Solvency risk
The credit risk is the risk that a debtor is unable to pay its debt . It is the essential element of credit risk , the other risk being the one the debtor refuses to pay.
Category: Credit
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Credit risk
The credit risk is the risk that a borrower fails to repay all or part of his credit to the deadlines set by the contract signed between him and the organization lender (usually a bank). The...
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Tightening credit
In economics , a credit crunch (or credit crunch or even a credit crunch – the term credit crunch is also used) is a limitation or a scarcity of credit to businesses and individuals, or a sharp rise in the costs of credit. to the debt(higher borrowing...
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Annuities constituted
The annuities , also called constitutions , Constitut or annuities with money , were developed in France in the xvii th and xviii th centuries to overcome the lack of bank credit system, the Catholic religion prohibited to earn interest. Until the end of...
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repurchase
A repurchase sale is, according to the French civil code , a sale with faculty, but not obligation , of redemption by the seller. This faculty is valid for a period of six months to five years.
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Credit enhancement
The credit enhancement is a financial transaction in which a financial institution specialized called monoline (or monoline 1 in English) provides guarantees to an organization (public or private) that issues bonds on financial markets .
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Credit consolidation
The loan consolidation is a financial technique of consolidating various debts, various loans , consolidating them into one credit rescheduled over a longer duration. The borrower must no longer assume a single monthly payment , the monthly repayment charge is reduced.
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rediscount
Definition The rediscount is an operation that is for a central bank to buy an effect before maturity to a bank or a financial institution which has already discounted, making the proceeds...
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Credit redemption
The repurchase of credit , also known as reorganization, consolidation or credit consolidation is a financial solution that attempts to address a situation of indebtedness excessive. The purpose of the redemption of credits is to reduce the...
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Principal (finance)
The principal is the amount borrowed and not yet repaid. In the case of a conventional loan , it is on this principal amount that the interest is calculated .
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Pawnshop
A pawnshop is a loan made after the deposit of property as collateral; the loan amount is proportional to the value of the property deposited.
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Structured loan
A structured loan is a long-term loan structured around a short-term loan, in such a way as to defer principal repayments (and sometimes interest) on the long-term loan, until the short-term loan is repaid 1 .
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Personal loan
The personal loan is in France a category of consumer credit whose characteristic is that it does not finance a specific purchase (unallocated loan). Like any consumer credit, it is subscribed by an individual...
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Rental loan for social purposes
The rental loan for social use (Plus) is a French loan intended for social housing organizations ( HLM ) and semi-public companies (SEM) .
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Student loan
A student loan is a bank loan intended to finance higher education . This type of loan is generally characterized by interest rates low and a deferred repayment of the amount borrowed, usually starting at the entrance to the borrower in...
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Loans between individuals
The lending between individuals , also community credit (in English peer-to-peer lending , P2P lending or sometimes social lending ) is a financial activity which consists of lending money between individuals, in the form of remittance with commitment reimbursement.
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Assigned Loan
An assigned loan, or assigned credit, is a category of consumer credit granted in France by a bank or financial institutionintended to finance the purchase of a good or service (usually domestic or professional equipment). The main characteristic of the...
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Ready to install
The installment loan is a credit granted by banks or credit institutions. A sum of money is made available to the client.
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Loan with adjustable rate
An adjustable-rate loan is a loan indexed to a rate of interest which, instead of a fixed rate may vary during the life of the loan, depending on the conditions of the financial markets .
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Ready for the big adventure
A loan for big adventure , also called nautika or simply maritime loan (in ancient Greek ἀργὐριον ναυτικός / argurion nautikos or δανείσματα ναυτικά / daneismata nautika ) is, in ancient Greece in the classical era , a loan granted at a very high rate by an individual to finance...
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Ready
A loan is a legal act that consists of passing on, without requiring payment , the possession and use of a property while retaining ownership . The gracefulness, which distinguishes the loan, the rental and the sale , is always presumed. Where the term of the loan is...
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Refund plan
In basic financial mathematics , a repayment plan determines, on a constant monthly loan , the relationship between the capital borrowed, the interest rate , the amount of the repayments and the duration of the loan.
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Opening of credit
A credit opening corresponds to a maximum amount of borrowing, granted by a bank for a given period (for example one year, possibly renewable). It can be used by the beneficiary who can put his current account in...
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Oikocredit
Oikocredit is a microcredit financial institution worldwide.
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Monthly
A monthly payment is the amount of money paid each month by the borrower to the bank on a loan from a bank. Conversely, when investing in the bank, the monthly payment is...
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Law on the information and protection of borrowers in the real estate field
The law n ° 79-596 of 13 July 1979 relating to information and protection of borrowers in real estate , said law Scrivener II named Secretary of State for Consumer Affairs Christiane Scrivener , is a French...
