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Dissertations / Theses on the topic 'Banking control'
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Owadally, Muhammad Iqbal. "The dynamics and control of pension funding." Thesis, City University London, 1998. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.287665.
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Pawley, Michael Andrew. "The efficiency of monetary control and building society developments." Thesis, Sheffield Hallam University, 1991. http://shura.shu.ac.uk/20213/.
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An analysis is made of the major factors determining financial innovation and financial change by building societies and banks, and the particular innovations introduced are examined. The effects of these institutional developments upon the growth rates of the broad monetary aggregates relative to nominal income are analysed. Specific attention is paid to the personal sector's motives for holding money and particularly the willingness to hold interest-bearing money balances at building societies and banks. Special consideration is placed upon the abolition of the building societies' cartel, the removal of portfolio monetary controls on the retail banks and the entry of thebanks into the mortgage market. The effects of the abolition of the cartel on the effectiveness of monetary control are divided into finite stock effects and more continuing effects. The stock effects of credit liberalization upon the growth of the broad monetary aggregates and the confusion caused as to the interpretation of monetary conditions are analysed, and aneconometric evaluation of the stock effects of credit liberalization on the personal sector's level of debt is carried out. In terms of more continuing effects it is hypothesized that the abolition of the cartel will have reduced the interest elasticity of the demand for money, but increased the interest elasticity of consumers' expenditure. These hypotheses are evaluated using standard error-correction models and co-integrating models of the demand for money and consumers' expenditure.
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Wei, Mengyang. "Study of the banking system's stability using control theory." Thesis, University of Kent, 2017. https://kar.kent.ac.uk/61734/.
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The 2007-2009 financial meltdown reflected the failure of the regulators to address financial fragility and it has clearly showed that regulating banks on an individual basis was an ineffective approach to prevent financial crises. Before the crisis, financial regulation was primarily focused on managing the risk of individual banks by requiring them to keep sufficient reserves to safeguard themselves from the inherent risk of their own investments. Since they ignored the risks that are generated by links between the banks, i.e. interbank borrowing and lending, a failure in a small number of banks could spread to other banks, and cause the paralysis of the whole banking system. Therefore, there is the need to give special emphasis to systemic risk, rather than consider the risk at an individual level. From an academic research point of view, the 2007-2009 financial crisis renewed the interest in finding new ways of studying financial systems. More specifically, since then new modelling frameworks have been proposed that incorporate the interconnected nature of the banking system. Network models have been used to investigate the stability of the banking system under different conditions, e.g. different banks' size and connectivity. This thesis proposes a new dynamic network model based on ordinary differential equations, which represents the banking system and seeks to interface the network model approach with control engineering. Control theory is an interdisciplinary branch of engineering, which is used to study the behaviour of dynamical systems, and how their behaviour can be modified by feedback mechanisms to achieve a desirable performance. In this work control theory is applied for the first time to analyse a model of the banking system and to propose feedback mechanisms, which preserve the stability of the system and that can ultimately inform financial regulators.
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Kwaa-Aidoo, Ephrem K. "Culturally aligned security in banking. A system for rural banking in Ghana." Thesis, University of Bradford, 2010. http://hdl.handle.net/10454/4433.
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This thesis is an investigation into the unique rural banking system in Ghana and the role of information systems in fraud control. It presents a robust information security and internal control model to deal with fraud for the banking system. The rural banking industry has been noted for poor internal control leading to fraud. This has resulted in poor performance and even the collapse of some banks. The Focus of the study was on the processes used to deliver banking services.
To design a protection system, a number of rural banks were visited. This was to understand the environment, regulatory regimes and the structure and banking processes of the industry and banks. Systemic vulnerabilities within the industry which could be exploited for fraud were found. The lack of structures like an address system and unreliable identification documents makes it difficult to use conventional identification processes. Also the lack of adequate controls, small staff numbers and the cross organisational nature of some transactions among other cultural issues reduces the ability to implement transaction controls. Twenty fraud scenarios were derived to illustrate the manifestation of these vulnerabilities.
The rural banking integrity model was developed to deal with these observations. This protection model was developed using existing information security models and banking control mechanisms but incorporating the nature of the rural banking industry and culture of its environment. The fraud protection model was tested against the fraud scenarios and was shown to meet the needs of the rural banking industry in dealing with its systemic vulnerabilities. The proposed community-based identification scheme deals with identification weaknesses as an alternative to conventional identity verification mechanisms. The Transaction Authentication Code uses traditional adinkra symbols. Whilst other mechanisms like the Transaction Verification Code design
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internal controls into the banking processes. This deals with various process control weaknesses and avoids human discretion in complying with controls. Object based separation of duties is also introduced as a means of controlling conflicting tasks which could lead to fraud.
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Harahap, Sofyan Syafri. "The Central Bank and commercial bank control relationships in Indonesia : a field based case study /." Title page, contents and abstract only, 1999. http://web4.library.adelaide.edu.au/theses/09PH/09phh254.pdf.
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Kwaa-Aidoo, Ephrem Kwaku. "Culturally aligned security in banking : a system for rural banking in Ghana." Thesis, University of Bradford, 2010. http://hdl.handle.net/10454/4433.
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This thesis is an investigation into the unique rural banking system in Ghana and the role of information systems in fraud control. It presents a robust information security and internal control model to deal with fraud for the banking system. The rural banking industry has been noted for poor internal control leading to fraud. This has resulted in poor performance and even the collapse of some banks. The Focus of the study was on the processes used to deliver banking services. To design a protection system, a number of rural banks were visited. This was to understand the environment, regulatory regimes and the structure and banking processes of the industry and banks. Systemic vulnerabilities within the industry which could be exploited for fraud were found. The lack of structures like an address system and unreliable identification documents makes it difficult to use conventional identification processes. Also the lack of adequate controls, small staff numbers and the cross organisational nature of some transactions among other cultural issues reduces the ability to implement transaction controls. Twenty fraud scenarios were derived to illustrate the manifestation of these vulnerabilities. The rural banking integrity model was developed to deal with these observations. This protection model was developed using existing information security models and banking control mechanisms but incorporating the nature of the rural banking industry and culture of its environment. The fraud protection model was tested against the fraud scenarios and was shown to meet the needs of the rural banking industry in dealing with its systemic vulnerabilities. The proposed community-based identification scheme deals with identification weaknesses as an alternative to conventional identity verification mechanisms. The Transaction Authentication Code uses traditional adinkra symbols. Whilst other mechanisms like the Transaction Verification Code design v internal controls into the banking processes. This deals with various process control weaknesses and avoids human discretion in complying with controls. Object based separation of duties is also introduced as a means of controlling conflicting tasks which could lead to fraud.
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Uche, Chibuike Ugochukwu. "Banking developments in pre-independence Nigeria : a study in regulation, control and politics." Thesis, London School of Economics and Political Science (University of London), 1997. http://etheses.lse.ac.uk/1470/.
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This research is exploratory and is intended to help us understand the diverse interests and forces that helped shape various developments in the Nigerian banking industry, during the pre-independence era. The study investigates the activities of colonial banks in British Nigeria. Emphasis is placed on the dealings between these colonial banks and the Africans and the claim, by the Africans, that these foreign institutions were unhelpful to them. The motives and activities of the indigenous banks, subsequently established by the Africans, are also examined. Furthermore, the study investigates the different modes of bank regulation while Nigeria was a British Colony, studying the extent to which bank regulation in Nigeria has been influenced by that in other countries, and examining the complex role of banking sector regulation in a developing economy where banks have often been used overtly as instruments of political policy. Special emphasis is placed on the forces that helped shape the law and enforcement of banking regulation and the structure of the emergent regulatory institution. This research makes a contribution in a number of areas: (1) to our understanding of how banking regulation operates in a highly politicised environment (2) to our knowledge of the diffusion of banking practices and ideas and the significance of political control and social contact to the diffusion process and (3) to our appreciation of the forces shaping banking regulation over a long period.
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Vieten, Holger Randolph. "Banking regulation in Britain and Germany compared : capital ratios, external audit and internal control." Thesis, London School of Economics and Political Science (University of London), 1997. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.265846.
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Anya, Adamu Godwin. "Management control systems design under mergers : evidence from the Nigerian banking sector." Thesis, University of Birmingham, 2015. http://etheses.bham.ac.uk//id/eprint/6219/.
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This thesis is based on a case study of the design and use of management control systems (MCS) in a post-merger organisation. The study, which is motivated by the lack of literature on management control systems under mergers and acquisitions, is based on a Nigerian bank that has gone through a merger under the Central Bank of Nigeria’s (CBN) directives to consolidate the banking sector. Data for the analysis was gathered from two sources. Firstly, semi-structured interviews were conducted with managers at various levels of the bank. Secondly, various internal and external documents were examined to corroborate the findings from the interviews. Theoretically speaking, the study drew on different strands of institutional theory to provide an understanding and interpretation of the results. First, new institutional sociology (NIS) provided an explanation of the impacts of external institutions on the merger as well as the design and use of post-merger controls. Old institutional economics (OIE) and power framework were also drawn on to explain the impact of internal institutions and power relations on the merger and the design and use of post-merger controls. The study found evidence of how various coercive, mimetic, and normative isomorphic forces as well as intra-organisational power relations contributed to the institutionalisation of controls as rules and routines in the post-merger organisation. The study contributes to knowledge by extending our understanding of the management controls literature on mergers and acquisitions.
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McConchie, Douglas R. "Patterns of strategic control : an investigation of British, French and German retail banking practice." Thesis, Loughborough University, 1998. https://dspace.lboro.ac.uk/2134/32249.
