Bank Entwicklung
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Bank Entwicklung
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Author : Congena NA
language : de
Publisher: Springer-Verlag
Release Date : 2013-09-03
Bank Entwicklung written by Congena NA and has been published by Springer-Verlag this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-09-03 with Business & Economics categories.
From The Internal Market To A Banking Union
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Author : Sachverständigenrat zur Begutachtung der Gesamtwirtschaftlichen Entwicklung
language : en
Publisher:
Release Date : 2012
From The Internal Market To A Banking Union written by Sachverständigenrat zur Begutachtung der Gesamtwirtschaftlichen Entwicklung and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with categories.
The European sovereign debt crisis has revealed severe flaws in the design of the internal market. Both, private and public borrowers had incentives for excessive borrowing, which have been created by deficits in the regulatory structure of financial markets. Capital requirements for banks were too low and had procyclical effects (Favara and Ratnovski 2012). Supervision has been ineffective with regard to containing the build-up of risks in banks' balance sheets. Common monetary policy in the Euro Area has not been accompanied by the transfer of authority to supervise and restructure banks which has, in turn, created incentives to shift risks to the European level. Risks of banks and states have become dangerously intertwined. Proposals for a banking union aim at correcting these deficits. In principle, a banking union is a necessary complement to other elements of the internal market. In an integrated capital market, banking distress in one country can have negative externalities for the stability of financial systems in other countries. Such risks are even more pronounced if other countries are affected through a common monetary policy. The banking union currently being discussed has three elements (President of the European Council 2012): banking supervision at the European level, a European authority for bank restructuring and resolution financed by a bank resolution fund, and a European deposit insurance fund. So far, concrete proposals have been made for the establishment of a Single Supervisory Mechanism only. However, a banking union is a long-term project. It is not the key to a solution to the acute problems in Europe's banking sectors (Buch and Weigert 2012, GCEE 2012a).
The Grameen Bank
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Author : Apakshit Sachdeva
language : en
Publisher: GRIN Verlag
Release Date : 2010-09-09
The Grameen Bank written by Apakshit Sachdeva and has been published by GRIN Verlag this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-09-09 with Business & Economics categories.
Seminar paper from the year 2010 in the subject Business economics - Business Management, Corporate Governance, grade: A+, Harvard University, course: Business Management , language: English, abstract: The Grameen Bank is a financial organization that provides microcredit loans largely, but not exclusively, to women in rural Bangladesh. These small loans are provided to people who wouldn’t normally have access to the conventional banking system. No collateral or legal agreement is required for those wishing to take out these small loans. Instead, lending is based on a system of mutual trust and accountability. The system of borrowing and lending is administered in a very different way from normal banks. Grameen looks to work with its clients and let them determine their repayment plans and help them should they have problems in meeting these. Surprisingly, the loan repayment rate is very high, even without formal agreements in place. The founder of the Grameen Bank, Professor Muhammad Yunus, believes that providing poor people, especially poor women, with credit can actually be an effective weapon in combating poverty and a tool for enabling socio-economic development. Conventional banking has tended to focus on men, but Grameen gives high priority to female borrowers, arguing that it empowers them and enhances their status in society. On the organization’s website, Professor Yunus states that, “these millions of small people with their millions of small pursuits can add up to create the biggest development wonder”.
The World Bank
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Author : Devesh Kapur
language : en
Publisher: Brookings Institution Press
Release Date : 2010-12-01
The World Bank written by Devesh Kapur and has been published by Brookings Institution Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-12-01 with Political Science categories.
