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Effects of Loan Recycling Issues on Small Financial Institutions in the United States (2008-2012)

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Effects of Loan Recycling Issues on Small Financial Institutions in the United States (2008-2012)
CONDUCTED BY PROFESSOR
XXXXX XXXXXX
CONDUCTED BY PROFESSOR
XXXXX XXXXXX
LINCOLN UNIVERSITY

LINCOLN UNIVERSITY

PROPOSAL TITLE
EFFECTS OF LOAN RECYCLING ISSUES ON SMALL FINANCIAL INSTITUTIONS
IN THE UNITED STATES
(2008-2012)

PROPOSAL TITLE
EFFECTS OF LOAN RECYCLING ISSUES ON SMALL FINANCIAL INSTITUTIONS
IN THE UNITED STATES
(2008-2012)

PREPARED BY:
YYYY YYYYY
BBBB BBBB
ZZZZ ZZZZZ 2012
PREPARED BY:
YYYY YYYYY
BBBB BBBB
ZZZZ ZZZZZ 2012

CONTENTS:

1. INTRODUCTION 2. REVIEW AND RELATED LITERATURE 3. METHODOLOGY 4. PRELIMINARY RESULTS 5. REFERENCES

INTRODUCTION

Have you ever think of any bank practices that is done without any prior notices to its customers even it is highly related to such individuals’ private information? What would be the reactions and results of this practice for all related parties?
Our group wrote a project proposal on Effects of Loan Recycling Issues on Small Financial Institutions in The United States between 2008 and 2012. Amongst all of the banks’ services, the loan sales are the only one that is not announced to a borrower before its completion.
What is the loan recycling? Who is transferring it to whom? What types of loans can be transferred?
Loan recycling jargon refers to as sales of loan between financial institutions. Practically, the giant banking icons such as Bank of America, Wells Fargo, Citibank, and Chase bank sell their mortgage loans to smaller financial institutes including Spring Leaf Financial Servicing, CONIX, and many more. The loans that are predicted as default of payment for certain reasons tend to be


References: * Miller S., 1998, the development of the leveraged loan asset class. In Fabozzi, F. (Ed.), Bank Loans: Secondary Market and Portfolio Management, Frank J. Fabozzi Associates, New Hope, PA, pp. 1-23. * Lummer, S., and J * William G. Zikmund, Barry J. Babin, Jon C.Carr, and Mitch Griffin “Business Research Methods”, 8th edition, South-Western/ Cengage Learning, 2010 (ISBN-10: 1439080674 ISBN-13: 9781439080672)
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