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5621 Uppsatser om Credit Risk Modelling - Sida 6 av 375

Kreditgivning till lantbruksföretag : en jämförelse mellan Sverige och Danmark

In relation with structure transformation in farm companies with bigger animal population and pressure at the milk price, the farmers in both countries have to invest more money in the company to endure. This had conduct what more owners had seen grown requirements to invest in bigger population barns. The investment is necessary to retain stability in the economy for the companies, at that time when the profitability for small production barns decrease. This essay carries out through a case, there the activities main part are milk production. The present operation consists of 82 milk cows in long stall with a yield on 10 500 kg ECM. The idea is that the company should increase the activity to 180 cows.

Optimering av fackverksmodellering : Ett makro för Tekla Structures

This project is the result of a cooperation between HalmstadUniversity and EABAB. The aim of the project was to create a macro that would help EABAB automate the process of designing steel trusses. When run in Microsoft Excel, the macro imports and processes coordinates from a calculator program. The data is then imported into the Building Information Modelling software Tekla Structures, which creates a 3D structural model of the steel truss.The macro saves much time in the project planning process and also helps minimize the risk of design flaws caused by human error. .

Computer Modelling of the Influence of Surface Topography on Water Repellency and a Study on Hydrophobic Paper Surfaces with Partly Controlled Roughness

A computer model based on minimization of the free energy, capable to predict contact angles and spreading transitions between Wenzel and Cassie mode for drops placed on surfaces with different topography were implemented in matlab. Simulations were compared with experiments documented in the literature. These showed that reported transitions between Cassie and Wenzel mode can be explained by minimization of the free energy. In this report, a study on the possibility of constructing water repellent paper surfaces with a combination of treatment with octadecyltrichlorosilane and topography changes, is included..

ITS under byggtid - utvärdering med dynameq : Fallstudie: Intunnling av E4/E20 Tomteboda - Haga södra

Essingeleden in Stockholm is the most heavily congested road segment in Scandinavia and it is ofgreat importance for as well traffic within the city as for transit traffic. The capacity of Essingeledenand Norra Länken is not enough to accommodate all traffic. At times it is not moving at all, whichresults in long queues and an augmented risk of accidents. Consequently measures for increasing thecapacity on E4/E20, which will reduce congestion and the risk of accidents, are implemented byTrafikverket. In fall 2012 one lane of three at Pampas will be closed and so will the exit fromEssingeleden to Norra Stationsgatan, called Parkeringsbron.

Revisionens betydelse vid kreditprövning : Påverkan ur kreditgivares perspektiv.

Bachelor thesis in business administration with emphasis in accounting and auditing. Spring term 2011, Mälardalens Högskola.Authors:Jim Hansson, Filip Sahl and Pererik Sewerin.Advisor:Lennart Bogg.Key words:Abolition of mandatory auditing, optional audit, auditor, audit.Title:The role of audit in a credit review - impact from the creditor's perspectiveBackground:As of November 1st2010, auditing became optional for micro companies in Sweden. This leads to an opportunity for about 70 % of the joint-stock companies to choose whether or not to keep their auditors. Creditors are affected by this as they may receive a less trustworthy base to make a good credit review if many companies choose to proceed their accountings without the control of an auditor. Creditors have the option to require that companies are to be reviewed by auditors, while authorized accounting consultants may be a possible substitute as a quality control for the accountings.Purpose:The purpose of this thesis is to examine what impact optional audit has had in credit processes so far and look into alternative forms of reviews for businesses.Problem definition:? Does auditing simplify for the creditors in a credit review? ? Is there some kind of accounting that could be a substitute for the audit?Method:The study is qualitative in character through six interviews.

Riskbedömning och riskhantering i samband med vägbyggen

The aim with this thesis is to investigate the risk management at the department Road construction, The National Road Administration Region Mälardalen. The aim is also to study how the risk management could be improved to better support the project leaders. Included in theses aims is to examine potential problems with the current risk management and to suggest changes. It is of utter importance to define the concept of risk, to study how risk can be measured and in which ways risk can be analyzed. In doing so, a literary study has be done and fourteen respondents has been interviewed.Risk is to be seen more as a concept than a quantity.

Slopad revisionsplikt

November 1, 2010 the audit requirement in Sweden for small and medium enterprises was abolished, after many years of discussion. This essay aims to examine the effects of the abolishment of the audit requirement on credit. The intention is to draw conclusions about how the possible negative effects of the abolishment of the audit requirement could be prevented.The study has been made using a qualitative method to get a clearer and broader explanation that leads to deeper understanding. It includes an interview with creditors from one of the largest banks whose position represents a large group of lenders. In addition to the lender, two auditors with years of experience have been interviewed.Analysis of collected data has shown that there are both advantages and disadvantages of abolished mandatory auditing.

