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Free research papers and essays on topics related to: banking

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  • Banking Commission - 1,178 words
    Banking Commission "More than 70% of commercial bank assets are held by organizations that are supervised by at least two federal agencies; almost half attract the attention of three or four. Banks devote on average about 14% of their non-interest expense to complying with rules" (Anonymous 88). A fool can see that government waste has struck again. This tangled mess of regulation, among other things, increases costs and diffuses accountability for policy actions gone awry. The most effective remedy to correct this problem would be to consolidate most of the supervisory responsibilities of the regulatory agencies into one agency. This would reduce costs to both the government and the banks, ...
    Related: banking, banking system, commission, most effective, federal reserve bank
  • Banking Concept Of Education - 1,231 words
    Banking Concept Of Education A brief analysis of "The Banking Concept of Education" There have always been numerous theories in relationship to the inadequacy of our education system here in the United States, as well as elsewhere in the world. The education of our children does not seem to be working and ahs also become a very complex and confusing subject, as many immigrants move into the country requiring special language instruction, unnecessary classes such as art and music are removed, adequate funding for materials is harder to obtain, and children live in fear of violence within their classrooms. These are the main concerns of the educational system today, but these may well not be t ...
    Related: banking, education system, higher education, learning process, home schooling
  • Banking Industry Analysis - 723 words
    Banking Industry Analysis Graham Mavar Mgmt. 415 Sec 6 Industry Analysis: Banking The banking industry has come under increasing pessimism of late because of rising short and long-term interest rates. The banking industry's market capitalization made a substantial decline. Most investors are concerned with whether the industry can sustain continued profitability as a result of these factors. Banks have responded in recent years to these problems by diversifying away from interest sensitive products and services. But interest rates are the fundamental aspect of any financial services. Therefore, I believe the financial services industry will be deeply affected by rising interest rates. Banks ...
    Related: banking, banking industry, banking system, financial services industry, industry analysis, investment banking, services industry
  • Electronic Banking - 891 words
    Electronic Banking The Electronic Banking Association (EBA) is a non-profit organization established to do one simple thing-help more people get started with electronic banking. Here's why. Who taught you how to write paper checks? Probably your parent's right? Well, who's going to teach you how to write electronic checks? Probably NOT your parents. That's where they come in. E-banking is so much more convenient and so much quicker that everyone should know about it. The EBA was established as an independent source of helpful information about electronic banking for consumers and businesses. Financial institutions, merchants, and other financial service firms actually provide financial e-com ...
    Related: banking, personal financial, personal finance, financial management, commerce
  • Islamic Banking - 1,514 words
    Islamic Banking INTRODUCTION The basic concept of Islamic banking which is also known as 'interest-free banking' is based on basic ethical standards with just one main difference- Muslims are not allowed to pay or receive interest. This does not mean that business activities or making a profit are not encouraged, they are but as long as they don't involve interest in any form. To fulfil this purpose, financial instruments have been introduced by the Islamic financial institutions to satisfy these requirements. An example that can be seen is that equity financing is used instead of debt financing. Furthermore, instead of giving a fixed interest rate on the savings account, Islamic banks offer ...
    Related: banking, banking system, islamic, islamic banking, islamic law
  • Islamic Banking - 1,523 words
    ... ed in three areas: investment, trade and lending. Investment financing: This is done in three different ways: 1. Musharaka (venture/equity financing) where a bank may join another entity to setup a joint venture, both parties participating in the various aspects of the project in varying degree. Profits and losses are shared in a pre-arranged fashion. The venture is an independent legal entity and the bank may withdraw gradually after an initial period. 2. Mudarabha (trust financing) where the bank contributes the finance and the client provides the expertise, management and labor. Profits are shared by both the partners in a pre-arranged fashion, but when a loss occurs, it is completely ...
    Related: banking, banking system, islamic, islamic banking, liquidity ratios
  • Online Banking - 600 words
    Online Banking Banking Online Imagine banks without tellers, desks, brochures, or ATMs. Picture, a virtual bank, residing inside of a computer, projected by images on a computer screen. US financial institutions are moving towards virtual banking; a strategy making bank services available to customers any time and place they need them. Banks are offering more services as virtual banking becomes more popular, while the number of traditional teller-staffed branches are declining. Bank customers are moving away from traditional banking and becoming dependent on electronic transactions using ATMs and PCs. Thanks to this technology, financial institutions are using software programs, online servi ...
