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NBER WORKING PAPER SERIES RISKS OF AN ECONOMY
NBER WORKING PAPER SERIES RISKS OF AN ECONOMY

... So far, we have discussed how to calculate the value of debt, guarantees, and equity using the CCA approach. We now turn to how to measure the risk exposures. The values of the contingent claims on the CCA balance sheets contain embedded implicit options which can be used to obtain certain risk meas ...
Credit: The Promise to Pay
Credit: The Promise to Pay

...  Indicates how much credit costs on a yearly basis.  Grace Period  Time period during which no finance charges will be added to an account.  Cash Advance  Borrow money on a credit card. ...
Government Deficits and Debt - The Office of the Auditor General in
Government Deficits and Debt - The Office of the Auditor General in

...  A series of PowerPoint presentations were developed, including: the Province of Manitoba’s fiscal position, a comparison of deficits and debt among the provinces, and national and international research and developments on government debt.  Two roundtables were organized and held in Brandon and W ...
Institutions, Public Debt and Foreign Finance
Institutions, Public Debt and Foreign Finance

... Within this basic setup, we then ask: how does the quality of financial institutions shape the government’s incentive to default? We find that better financial institutions increase the government’s cost of default by boosting banks’ leverage. Higher leverage indeed allows banks to a) purchase more ...
Financial Ratios
Financial Ratios

... Calculating ratios is pointless unless you know how to use them The most basic rule is: a single ratio provides very little information and may be misleading With that in mind, there are at least 4 uses of ratios: ...
par value - McGraw Hill Higher Education
par value - McGraw Hill Higher Education

... • Security is a form of attachment to property. – It provides that the property can be sold in event of default to satisfy the debt for which the security is given. – A mortgage is used for security in tangible property. For example, debt can be secured by mortgages on plant and equipment. – Debentu ...
accounts receivable
accounts receivable

... the specific account is written off. ...
Determinants of Firm`s Financial Leverage: A Critical
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... underlying factors determining the firm’s financial leverage, there is no consensus and there is no universal factor determining financial leverage. The paper sets out two challenges for future research: one, how to integrate different factors determining firm’s financial leverage into a common fram ...
Debt Valuation, Renegotiation, and Optimal Dividend Policy
Debt Valuation, Renegotiation, and Optimal Dividend Policy

... Sundaresan (1996) and Mella-Barral and Perraudin (1997)]. The role of cash flow-based covenants in such a context has been examined by Anderson and Sundaresan (1996), among others. The presence of such covenants may induce the borrower to alter its dividend policies as well as to issue equity to finan ...
"International Reserves and Rollover Risk"
"International Reserves and Rollover Risk"

... default model are consistent with several features of emerging markets, including countercyclical spreads and procyclical borrowing. These papers, however, do not allow indebted governments to accumulate assets. We allow governments to simultaneously accumulate assets and liabilities and show that t ...
Fiscal Austerity during Debt Crises
Fiscal Austerity during Debt Crises

... The recent European debt crisis has prompted an active debate in financial and policy circles on fiscal austerity. One side of the debate considers fiscal austerity plans to be beneficial because by increasing taxes, the government can avoid a default by more easily servicing and reducing the debt.1 ...
Banking Relationships and REIT Capital Structure - DataPro
Banking Relationships and REIT Capital Structure - DataPro

... capital market frictions that would force firms to have lower leverage, REITs with banking relationships should have better access to the debt markets in general (Johnson 1998).7 On the other hand, Brown and Marble (2007) show that the asset substitution problem decreases with the proportion of the ...
A New Structure for US Federal Debt
A New Structure for US Federal Debt

... overnight  debt.  It  is  essentially  overnight  debt  that  is  rolled  over  by  default  unless  the  investor   does  something  about  it.    Fixed-­‐coupon  debt  trades  the  certainty  of  coupons  for  short-­‐term  price   fluc ...
NBER WORKING PAPER SERIES PUBLIC DEBT MANAGEMENT IN BRAZIL Francesco Giavazzi Alessandro Missale
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... This paper derives the optimal composition of the Brazilian public debt by looking at the relative impact of the risk and cost of alternative debt instruments on the probability of missing the stabilization target. This allows to price risk against the expected cost of debt service and thus to find ...
Firm Value
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... MM’s propositions suggest that debt policy should not matter. However, in reality, debt matters a lot, and financial managers spend a great deal of their time worrying about the optimal debt to equity ratio for their firm. Which leads to a critical question: What is wrong with MM’s theory? copyright ...
12. Misunderstanding the Great Depression and the Great
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... the key fallacy is the proposition that debt has no macroeconomic effects. From Bernanke’s neoclassical perspective, debt merely involves the transfer of spending power from the saver to the borrower, while deflation merely increases the amount transferred, in debt servicing and repayment, from the ...
Fiscal Vulnerabilities and Risks from Local Government
Fiscal Vulnerabilities and Risks from Local Government

... On this basis, IMF staff estimate the augmented government debt has risen to around 45 percent of GDP in 2012, having increased sharply through the global crisis. Nonetheless, that level still falls within sustainability thresholds. For 2012, staff estimate that the augmented net borrowing was aroun ...
Inflation, default and sovereign debt
Inflation, default and sovereign debt

... both in terms of the residence of the investor base and the denomination of the debt. In this section we summarize these empirical patterns of government debt portfolio composition that will be incorporated in the theoretical model to study their implications. The two features of a government's debt ...
Debt Maturity and the Dynamics of Leverage
Debt Maturity and the Dynamics of Leverage

... some or all of the maturing debt leads to a particularly significant reduction in the value of this option when it is at or in the money, i.e. if the value of the firms assets is already close to or less than the face value of debt. In this case the equityholders are willing to roll over maturing de ...
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1.00

... Hocking Associates Amy Lowell’s Dress Shop R. Frost, Inc. ...
Domestic Government Debt Structure, Risk Characteristics
Domestic Government Debt Structure, Risk Characteristics

... Since the early 1980s, the ratio of domestic government debt to gross domestic product (GDP) in Nigeria has risen sharply. By 1964, the level of domestic debt was 5.5 percent of GDP. A decade later (by 1974), this ratio went up slightly to 6.9 percent of GDP. But by 1984, the domestic debt /GDP rati ...
Why is fiscal policy often procyclical?"
Why is fiscal policy often procyclical?"

