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While the Bank's long term capital usually does not meet all the needs. The Bank must have a long term capital to ensure the credit operations in General and the housing credit in particular can develop stability. From there, the Bank will get the trust of customers by high liquidity safety as well as have enough ability to meet the diverse needs of real estate in the area. (Bank will have customer's belief about safety, high liquidity as well as ability to meet the diverse demands for property). This is also consistent with the results of previous research in (Pichai & Hogue, 2014). A stable and sufficient capital facilitates bank lending as well as provide crucial protection against the collapse of the Bank and the economic and social costs involved.
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