After reviewing the bad news and corruptions of the higher executives in commercial banks recent years, the article first analyzes the characteristics of all these things, and use game theory to analyzes the actions b...After reviewing the bad news and corruptions of the higher executives in commercial banks recent years, the article first analyzes the characteristics of all these things, and use game theory to analyzes the actions between the higher executives and administrative sections and further construes with cost and benefit utility model, and finally put up some countermeasures.展开更多
Downsizing as a systematic reduction of employees is frequently utilized in order to increase productivity, efficiency, profitability, and competitiveness of firms. As a strategy of choice for many firms around the wo...Downsizing as a systematic reduction of employees is frequently utilized in order to increase productivity, efficiency, profitability, and competitiveness of firms. As a strategy of choice for many firms around the world, downsizing produces far-reaching financial, organizational, and social consequences. Despite the large body of literature, there is inconclusive evidence as to whether downsizing is effective and whether it generates the widely anticipated financial benefits. An in-depth review of the literature suggests that most downsized organizations have failed to yield economic benefits. This case study examined whether Portugal＇s eight largest banks realized their financial objectives upon the execution of downsizing activities during their recent 2008-2010 endeavors. Financial performance was measured through employee efficiency, profitability, and asset quality. Six hypotheses were defined using six different financial ratios which were deemed as integral tools for measuring financial performance of deposit-accepting banks. The secondary data were analyzed within a defined framework of two distinct phases： pre- and post-downsizing phases. A key statistical tool, the paired sample t-test, was applied to determine whether there were statistically significant differences in the ratios between the two timeframes. The analysis demonstrated that there were statistically significant differences between the pre- and post-downsizing ratios of loans per employee and deposits per employee. In contrast, no statistically significant difference was found in return on assets （ROA）, return on equity （ROE）, loans to assets, and non-performing loans to loans ratios. On the basis of this analysis, the study has concluded that downsized large Portuguese banks have largely failed to achieve their projected financial objectives.展开更多
Since China＇ s accession to WTO, opening up has intensified China＇ s ties with the international financial markets, financial markets have become increasingly frequent. However, with respect to foreign banks, capita...Since China＇ s accession to WTO, opening up has intensified China＇ s ties with the international financial markets, financial markets have become increasingly frequent. However, with respect to foreign banks, capital management of commercial banks is only just beginning. Especially after the proposed Basel, how to adjust the capital assets of commercial banks is to enable them to comply with Basel II requirements, ensuring stability and development of the banking sector is the China Banking Regulatory Commission and the commercial banks. So, how intensive management can reduce capital occupation to increase the capital adequacy ratio is an important part of the commercial banks that must be studied.展开更多
In order to address the plight of rural financing, the 2007 China Banking Regulatory Commission, China＇s State Council started rural banks in provinces, towns and villages. There are so many problems faced by rural b...In order to address the plight of rural financing, the 2007 China Banking Regulatory Commission, China＇s State Council started rural banks in provinces, towns and villages. There are so many problems faced by rural banks. The most pressing issue is the sustainability of targeting deviate due to restraints, shortage of funds, and loan risks. In order to effectively address these issues, this paper presents some solutions展开更多
This paper presents a comparative qualitative analysis of reputational crisis of four European banks, and explores how in recent years these companies have faced the manifestation of reputational risk. To achieve this...This paper presents a comparative qualitative analysis of reputational crisis of four European banks, and explores how in recent years these companies have faced the manifestation of reputational risk. To achieve this, the research follows three related steps： （1） to carry out a review of the literature on reputational risk in the banking sector aimed to identify the relationships between causes, effects, stakeholders, and key qualitative-quantitative variables involved during the reputational crisis of a bank; （2） to propose a conceptual framework for management of reputational risk （and reputational crisis） in banking; （3） to test this framework with the results of an empirical analysis, carried out through the observation of key variables of some reputational crisis of intemational banks. The main results show that： （1） the banks are not yet prepared to accurately manage a reputational crisis or to prevent them; （2） the reputational crisis is determined by several internal and external factors; （3） the conduct of the managers and the corporate communication are very important to overcome a reputational crisis. Finally, this research provides indications that will help banks to better manage their corporate reputation and prevent reputational crisis.展开更多
Nowadays,the world belongs to the era of the economy full of information. The development of human resources in the entel-prise also shows the increasingly important. At present, commercial banks are not only to recru...Nowadays,the world belongs to the era of the economy full of information. The development of human resources in the entel-prise also shows the increasingly important. At present, commercial banks are not only to recruitment, introduction of outstanding professionals to enrich their team, but also the more important is potental of the existing management and staff training. Therefore, staff training and development will highlight out from the commercial bank management, which can make sure that a business adapt to the environment, realizing the fundamental value and the main enterprises for sustainable development.展开更多
The＂basic law＂for Asian Infrastructure Investment Bank（AIIB）—the AIIB agreement—was signed in Beijing on June 29,with financial ministers and authorized representatives from57 founding member states attending th...The＂basic law＂for Asian Infrastructure Investment Bank（AIIB）—the AIIB agreement—was signed in Beijing on June 29,with financial ministers and authorized representatives from57 founding member states attending the signing ceremony,marking a significant progress toward the bank’s formal launch and operation.展开更多
文摘After reviewing the bad news and corruptions of the higher executives in commercial banks recent years, the article first analyzes the characteristics of all these things, and use game theory to analyzes the actions between the higher executives and administrative sections and further construes with cost and benefit utility model, and finally put up some countermeasures.
