(Credit risk and commercial banks) Fourth Second Bank is a l…

(Credit risk and commercial banks) Fourth Second Bank is a large regional bank headquartered Akron, Ohio. Its consumer lending operations use credit scoring to evaluate and monitor loans. After years of growing loans at the same rate as their peers, they revised their scoring model in 2023. Since then, their annual loan growth rate has been 8% versus 4% for their peers. Given this information, you think

(Life insurers as financial institutions) When we discussed…

(Life insurers as financial institutions) When we discussed life insurers, we talked about the distinction between general accounts and separate accounts. We also saw that life insurers hold large amounts of corporate bonds and (mostly commercial) mortgage loans. Is this group of assets mostly held in life insurers’ general accounts or in their separate accounts?

Research is important to the college experience.  Describe a…

Research is important to the college experience.  Describe at least 3 differences between a professional journal article and a magazine.  List 3 questions should a student ask about the quality of the information they are considering using for a research assignment?  Give 2 tips for using the college library.