Search for dissertations about: "Loan officers"
Found 4 swedish dissertations containing the words Loan officers.
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1. How Do Bank Officers Make Lending Decisions? An Exploration of Thinking Styles, Cognitive Bias and Lending Technologies
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
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2. Who receives bank loans? A study of lending officers' assessments of loans to growing small and medium-sized enterprises
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
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3. Essays on behavioral determinants of earnings quality
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
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4. Prospects for the Development of a One-Stop-Shop Business Model for Energy-Efficiency Renovations of Detached Houses in Sweden
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