文摘Downsizing as a systematic reduction of employees is frequently utilized in order to increase productivity, efficiency, profitability, and competitiveness of firms. As a strategy of choice for many firms around the world, downsizing produces far-reaching financial, organizational, and social consequences. Despite the large body of literature, there is inconclusive evidence as to whether downsizing is effective and whether it generates the widely anticipated financial benefits. An in-depth review of the literature suggests that most downsized organizations have failed to yield economic benefits. This case study examined whether Portugal＇s eight largest banks realized their financial objectives upon the execution of downsizing activities during their recent 2008-2010 endeavors. Financial performance was measured through employee efficiency, profitability, and asset quality. Six hypotheses were defined using six different financial ratios which were deemed as integral tools for measuring financial performance of deposit-accepting banks. The secondary data were analyzed within a defined framework of two distinct phases： pre- and post-downsizing phases. A key statistical tool, the paired sample t-test, was applied to determine whether there were statistically significant differences in the ratios between the two timeframes. The analysis demonstrated that there were statistically significant differences between the pre- and post-downsizing ratios of loans per employee and deposits per employee. In contrast, no statistically significant difference was found in return on assets （ROA）, return on equity （ROE）, loans to assets, and non-performing loans to loans ratios. On the basis of this analysis, the study has concluded that downsized large Portuguese banks have largely failed to achieve their projected financial objectives.
文摘Since China＇ s accession to WTO, opening up has intensified China＇ s ties with the international financial markets, financial markets have become increasingly frequent. However, with respect to foreign banks, capital management of commercial banks is only just beginning. Especially after the proposed Basel, how to adjust the capital assets of commercial banks is to enable them to comply with Basel II requirements, ensuring stability and development of the banking sector is the China Banking Regulatory Commission and the commercial banks. So, how intensive management can reduce capital occupation to increase the capital adequacy ratio is an important part of the commercial banks that must be studied.
文摘In order to address the plight of rural financing, the 2007 China Banking Regulatory Commission, China＇s State Council started rural banks in provinces, towns and villages. There are so many problems faced by rural banks. The most pressing issue is the sustainability of targeting deviate due to restraints, shortage of funds, and loan risks. In order to effectively address these issues, this paper presents some solutions
文摘This paper presents a comparative qualitative analysis of reputational crisis of four European banks, and explores how in recent years these companies have faced the manifestation of reputational risk. To achieve this, the research follows three related steps： （1） to carry out a review of the literature on reputational risk in the banking sector aimed to identify the relationships between causes, effects, stakeholders, and key qualitative-quantitative variables involved during the reputational crisis of a bank; （2） to propose a conceptual framework for management of reputational risk （and reputational crisis） in banking; （3） to test this framework with the results of an empirical analysis, carried out through the observation of key variables of some reputational crisis of intemational banks. The main results show that： （1） the banks are not yet prepared to accurately manage a reputational crisis or to prevent them; （2） the reputational crisis is determined by several internal and external factors; （3） the conduct of the managers and the corporate communication are very important to overcome a reputational crisis. Finally, this research provides indications that will help banks to better manage their corporate reputation and prevent reputational crisis.
文摘Nowadays,the world belongs to the era of the economy full of information. The development of human resources in the entel-prise also shows the increasingly important. At present, commercial banks are not only to recruitment, introduction of outstanding professionals to enrich their team, but also the more important is potental of the existing management and staff training. Therefore, staff training and development will highlight out from the commercial bank management, which can make sure that a business adapt to the environment, realizing the fundamental value and the main enterprises for sustainable development.
文摘The＂basic law＂for Asian Infrastructure Investment Bank（AIIB）—the AIIB agreement—was signed in Beijing on June 29,with financial ministers and authorized representatives from57 founding member states attending the signing ceremony,marking a significant progress toward the bank’s formal launch and operation.
