Secular change pressures in UK corporate bank lending by James S. Johnson

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Growing pains: The changing regulation of alternative lending platforms by Ding Chen, Anil Kavuri, Alistair Milne

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In good times and in bad: bank capital ratios and lending rates by Matthew Osborne, Ana-Maria Fuertes, Alistair Milne

“…Significant changes are also detected in the relationship for unsecured household and corporate lending. …”
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Developing aspirations through social assemblages: towards a conceptual model by Amalia Sabiescu

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An interrelated approach to teaching mathematics in further education by Stanley Turner

“…Reports and consultative documents published at national level since about 1980 have indicated that British Industry must look to modern technology and also educate and train its workers on a 'broad base', with an 'integrated' approach. …”
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Japan: The banks are back! Or are they? by Maximilian Hall

“…Core profitability, for example, remains very weak, in part due to wafer thin lending margins at home and sluggish corporate loan demand. …”
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Inter-library loans: retrospect and prospect by Brynmor Jones

“…In the United Kingdom, including to a lesser extent Eire, the last sixty years or so have seen the development of a system of national and regional inter-library lending of which the library service may be justly proud. …”
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Shadow banking activity and entrusted loans in a DSGE model of China by Chaowei Wang, Vo Phuong Mai Le, Kent Matthews, Peng Zhou

“…This paper examines how the risky lending activities of the state-owned enterprises (SOEs) affect the effectiveness of monetary and fiscal policy in China with a shadow banking sector. …”
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Legal enforcement and fintech credit: International evidence by Hongfeng Peng, Jiao Ji, Hanwen Sun, Haofeng Xu

“…Previous studies have shown that the quality of legal institutions is negatively associated with the interest rates of business loans. Fintech lending, with improved ex ante risk-sharing practices that change the approach to credit provision, presents a challenge to the traditional relationship between law and finance. …”
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The dynamics of competition within the basic bank markets in the UK by Michael G. Whitehead

“…These markets are primarily concerned with retail deposits, the payments system and a range of lending related services. In the past, they have been the traditional preserve of the large clearing banks and more recently the building societies - now an increasing number of players such as foreign banks, retailers and credit card companies, have entered, or are threatening to enter, this market. …”
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IFRS 8 and the cost of capital in Europe by Ahmed Saleh, Ahmed Aboud, Yasser Eliwa

“…Using a self-constructed segment reporting quality measure and a sample of 884 firm-year observations over the period of 2007 to 2011, we provide evidence that investors and lending institutions find no change in the usefulness of segment reporting after the adoption of IFRS 8. …”
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Administration of recoveries in individual insolvency - case studies of two UK banks by Keith Pond

“…The paper illustrates the reactions and changing administrative practices of banks, as unsecured creditors, and draws on empirical research that has charted the effect of the Insolvency Act 1986 as regards individual debtors. …”
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Public policy towards R&D in a mixed duopoly with spillovers by Maria Jose Gil-Molto, Joanna Poyago-Theotoky, Vasileios Zikos

“…We also …nd support for the empirical claim that privatization is followed by a scaling down of the R&D activity. …”
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The biocompatibility and adhesive properties of polymer–clay nanocomposite hydrogels by Laura Jinks

“…Because of their enhanced mechanical properties compared to traditionally cross-linked materials, they are lending themselves to a wide variety of potential applications. …”
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Non-linearities, regime switching and the relationship between Asian equity and foreign exchange markets by Mark J. Holmes, Nabil Maghrebi

“…Using a quadratic approximation, we find only limited evidence of non-linearities within each regime. The results lend little support to the proposition that moderate depreciations are associated with increases in stock returns while large ones, short of a currency crash, have negative effects on equity markets.…”
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Downsizing electronic mail can optimise company communications by Tom Jackson, Ray Dawson, Darren Wilson

“…The introduction of electronic communication in companies has many claimed benefits. One such benefit is that this communication lends itself to measurement and monitoring. …”
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Inter-decadal variability of degree-day factors on Vestari Hagafellsjökull (Langjökull, Iceland) and the importance of threshold air temperatures by Tom Matthews, Richard Hodgkins

“…Here we explore the validity of this assumption in a changing climate for two locations on Vestari Hagafellsjökull (1979-2012) using a Surface Energy Balance (SEB) approach that isolates the effect of changes in theprevailing weather on the 𝐷𝐷𝐹. …”
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Researching the teacher's world: a case study of teacher-initiated innovation by David Kirk

“…The study provides information on the dynamics of unplanned educational change and the findings lend qualified support to the trend towards school-centred innovation.…”
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Microstructural evolution in Nimonic 263 for high temperature power plant by Sean A. Smith, Geoff West, K. Chi, W. Gamble, Rachel Thomson

“…A focussed ion beam technique has also been used to produce site specific samples for examination in the TEM to assist in the identification of grain boundary precipitates. The changes occurring in the microstructure as a result of time and temperature of exposure have been quantified and the precipitates fully identified. …”
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The feeling of emotion across the life span by Jeanette G. Janes

“…The results showed that emotion does change across the life span and thus lend support to non-universality of emotions. …”
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The effect of visually manipulating back size and morphology on back perception, body ownership, and attitudes towards self-capacity during a lifting task by Kristy Themelis, Natasha Ratcliffe, Tomohiko Nishigami, Benedict M Wand, Roger Newport, Tasha R Stanton

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Electronic portfoilios for design and technology by Andy Mitchell, Peter Grover, Sally Bradley

“…These issues include: • the use of reflective processes by students in the evaluation of their own outcomes and learning is underdeveloped both specifically within DTE • submissions do not necessarily encourage active student reflection or the articulation of thought processes • the contents tend to be entirely two dimensional and do not encourage recording of three dimensional development work undertaken • they are bulky and do not easily lend themselves to display, storage and handling • maintaining the order of contents is difficult and liable to change when accessed • for security reasons, general availability and access to their contents is restricted to a few (usually only tutors) and does not easily facilitate peer scrutiny • presentation can often incur unnecessary cost for students. …”
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Cold water ingestion improves exercise tolerance of heat-sensitive people with MS by Georgia K. Chaseling, Davide Filingeri, Michael Barnett, Phu Hoang, Scott L. Davis, Oliver E. Jay

“…The remaining 7 MS participants all cycled longer (P = 0.006) in CLD (46.4 ± 14.2 min) compared with NEU (32.7 ± 11.5 min), despite a similar absolute T re (NEU: 37.32°C ± 0.34°C; CLD: 37.28°C ± 0.26°C; P = 0.44), change in T re (NEU: 0.38°C ± 0.21°C; CLD: 0.34°C ± 0.24°C), absolute T sk (NEU: 34.48°C ± 0.47°C; CLD: 34.44°C ± 0.54°C; P = 0.82), and HR (NEU: 114 ± 20 bpm; CLD: 113 ± 18 bpm; P = 0.38) for the same exercise volume. …”
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Towards a market in broadcasting: a comparative analysis of British and German communications policy by Christian Potschka

“…Political structures and the evolution of late capitalism in liberal Western democracies lend a common frame to the development of national media systems. …”
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