    Related: banking, online, online banking, internet browser, application software
  • Turkish Banking Sector Analysis - 4,574 words
    Turkish Banking Sector Analysis INTRODUCTION The banking sector constitutes the greater part of the Turkish financial system. Banks carry out a great portion of the activities taking place in both money and capital markets. The share of the banking sector in the financial system as of the end of March 1997 was 71 %. Turkey's financial system and its banking sector are virtually synonymous as a consequence of the country's economic and historical development. There are a number of factors that give banking its prominent role in Turkish economy. These are:  The economic structure peculiar to Turkey.  The choice to turn resources into long-term investments through banks for the ...
    Related: banking, banking industry, banking sector, banking system, international banking, islamic banking, private sector
  • Turkish Banking Sector Analysis - 4,583 words
    ... the same period of the previous year, the total assets of the Turkish banking system grew by 88 percent in nominal terms and reached TL 42,896 trillion by the end of March 1999. Within the commercial banks groups, the growth rates were 90 percent for both state-owned banks and foreign banks and 95 percent for privately owned banks, while the total assets of the banks under the Deposit Insurance Fund increased only by 24 percent. A slow growth of 57 percent was observed in the development and investment banks. Turkish Banking System, March 1999 TL Trillion Annual per. Change USD Million Annual per. change Dec. 1998 per. change Commercial banks 40,933 90 111,417 25 -1 State-owned 14,549 9 ...
    Related: banking, banking sector, banking supervision, banking system, public sector, sector, turkish
  • 100 Years Of History - 1,781 words
    ... dium, Henry Hank Aaron, breaks the record set by Babe Ruth, and hits his 715 Th home run, the 40-year old Brave hit it off of Dodgers pitcher Al Downing. On August 8 Richard Nixon, faced with impeachment, became the first president to quit, he announced his quitting, in Washington, D.C. 1975 On January 12, the stunning Steeler defense held Tarkenton and to Vikings to a standstill in New Orleans, where the Pittsburgh Steelers went on to win their first Super bowl 16-6 over the Minnesota Vikings. On July 17-19 the American Apollo 8, with Thomas P Stafford, Vance D Brand, and Donald K Slayton, hooked up with the Soyuz 19, Aleksei A Leonov and Valeri N Kubasov. On April 29 the Vietnam war en ...
    Related: history, states history, united states history, michael jordan, bill clinton
  • A Current Look At Japans Financial And Political Risk - 992 words
    A Current Look at Japans Financial and Political Risk A global company faces a number of different types of risks-economic, legal, political, and competitive. The nature and severity of such risks are not the same for all countries. A global company is in a position to manage such risks effectively by planning and implementing strategies aimed at diffusing risk. By keeping a breast of news-breaking developments, and not easily forgetting the past, an international company will have the ability to achieve successful use of strategic risk management in the global business environment. In the past five years, much to their disgrace, Japan has fell victim to numerous financial scandals. In addit ...
    Related: financial institution, financial management, financial market, financial risk, financial system, political risk, risk management
  • A Current Look At Japans Financial And Political Risk - 985 words
    ... me of the worlds most powerful banks, also Japanese. The term "Mof-tan" combines the ministrys acronym with part of the Japanese word "tanto", meaning "person in charge". If the banks of Japan were able to persuade the "person in charge" they then would have the ability to change the rules of the game in which they play, and without a doubt these adjustments would work in their favor. This type of scandalous action would not only create an unleveled playing field but eliminated the Japanese method of monitoring and obtaining information about the validity and integrity of Japanese banking policies. The only answer to the problem would be to eliminate the Mof-tan and create a new way to g ...
    Related: financial sector, political risk, democratic party, japanese economy, resign
  • A Postmodern Age - 1,423 words
    A Post-Modern Age? A Post-Modern Age? Introduction: Post-Modernism can be described as a particular style of thought. It is a concept that correlates the emergence of new features and types of social life and economic order in a culture; often called modernization, post-industrial, consumer, media, or multinational capitalistic societies. In Modernity, we have the sense or idea that the present is discontinuous with the past, that through a process of social, technological, and cultural change (either through improvement, that is, progress, or through decline) life in the present is fundamentally different from life in the past. This sense or idea as a world view contrasts with what is commo ...
    Related: postmodern, american market, european history, post modern, depot
  • A Tale Of Two Cities Charles Dickens 18121870 - 1,809 words
    A Tale of Two Cities Charles Dickens (1812-1870) A Tale of Two Cities Charles Dickens (1812-1870) Type of Work: Historical fiction Setting London and Paris during the French Revolution (1789-1799) Principal Characters Dr. Manette, a French physician, wrongfully imprisoned for 18 years Lucie Manette, his daughter Charles Darnay, a former French aristocrat who has repudiated his title and left France to live in England Jarvis Lorry, the able representative of Tellson & Co., a banking house Sydney Carton, a law clerk Madame Defarge, a French peasant and longtime revolutionary Story Overveiw (In the year 1775, King George III sat on the throne of England, preoccupied with his rebellious colo ...