GIS-modellering av habitat för vitryggig hackspett (Dendrocopos leucotos) som hjälpmedel i naturvårdsplanering på landskapsnivå :

The white-backed woodpecker is a forest bird being critically endangered in Sweden. The species is dependent on older forests rich in deciduous trees and dead wood. The main problem for the survival of this species is present shortage of habitat. Conservation work on this umbrella species is at present focused on finding remaining or emerging habitat networks. Large areas are scrutinized in search for suitable habitats to be protected or managed for the species sake.

Kvarnkretssimulering för test av styrsystem

This thesis has been carried out in autumn 2009 at Uppsala University for Boliden Mineral AB. Physical modelling has been used to model a comminution circuit. The model has then been linked to a PLC.When a concentrator is about to become operational Boliden Mineral AB have been looking for a way to test the PLC. The purpose of this report has therefore been to develop models for the subprocess in a concentrator and link these models to the PLC. The subprocess was a comminution circuit in Aitik36.

Plastellina - bevarande av skulpturskisser

Uppsats för avläggande av filosofie kandidatexamen iKulturvård, Konservatorprogrammet15 hpInstitutionen för kulturvårdGöteborgs universitet2012:19.

Kredithantering ? Rådgivares syn på riskhantering vid bostadslån

En bostad kan ses som en investering och finansieras oftast med ett bostadsslån från en bank. Finansinspektionen som fungerar som ett tillsynsorgan till bankverksamheterna har agerat mot en osund kredithantering med hjälp av införandet av ett bolånetak. Tidigare finansiella kriser har visat på svårigheterna att i förväg föreställa sig effekterna av framtida osäkerheter. Vid ett bostadslån kommer kreditgivaren och kredittagaren behöva resonera kring framtida osäkerhet som medföljer skuldsättningen. En ökad skuldsättning i förhållande till disponibel inkomst för varje enskild låntagare skulle innebära en ökad risk för bankens stabilitet.

Modellbygge och regulatordesign av tröghetsmomentsimulator tillreferenssystem för stridsvagn 122

This master thesis holds a modelling in Simulink for a physical model of a main battletank tower, a three-phase induction motor and some mechanics. The aim of this work is to connect an earlier project at AerotechTelub, named StabSim to another called Eldris. In StabSim it has been made a Simulink model of the align and stabilisation system in a main battle tank 122 and in Eldris it has been build a physical model of a main battle tank tower. In this thesis the models that differs between Eldris and a real tower is changed in StabSim, and the parts that only exist in Eldris is added, for example a torque generating system which purpose is to make the model to behave like a real tower in control application, although it only has half the inertia as a real tower. The thesis even includes proposing a calculation of the torque that the torque generating system will actuate at the model..

Svenska mikrolån samt andra finansieringsmöjligheter för småföretag

When a country faces a decline in business activity, companies have to struggle to gain external capital. It is even more important for small enterprises to get capital, as they normally do not have enough collateral to receive traditional bank loans. In Bangladesh, Grameen Bank started with micro credit programs in the early 90?s, that included small capital loans and leasing of machines. Nowadays these micro credit programs have developed to function even in industrialized countries.

Kreditbedömningar och Data Warehouse : En studie om riktlinjer för insamling, transformering och inladdning av kreditbedömningsinformation i Data Warehouse

Studien har handlat om att ta fram riktlinjer för hur extrahering, transformering och inladdning (ETL) av kreditbedömningsinformation bör göras när det kommer till att införa ett Data Warehouse (DW). Ett kvalitativt angreppssätt har använts med både en fallstudie och en intervjustudie, där fallstudien genomfördes med Asitis AB som är en systemleverantör förfinans- och reskontrafinansiering (factoring) för att undersöka potentiella affärsmöjligheter med ett DW med kreditbedömningsinformation. Intervjustudien användes för att samla in värdefull information från individer inom alla berörda problemområden, och användes sedan i fallstudien. Resultatet var både framgångsfaktorer och fallgropar för ETL-processen med kreditbedömningsinformation som kan fungera som stöd för organisationer med detta behov. Det har visat sig att ETL-processen för kreditbedömningsinformation utgör ett område med stor potential för affärsmöjligheter, där det krävs hög kompetens, domänkunskap, proaktivitet och juridisk kunskap vid genomförande av ETL-processen..

Faktorer som inverkar på prisbildningen inom factoring

Banks have been some of the biggest operators on the market of business customers financing. When the Swedish Förmånsrättslagen was changed 2004 the banks became more restrictive to allow traditional bank loans. The change made it more difficult for customers to get their loans granted. For that reason customers had to find other forms of financing. Factoring is an alternative that means companies can mortage/sell their claim on customers to finance companies.

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