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This study provides detailed evidence as to the current state of strategic control in European retail banking. In so doing, it also provides an unique insight into the rigour of the strategic management of the banks investigated.
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Dos, Santos Paulo Leonardo. "Foreign Capital and Familial Control in Philippine Banking : essays on method, accommodation and competition." Thesis, SOAS, University of London, 2007. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.487756.
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This dissertation examines the relationship between the familial and relational bases of the Philippine banking system and the series of liberalisation initiatives pursued since 1972. It shows that the relaxation of restrictions on the operations of foreign banks since 1995, while changing important aspects of the functioning of Philippine banking, has strengthened the system's familial basis and the dependence of top banks on relational practices. Through the use of a triangulation of econometric, questionnaire and qualitative methods, it is shown that foreign competition has forced domestic universal banks to narrow spreads and undertake non-price measures aimed at their extensive margins. Competitive pressures exerted by foreign banks have also led to an increase in the concentration of familial control of the system, and an increased reliance by top Chinese-Filipino banks on relational business. These competitive responses suggest the interactions of the familial and relational bases of Philippine banking with foreign capital are complex, requiring a broad-based framework for their analysis. For that purpose this dissertation develops a historically rooted framework for analysis of the social relations defined by Philippine banking. This is accomplished through a critical discussion of subjectivist and Marxian theoretical approaches to the nature and evolution of banking-credit relations and their relationship to capitalist accumulation. Approaches founded on individualism are found to be too narrow, particularly for analysis of combined social formations p laying a role inc redit relations. Neoclassical information-theoretic approaches are shown to provide little beyond a logical reconciliation between banking and methodological individualism, 6ffering few insights on either banking relations or knowledge flows. Neo-Austrian approaches offer insights into knowledge flows in banking relations, but are shown to be analytically limited by their exclusively subjectivist understanding of such flows. The framework adopted here is founded on Marxian political economy and is based on analysis of flows of loanable money, the difficulties posed in securing particular avenues for money's general ability to self-expand, and of the social relations developing and mediating these processes. The framework can explicate the importance of broader social relations and practices in banking, suggesting that analysis ofthe Philippine banking system and its familial form requires understanding their historical, social and cultural origins in the development of the Philippine political economy. Based on such analysis, this dissertation rejects the common interpretation of the recent strengthening of the familial and relational bases of Philippine banking as a result of incomplete or corrupted implementation ofreform initiatives. This phenomenon is understood as the most recent embodiment of the broad pattern of accommodation between foreign capital and top domestic elite families that has characterised the development of the Philippine economy and banking system. This accommodation, inexplicable on individualist terms, is likely to bear on the long-term outcomes of foreign entry and shape the future development ofthe Philippine banking system.
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Поправка, О. Г. "Трактування понять у банківському нагляді." Thesis, Українська академія банківської справи Національного банку України, 2010. http://essuir.sumdu.edu.ua/handle/123456789/62624.
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Оскільки банки є найважливішим елементом фінансової
інфраструктури сучасного суспільства, забезпечення їх стабільного
функціонування вимагає постійного нагляду та контролю.
Зважаючи на постійні зміни у законодавстві та поступове
впровадження в Україні європейських стандартів банківського
нагляду, набуває актуальності питання визначення понять
“банківський нагляд” “банківське регулювання” та “банківський
контроль”. Адже навіть в українському законодавстві зустрічаються
різні трактування даних понять, наприклад, у ст. 1 Закону України
“Про Національний банк України” банківське регулювання
визначається як одна із функцій Національного банку України, яка
полягає у створенні системи норм, що регулюють діяльність банків,
визначають загальні принципи банківської діяльності, порядок
здійснення банківського нагляду, відповідальність за порушення
банківського законодавства.
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Agbonkpolor, T. A. "Banking in a developing economy : Issues in corporate control, regulation and financial stability in Nigeria." Thesis, Queen's University Belfast, 2010. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.516944.
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Kaibe, Bosiu C. "Modelling of asset allocation in banking using the mean-variance approach." Thesis, University of the Western Cape, 2012. http://hdl.handle.net/11394/4051.
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>Magister Scientiae - MScBank asset management mainly involves profit maximization through invest- ment in loans giving high returns on loans, investment in securities for reducing risk and providing liquidity needs. In particular, commercial banks grant loans to creditors who pay high interest rates and are not likely to default on their loans. Furthermore, the banks purchase securities with high returns and low risk. In addition, the banks attempt to lower risk by diversifying their asset portfolio. The main categories of assets held by banks are loans, treasuries (bonds issued by the national treasury), reserves and intangible assets. In this mini-thesis, we solve an optimal asset allocation problem in banking under the mean-variance frame work. The dynamics of the different assets are modelled as geometric Brownian motions, and our optimization problem is of the mean- variance type. We assume the Basel II regulations on banking supervision. In this contribution, the bank funds are invested into loans and treasuries with the main objective being to obtain an optimal return on the bank asset port- folio given a certain risk level. There are two main approaches to portfolio optimization, which are the so called martingale method and Hamilton Jacobi Bellman method. We shall follow the latter. As is common in portfolio op- timization problems, we obtain an explicit solution for the value function in the Hamilton Jacobi Bellman equation. Our approach to the portfolio prob- lem is similar to the presentation in the paper [Hojgaard, B., Vigna, E., 2007. Mean-variance portfolio selection and efficient frontier for defined contribution pension schemes. ISSN 1399-2503. On-line version ISSN 1601-7811]. We pro- vide much more detail and we make the application to banking. We illustrate our findings by way of numerical simulations.
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Mulligan, Erin M. "Evaluating the Social Control of Banking Crimes: An Examination of Anti-Money Laundering Deficiencies and Industry Success." Scholar Commons, 2015. http://scholarcommons.usf.edu/etd/5747.
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Money laundering is a serious crime with potentially wide ranging consequences that have numerous implications for criminological research. However, criminology rarely explores this crime, nor its potential impact on other more central crimes of interest (e.g. drug trafficking or organized crime). The present study adds to a limited body of literature examining money laundering from a criminological perspective, evaluating aspects of its regulation and social control within the banking industry. Several aspects of regulatory oversight and company dynamics such as fine/settlement size, company size, and the likelihood of non-AML/OFAC violations to predict future AML/OFAC violations were evaluated. These analyses largely supported that banking crimes, and more specifically AML violations, follow the same patterns observed within previous corporate crime research. However, the primary focus of this research was to evaluate the effectiveness of industry success rankings as a form of social control as it pertains to AML violations and to determine whether or not banks that ranked well on industry rankings were also less likely to have banking violations. A variety of rankings including safety, asset-based, and overall performance measures were used to assess their relationship to bank violations, with analyses supporting that these banking industry success markers held little relationship to or acknowledgment of a firm’s previous AML/OFAC violations. Implications are discussed at length including the importance of and numerous directions for future criminological research on money laundering violation within the banking industry, suggested regulatory reforms, and the need for a wider variety and more tailored industry success measures to affect some level of social control.
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Tshitenge, Mbali Paulinah. "Mobile banking and the financial services needs of the poor : an adoption framework." Diss., University of Pretoria, 2012. http://hdl.handle.net/2263/27166.
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“Over the past ten years, ITCs have become an important element in sustaining economic growth and poverty reduction through increasing efficiencies, enabling the delivery of social services, or creating new sources of income and employment” (Fourati, 2009, p. 37) . m-banking is one such technological development that has a potential to increase economic participation by low-income consumers. This research examines the factors influencing the adoption of mobile banking by low-income consumers in South Africa, with a special focus on the banking needs of the poor. The research framework was adapted from Tan and Teo (2000) and assessed the impact of these nine variables on the intention to adopt m-banking: relative advantage, compatibility with values, compatibility with banking needs, compatibility with cell phone use experience, complexity, “trialibility”, risk, self-efficacy and support. Data for this study was collected through a physical hardcopy survey in Soweto, in Gauteng.The research found that low-income consumers will consider adopting m-banking as long as it is offers them an improved way over the current mechanisms of managing their money, it is compatible with their financial services needs and they consider themselves as having the necessary skills to use it.Dissertation (MBA)--University of Pretoria, 2012.
Gordon Institute of Business Science (GIBS)
unrestricted
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Kolar, Marek. "Three empirical essays in financial economics and international finance." Diss., Connect to online resource - MSU authorized users, 2008.
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Häger, Sandra, and Emma Falk. "Hur kan Sustainability Management Control Systems användas för att integrera hållbar utveckling inom banksektorn?" Thesis, Linköpings universitet, Företagsekonomi, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-138824.
