loans under follow-up

06:45 Mar 13, 2014
This question was closed without grading. Reason: No acceptable answer

English to Serbian translations [PRO]
Bus/Financial - Accounting / financial statement
English term or phrase: loans under follow-up
Ovo je pojam iz finansijskog izveštaja banke. Reč je o kreditima koji su bili problematični, pa su naknadno napravljeni neki aranžmani kako bi se dužniku omogućilo da kredit vrati. Postoji više varijanti kako se to pitanje rešava (mogu biti restrukturisani, reprogramirani, može se otpisati deo duga, itd.). Da li postoji odgovarajući pojam na srpskom kojim bi se obuhvatila ova kategorija kredita?
Napominjem da finansijski izveštaj nije izvorno pisan na engleskom jeziku.
Miomira Brankovic
Serbia
Local time: 18:48


Summary of answers provided
3pozajmice u okviru dodatnog finansiranja
Daryo
1pozajmice pod praćenom produžnom otplatom
Dragomir Kovacevic


  

Answers


1 hr   confidence: Answerer confidence 3/5Answerer confidence 3/5
pozajmice u okviru dodatnog finansiranja


Explanation:
krediti / pozajmice za naknadno finansiranje / dodatno finansiranje

"The Higher Cost of Follow-Up Loans

Abstract
This paper uses unique data and looks at the interest margin for follow-up finance vis-à-vis first round-finance. Applying data for asset values, we examine the substitution between collateral and interest margins. Consistent with the theories of Bester (1985), Besanko and Thakor (1987) and the empirical evidence of Cressy (1996b), we find that a trade-off between collateral and interest margins exists. Our main result indicates that follow-up finance is more expensive for loans but not for overdrafts. We suggest that a relatively fixed asset base (Land and Buildings), as seen in higher security to loan values, raises the price and risk of successive financial increments. This explains the higher relative cost of follow-up finance to borrowers. .."

http://ideas.repec.org/a/kap/sbusec/v24y2005i1p29-38.html

Daryo
United Kingdom
Local time: 17:48
Specializes in field
Native speaker of: Native in SerbianSerbian, Native in FrenchFrench
Notes to answerer
Asker: Hvala na trudu, međutim ovo ne odgovara traženom kontekstu. Nije u pitanju dodatno finansiranje, već naknadno regulisanje ranije zaključenih ugovora o kreditu (npr. produženje roka otplate, otpis dela kamate ili duga) po kojima je dužnik već ispoljio neurednost.

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5 days   confidence: Answerer confidence 1/5Answerer confidence 1/5
pozajmice pod praćenom produžnom otplatom


Explanation:
pozajmice pod praćenom produžnom otplatom

Dragomir Kovacevic
Italy
Local time: 18:48
Works in field
Native speaker of: Native in SerbianSerbian, Native in CroatianCroatian
PRO pts in category: 12
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