In general, the term credit in the artistic or intellectual sense refers to an acknowledgement of those who contributed to a work, whether through ideas or in a more direct sense.
Credit in the arts
In the creative arts, credits are an acknowledgement of those who participated in the production. They are often shown at the end of movies and on CD jackets. In film, video, television, theater, etc., credits means the list of actors and behind-the-scenes staff who contributed to the production.
Credit in writing
In non-fiction writing, especially academic works, it is generally considered important to give credit to sources of information and ideas. Failure to do so often gives rise to charges of plagiarism, and "piracy" of intellectual rights such as the right to receive a royalty for having written. In this sense the financial and individual meanings are linked.
Academic papers generally contain a lengthy section of footnotes or citations. Such detailed crediting of sources provides readers with an opportunity to discover more about the cited material. It also provides a check against misquotation, as it's easy for an attributed quote to be checked when the reference is available. All of this is thought to improve integrity of the instructional capital conveyed, which may be quite fragile, and easy to misinterpret or to misapply.
Authors have to take care when naming fictional currencies because of the associations between currency names and countries; recognizable names for currencies of the future (e.g. dollar or yen) may be used to imply how history has progressed, but would appear out of place in an entirely alien civilization. Historical fiction may need research. Writers need not explain the exact value of their fictional currencies or provide an exchange rate to modern money; they may rely on the intuitive grasp of their readers, for instance that one currency unit is probably of little value, but that millions of units will be worth a lot.
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Third, despite RBI tightening macro-prudential norms on banks’ and NBFCs’ unsecured retail lending (and banks lending to NBFCs), bank credit to these segments remain robust (although it is still early days). This credit flow is adding to demand, and transmission in credit markets remains incomplete.
The RBI, which shook banks and non-banking financial companies (NBFCs) with higher capital requirements for extending unsecured loans, ... The central bank last month ordered higher risk weights to be assigned to unsecured credit that outpaced other loan types over the past one year.
Deputy Governor Swaminathan J on Friday said the Reserve Bank wants the lenders to “curtail” consumption loans or unsecured credit, where the end-use is undefined ... segments or unsecured credit which do not have a defined end use,” Swaminathan told reporters.
"It is essentially a prudential measure to curb or moderate credit growth in certain specific sectors," M ... The RBI expects lenders to set aside more capital against loans given for consumption-led segments or unsecured credit that does not have a defined end-use, he added.
... have taken certain measures,” said Swaminathan.Last month, RBI raised the risk weights assigned to unsecured consumer credit like personal loans and credit card dues, months after monitoring the situation and cautioning banks against going all out in lending to these categories.
Low credit scores are a useful metric for ... The six hardship metrics are.Credit scores,Outstanding mortgage balances,Unsecured credit utilization,Severe delinquency on loans,Adverse legal proceedings, such as foreclosures and bankruptcy, andProgress toward paying back car loans.
of ...PriorityPlus offers loans with fixed rates, as opposed to credit card companies that can change rates monthly ... Q ... These are unsecured personal loans needed for larger purchases or debt consolidation, for things like credit card debt or home improvement. The majority of our clients are sick of paying high-interest rates for their credit card debt ... .
But food remains a significant risk ...Despite rate increases, bank credit growth has sustained over 15 per cent this fiscal, unchanged from last year ... On its part, the RBI has been keeping an eagle eye on the strong credit offtake in risky segments such as unsecured consumer credit. The other concern is high bank credit flow to non-banks.
New Delhi , December 8 (ANI) ... As things stand, the monetary policy committee is most likely to maintain status quo ... Although MPC will emphasise on bringing inflation to the 4 per cent target, we expect MPC to remain on pause on rates and stanceWe may also hear a bit more about the retail/unsecured credit environment," he said ... (ANI) ....
... needed to speed up transmission and rely on macro prudential measures to manage risks to financial stability.The recently raised risk weights for unsecured, credit card and non-bank lending will crank up the capital requirements of financiers and put pressure on lending rates.
Higher risk weights on unsecured consumer credit and bank loans to non-banking financial companies (NBFC) will lower YesBank’s capital to risk weighted assets ratio (CRAR) by 30-35 bps, managing director and CEO Prashant Kumar told FE ... The CEO pointed out that the bank has been cautious on unsecured loans since January.
Paytm's action comes after the Reserve Bank of India in November asked lenders to boost provisions against personal loans and credit card borrowings as these debts are unsecured ... The increase in risk-weight of loans taken from banks may nudge non-bank lenders to seek alternative sources of credit, analysts have said.