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Hållbar utveckling är ett aktuellt ämne i dagens samhälle och det ställs allt högre krav på att företag ska ta sitt ansvar för att bidra till en hållbar utveckling. Bankerna är de aktörer som kan styra hur kapital ska investeras och har därmed stor makt och mycket att vinna på att främja en hållbar utveckling i samhället. De globala affärsmöjligheterna som marknaden för hållbar utveckling utgör uppskattas att år 2050 uppgå till omkring tre biljoner dollar per år. Banking on shared value (BSV), som är en vidareutveckling av creating shared value, innebär att banker kan generera ekonomiskt värde på ett sätt som samtidigt skapar socialt och miljömässigt värde. Av en granskning som har utförts av Fair Finance Guide framgår det att de sju största bankerna i Sverige får relativt låga hållbarhetsbetyg. Många forskare menar att sustainability management control systems (SMCS), vilket är en en utvecklad modell av Malmi och Browns teori om MCS kan vara nyckeln till att lyckas integrera hållbar utveckling i verksamheten. Det efterfrågas dock fler praktikfall inom området. Syftet med denna studie är att bidra till en ökad förståelse för hur företagsledningen inom banksektorn kan använda SMCS för att integrera hållbar utveckling i sin verksamhet En fallstudie har genomförts av Ekobanken som är den enda svenska bank som är medlem i Global Alliance for Banking on Values och som har fått högst betyg av samtliga banker i Fair Finance Guides granskning. Det empiriska materialet har samlats in med hjälp av intervjuer med två personer inom Ekobankens ledning samt från dokumentstudier. Studien har en abduktiv ansats. Vi har identifierat Ekobankens mest framträdande styrningsverktyg som kulturell styrning som har ett starkt fokus på hållbar utveckling, administrativ styrning och cybernetiska styrningsverktyg. Ekobanken har enligt oss ett väl fungerande SMCS som lyckas med att integrera hållbar utveckling i verksamheten. Vi anser dock inte att Ekobankens arbete med hållbar utveckling kan definieras som BSV fullt ut men att de är den bank i Sverige som i nuläget kommer närmast att uppfylla kraven för BSV. Vi menar därmed att studiens resultat med fördel kan verka inspirerande för andra banker. Det är framförallt Ekobankens transparens, öppna klimat, ledningens engagemang samt deras hållbarhetsredovisning och utlåningspolicy som andra banker, som jobbar mot hållbar utveckling, enligt vår mening bör ta fasta på.Sustainable development is a topical subject in today's society and there is an increasing demand for companies to take responsibility by contributing to sustainable development. The banks control how capital is invested, thus giving them great power to and a lot to gain from promoting sustainable development in society. The business opportunities from the market for sustainable development is estimated to provide a value of three trillion dollars annually by 2050. Banking on shared value (BSV), which is a further development of creating shared value, means that banks can generate economic value and at the same time create social and environmental value. A review conducted by Fair Finance Guide shows that the seven largest banks in Sweden are performing relatively low results in terms of sustainability. Many researchers argue that sustainability management control systems (SMCS), which is a developed model of Malmi and Brown's theory about MCS, can be the key to successfully integrating sustainable development into the business. However, more practical cases are required in the area. This study aims at contributing to an increased understanding of how corporate governance in the banking sector can use SMCS to integrate sustainable development into the business. A case study has been carried out on Ekobanken, which is the only Swedish bank that is a member of Global Alliance for Banking on Values and has been awarded the highest rating in the Fair Finance Guide´s review. The empirical material has been collected by means of semi-structured interviews with two persons within Ekobanken´s management team as well as documentary studies. The study has an abductive approach. We have identified Ekobanken's most prominent management tools as cultural governance with a strong focus on sustainable development, administrative governance and cybernetic management tools. In our opinion Ekobanken has a successful SMCS that manage to integrating sustainable development into the business. However, Ekobanken's work with sustainable development can, in our opinion, not be fully defined as BSV, but we believe that they are the bank in Sweden that is currently closest to meeting the requirements for BSV. Therefore we mean that the results of this study can be of inspiration for other banks. It is primarily Ekobanken's transparency, open climate, management's commitment, and their sustainability report and lending policy that other banks working towards sustainable development should strive to apply.
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Amoah-Mensah, Aborampah. "Customer satisfaction in the banking industry: a comparative study of Ghana and Spain." Doctoral thesis, Universitat de Girona, 2011. http://hdl.handle.net/10803/22657.
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La satisfacció és una preocupació crucial pels clients i per les organitzacions, incloent els bancs. L'estudi examina la satisfacció global dels clients dels bancs a Ghana i Espanya. Així s'analitzen aspectes com la relació entre satisfacció global i les dimensions de qualitat dels serveis bancari, així com les pròpies dimensions principals de la qualitat d'aquests serveis. Finalment, les percepcions sobre aquestes dimensions son comparades entre els bancs de Ghana i Espanya. S'han analitzat els clients de 819 bancs de Ghana i Espanya, els resultats van mostrar que els clients espanyols estaven més descontents respecte les dimensions tangibles i empatia metre que els clients de Ghana puntuaven pitjar la dimensió conveniència. En general, els clients de Ghana estaven força més descontents amb els serveis bancaris que els d'Espanya. La fiabilitat, l'empatia i la conveniència son els predictors de satisfacció global en Ghana, mentres que la fiabilitat és la única dimensió que explica la satisfacció global a Espanya.Satisfaction is a crucial concern for both customers and organisations including banks. The study examines the overall satisfaction of banks’ customers in Ghana and Spain. It also looks at the relationship between overall satisfaction and the quality dimensions of banks’ services in Ghana and Spain. It investigates the main quality dimensions of banks’ services in Ghana and Spain. Finally, the perceptions of Ghana and Spain about the quality dimensions of banks’ services are compared. By analysing 819 banks’ customers in both Ghana and Spain, the results showed that Spain was more dissatisfied with the tangibles and the empathy dimensions than Ghana. In contrast, Ghana was more dissatisfied with the convenience dimension than Spain. In general, customers from Ghana were more dissatisfied with banks’ services than those from Spain. Also whilst reliability, empathy and convenience were the predictors of overall satisfaction in Ghana, only reliability explained overall satisfaction in Spain.
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Crawford, Jason. "Regulation's Influence on Risk Management and Management Control Systems in Banks." Doctoral thesis, Uppsala universitet, Företagsekonomiska institutionen, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-332037.
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This dissertation explores regulation’s influence on risk management and management control systems (MCS) in banks. The dissertation comprises of an introductory chapter, two published book chapters, one of which is an extensive literature review, and two working papers, presented at several European conferences. The overall objective of this dissertation is to explore how banks are responding to banking regulation in light of the 2007-08 financial crisis and what the implications of those responses are, particularly in relation to risk management and MCS, and their interactions. The overall research question is therefore: what influence does regulation have on risk management and management control systems in banks over time? The intended ambition is to contribute to existing knowledge on the relationship between bank regulation, risk management, and MCS by providing several practical and theoretical contributions. The dissertation employs an adapted theoretical framework and uses institutional theory and contingency theory to expose tensions between, the demands for uniformity residing in banking regulation, and the demands for uniqueness residing inside banks themselves as they seek to maintain control over the design and use of their organizational controls. The empirical material used in the longitudinal case study is gathered from a large European bank. The main findings of the dissertation are as follows. In Paper I, the findings show that banking regulation’s influence on risk management and management control is mixed, which in turn can influence risk management’s integration with MCS. The paper also finds that very little knowledge exists about regulation’s influence on risk management and MCS. In Paper II, the findings show that while regulatory influence in IT control has increased over time, banks continue to exercise significant influence over regulatory demands. In Paper III, the findings show how regulation’s influence varies considerably over time and that increased regulatory pressure can lead to a higher degree of integration between risk management and MCS across the three dimensions of integration. In Paper IV, the findings show how regulation’s influence is shaping the mental processes of management and employees, and can vary significantly based on several identified factors.
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Chan, Shiu Fai. "The impact of perceived interactivity, control and involvement on bank satisfaction and loyalty : an integrated eService model for eBanking." Thesis, University of Bradford, 2011. http://hdl.handle.net/10454/5365.
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Control and involvement are well researched concepts in traditional marketing, while interactivity is a relatively new concept associated with Internet marketing and communication. From an Internet interaction perspective, the research examines the impact of interactivity, control and involvement on customer satisfaction and loyalty in an eBanking context. Using Flow Theory as the theoretical foundation, it is proposed that these three Internet communication constructs lead to eService dependency and eService encounter satisfaction, which, in turn, enhance the overall satisfaction and loyalty to the principal bank at corporate level. A mixed methodology using both qualitative and quantitative approaches of data collection is adopted. In-depth interviews with eBankers and focus group studies with eBanking customers support the importance of interactivity, control and involvement in the eService encounter. The in-depth interviews and focus groups facilitate the identification of eService dependency as a new construct in the model. Participants' views also help the operationalisation of constructs and development of questionnaire for quantitative data collection. ii Analysis of the quantitative data using structural equation modelling shows support for all three constructs' hypothesised positive relationships with eService dependency and eService encounter satisfaction i.e. satisfaction at the service encounter level. It is also confirmed that eService dependency and eService encounter satisfaction have a positive impact on overall satisfaction with the principal bank i.e. satisfaction at corporate level. However, the influence of eService dependency and eService encounter satisfaction on loyalty to principal bank is not supported. The research concludes with the theoretical contributions and managerial implications of the research. Strategies to enhance interactivity with, control of and involvement by eBanking customers are recommended to eBankers. Limitations of the research and directions for future research in Internet and eService are also suggested.
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Gideon, Frednard. "Optimal provisioning for deposit withdrawals and loan losses in the banking industry / F. Gideon." Thesis, North-West University, 2008. http://hdl.handle.net/10394/3714.
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With the acceptance of the new Basel II banking regulation (implemented in South Africa in January 2008) the search for improved ways of modeling the most important banking activities has become very topical. Since the notion of Levy-process was introduced, it has emerged as an important tool for modeling economic variables in a Basel II framework. In this study, we investigate the stochastic dynamics of banking items that are driven by such processes. In particular, we discuss bank provisioning for loan losses and deposit withdrawals.
