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

Author

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  • Kseniya L. Luchenko

    (Sergey Korolyev Samara State Aerospace University (National Research University), Samara, Russia)

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.

Suggested Citation

  • Kseniya L. Luchenko, 2011. "Loan Issuing to Small Enterprises and the Banks’ Cashflow: A Mathematical Model," Finansovyj žhurnal — Financial Journal, Financial Research Institute, Moscow 125375, Russia, issue 2, pages 105-116, April.
    • Handle: RePEc:fru:finjrn:110210:p:105-116
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    More about this item

    Keywords

    credit risk; interest rate; discounts; statutory reserve requirements; optimization model;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • D24 - Microeconomics - - Production and Organizations - - - Production; Cost; Capital; Capital, Total Factor, and Multifactor Productivity; Capacity

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