This effort constitutes the most comprehensive and authoritative work to date on the history of the International Bank for Reconstruction and Development, or the World Bank. Author-editors John Lewis, Richard Webb, and Devesh Kapur chronicle the evolution of this institution and offer insights into its successes, failures, and prospects for the future. The result of their intense labors is an invaluable resource for other researchers and a fascinating study in its own right. The work is divided into two volumes. The first is organized thematically and examines the critical events and policy issues in the World Bank's development over the last fifty years. Chapter topics include poverty alleviation, structural adjustment lending, environmental programs, the International Finance Corporation (IFC), the International Development Association (IDA), and the evolution of the Bank as an institution. The second volume contains case studies written by experts with experience in the various regions in which the Bank operates. There are chapters on the Bank's activities in Korea, Mexico, Africa, South Asia, and Eastern Europe. Volume 2 also contains essays on the World Bank's relationship with the United States, Japan, and Western Europe, and its partnership with the International Monetary Fund (IMF). By special arrangement, the authors have had wide-ranging access to confidential documents at the World Bank, making this work a unique source of information on the internal workings of this critical institution. They have also drawn on extensive interviews with current and past Bank officials. Moreover, publication could not be more timely, coming as it does when many in the development community and in the U.S. Congress are questioning the Bank's track record and even its reason for existence. The World Bank: Its First Half Century will be of great interest not only to development practitioners but also to students of international relations, development economics, and global finance. During the course of the project, John P. Lewis and Richard Webb were nonresident senior fellows, and Devesh Kapur was a program associate, in the Foreign Policy Studies program at the Brookings Institution.
Equity And Development
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Author : Gudrun Kochendörfer-Lucius
language : en
Publisher: World Bank Publications
Release Date : 2006-01-01
Equity And Development written by Gudrun Kochendörfer-Lucius and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006-01-01 with Business & Economics categories.
Inequality of opportunity, both within and among nations, sustains extreme deprivation, results in wasted human potential and often weakens prospects for overall prosperity and economic growth, concludes the 2006 World Development Report. To correct this situation and reduce poverty more effectively, Equity and Development recommends ensuring more equitable access by the poor to health care, education, jobs, capital, and secure land rights, among others. It also calls for greater equality of access to political freedoms and political power, breaking down stereotyping and discrimination, and improving access by the poor to justice systems and infrastructure. To level the playing field among countries, and thereby reduce global inequities that hurt the poor in developing countries, the report calls for removal of trade barriers in rich countries, flexibility to allow greater in-migration of lower-skilled people from developing countries, and increased -- and more effective -- development assistance.
Investment Climate Growth And Poverty
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Author : World Bank
language : en
Publisher: World Bank Publications
Release Date : 2005
Investment Climate Growth And Poverty written by World Bank and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005 with Business & Economics categories.
This year, the workshop examined the conceptual foundation of the workshop sessions by discussing the definition of equity itself. What do we mean by equity, and how does equity differ from equality? Whereas equity is commonly associated positively with impartiality and justice, economists understand equality as an idealistic and unattainable goal often linked to socialism and communism. The terminological twins equity/equality, however, can be conceptualized in highly diverging ways with different consequences for development strategy. The discussions throughout the workshop mirror the controversial positions of international discourse on the topic. Through the varying dimensions of these terms, discussions focused on the different responsibilities for political action such terms entail. For example, whereas equality in outcome implies an egalitarian perspective, economic studies on inequality in outcome mostly take into account the results of actions and conditions such as unequal incomes. Session I, on what is equity, and, what is the role for governments in the promotion of equity, further discussed how does this role differ between developed and developing countries. Nonetheless, it was suggested that before operationalizing and measuring inequity, the concept itself has to be clarified, and, further arguments indicated that one future challenge for development policy is precisely to combine growth-promoting policies with policies that assure that the poor can fully participate in the opportunities that growth offers. Session II, on equity-enhancing social transformation and historical evidence from European and Transition Countries, focus on policies that impact equity. Session III, on building efficient welfare states and lessons learnt, discussed the task of formulating policies that foster both efficiency and equitable social welfare, while Session IV, on international inequalities and what can be done to reduce them, focuses on the global level, contrary to Session III which concentrated on equity issues at the national level. Finally, Session V, on what will greater integration mean for inequalities between and within the richer and poorer countries of the New Europe, draws a very differentiated picture. Conclusions outlined key issues that need to be addressed, noting the importance of carefully analyzing different redistributive instruments with respect to their effects on growth and efficiency, and vice versa.