The first type of provisioning is related to the earnings that the bank sets aside in order to cover loan defaults. In this case, we apply principles from robustness to a situation where the decision maker is a bank owner and the decision rule determines the optimal provisioning strategy for loan losses. In this regard, we formulate a dynamic banking loan loss model involving a provisioning portfolio consisting of provisions for expected losses and loan loss reserves for unexpected losses. Here, unexpected loan losses and provisioning for expected losses are modeled via a compound Poisson process and an exponential Levy process, respectively. We use historical evidence from OECD (Organization for Economic Corporation and Development) countries to support the fact that the provisions for loan losses-to-total assets ratio is negatively correlated with aggregate asset prices and the private credit-to-GDP ratio.
Secondly, we construct models for provisioning for deposit withdrawals. In particular, we build stochastic dynamic models which enable us to analyze the interplay between deposit withdrawals and the provisioning for these withdrawals via Treasuries and reserves. Further insight is gained by considering a numerical problem and a simulation of the trajectory of the stochastic dynamics of the sum of the Treasuries and reserves. Since managing the risk that depositors will exercise their withdrawal option is an important aspect of this thesis, we consider the idea of a hedging provisioning strategy for deposit withdrawals in an incomplete market setting. In this spirit, we discuss an optimal risk management problem for a commercial bank whose main activity is to obtain funds through deposits from the public and use the Treasuries and reserves to cater for the resulting withdrawals. Finally, we provide a brief analysis of some of the issues arising from the dynamic models of the banking items derived.Thesis (Ph.D. (Computer, Statistical and Mathematical Sciences))--North-West University, Potchefstroom Campus, 2008.
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Alanezi, Faisal. "Perceptions of online fraud and the impact on the countermeasures for the control of online fraud in Saudi Arabian financial institutions." Thesis, Brunel University, 2016. http://bura.brunel.ac.uk/handle/2438/12003.
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This study addresses the impact of countermeasures in the control and prevention of online fraud in Saudi Arabia and the influence of the environmental context. Combatting online fraud is facilitated when the public is fully educated and is aware of its types and of the prevention methods available. People are reliant on the Internet; the possibility of being breached by hackers and fraudsters is growing, especially as socialising, online shopping and banking are carried out through personal computers or mobile devices. Online fraud has been described as an epidemic that has spread to most online activities. Its prevalence has been noted to be in regions where there is high adoption of e-commerce, and, along with it, large online financial transactions. The argument is therefore the measures taken are either are inadequate or have failed to effectively address all the issues because of the organisational and environmental context of the country. This research aims to examine online fraud perceptions and the countermeasures designed and used by financial institutions in Saudi Arabia to control and prevent online fraud in its environmental context, to examine the effectiveness/impact of the countermeasures and to examine the factors that may affect/influence the impact of the countermeasures. The qualitative method approach was chosen to ensure balanced coverage of the subject matter. The nature of the research requires a broader, in-depth, examination of the experiences of the participants from their own perspective. Meanwhile levels of awareness are low, because of lack of knowledge and training, a lack of government sensitisation and the religious inclinations of the population. The findings also confirm the efforts of organisations to put in place countermeasures using various technological means, coupled with procedural controls and checks. The measures create obstacles to most customers, who find it cumbersome to engage in online activities because of those procedures and checks. The findings also show two types of regulations: government and organisational rules, with different foci and purposes, which are mostly centred on the monitoring of Internet operations and operational guidelines. The enforcement of rules in the light of prosecuting offenders has also been minimal and passive. The countermeasures of most banks/organisations mostly focus on prevention and detection. However, the findings suggest that the activities in each component and their interrelationships have a collective impact on combatting online fraud. The success of any effort or approach to combat fraudulent activities therefore depends on the activities of the four countermeasure components.
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Wang, Bo Sen. "Statistical process control of process dispersion when parameters are unknown." Thesis, University of Macau, 2007. http://umaclib3.umac.mo/record=b1872930.
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Rootman, Chantal. "The influence of customer relationship management on the service quality of banks." Thesis, Nelson Mandela Metropolitan University, 2006. http://hdl.handle.net/10948/400.
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Despite the extensive research undertaken in the subject area of services marketing, much is still unknown to service providers of specific services in terms of service delivery concepts. This study attempts to address this limitation. The study revolves around the customer relationship management and service quality of banks. Service firms, including banks, are vitally important to the economy of any country, as they contribute to its Gross Domestic Product (GDP) and employment rate. However, to survive in a complex, competitive business environment, service firms are required to focus on their clients’ needs. Specifically, banks can focus on their relationships with clients and levels of service quality. In order to establish the influence of selected variables on the customer relationship management (CRM) of banks and the influence of CRM on the service quality of banks, an empirical investigation was conducted. The aim of this study was to quantify significant relationships among selected variables; therefore the positivistic research paradigm was used. The sample consisted of banking clients in the Nelson Mandela Metropolitan area. The sample size was 290, with a response rate of 91.03%. The empirical investigation revealed that significant positive relationships exist between both the knowledgeability, and attitude, of bank employees and a bank’s CRM. These relationships imply that more extensive knowledgeability of bank employees and bank employees with more positive attitudes lead to improved, maintained relationships between a bank and its clients. In addition, the empirical investigation revealed that CRM positively influences the service quality of banks. This relationship implies that if a bank successfully maintains relationships with its clients, the bank’s level of perceived service quality would increase. Additionally, the empirical investigation has shown the relationship between a banking client’s age and the CRM of a bank. The higher the age of a banking client, the more that client considers the CRM of a bank to be important. There exists a relationship between a banking client’s education level and the perceived service quality of a bank. If a banking clients’ education level increases, the importance of their bank’s service quality decreases and, conversely, a banking client with a lower level of education regards the service quality level of a bank as more important than higher qualified clients. The study indicated that strategies to improve, specifically, the knowledgeability and attitude of bank employees can and should be implemented by banks in ways to positively influence their CRM and ultimately their service quality. In effect, this will increase client satisfaction and ensure client loyalty to the bank. Ultimately, this will contribute to the bank’s success, which will ensure economic stability and prosperity for a country.
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Nasser, Yassar. "The influence of the banking sector on central bank independence and inflation control : the case of Lebanon between 1985 and 1991." Thesis, Cranfield University, 2008. http://dspace.lib.cranfield.ac.uk/handle/1826/8382.
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A substantial amount of prior research has focused on the relation between Central Bank Independence (CBI) and inflation control. However, this research is mainly theoretical or conducted using cross-country statistical regressions and correlations in the developed world. Little attention has been given to understanding this relation in emerging nations or the influence of interest groups on CBI and inflation in a specific context. This thesis addresses both gaps by conducting an in-depth observation and analysis of this relation in a single country (Lebanon) and the influence of the banking sector on both CBI and inflation during a period of high inflation.
This empirical evidence in the case of Lebanon shows that Central Bank Independence from the government – even though abundant and complete – was not enough to control inflation. The influence of the banking sector on both CBI and inflation was more important.
This work makes a contribution to knowledge through highlighting the importance of national contexts when evaluating the CBI-inflation relation. Furthermore, this research extends our understanding of the literature and its gaps, and presents a new way to conduct in-depth studies in the field. Finally, it provides practical insights that are of importance to central bankers, especially in emerging nations.
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Jiang, Jin Xi. "The application of control chart for technical trading in financial market." Thesis, University of Macau, 2009. http://umaclib3.umac.mo/record=b2147576.
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Oliveira, Daniel Diniz. "A homogeneidade da rentabilidade bancária em relação a tamanho, origem de capital e operações de crédito." Universidade de São Paulo, 2008. http://www.teses.usp.br/teses/disponiveis/12/12136/tde-27062008-161605/.
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Nos últimos anos a sociedade brasileira tem criticado os lucros alcançados pelos bancos, por considerá-los excessivamente elevados. Tal situação tem, inclusive, incentivado medidas, por parte do governo federal, para proteger o consumidor em relação às tarifas e aos juros cobrados pelas instituições financeiras. Por sua vez, a sociedade parece enxergar o setor de forma homogênea, sem atentar para as diferenças existentes entre seus integrantes. Este estudo tem o intuito de explicitar eventuais diferenças, relativas à rentabilidade, existentes no setor, de forma a fomentar uma visão mais crítica e menos superficial do segmento bancário, podendo, eventualmente, contribuir na elaboração de políticas para o setor. Para tanto, avaliou-se a uniformidade dos resultados dos bancos em relação a origem de capital, tamanho e nível de operações de crédito, a partir de uma base de dados, que compreendeu o período entre 1996 e 2006. O intervalo de tempo total foi dividido em três partes, de 1996 a 1998, denominado 1º período; de 1999 a 2002, 2º período; e, de 2003 a 2006, 3º período. Com esta divisão é possível identificar alterações nas relações entre as categorias das variáveis de um período para outro, além de averiguar a uniformidade da rentabilidade no decorrer do tempo. A análise de correspondência (ANACOR) e a análise de homogeneidade (HOMALS) foram as técnicas estatísticas empregadas no trabalho. A hipótese geral formulada, de que os bancos apresentam rentabilidade não uniforme quando classificados por tamanho, origem de capital ou NOC, foi rejeitada. Todavia, verificou-se que a rentabilidade bancária só apresenta comportamento uniforme quando contraposta ao tamanho dos bancos, pois, quando contraposta à origem de capital, ao nível de operações de crédito e ao tempo, seu comportamento foi, em geral, não uniforme. A categoria de rentabilidade mais baixa associou-se ao 1º período, enquanto as categorias mais altas associaram-se ao 2º e 3º períodos. Os bancos privados nacionais caracterizaram-se pela associação às categorias de rentabilidade e de nível de operação de crédito mais altos; os bancos públicos apresentaram tendência de melhora de desempenho no decorrer dos períodos, afastando-se, progressivamente, da categoria de rentabilidade mais baixa; enquanto os bancos estrangeiros apresentaram comportamento volátil, associando-se à categoria de rentabilidade média no 1º período, muito alta no 2º, e baixa no 3º período. No último período, os bancos estrangeiros associaram-se à categoria de rentabilidade mais baixa, o que fornece indícios de um desempenho inferior aos bancos públicos, contradizendo a literatura pesquisada sobre o assunto.Nowadays, the brazilian society has criticized banks profits considered excessively high. This situation has motivated government initiatives to protect the consumer from the banking charges and taxes. Besides, the society seems to face the segment in a homogeneous way, without realizing the differences among the banks. This research has the goal to identify differences, in terms of profitability, among the banks, in order to motivate a less superficial approach, and, eventually, contribute for future government initiatives related to this segment. In order to accomplish, the banking profitability homogeneity was assessed relative to the kind of control, size and level of credit operation, using a brazilian banking database between the years of 1996 and 2006. The total period was divided into three parts, namely, respectively, 1st (1996-1998), 2nd (1999-2002) and 3rd (2003-2006) periods, with the intent of identifying changes in the several categories relation from one period to another and to evaluate the homogeneity in profitability within the periods. The correspondence analysis (ANACOR) and the homogeneity analysis (HOMALS) were the statistical techniques applied in this research. The main hypothesis, that the banking profitability is not homogeneous in relation to any one of the three variable chosen, was reject. Although, it was found that the banking profitability is homogeneous just in relation to the banking size, otherwise, in general, has a non-homogeneous behavior when considering the kind of control, level of credit operation, and periods. The lowest profitable category was associated to the 1st period, while the highest profitable categories were associated to the 2nd e 3rd periods. The domestic private banks were associated with the highest profits and level of credit operation categories; the government owner banks apparently enhance their performance during the periods, getting, progressively, further away from the lowest profit category; while the foreign banks showed a volatile performance, associated with the middle profit category in the 1st period, the highest in the 2nd and the lowest in the 3rd period. In the last period, the foreign banks associated to the lowest profit category, which seems to mean a worse performance than government owned banks, this was not found before in the national literature.