... where it is understood that he can get rents only while in o¢ ce (if the incumbent is not reappointed, then future political rents will be enjoyed by another politician in o¢ ce). The utility function v( ) is smooth, increasing and strictly concave. The political environment is adapted from Barro (1 ...
The cost of capital of levered equity is equal to the cost of capital of
The cost of capital of levered equity is equal to the cost of capital of

... flow using the weighted average cost of capital.  The value of the interest tax shield can then be found by comparing the value of the levered firm, VL, to the unlevered value, VU, of the free cash flow discounted at the firm’s unlevered cost of capital, the pretax WACC.  VL = VU + PV(Interest Tax ...
Budget 2017-18 - Budget Paper No. 1
Budget 2017-18 - Budget Paper No. 1

... considerations. Operational considerations often mean that the annual issuance program may not be equivalent to the financing task for a particular year. For example, the AOFM may decide there is merit in partially pre-funding the following year's financing task. Alternatively, the AOFM might choose ...
Debt Structure and Financial Flexibility
Debt Structure and Financial Flexibility

... related, theoretically, to flexibility: (1) the total level of debt, (2) the mix of short- vs longmaturity debt, (3) the mix of secured vs unsecured debt, and (4) the mix of senior and junior/subordinated debt. The literature generally agrees that a higher total level of debt can reduce future finan ...
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Debt settlement

Debt settlement, also known as debt arbitration, debt negotiation or credit settlement, is an approach to debt reduction in which the debtor and creditor agree on a reduced balance that will be regarded as payment in full.In the U.K. you can appoint an Arbiter or legal entity to negotiate with the creditors. Creditors often accept reduced balances in a final payment and this is called full and final settlement but with debt settlement the reduced amount can be spread over an agreed term.Debt settlement is often confused with debt consolidation or debt management. In debt consolidation and debt management, the consumer makes monthly payments to the debt consolidator, who takes a fee and passes the rest on to the creditors; this way, creditors continue to receive payments each month. In debt settlement, the consumer makes monthly payments, out of which the debt settlement company takes its fees for the legal work or negotiation and payments are paid to the creditor. Unlike U.K. debt management there are no monthly management fees, the debt settlement company may get the creditor to accept a settlement of 40 pence in the pound, but the client pays 50 pence in the pound. The debt settlement company benefit from the extra 10 pence in this case.In the U.K. creditors such as banks, credit card, loan companies and other creditors are already writing off huge amounts of debt. Most creditors are open to negotiations and are willing to accept reductions of 50% or more. Debt settlement allows the public to spread payments out over a set term - instead of having to pay a lump sum in one go which is the case with Full and Final Settlement.Many people are taking advantage of Debt Settlement instead of conventional Debt Management because they have not seen debt management offer the benefits sold to them.U.K. debt settlement is not to be confused with full and final settlement where debt management companies have been known to hold on to client funds in which case the creditors get nothing until they decide to settle. Furthermore, the debt management company usually instructs the consumer not to make any payments to creditors. The intended effect is to scare creditors into settling the debt for less than the full amount. Typically, however, creditors simply begin collection procedures, which can include filing suit against the consumer in court. As long as consumers continue to make minimum monthly payments, creditors will not negotiate a reduced balance. However, when payments stop, balances continue to grow because of late fees and ongoing interest. This practice of holding client funds is regarded as unethical in the U.S. and U.K.U.S. debt settlement differs slightly. There are several indicators that few consumers actually have their debt eliminated by full and final settlement. A survey of U.S. debt settlement companies found that 34.4% of enrollees had 75 percent or more of their debt settled within three years. Data released by the Colorado Attorney General showed that only 11.35 percent of consumers who had enrolled more than three years earlier had all of their debt settled. And when asked to show that most of their customers are better off after debt settlement, industry leaders said that would be an ""unrealistic measure."" Consumers can arrange their own settlements by using advice found on web sites, hire a lawyer to act for them, or use debt settlement companies. In a New York Times article Cyndi Geerdes, an associate professor at the University of Illinois law school, states ""Done correctly, (debt settlement) can absolutely help people"". However, stopping payments to creditors as part of a debt settlement plan can reduce a consumer's credit score from 65 to 125 points, with higher impacts on those who were current on their payments prior to enrolling in the program. And missed payments can remain on a consumer's credit report for seven years even after a debt is settled.Some settlement companies may charge a large fee up front, which ignores a rule from the Federal Trade Commission.Or they take a monthly fee from customer bank accounts for their service, possibly reducing the incentive to settle with creditors quickly. One expert advises consumers to look for companies that charge only after a settlement is made, and charge about 20 percent of the amount by which the outstanding balance is reduced. Other experts say debt settlement is a flawed model altogether and should be avoided.
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