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Federal law on consumer credit
The ” Federal Law on Consumer Credit ” ‘(abbreviation’ ” LLC ”) is a federal law applying in Switzerland with the objective of increasing the borrower’s protection against over- indebtedness . The 1 st January 2003 the revised law took effect. The...
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Law on the Information and Protection of Consumers in the Field of Certain Credit Operations
The Law No. 78-22 of 10 January 1978 relating to information and the protection of consumers in the area of certain credit transactions , called Scrivener Act I named Secretary of State for Consumer...
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Credit line
A line of credit (also called a Credit Facility or Tranche ) is an authorization (right of draw) given by a bank to a borrower to raise funds up to a fixed ceiling and for a given period. It...
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Compound interest
A capital is placed at compound interest when the interests of each period are capitalized to increase it gradually and bear interests in turn. It is a notion antagonistic to that of simple interests , where the interests are...
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Interest (finance)
In finance , interest is the payment of a loan , usually in the form of a periodic payment from the borrower to the lender. For the lender, this is the price of his temporary waiver...
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Hardcore Money
Hardcore Money or Pawn of Hell in Quebec ( Hardcore Pawn in its original version) is aUStelevision show broadcastontruTVin theUnited States, in Quebec onZtéléand in Europe on Discovery Channel 1 , 2 , 3 .
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Loan guarantee
A loan guarantee is a promise made by a guarantor to assume a debt owed by a borrower if he can not repay it, and is therefore in default of payment .
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FIDES Bank Namibia
FIDES Bank Namibia is a commercial bank of Namibia .
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Eurodollars
The Eurodollar are financial instruments emerged in the 1950s but are really developed in the 1970s after the first shock oil and the appearance of a flow of petrodollars . They consisted of deposits in the City of London’s banks , but...
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Euro PP
A Euro PP is “a medium or long-term financing transaction between a listed or unlisted company and a limited number of institutional investors, based on ad hoc documentation negotiated between the borrower...
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Credit institution
A credit institution is a financial institution that conducts banking operations as a regular occupation.
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Discount
The discount is a financial technique to get the cash .
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Eranos (Ancient Greece)
In ancient Greece , an eranos (in ancient Greek ἔρανος ) is a type of meal where everyone contributes; the term also refers to an interest-free loan from friends or relatives.
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Equifax
Equifax Inc. or Equifax is originally a credit rating company, that is, the creditworthiness and repayment capacity of a person or company seeking access to consumer credit or insurance .
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Borrowing (finance)
A loan is a long-term financial debt , while medium and short-term debt is usually called ” credit “. A loan is a debt resulting from the granting of repayable term loans (funds paid under contractual provisions with the...
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Deadline (finance)
The due date indicates the date on which an operation must be performed. This operation may be the partial or total repayment of a debt , the exercise of an option , the payment of rent, the...
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Perpetual debts
The perpetual debts are a form of credit that has been used primarily as a sovereign debt instrument in the late Middle Ages .
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Housekeeping (finance)
In the field of finance , the dwelling (a word invented in France during the construction of the first railways) is the cost associated with the possession of the currency 1 , 2 . For Gold , the dwelling corresponds to...
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Debt coverage rate
The Debt Service Coverage Ratio (DSCR) or debt service coverage ratio ( DCT ) expresses the ratio between EBITDA and debt service (interest, principal and, where applicable, credit annuities -lease). It is a tool commonly used to assess the ability of...
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Export credit
The export credit is the application of credit insurance for export projects. It is sometimes supported by national insurance companies such as Coface in France, Euler in Germany, ECGD in the United Kingdom or ExIm Bank in the United States.
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Leasing
The lease (or lease-purchase agreement , English 1 ) is a specific form of financing of investments .
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Syndicated loan
A syndicated loan is a loan provided by an association of a number of financial institutions that are grouped together in a banking syndicate to finance a given project or company.
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Revolving credit
The revolving credit (formerly credit standing or English revolving credit ) is a form of credit of putting at disposal of the borrower a reusable amount of money as and extent of its reimbursement to fund non predefined purchases. It...
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Toulouse municipal credit
The Crédit Municipal de Toulouse is a communal public credit and welfare institution located in the heart of Toulouse since 1867. Formerly a pawnshop , called “my aunt” note 1 , it is one of the oldest banking...
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Trade receivables credit
Trade receivable credit or CMCC is a mobilization of credits other than discount:
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Lombard credit
The Lombard loan or lending against collateral is a loan at a fixed rate asset-backed investments pledged as collateral . Lombard loans are granted against the pledge of highly liquid assets (shares, bonds or certain life insurance contracts with cash surrender...