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Arnaout, Sacha, and Halim Tina Abdul. "Intern kontroll för motverkan av penningtvätt inom svenska storbanker : nivån på den interna kontrollen." Thesis, Högskolan Kristianstad, Fakulteten för ekonomi, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:hkr:diva-21308.
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I en värld där teknologi möjliggör förflyttning av pengar skyndsamt till varje hörn, blir arbete mot penningtvätt allt viktigare. På en global nivå tvättas stora belopp årligen och i Sverige uppmärksammas penningtvättsskandaler inom banksektorn. Denna studie är utformad för att försöka förstå varför penningtvätt kan förekomma trots intern kontroll i banker. Detta genom att använda Internal Control Maturity Model för att mäta nivån på den befintliga interna kontrollen i storbanker. För att motarbeta penningtvätt har finansinspektionen skapat interna riktlinjer för att svenska banker ska kunna verka lagligt. Dessa riktlinjer har använts som underlag för en kvalitativ undersökning som har gjorts med hjälp av fem respondenter. Studiens resultat visade på att uppfyllelse av finansinspektionens riktlinjer innebär att bankerna håller sig inom lagen men att ändamålet som innebär motverkan av penningtvätt, inte alltid uppnås. Detta på grund av att nivån på bankernas interna kontroll inte alltid är fullt effektiv. Resultatet går dock inte att generalisera på grund av ett för litet urval av banker samt respondenter. Studien kan därför inte användas som underlag för bedömning av hur den interna kontrollen ser ut på andra banker.
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Chow, Chi-yang David, and 周志揚. "Total quality management in Hong Kong bank." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 1998. http://hub.hku.hk/bib/B31268717.
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Hendrych, Filip. "Islandská cesta z krize." Master's thesis, Vysoká škola ekonomická v Praze, 2013. http://www.nusl.cz/ntk/nusl-191874.
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This diploma thesis is focused on measures, which have been adopted in Iceland due to the crisis. The first part of the thesis follows up causes and a course of the Icelandic banking crisis in order to understand the situation which the Icelandic authorities had to respond. Subsequently there are outlined measures which are adopted and in the last part these measures are evaluated. Emphasis is placed on analysing the measures of capital controls, banking sector restructuring and fiscal consolidation. All measures have achieved their objectives and have had significant impact on current recovery. Therefore at the end of the thesis is discussed the possibility of these measures applicability in other countries.
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Klöckner, Oliver. "Buy-outs in Family Businesses changes in corporate governance, instruments of managerial control, and financial practices /." Wiesbaden Gabler, 2009. http://d-nb.info/99270572X/04.
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Bateman, William. "Parliamentary control of public money." Thesis, University of Cambridge, 2018. https://www.repository.cam.ac.uk/handle/1810/286229.
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This dissertation analyses the idea that parliament controls public money in parliamentary constitutional systems of government. That analysis proceeds through an historical and contemporary examination of the way legal practices distribute authority over public money between different institutions of government. The legislative and judicial practices concerning taxation, public expenditure, sovereign borrowing, and the government financing activities of central banks are selected for close attention. The contemporary analysis focuses on the design and operation of those legal practices in the United Kingdom and the Commonwealth of Australia, in the context of the boom-bust-recovery economic conditions experienced between 2005 and 2016. The dissertation's ultimate claims are explanatory: that "parliamentary control" is a poor explanation of the distribution of financial authority in parliamentary systems of government and should be jettisoned in favour of an idea of "parliamentary ratification". An empirically engaged methodology is adopted throughout the dissertation and (historical and contemporary) public sector financial data enrich the legal analysis. The dissertation acknowledges the impact of, but remains agnostic between, different economic and political perspectives on fiscal discipline and public financial administration. The dissertation makes a number of original contributions. It provides a detailed examination of the historical development, legal operation and constitutional significance of annual appropriation legislation, and the legal regimes governing sovereign borrowing and monetary finance. It also analyses the way that law interacts with government behaviour in situations of economic emergencies (focusing on the Bank of England's public financing activities since 2008), and the institutional and doctrinal obstacles facing judicial involvement in disputes concerning public finance (focusing on the Australian judiciary's recent engagements with public expenditure legislation).
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Ibrahim, Muaiad. "Aktuelle Fragen des Bankwesens, speziell der Bankenaufsicht in Deutschland und Syrien im Vergleich." Doctoral thesis, Universitätsbibliothek Chemnitz, 2013. http://nbn-resolving.de/urn:nbn:de:bsz:ch1-qucosa-112567.
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In den vergangenen Jahren wurden in Syrien zahlreiche Gesetze bezüglich Banken und anderer finanzieller Institute verabschiedet. Diese Gesetze haben eine große wirtschaftliche und politische Bedeutung für die syrische Gesellschaft. Im Zuge der Entwicklung Syriens wurden und werden viele Gesetze – sogar das Verfassungsgesetz - geändert, diese Änderungen sind ein geeignetes Thema für Untersuchungen. Andererseits nutzt der Gesetzgeber die Gelegenheit, einige dieser Gesetze an deren internatiuonalen bzw. europäischen Gegenstücken auszurichten. In der vorliegenden Dissertation werden syrische Gesetze – namentlich zur Zulassung privater Banken und über weitere Aspekte der Bankenaufsicht - mit den entsprechenden deutschen Gesetzen verglichen. Der Vergleich beider Rechtsordnungen erscheint trotz des klaren und großen Unterschieds im Hinblick auf Entstehung, Entwicklung usw. beider Länder bzw. Gesellschaften nützlich, um Grundlagen und Grenzen des Voneinander-Lernens zu ermitteln.
Eine Bankenaufsicht, die laufende Überwachung und Missbrauchsbekämpfung im Bankwesen bedeutet, hat zum Ziel, mögliche schädliche Auswirkungen der Bankentätigkeit auf die Finanzmärkten und in der Folge auf die Volkswirtschaft insgesamt zu vermeiden. Dies liegt darin begründet, dass der Bankensektor eine bedeutsame Rolle in jeder Volkswirtschaft spielt; daher können Störungen in diesem Sektor katastrophale Konsequenzen für die Gesamtwirtschaft eines Landes haben. Die Ansteckung anderer Länder ist/war immer in der internationalen Geschichte vorhanden und wird durch zahlreiche Beispiele nachgewiesen. Die jüngste Finanzkrise ist dafür erneut ein gutes Beispiel.
In der zweiten Hälfte des 20. Jahrhunderts wurde unter dem Druck der Notwendigkeit einer weitgehenden Harmonisierung und einer engen Zusammenarbeit zwischen den Banken-aufsichtsbehörden der Industrieländer der Baseler Ausschuss für Bankenaufsicht in Basel (Schweiz) ins Leben gerufen. Dieser Ausschuss hat sich um eine Harmonisierung der Grundlagen der Bankenaufsicht bemüht. Vor dem Hintergrund der global rasanten Entwicklung - insbesondere der ungeheuer rasch fortschreitenden Technologie bei den Kommunikations- und IT-Systemen und der dadurch global miteinander vernetzten Finanzmärkte, auf denen immer schnellere Transaktionen vor sich gehen - wurde angestrebt, eine internationale Vereinheitlichung der Bankenaufsicht (materielle Standards, Instruemtne zu erreichen. Dem Thema „Basel“ wird daher in dieser Arbeit eine erhebliche Bedeutung zugemessen.