    Related: charles darnay, charles dickens, tale, tale of two cities, historical fiction
  • Adventures In Ecommerce - 1,299 words
    Adventures In E-Commerce Adventures in E-Commerce Unless you've been living under a rock for the last two years, you have heard about e-commerce, and I bet you've heard about it from several different angles. I'm sure you've heard about all the companies that offer e-commerce because you've been bombarded by their TV and radio ads. You've read all of the news stories about the shift to e-commerce and the hype that has developed around e-commerce companies. You may have even purchased something off the web, so you have direct personal experience with e-commerce. In 1996 while surfing the web, I stumbled on an online auction site. While I found it interesting and mysterious, I didn't have any ...
    Related: ecommerce, hampton roads, online shopping, stocks and bonds, bank
  • Affirmative Action - 1,727 words
    Affirmative Action Jean Miller #43252 American Heritage 100 7:00 am - 7:50 am M, W, F Brother J. Baker Affirmative Action Affirmative action is a growing argument among our society. It is multifaceted and very often defined vaguely. Some can define affirmative action as the ability to strive for equality and inclusiveness. Others might see it as a quota-based system for different minority groups. Affirmative action was originally designed to help minorities (Gross, 1996). Is affirmative action fair? Are minority groups on equal footing? Is gaining employment for minorities difficult? Is education easily obtained for the minority groups of people? Affirmative action endeavors to answer all th ...
    Related: affirmative, affirmative action, working women, equal opportunity, frequent
  • Ag Edwards Inc - 1,474 words
    A.G. Edwards Inc. Business Profiles in American Enterprise A.G. Edwards Inc. The industry for securities is undoubtedly an exciting and fast paced industry. This means that brokerage firms such as A.G. Edwards and Sons must always be watching the stock prices on every stock in the market so that they can give their clients maximum profit. When A.G. Edwards and Sons clients do well then in turn so does the brokerage firm. A.G. Edwards Inc. is not the biggest corporations in America, but yet it is still a very large corporation and has great importance in the industry for which it participates. This paper will give an in depth explanation about how A.G. Edwards functions as a cor-poration. Alo ...
    Related: security firms, life insurance, mutual funds, salary, volume
  • Ag Edwards Inc - 1,418 words
    ... p. 5). From this statement A.G. Edwards declares that they are very prepared for whatever is ahead of them in the future and will make the sacrifices to stay in business and continue to have content stock holders, employees and clients. Benjamin Edwards III, the CEO of the corporation states numerous times that the number one interest of the corporation is to look out for the customer and always be placing them first. The Organization of A.G. Edwards Inc. is organized like most other corporations. The organization of A.G. Edwards Inc. can be considered centralized. As it can be seen from the preceding chart the organization is hierarchical. There is Banjamin Edwards who is the president ...
    Related: board of directors, annual report, company overview, draw, impression
  • Ai Edge Of Excellence - 1,012 words
    Ai - Edge Of Excellence Running head: The Edge of Excellence The Edge of Excellence Kathleen P. Munn Community College of Philadelphia Recently, the media has spent an increasing amount of broadcast time on new technology. The focus of high-tech media has been aimed at the flurry of advances concerning artificial intelligence (AI). What is artificial intelligence and what is the media talking about? Are these technologies beneficial to our society or mere novelties among business and marketing professionals? Medical facilities, police departments, and manufacturing plants have all been changed by AI but how? These questions and many others are the concern of the general public brought about ...
    Related: edge, excellence, computer system, running head, massachusetts
  • Aids Whats New - 1,666 words
    ... dical history-taking, questionnaires and donor inter- views. Very few people at risk of AIDS now come to give blood. The "self- elimination form", filled out in a private booth, allows any who feel compelled by peer pressure to donate blood, total privacy to check the box that says "Do not use my blood for transfusion." As to banking one's own blood, or autologous donations, the Red Cross permits a few "medically suitable" people, referred by their physician, to store their blood if they are likely to need blood transfusion in upcoming elective surgery. They can bank up to four units of blood, taken in the five weeks before surgery. Finally - it can be categorically stated - IT IS ABSOLU ...
    Related: aids, whats, influenza virus, research institute, awareness
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