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Credit linked note
The debt security linked 1 also called credit linked note ( CLN ) is a credit derivative funded that action in its mounting to a credit default swap ( CDS ) to transfer credit risk, but through a special purpose vehicle (Anglo-Saxon term: special purpose vehicle or SPV ). This...
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Mortgage credit
A mortgage loan is a credit that is secured by a mortgage .
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Supplier credit
The supplier credit is a credit granted to the buyer by the supplier as part of his commercial contract. Depending on the countries, industries and special agreements between a supplier and its customer,...
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Foreign currency credit
A credit in foreign currency is commonly known as a credit contracted by a borrower in a currency other than that of his place of residence.
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Credit default swap
The default swaps 1 or derivatives credit event 2 or permutations of the unpaid , better known under the name English abbreviation and credit default swaps (CDS) , are contracts of financial protection between buyers and sellers, which were developed from of 1994...
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Campaign credit
The campaign credit is a credit for businesses that operate seasonally. This credit makes it possible to face significant cash requirements for several months.
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Investment credit
An investment loan is usually in the form of an equipment loan, usually granted by a credit institution.
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Operating credit
The operating credits are loans short term (a few months maximum), usually granted by banks or suppliers to companies to finance so-called current assets as operating values (stocks, work in progress, customer receivables. ..) not covered by working capital .
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Buyer credit
The buyer credit is a credit granted to the buyer by the supplier ‘s bank to finance the export .
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Consumer credit
The consumer credit is the category of credit granted to individuals by banks or financial companies to finance the purchase of goods and services, such as the big spending in capital goods ( car , the equipment house ). For individuals this category of credit...
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Credit Information Center
German Credit Information Center Zentralstelle für Kreditinformation (ZEK) is a Swiss credit bureau centralizing and listing all credits relating to one person. The purpose of this body is to verify that a new credit...
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Refund capacity
The repayment capacity of a loan is the amount of cash that can be released by the borrower at maturity to repay it.
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Savings and provident fund
A savings and provident fund is a cooperative society constituting a credit institution .
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Sinking fund
A sinking fund is a financial and administrative entity of state whose mission is the spreading of the public debt .
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Brady Bonds
The Brady Bonds are financial instruments created in 1989 by Nicholas Brady , the former secretary of state to the US Treasury of Ronald Reagan , in the form of bonds denominated in US dollars, maturing in 30 years, in cooperation with...
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Brady Bonds
The Brady Bonds are financial instruments created in 1989 by Nicholas Brady , the former secretary of state to the US Treasury of Ronald Reagan , in the form of bonds denominated in US dollars, maturing in 30 years, in cooperation with...
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Interest or loan subsidy
The interest or loan bonus is a bonus granted by the regional council to the bank of a company in order to reduce its debts.
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Overdraft
The overdraft authorization , also known as overdraft, is a banking provision that makes it possible to alleviate short-term cash flow difficulties .
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Credit insurance
The credit insurance is a very special form of insurance that guarantees companies or banks against the borrower defaults occurred for reasons:
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French savings and retirement association
The French Savings and Retirement Association ( Afer ) is an association of savers. In 2015, it has 730,000 members representing 51 billion euros of managed savings . The Afer aims to allow its members to build savings in the best...
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Constant annuity
The constant annuity is a type of repayment of a loan by a constant amount, which is a function of the interest rate and the duration of the loan. Annuity is a linear function of the amount borrowed.
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Depreciation (finance)
Amortization of debt ( bank or bond ) is the part of capital which is paid every due periodic (eg monthly).
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Invoiced factoring
The reverse factoring (also known under the names of supply chain finance or reverse factoring ) is a solution of financing for companies providing goods or services. However, instead of being at the initiative of the supplier who wishes to finance his trade receivables (as...
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factoring
The factoring ( factoring in English) is a technique of financing and debt recovery implementation by companies and of obtaining advance funding and outsource the management to a credit institution specialized: the factor or, in English, factor 1 .
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Margin purchase
The buying on margin ( buying stock on margin English) or purchase leverage is the fact of buying securities with the help of a bank loan . The investor then speculates in order to repay the debt and its interest , and if possible to incur a capital...
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Types of bank credits
The types of bank loans are credits that include the various activities of lending money by commercial banks.
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Financial Security Assurance
The company Financial Security Assurance (FSA) is a credit enhancer (or monolines ) acquired March 4, 2000 to € 2.7 billion by the Franco-Belgian bank Dexia . It is one of the top eight US credit enhancers , the cause of the subprime...
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Mohatra Contract
The Mohatra contract is a commercial contract, used to lend money with interest without breaking the ban on usury . It consists for the lender to sell an item on credit, which he immediately resells the borrower...
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Credit
A loan is a provision of money in the form of a loan , granted by a creditor (lender) to a debtor (borrower). For the creditor , the transaction gives rise to a claim on the borrower, under which he can obtain repayment of funds...