Zur Zielsetzung der Arbeit gehört es auch, Schwachstellen in syrischen Bankenaufsichtsgesetzen und den sie ergänzenden Rechtsverordnungen zu erkennen, um aufzueigen, wie mit der internationalen Entwicklung in diesem Bereich besser Schritt gehalten werden könnte.
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Madzivhandila, Rofhiwa. "Investigating factors affecting customer retention at Nedbank South Africa." Thesis, Nelson Mandela Metropolitan University, 2013. http://hdl.handle.net/10948/d1020100.
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The banking sector plays an important role in the economy of any country across the world. The recent financial crisis shows how much of the world’s economy is influenced by the banking sector. There are different roles that banks play in contributing to the operation and growth of an economy. Their role spreads from that of intermediary to that of provider of payment clearing services. Banks are an important and integral part of any economy. According to a study by Greenberg & Simbanegavi (2009), the South African banking sector is fertile ground for high levels of competition amongst its players. This competition is important for the proper working of the modern economy. According to Van Leuvensteijn et al. (2008), because banks act as the main vehicle for monetary policy, reduced competition in the banking sector can hinder the efficiency of monetary policy. As a result of the competition in the banking sector, customer retention is a key component of banks’ strategies in today’s market. The main aim of the study was to investigate factors affecting customer retention at Nedbank South Africa. The study focused on the institutional causes of bank customer defection and sought to investigate the effects of three factors (Customer service quality, Satisfaction with product, and Switching costs) on Customer Retention. This study showed the importance of customer retention and more importantly how the mentioned three factors affect customer retention at Nedbank South Africa. One of the highlights that came out of this research was that 50 perscent of the respondents were either considering closing their account or were likely to close their account within the next 12 months. In conclusion, these three factors were found to be important in the customer retention strategy of the bank. Recommendations were presented by the author on how to integrate the factors into a retention framework that can contribute to the profitability of the bank. Areas of future research that can be helpful to the bank were also highlighted by the author.
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Carlsson, Josefine, and Linnéa Falk. "Att styra informellt : En studie om hur digitaliseringen påverkar användningen och anpassningen av informella styrmedel inom banksektorn." Thesis, Linköpings universitet, Företagsekonomi, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-166071.
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Bakgrund: Banksektorn befinner sig i en allt mer komplex och föränderlig miljö på grund av digitaliseringen och dess påverkan på samhället. Till följd av den snabbföränderliga marknaden ställs det krav på hur bankerna internt organiserar sin verksamhet för att fortsatt vara konkurrenskraftiga. De mindre formella styrmedlen har därav fått en mer central roll då de är mer flexibla och lättare kan anpassas utifrån den snabbrörliga omgivningen. För att uppnå en flexibilitet som gör att bankerna kan följa med i förändringen krävs därför en förståelse för de informella styrmedlens anpassning och användning i samband med den digitala förändringen. Syfte: Studien syftar till att bidra med en ökad förståelse för hur de informella styrmedlen kan användas och anpassas för att möta förändringsprocesser såsom digitalisering. Metod: Studien är en kvalitativ tvärsnittsstudie där fyra banker studerats. Empirin består av sju semistrukturerade intervjuer med medarbetare på svenska banker. Vidare utgår studien från ett hermeneutistiskt perspektiv med en abduktiv ansats. Slutsats: Studien visar att bankerna använder sig av de informella styrmedlen kommunikation, kompetensutveckling och organisationskultur för att möta den digitala förändringen. Samtliga styrmedel har påverkats och anpassats på olika sätt för att möta digitaliseringen. Kommunikationen har blivit mer frekvent och lättillgänglig, kompetensutvecklingen sker mer digitalt och slutligen har företagskulturen behövt anamma en mer tillitsbaserad och öppen kultur. För att bankerna ska kunna möta den digitala förändringen på marknaden påvisar studien vikten av att kommunikation, kompetensutveckling och organisationskulturen används för att skapa ett lärandeklimat som främjar förändring. Slutligen måste de informella styrmedlen samspela för att skapa rätt förutsättningar för bankerna att möta den digitala utvecklingen och därav är ledarens roll av betydelse för ett integrerat användande av styrmedlen.Background: The banking sector is acting in an increasingly complex and changing environment due to digitalization. Because of the rapidly changing market, requirements have been set for how the banks internally organize their operations in order to remain competitive. Informal control systems have therefore become more central as they are more flexible and more easily to adapt to the fast-moving environment. In order to achieve a flexibility that allows the banks to stay competitive, an understanding of the adaptation and use of the informal control systems in connection with the digital change is required. Aim: The study aims to contribute to an increased understanding of how the informal control systems can be used and adapted to meet change such as digitalization. Methodology: The study uses a qualitative cross-sectional study design where four banks have been studied. The empirical data consists of seven semi structured interviews with employees of Swedish banks. Furthermore, the study is based on a hermeneutic philosophical standpoint with an abductive approach. Conclusion: The study shows that the banks use communication, competence development and organizational culture to meet the digital change. The informal control systems have been influenced and adapted in different ways to meet the digitalization. Communication has become more frequent and easily accessible, the competence development is more digital, and the organizational culture has had to adopt a more trustbased and open culture. In order for the banks to be able to meet the digital change, the study shows the importance of using communication, competence development and organizational culture to create a learning climate that promotes change. Finally, the informal control systems must interact with each other in order to create the right conditions for the banks to meet the digital development. Hence the role of the leader is important to make sure that the control systems are used in an integrated way
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Babelis, Viktoras, and Robert Kel. "Elektroninių mokėjimų universitetinėje aplinkoje programinės įrangos projektavimo tyrimas." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2008. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2008~D_20080811_151928-73940.
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Magistrinio darbo tikslas yra ištirti ir sukurti elektroninių mokėjimų universitetinėje aplinkoje programinę įrangą. Darbo metu buvo atlikta projektavimo ir technologinių sprendimų analizė. Iškelti penki pagrindiniai sistemos realizavimo probleminiai uždaviniai ir pateikti jų galimi sprendimai. Suprojektuotos ir sukurtos programinės įrangos architektūra remiasi trisluoksnio projektavimo principais. Atliekant sistemos kokybės tyrimą ji buvo įvertinta kaip vidutiniška išskiriant tik gana prastai įvertinta sistemos palaikomumo kriterijų. O lyginant sistemos teikiamą naudingumą su alternatyviais sprendimais ji buvo įvertinta kaip naudingiausia.The objective of this master project was to research and to develop the software for digital cash in the university environment. During the work execution, the analysis of design and technology solutions was performed. Further, five basic goals of system realization were formulated, the potential solutions for which were presented in the thesis. The architecture of the designed and the developed software is based on the principle of three layer design. During the quality analysis of the system, it was evaluated as an average system except that its maintainability rate was rather low. Its comparison with the alternative systems disclosed its superiority over them from the viewpoint of its expediency.
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Bjelkengren, Johan, and Sofia Lönnqvist. "Balanserade styrkort i banker på den svenska marknaden." Thesis, Linköpings universitet, Företagsekonomi, 2011. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-68700.
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Bakgrund: Under 80- och 90-talet startade en debatt om den ekonomiska styrningen där styrning efter finansiella nyckeltal kritiserades. Att enbart styra ett företag efter finansiella nyckeltal ansågs inte enligt kritiker förbättra områden som kundnöjdhet, innovation, kvalitet, cykeltid samt motivation hos medarbetare. Balanserade styrkort används som ett redskap för planering och uppföljning. Ett styrkorts främsta syfte är att översätta strategiska mål och visioner till ett antal sammanhängande prestationsmått. Dessa mått delas in i olika perspektiv som vanligtvis är finansiella, kundfokuserade, processfokuserade och innovationsfokuserade. Majoriteten av de största bankerna som är verksamma i Sverige använder balanserade styrkort. I bankverksamhet är en av de viktigaste parametrarna kundservice, eftersom att banker är en form av tjänsteorganisationer. I och med en hårdnad konkurrens på bankmarknaden finns det höga krav på den interna styrningen för att banker ska kunna behålla sin befintliga kundstock och utöka den. Med detta som bakgrund är det intressant att se på hur de olika styrkorten skiljer sig mellan bankerna och om det går att utskilja typiska nyckeltal/mått och perspektiv som är specifika för bankbranschen. Syfte: Är att beskriva utformning och användning av balanserade styrkort i de största bankerna på den svenska marknaden samt att utveckla ett förslag på ett generellt styrkort för banker verksamma i Sverige. Metod: En kvalitativ metod med intervjuer har använts. Resultat & Slutsats: Balanserade styrkort används i planeringssyfte och som ett kommunikationsverktyg. De viktigaste perspektiven i bankernas balanserade styrkort är det finansiella perspektivet, kundperspektivet samt ett medarbetarperspektiv.Background: Between 1980 and 1990 there was an ongoing debate about internal management in companies. Management solely based on financial indicators was criticized because it didn’t allow for improvements in customer satisfaction, innovation, product/service quality and more. The balanced scorecard can be used as a tool for planning and follow-up. The main purpose of the balanced scorecard is to translate an organizations strategic goal and vision to a set of performance measures. These measures are organized into different perspectives, these are usually a financial perspective, a customer focused perspective, an internal process perspective and an innovation perspective. The majority of the largest banks in Sweden use a balanced scorecard. One of the most important things for success in the banking industry is to have satisfied customers. The importance of customer satisfaction put pressure on the internal management as banks wants to keep their existing customer base and also expand it. Therefore it’s interesting to see if a typical balanced scorecard for Swedish banks exists. Aim: The aim for this study is to describe the design and usage of the balanced scorecard in the largest Swedish banks. Further we want to develop a typical scorecard for Swedish banks. Method: Qualitative methods with interviews have been applied. Results & Conclusion: The balanced scorecard is used as a planning tool, a tool for communication. The most important parts of the balanced scorecard in Swedish banking are the financial perspective, the customer perspective and the employee perspective.
