Banking Theory: The Balancing Effects of Proactive Timing of a Bank's Portfolio Management on Consumer Credits (Article Forthcoming)

The primary objective of the present study is to analyse the consumer credits with the extent of date of maturity. Timing of a Bank's Portfolio which is managed proactively stabilize the systemic risk and create a decrease in marginal cost of credits smultaneously. In an appropriate manner a decrease in total cost of credits may remove the adverse effects of selection process. This study proposes a model which incorporates the effect of proactive timing attributable to the return of equity on the assets including the consumer credits that make up intensively the main structure of portfolio. The results demonstrate the importance of proactive timing of a Bank's Portfolio Management on efficiency and enhancement of consumer Credits