Solution Library


Discuss The Difference Between Investment Grade And Speculative Grade In Corporate Debt

Question Explain the difference between “investment grade” and “speculative grade” corporate debt. What information do rating agencies use to determine their ratings and distinguish between the two types of debt?   Summary The question belongs to Finance and it discu ... Read More

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Differences Expected In Downgrade From Investments

Question What difference would you expect a downgrade from investment to speculative grade to have on (a) the price; and (b) the credit spread of a corporate bond. Would you expect the price and spread changes to typically occur before or after the downgrading?   Summary The question belong ... Read More

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Discuss About Historical Transition Matrix For Corporate Bond Ratings

Question Please explain what information is contained in an historical transition matrix for corporate bond ratings. How might this information be used by a bond portfolio manager to help assess credit risk, over one year and three year horizons?   Summary The question belongs to Finance an ... Read More

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Loss Given Default And Impact On Percentage Loss For Lender

Question Explain the term "loss given default" and its impact on the percentage loss that a lender incurs in the event of default.   Summary The question belongs to Finance and it discusses about “loss given default” and its impact on the percentage loss that lender incurs in th ... Read More

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Calculate Loss On Mortgage Loan To The Lender

Question A mortgage lender offers a loan of £150,000 on a house worth £160,000. House prices fall by 10% and the borrower then defaults on the loan. If the legal and other costs of recovering the property are £10,000; what is the loss given this default?   Summary The ques ... Read More

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Why Is Loss Given Default Higher In Recession

Question In a severe housing market recession, why would loss given default on mortgage lending be higher than loss given default in normal years?   Summary The question belongs to Finance and it discusses about loss given default on mortgage lending be higher than loss given default in nor ... Read More

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Role Of Private Credit Reference Agencies In Personal Household Credit

Question Explain, briefly, the job undertaken by private sector credit reference agencies, such as Experian, in the market for personal household credit in the UK and US.   Summary The question belongs to Finance and it discusses about the job undertaken by private sector credit references ... Read More

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How Can Credit Scoring Model Used By Lenders For Decision Making

Question What is a “credit scoring” model and how can it be used by lenders in making decisions about personal and small corporate lending?   Summary The question belongs to Finance and it discusses about credit scoring model and its use by lenders in decision making about perso ... Read More

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What Are The Accounting Ratios Used By Commercial Banks And Credit Rating Agencies

Question Suggest four different accounting ratios that might be used by commercial banks and credit rating agencies to assess the default risk of larger companies. What other information, other than accounting statements, can be used to assess corporate credit risk?   Summary The question b ... Read More

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Compare The Work Of Two Credit Rating Agencies And Credit Referencing Bureaus

Question Compare the work of two rating agencies and of credit referencing bureaus in summarising information about the ability of a borrower to repay a loan. Is their work essentially the same or fundamentally different?   Summary The question belongs to Finance and it discusses about the ... Read More

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Discuss About The Role Of Collaterals In Reducing Loss Given Default For Banks

Question Describe, with examples, how collateral is used to reduce loss given default and hence the risks to a bank of providing a loan. What impact do falling values of collateral such as land and housing have on the volume of bank lending?   Summary The question belongs to Finance and it ... Read More

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Discuss About The Problems Associated With Increase In Securitization

Question Discuss the problems associated with the increase in securitization activities in the run up to the global financial crisis.   Summary The question belongs to Finance and it discusses about the problems associated with increase in securitization activities in the run up to global f ... Read More

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