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Siming, Linus. "Private equity and advisors in mergers and acquisitions." Doctoral thesis, Handelshögskolan i Stockholm, Finansiell Ekonomi (FI), 2010. http://urn.kb.se/resolve?urn=urn:nbn:se:hhs:diva-947.
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This doctoral thesis contains three empirical research papers that center on the topics of private equity and the role of advisors in mergers and acquisitions. "Your Former Employees Matter: Private Equity Firms and Their Financial Advisors” is a study of how social networks that are formed by previous employment relations affect private equity firms’choice of financial advisors. A financial advisor is more likely to advice on a transaction if a former employee is one of the private equity professionals who constitute the deal team for the particular transaction. In turn, information and deals are sourced to private equity firms from sell-side financial advisors within the previous employment network. "Dual Role Advisors and Conflicts of Interest” focuses on the potential conflicts of interest that may arise when an advisor to a firm targeted in a merger or acquisition is simultaneously involved in financing the bidder. Overall, the results suggest that investment banks in these situations may not have fulfilled their obligation of obtaining the highest possible price on behalf of the seller. "Private Equity Firms and Quick Flip Sales” examines the particulars of quick flip investments and three hypotheses that may explain their prevalence. Private equity firms typically are long term investors, but occasionally exits take place in less than 18 months. Results point to that such quick flips may partly be due to conflicting interests between the limited and general partners.Diss. Stockholm : Handelshögskolan, 2010. Sammanfattning jämte 3 uppsatser
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Blohm, Martin, and Axel Konradsson. "Konstruktionen av stress : En kvalitativ studie om hur stress upplevs i banksektorn." Thesis, Linköpings universitet, Företagsekonomi, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-139961.
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Bakgrund: Arbetslivet förändras ständigt till följd av digitaliseringen och tillgången till information ökar kraftigt. Banksektorn är en av de sektorer som påverkats mest av dessa förändringar och studier har visat att arbetsrelaterad stress ökar till följd av detta. Det är lätt att utifrån studier och fackliga undersökningar förknippa stress i banksektorn med arbetsmiljöproblem eftersom fokus ligger på ohälsa och sjukskrivning. Samtidigt vill många människor arbeta i banksektorn och i andra yrkesgrupper med liknande karaktärsdrag. Det behövs en djupare förståelse för stress i banksektorn och hur den kan upplevas i moderna, föränderliga yrken med stor informationsbearbetning. Syfte: Syftet med studien är att förstå hur stress upplevs, med banksektorn som exempel, samt att utifrån detta belysa problematiken kring begreppet stress. Metod: Detta är en kvalitativ flerfallstudie med ett socialkonstruktivistiskt perspektiv. Det empiriska materialet har samlats in genom 10 semistrukturerade intervjuer från tre svenska banker. Studien har utgått från empirin och har således en induktiv ansats. Slutsats: Studien visar att ett arbete i banksektorn är intensivt och innebär höga krav i form av långa arbetsdagar, komplexa arbetsuppgifter, deadlines och ansvar. Dessa krav ger upphov till stress som upplevs både negativt och positivt. Negativ stress upplevs vid en förlorad kontrollkänsla och vid en konfliktkänsla mellan arbete och privatliv. Positiv stress upplevs genom en känsla av utmaning och, till viss del, adrenalinrus. Studien har visat att stress upplevs på olika sätt, både positivt och negativt. Till följd av detta kan begreppet stress behöva nyanseras och bli mindre förknippat med negativa värden.Background: Work is constantly changing due to digitalization and access to information is rapidly increasing. These changes affect the banking sector and studies have shown that work related stress increases as a result. One can easily associate stress in the banking sector with problems in the work environment since that is what studies and surveys are focusing on. At the same time, many people find the banking sector attractive, as a workplace. This study is necessary, because we need a better understanding about how stress can be perceived in modern professions, characterized by the processing of information. Aim: The aim of this study is to increase the understanding of how stress is perceived, using the banking sector as an example. Further, we aim to illustrate the problem concerning the concept stress. Methodology: This is a qualitative case study using the perspective of social constructivism. The empirical data has been collected through semi-structured interviews with three Swedish banks. The study has an inductive approach. Conclusion: This study shows that the banking sector is an intensive workplace and involves high demands as long working hours, complex tasks, deadlines and responsibility. These demands contribute to a lot of stress. Negative stress is perceived when the sense of control is lost and when a conflict between work and personal life arises. Positive stress is perceived when a sense of challenge appears and, to some extent, with a feeling of adrenaline. The results have proven that stress in the banking sector is perceived in various ways, both negative and positive. The concept stress might therefore need to be altered and be less associated with a negative value.
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Young, Jodi. "Banking Transactions and Controls Training for Deutsche Bank Operations Employees." Diss., CLICK HERE for online access, 2006. http://contentdm.lib.byu.edu/ETD/image/etd1662.pdf.
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Cuenca, Botey Luis-Emilio. "De la Réforme Sociale à l’Optimisation du Risque-Rendement : une compréhension du processus de gouvernementalisation au travers de l’histoire d’une Banque Ouvrière en Amérique Latine." Thesis, Jouy-en Josas, HEC, 2015. http://www.theses.fr/2015EHEC0010/document.
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Parmi l’ensemble des organisations, les banques ont trois caractéristiques majeures : la prééminence des calculs dans la définition des cours de l’action de l’organisation ; la construction de mécanismes d’examen et de contrôle du comportement de leurs clients qui sont, en termes comptables, leurs actifs ; un rôle essentiel dans le cadrage des comportements économiques dans les sociétés modernes. Ainsi, tous les projets bancaires se construisent à partir des calculs mais aussi au travers de paradigmes liés à l’économie politique et aux injonctions morales qui leur sont concomitantes. Cette thèse se propose de contribuer à la connaissance des pratiques bancaires et de leur rôle dans la construction d’individus gouvernés par une certaine raison économique. Pour ce faire nous nous sommes intéressés à l’histoire socio-technique de la Banque Populaire et pour le développement communautaire du Costa Rica. Nous avons construit cette histoire à trois niveaux différents. D’abord le niveau des ‘discours du gouvernement’ qui a été étudié grâce à la consultation d’archives portant sur les discussions des lois définissant le cadre normatif de la Banque à l’Assemblée législative du Costa Rica. L’analyse de ces discussions nous a permis d’identifier cinq rationalités politiques se disputant l’hégémonie pour définir les conceptions de contrôle de l’organisation au cours de son histoire. Puis, nous nous sommes intéressés au niveau de la prise de décision stratégique. Nous l’avons étudié grâce à la consultation des comptes rendus portant sur des disputes concernant la gestion actif-passif de la banque de 1969 à 2010. Lors de l’analyse de ces discussions nous avons montré comment interagissent les technologies de calcul avec les rationalités politiques identifiées au premier niveau de la recherche et les trajectoires sociales et politiques des administrateurs participant dans les disputes. Ainsi, nous avons montré les modalités par lesquelles se déplacent les épreuves de justification permettant d’arriver à des accords sur le budget de crédit de la banque. Enfin, le troisième niveau de la thèse est une reconstruction historique des dispositifs d’évaluation des demandeurs de crédit. Au cours de cette partie nous montrons les relations qui existent entre la manière d’équilibrer le bilan et les formes d’évaluation et valorisation des demandeurs de crédit. Notre recherche s’inscrit dans la ligne des travaux portant sur une étude de l’économie politique par les instruments de gestion. Elle discute avec les études gouvernementalistes en comptabilité et propose un déplacement dans la manière de comprendre le déploiement de la rationalité économique dans le fonctionnement des organisationsIn the world of organizations, banks are characterized by three particular elements: the preeminence of calculations in defining the course of action of the organization; building control and evaluation devices for customers, who, in accounting terms, are their assets; the key role they play in the dissemination of economic rationality in society. Therefore, all banks are based on calculations, and also on paradigms from political economy and its implicit moral imperatives. However, relations between these constitutive dimensions of the banking practices have been little explored by research in accounting. The aim of this work is to contribute to a better knowledge of banking practices and its role in the construction of individuals governed by economic reason. To this end, this work was conducted with close reference to the social and technical history of a particular banking organization, Costa Rica’s Banco Popular y de Desarrollo Comunal (BPDC). The case study has three levels. First, the “governmental discourse” level, which we studied through systematic analysis of the original files and amendments of the organic law of BPDC. In this analysis we identified five political rationales that have historically disputed hegemony in the definition of the conception of control of the organization. Secondly, we studied the level of strategic decision, emphasizing the conflicts linked to the management of assets and liabilities. In this part we put in evidence the relationship between calculative technologies and political rationales identified in the previous level and we show the ways in which the evidence of justification was displaced to reach agreements and make decisions. Finally, the third level of the study has to do with the interaction between the borrowers and the organization. To address it, we reconstructed the history of the devices used to evaluate the borrowers. Thus, we show the relationship between ways of resolving conflicts at the strategic level of the organization and ways to assess credit risk. This work is related to current research trends that study relationships between political economy and management tools. Its aim is to discuss with governmentality studies in accounting. Its main contribution is the construction of a different approach to understand the way in which economic rationality is diffused into the functioning of organizations
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Elobo, Roger Claude. "Le contrôle de la réglementation prudentielle de la microfinance : Cas de la CEMAC (Communauté économique et monétaire de l'Afrique centrale)." Thesis, Paris Est, 2016. http://www.theses.fr/2016PESC0047/document.