European Banking
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Author : John A. Goddard
language : en
Publisher: John Wiley & Sons
Release Date : 2001-07-10
European Banking written by John A. Goddard and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001-07-10 with Business & Economics categories.
The retail banking sector has undergone immense change over the last decade, such that the industry is barely recognisable. The creation of the European Single Market has of necessity initiated deregulation, whilst the increase in telephone and internet banking has impacted on economies of scale. Financial services organisations are now able to compete in previously uncharted territory, to considerable effect. Taking the reader on a journey of discovery through the economic theory behind the practice and the consequences that follow, the authors have created a fascinating insight into the current state of European retail banking. The authors use their extensive research to display the rationale behind the increasing trend towards consolidation and efficiency. Well argued and well researched, this is a must read for all people with an interest in the European Banking market, from investors to bankers and students alike. "This outstanding contribution has everything a banking practitioner, academic or regulator would need to know about European banking, complete from theory to practice to data to background references. This is a must-have reference guide for anyone who wants or needs to know about our financial system." - Allen N. Berger, Senior Economist, Federal Reserve Board
Retail Banking
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Author : Dieter Bartmann
language : de
Publisher: Frankfurt School Verlag
Release Date : 2013-11-29
Retail Banking written by Dieter Bartmann and has been published by Frankfurt School Verlag this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-11-29 with Business & Economics categories.
Das Retail Banking hat in den letzten Jahren wieder an Bedeutung gewonnen und ist heute einer der wichtigsten Geschäftsbereiche der Kreditinstitute. Dieser Sektor ist im deutschen Bankenmarkt durch einen zunehmenden Konkurrenzdruck gekennzeichnet und eine nicht abgeschlossene Konsolidierung. Die in diesem Buch aufgezeigten innovativen Vertriebskonzepte und -strategien bleiben nicht bei traditionellen Ansätzen stehen. Dadurch wird gewährleistet, dass der Leser im dynamischen Alltagsgeschäft von den Inhalten in hohem Maße profitiert.
Banking System In Modern History
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Author : Franz Bosbach
language : en
Publisher:
Release Date : 1997
Banking System In Modern History written by Franz Bosbach and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1997 with Banks and banking categories.
Banking 2025 Die Bank Der Zukunft Banking 2025
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Author : Rainer Lenz
language : de
Publisher:
Release Date : 2015
Banking 2025 Die Bank Der Zukunft Banking 2025 written by Rainer Lenz and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015 with categories.
German Abstract: Die Entwicklung in der Informationstechnologie verändert viele traditionelle Geschäftsmodelle grundlegend. Der IT-Fortschritt bewirkt vor allem eines: Er reduziert die Suchkosten, so dass sich Anbieter und Nachfrager von Dienstleistungen und Produkten nunmehr unmittelbar ohne Zwischenschaltung eines Mittlers, Maklers oder Intermediärs auf webbasierten Plattformen finden. Von dieser Entwicklung betroffen sind alle Geschäftsmodelle des Handels und insofern auch der Handel mit Geld.Doch die Bankkunden werden sich dem neuen Geschäftsmodell der webbasierten Vermittlung von Kapital erst dann zuwenden, wenn der ökonomische Vorteil einer Verhaltensänderung im Sinne der Hinwendung des Individuums zu etwas Neuem so gravierend ist, dass er die Transaktionskosten der Einarbeitung in das Neue und die verbundene erste Unsicherheit des Handelns rechtfertigt. Hat die Anzahl der neuen Nutzer eine kritische Masse erreicht, wird der Prozess der Neuordnung nicht mehr linear und stetig, sondern sprunghaft und exponentiell verlaufen. D. h., der Prozess der Systemänderungen gewinnt ab einem gewissen Punkt an kaum mehr zu steuernder Eigendynamik. Angesicht der Ineffizienz des bestehenden Bankensystems und der ökonomischen Überlegenheit der webbasierten Alternativen scheint es nur eine Frage der Zeit zu sein, wann ein Systemwechsel im Bankgeschäft erfolgt.