Search for dissertations about: "Loan officers"

Found 5 swedish dissertations containing the words Loan officers.

2. 1. How Do Bank Officers Make Lending Decisions? An Exploration of Thinking Styles, Cognitive Bias and Lending Technologies

   Author : Carl-Christian Trönnberg; Göteborgs universitet; []
   Keywords : SAMHÄLLSVETENSKAP; SOCIAL SCIENCES; lending decision making; thinking styles; cognitive bias; lending technology; sunk-cost effect;

   Abstract : The overall aim of this thesis was to examine how loan officers’ think and act when making assessments of loan proposals from companies. The importance of valid loan assessments can be understood through the substantial economic crises that the global economy has suffered as well as the severe problems invalid lending decisions brings for both banks and clients. READ MORE

4. 2. Who receives bank loans? A study of lending officers' assessments of loans to growing small and medium-sized enterprises

   Author : Volker Bruns; Johan Wiklund; Hans Landström; Dean Shepherd; Jönköping University; []
   Keywords : SAMHÄLLSVETENSKAP; SOCIAL SCIENCES;

   Abstract : This thesis explores factors that influence lending officers' assessments of credit requests from growing small and medium-sized enterprises (SMEs). Building on asymmetric information theory, factors identified in previous research are grouped into the theoretical categories of risk-assessment, risk-alignment, and risk-shifting. READ MORE

5. 3. Expertise in credit granting : studies on judgment and decision-making behavior

   Author : Patric Andersson; Handelshögskolan i Stockholm; []
   Keywords : SAMHÄLLSVETENSKAP; SOCIAL SCIENCES;

   Abstract : How do experienced lenders make decisions? This dissertation addresses this question by investigating judgment and decision-making behavior of loan officers in banks as well as credit managers in supplying companies. The dissertation applies an integrated economic-psychological perspective and consists of seven parts: a comprehensive literature review and six separate empirical papers. READ MORE

6. 4. Essays on behavioral determinants of earnings quality

   Author : Savvas Papadopoulos; Göteborgs universitet; []
   Keywords : SAMHÄLLSVETENSKAP; SOCIAL SCIENCES; Företagsledare; Redovisning; Accounting; Executives;

   Abstract : The neoclassical economic view of the firm - upon which most of the empirical financial accounting research is based - assumes that managers are rational wealth optimizers. Therefore, managers are considered homogeneous and selfless inputs into the production process, and this implies that different managers are perfect substitutes for one another. READ MORE

7. 5. Prospects for the Development of a One-Stop-Shop Business Model for Energy-Efficiency Renovations of Detached Houses in Sweden

   Author : Georgios Pardalis; Krushna Mahapatra; Brijesh Mainali; Giangiacomo Bravo; Henk Visscher; Linnéuniversitetet; []
   Keywords : TEKNIK OCH TEKNOLOGIER; ENGINEERING AND TECHNOLOGY; TEKNIK OCH TEKNOLOGIER; ENGINEERING AND TECHNOLOGY; Detached houses; Energy-efficiency renovations; Homeowners; Onestop-shop; Policy instruments; Renovation decisions; Supply-side actors; Transaction costs; Småhus; Energirenoveringar; Husägare; One-stop-shop; Policyinstrument; Renoveringsbeslut; Aktörer på utbudssidan; Transaktionskostnader; Byggteknik; Civil engineering; Sustainable Built Environment; Hållbar byggd miljö;

   Abstract : The building sector is the biggest energy user in the European Union (EU) and therefore, has an important role to play in meeting the energy and climate goals ofEU. In Sweden, more than 80% of the two million detached houses are more than 35 years of age. Energy efficiency renovation of those old houses can reduce primaryenergy use by 65% to 90%. READ MORE