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Search Results: 1 - 10 of 3226 matches for " banking reform "
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Economía política del neoliberalismo: ideas, intereses y reversibilidad
Sandoval, Irma E.;
Argumentos (México, D.F.) , 2007,
Abstract: this article argues that neoliberalism is not a technocratic project grounded in the disinterested application of economic orthodoxy, but a political project where the interests and ambitions of rent-seeking coalitions overcome the dictates of economic rationality. through an analysis of the historic development of the banking sector in mexico, the article reveals the intimate relationships between economic "liberalization", the strengthening of state intervention, corruption and rent-seeking.
Free Movement of Assets in the Context of European Union Adherer
Acta Universitatis Danubius : Oeconomica , 2005,
Abstract: The evolution of the European community ideas from the beginning to nowadays shows us the foundations of Europeans construction andits prospect of development. The European Union structure and the normative acts system mean a unique institutional frame, which participates at theintegration and the cooperation between member countries.
Annals of the University of Oradea : Economic Science , 2012,
Abstract: The way crossed by the Romanian banking system until the present time is one governed by profound reforms which have been made in regards to the European Union. The strategies embraced by Romanian banks, in 1990 and until the present time, are meant to develop and to improve the performances so that they can compete with European banks and they can respond in an efficient manner to the customersa€ needs. The purpose of this paper is to underline the main stages of evolution of the Romanian banking system since 1990 and to lay emphasize the perspectives on its evolution in the context of the actual economic crisis. By going through the stages previously mentioned in this paper , we can see that the Romanian banking system evolved positively, from the moment of the transition to the market economy, but in order for it to be functional and to contribute to the development of the economy as a whole, aspects related to the the supervision of the financial stability should be taken into consideration and in order to assure the stability of the financial system, the increase of the administrative capacity of the Central Bank should be considered, as well as balancing the structure of the creditation process, on coins, the improvement of the banking assetsa€ quality, the qualitative study of the NBRa€ s surveillance process, managing the contagion risk, etc. In order to achieve these objectives, the documentation by the investigation of a significant volume of works has been done, by scientifically acknowledged publications, analysis being applied, by deduction method and a significant volume of quantitative information was submitted to professional judgment. Concerns regarding this subject have been found in various paper works and in specialized books. We mention here the doctoral thesis of Elena Teodorescu Georgescu a€ The evaluation pattern of credit institutionsa€ prudential surveillance efficacya€ , the author of this work David Delia, with the work a€ Contributions regarding the improvement of the banking accountancy dealing with credits granted to non-financial clientsa€ and so on. An outstanding attention payed to this subject was the one of the governor of the National Bank of Romania, Mugur Isarescu, who issued a series of articles and books on this subject. Also, Silviu Cerna, Aurelian Paul Berea, Vasile Dedu, Nicolae Danila approached in their books the problem regarding the evolution of the Romanian banking system. The National Bank of Romania offers to its users, information regarding the evolution of the banking industry through the Reports
Annals of the University of Petrosani : Economics , 2011,
Abstract: Based on the concept that the banking system is the engine of economic development, the paper is intended as a blueprint for the banking system in Romania since 1989, stages and parts of its reorganizing process. In the article is also carried out an analysis of the Romanian banking system in terms of numerical development banks and through the two indicators considered fundamental in the banking system: market share, expressed in terms of net balance sheet asset, that social / endowment capital and are presented the conclusions that have been drawn from this analysis.
The treatment of SMEs loans in the New Basel Capital Accord: some evaluations
Fabrizio Fabi,Sebastiano Laviola,Paolo Marullo Reedtz
PSL Quarterly Review , 2004,
Abstract: In April 2003 the Basel Committee on Banking Supervision issued a third consultative paper on the new Basel Capital Accord (Basel II). The document contains substantial changes with respect to the previous proposal of January 2001, on which improvements were requested, among other aspects, regarding the too severetreatment foreseen for loans to small and medium sized enterprises (SMEs). The aim of this paper is to analyse the treatment of SME loans under the Basel II framework and to provide an empirical evaluation of the impact of the different proposals on a large hypothetical portfolio of Italian corporations. Our simulations indicate that the prudential treatment of SME loans foreseen in the last consultative document of theBasel Committee is not penalizing with respect to the current situation. Therefore, we should not expect a reduction of credit or an increase in interest rates on loans to this type of borrowers.
