南澳大学论文代写：统筹与定价机制运作
南澳大学论文代写：统筹与定价机制运作
该银行集中在个人信用信息的第一信用信息，但如果个人信用信息是不足够的，然后进行集中和定价机制，找到合适的信用信息。汇集和定价机制的工作原理的基础上，为每一个人同样的标准并进行总结归纳，最终的决定（洛克伦，里特和吕德奎斯特，1994）。这种方法把所有的交易都统一了，把所有的交易都放在一个基金里。例如，贷款，银行可以考虑的配偶，子女，父母，和在游泳池的近亲。整体交易计算的信用风险估计。总资产都依赖于从各种来源或从所有个体在一个单池单大收入（Goergen，胡尔希德和mudambi，2007）。本案内的内部转让价格是以总余额为基础计算的。最后的贷款价格，然后决定的基础上，在一个单一的游泳池成员的信用风险评分。贷款偿还方式然后一只与池的情况下是没有偿还贷款相关的任何成员（胡尔希德和mudambi，2002）。
总体而言，集中和定价机制是优先考虑增加的余额，然后在最终发行贷款金额增加到借款人。大多数银行遵循这个规则，这种方法是非常简单的借款人提供的贷款，有效和直接的（shirmohammadi，gorenstin和佩雷拉，1996）。
南澳大学论文代写：统筹与定价机制运作
The bank focuses on first credit information for individual while issuing loan but in case if the individual credit information is not sufficient then goes for pooling and pricing mechanism to find the suitable credit information. The pooling and pricing mechanism works based on the same criterion for each individual and then summed up to the final decisions (Loughran, Ritter & Rydqvist, 1994). This method treats all transactions uniformly, and puts all transactions in one fund. For example, for a loan, the bank may consider the spouse, children, parents, and close relatives in the pool. The overall transactions are calculated for the credit risk estimation. The total assets are dependent on the single large income from all sources or from all individuals in one single pool (Goergen, Khurshed & Mudambi, 2007). The internal transfer price in this case is calculated based on the total outstanding balance form all members. The final loan price is then decided based on the total credit risk score for the members in a single pool. The loan is then repaid in one way only by any member associated with the pool in case one is failed to repay the loan (Khurshed & Mudambi, 2002).
Overall, the pooling and pricing mechanism is preferred for increase the outstanding balance and then the increase in the final issuing loan amount to the borrower. Most of the banks follow this rule in providing the loan to the borrowers as this method is very simple, effective and straight forward (Shirmohammadi, Gorenstin & Pereira, 1996).
