Loan Issuing to Small Enterprises and the Banks’ Cashflow: A Mathematical Model

Kseniya L. Luchenko ()
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Kseniya L. Luchenko: Sergey Korolyev Samara State Aerospace University (National Research University), Samara, Russia

Finansovyj žhurnal — Financial Journal, 2011, issue 2, 105-116

Abstract: The article author examines the sources of financing used by the small enterprises, their performance indicators, the methods used to decrease the credit risks and the various types of costs associated with the maintenance of the bank deposit accounts. The author then develops a mathematical model of the banks’ cashflow observed when the loans to the small enterprises are issued. The model shows the banks’ goals (i. e. to get revenue from loans (current account expenditure and other banks’ expenses excluded)), loan amount restrictions and restrictions in the banks’ share of revenue gained from the borrower’s money.

Keywords: credit risk; interest rate; discounts; statutory reserve requirements; optimization model (search for similar items in EconPapers)
JEL-codes: D24 G21 (search for similar items in EconPapers)
Date: 2011
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Persistent link: https://EconPapers.repec.org/RePEc:fru:finjrn:110210:p:105-116

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