The Romanian Banking System after EU Accession
Viorica IOAN,Monica SUSANU,Saftica ENACHI
Risk in Contemporary Economy , 2011,
Abstract: Banks play an important role in the financial sector, in the proper functioning of economic entities and in the economy as a whole, therefore over time the establishment of a functioning banking system capable of delivering a wide range of products and services to meet the requirements of all potential customers has been a permanent concern. Considering the economic and financial reality, both internationally and domestically, each country and therefore, Romania is interested in creating a solid banking system, enabling the appropriate organizational framework in order to ensure a development of the financial mechanisms. The banking system as the basic element of the financial system, allows an efficient allocation of resources in the economy and, in order to function properly, we need to know the risks they face:a slow economic growth may cause losses due to difficulties in repaying bank loans, due to lower sales or lower wages, changes in asset prices may cause financial losses to investors, decreasing a sector of the economy which has monopolized the banks’ and investors’ attention.
Romania in the Complex Mosaic of Reform Formulas of the European Enlargement Project
Georgiana Ciceo
Sfera Politicii , 2012,
Abstract: In a period of hectic diplomatic activity for breathing a new life into the project of European integration and bouncing it back after the economic crisis came to threaten its credibility, Romania is bound to take an active role in the ongoing discussions on the future of Europe. The deliberations that have been going on for the past few months advance now along several lines and aim at creating a banking union, a fiscal union, an economic union and a political union. Each of them taken separately and all of them taken together will alter fundamentally the governance structures of the European Union.
Airtime Credit Banking: From Two Applications to One Application  [PDF]
Iorliam Aamo, Atu Myom, Yahaya I. Shehu
Journal of Computer and Communications (JCC) , 2017, DOI: 10.4236/jcc.2017.510002
Abstract: This paper proposes how airtime credit could be used for banking purposes. The aim is to provide a means of converting airtime credit of any network service provider to a credit alert for a particular bank account user. This paper shows a simple implementation of the proposed system. The advantage of the proposed system is that it allows customers the right to convert their purchased airtime credit to a credit alert at anytime when they no longer wish to use the airtime credit again. Furthermore, it explains the limitations of the proposed system considering regulations in different countries of deployment. This approach could be extended to cover other vouchers for banking applications as well.
Measuring the Severity of a Banking Crisis and Finding Its Associated Factors: How Are the Factors Different for Simple and Severe Banking Crises?  [PDF]
Anichul Hoque Khan, Hasnat Dewan
Theoretical Economics Letters (TEL) , 2014, DOI: 10.4236/tel.2014.49109
Abstract: This study measures the severity of a banking crisis by using its duration and the cost. Using this new methodology, we find that the factors associated with a severe banking crisis are not quite the same as those associated with a simple banking crisis. An ordered logit model and a large panel data set were used for this study. One of our major findings is that there exists a four-year time lag between an economic boom, or financial system liberalization, and the occurrence of a severe banking crisis in a country. This indicates that banking problems start much earlier than the time when they are revealed as banking crises. This study also finds that the lower the remains of a past banking crisis, the higher the probability of a severe banking crisis. It could be due to less-attentiveness of banking sector policy-makers with elapsed time. A high rate of inflation, existence of an explicit deposit insurance scheme, and a weak institutional environment are found to be common factors positively associated with both simple and severe banking crisis.
Determinants of Mobile Banking Adoption in the Ghanaian Banking Industry: A Case of Access Bank Ghana Limited  [PDF]
Agbemabiese George Cudjoe, Patrick Amfo Anim, Joseph Gerald Nii Tetteh Nyanyofio
Journal of Computer and Communications (JCC) , 2015, DOI: 10.4236/jcc.2015.32001
Abstract: The study examined the determinant of mobile banking adoption among bank customers in Ghana, with specific emphasis on Access Bank. In line with literature, the study applies theoretical frameworks which have been developed from existing literatures on innovation and adoption to collect responses from one hundred and fifty (150) sampled customers of Access Bank in order to investigate the determinants of mobile banking adoption in the Ghanaian banking industry. The results from the study revealed that, each factor measured had some level of significant effect on consumer intention to adopt and use mobile banking services provided by Access Bank. Additionally, the study unveiled that, perceived credibility and perceived financial cost were the major setback with regards to customers adoption of mobile banking services provided by Access Bank, and as a result of this, Ghanaians have formed a negative behavioural pattern towards mobile banking. In addition, the findings showed that, perceived credibility and perceived financial cost have a stronger effect on consumer intention to adopt and use mobile banking service than perceived usefulness and perceived ease of use. It was, therefore, recommended that banks in Ghana should create more awareness through personal interaction with customers, develop quality initiatives in order to build customer’s confidence. Equally, banks should also review the cost of their mobile banking service.
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