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La microfinance connaît un développement considérable dans le monde de longue date. Elle est restée insignifiante jusqu’aux années 1990 au sein des Etats membres de la Communauté Economiques et Monétaire de l'Afrique Centrale (CEMAC) avant de connaître, sous l’effet conjugué du rôle actif de la Banque mondiale dans la lutte contre la pauvreté, un contexte juridique mal codifié et des politiques économiques exclusives, son essor et une expansion rapide marquée par une certaine anarchie et beaucoup de faillites aux conséquences négatives sur les économies et le moral des populations pauvres clientes des institutions de microfinance (IMF).Conscients des enjeux politiques et incités par les experts de la Banque mondiale, les chefs d’Etats de la CEMAC ont recherché des solutions visant à réglementer ce secteur en confiant à la Commission bancaire de l'Afrique centrale (COBAC) la mission d’édifier un cadre réglementaire et d’en assurer la supervision.Malgré cette réglementation, le taux de défaillance des IMF demeure élevé ce qui laisse à penser qu’il existe de failles structurelles qui nuisent à l’applicabilité des textes et/ou à l’exercice d’une bonne supervision.A partir d’une étude empirique construite autour d’un échantillon d’organisations de microfinance, il est mis en évidence des défaillances dont l’analyse des caractéristiques permet de dégager des stratégies appropriées pour y remédier.L’étude écarte l’absence de patrimoine des clients des IMF comme facteur risque justifiant une réglementation prudentielle. Elle montre à cet effet que les IMF ont un fonctionnement adapté au contexte d’information imparfaite avec les prêts de groupe à responsabilité conjointe et les prêts individuels renouvelés. Par conséquent, elle incite à se concentrer sur l’objet même de la réglementation et les pratiques de sa supervision.Cette réglementation de la microfinance dans la CEMAC tend à se conformer aux standards prudentiels internationaux. Mais il s’avère qu’elle nécessite des corrections pour plus d’efficacité et d’efficienceMicrofinance has evolved over the years. Insignificant until the 1990 in the Central Africa Economic and Monetary Community (CEMAC) it became the tool used by the World Bank to fight poverty. Combined with poorly codified legal context and exclusive economic policies, its development and rapid expansion was marked by lawlessness and bankruptcies with negative consequences on the economies and moral of populations and clients using microfinance institutions (MFIs).Aware of political issues and encouraged by the experts of the World Bank, the CEMAC Heads of States, sought solutions to regulate this sector by entrusting to the Banking Commission of Central Africa (COBAC) mission to build a regulatory framework and ensure supervision.Despite this regulation, the MFI failure rate remains high which suggests that there are structural flaws that undermine the applicability of the text and/or the exercise of proper supervision.From an empirical study built around sample of microfinance organisations, it is highlighted shortcomings allowing identifying appropriate strategies to address them.The study did not take into account MFI customers’ assets as a risk factor to justify the cautious regulation. This shows that MFIs have an imperfect data not adapted to group loans with joint responsibility and renewed individual loans. Therefore, it encourages focus on the regulation and supervision practices.This microfinance regulation in the CEMAC tends to conform to international prudential standards. But it turns out that it requires corrections for efficiency and effectiveness
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Boukef, Jlassi Nabila. "Conditions d'ouverture du secteur financier, déréglementation et risque pour le secteur bancaire : cas des pays en développement." Thesis, Orléans, 2015. http://www.theses.fr/2015ORLE0501/document.
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Ces dernières décennies, le monde a vécu des épisodes de forte instabilité financière globale, allantde pair avec un mouvement important de capitaux internationaux. Ce paradoxe remet en question lebien-fondé d’une politique de libéralisation financière internationale et soulève de nombreusescontroverses dont l’issue est à ce jour ambigu. L'objectif de cette thèse est d’apporter une contributionà ce débat actuel. Notre démarche s'articule autour de trois grandes parties. D'abord, nous analysonsl'impact de la globalisation financière sur la croissance économique dans les pays en développement(PED). Ensuite, dans la deuxième partie, nous étudions le rôle que pourrait jouer la libre circulationdes capitaux internationaux comme un déterminant du déclenchement des crises bancaires dans lesPED. Ceci nous amène dans la troisième partie à analyser les réformes réglementaires proposéespour pallier à ce risque de crises bancaires et tirer profit de la globalisation financière (GF).Les principaux résultats de la thèse peuvent être résumés comme suit : (1) La GF agit positivementsur la croissance économique et la stabilité du secteur bancaire, ces effets étant conditionnés par lanature des flux de capitaux échangés. (2) Les pays en développement peuvent bénéficier de lalibéralisation des mouvements de capitaux s’ils ont atteint un certain seuil de développementinstitutionnel. (3) Le contrôle des capitaux permet aux pays en développement d’assurer un niveau destabilité financière soutenu. Les implications de politiques économiques sont : (a) Les PED ont intérêtà améliorer leurs cadres institutionnels pour tirer profit de la globalisation financière. (b) Les pays endéveloppement doivent renforcer leur cadre règlementaire et mettre en place une politique de contrôledes capitaux qui ciblerait ceux à l’origine de l’instabilité économique et financière. (c) Un tel contrôlene doit pas se faire seulement sur les engagements envers l’étranger mais aussi sur les avoirsOver the last few decades, the world has experienced episodes of global financial instability combinedwith significant shifts of international capital movements. This paradox questions the merits of theinternational financial liberalization and raises many controversies whose outcome is inconclusive todate. The aim of this thesis is to contribute to this current debate. The approach is structured aroundthree main parts. First, the impact of the financial globalization (FG) on the economic growth isanalyzed for developing countries. Then, in the second part, we examine the potential role of freemovement of international capital as a major factor responsible for the onset of banking crisis indeveloping countries. This analysis leads us to the third part in which we analyze the regulatoryreforms, proposed to mitigate the risk of banking crisis and to benefit from financial globalization.The main outcomes are summarized as follows: (1)The financial globalization acts positively oneconomic growth and the stability of the banking sector. Furthermore, these effects are conditioned bythe nature of capital flows. (2) The developing countries can benefit from the liberalization ofinternational capital flows, if they have reached a certain threshold level of institutional development.(3) The capital controls allow the developing countries to ensure a sustainable level of financialstability. The economic policy implications are: (a) The developing countries may find it beneficial todevelop their institutional framework to benefit from financial liberalization. (b) the developing countriesmust strengthen their regulatory framework and set up a capital control policy that will target theorigins of economic and financial instability. (c) Such a control should not only be exercised on foreignliabilities but also on domestic assets
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Lowther, Dwain Eldred. "Customer relationship management: A financial perspective." CSUSB ScholarWorks, 2004. https://scholarworks.lib.csusb.edu/etd-project/2694.
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This paper focuses on methods for financial institutions to perform precise customer level analysis to anticipate customers' evolving financial needs and maximize the lifetime value of each customer relationship. The paper proposes software packages that analyze customer relationship management from a financial perspective.
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Chapelle, Ariane. "Essays on the economics of banking and corporate governance." Doctoral thesis, Universite Libre de Bruxelles, 1999. http://hdl.handle.net/2013/ULB-DIPOT:oai:dipot.ulb.ac.be:2013/211907.
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La thèse se compose de trois chapitres distincts. Le premier, rédigé en français, traite des questions de l’adaptation des établissements de crédits belges à leur environnement économique et financier depuis le milieu des années septante. Il a fait l’objet de deux publications dans les Cahiers Economiques de Bruxelles en 1997. Les deuxième et troisième chapitres, rédigés en Anglais, traitent de questions de Corporate Governance et, en particulier, décrivent et analysent l’actionnariat et les participations des sociétés belges cotées en Bourse de Bruxelles en 1995.
Chapitre 1 :Impacts des évolutions du secteur financier sur le choix de portefeuille d'une banque
Comment expliquer l’apparente stationnarité de la structure de bilan des établissements de crédits au cours de ces vingt dernières années? Pour modéliser l'activité bancaire, nous avons utilisé les théories de choix de portefeuille de Markowitz, en considérant la banque comme un investisseur face à trois actifs risqués (crédits, dépôts, fonds d'Etat) et détenant un capital fixé. Le modèle développé est une extension du modèle construit par PYLE (1971) qui prenait en compte deux actifs risqués et un actif sans risque.
Le paramétrage ajuste le bilan théorique d'une banque sur le bilan agrégé de l'ensemble des banques en Belgique en 1975. Cet ajustement sur des données du passé permet d'étudier, aux travers de chocs sur les paramètres du modèle calibré, les trois grandes évolutions qu'a connu le secteur bancaire au cours des vingt années écoulées :l'augmentation de la concurrence bancaire, la modification des risques d'intérêt dans le sens d'une plus grande flexibilité des taux de dépôts, et l'introduction du ratio Cooke, imposant aux banques de détenir des fonds propres à hauteur de 8% minimum des crédits accordés au secteur privé.
L'étude de ces trois chocs, individuellement d'abord, simultanément ensuite, a mis en évidence notamment les résultats suivants :
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Doctorat en sciences économiques, Orientation économie
info:eu-repo/semantics/nonPublished
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Arnould, Guillaume. "Stress testing the banking system : towards a more macroprudential approach." Thesis, Paris 1, 2017. http://www.theses.fr/2017PA01E018.
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Les tests de résistance, qui évaluent la capacité des banques à soutenir la détérioration de la situation économique et financière, sont devenus un outil qui aide les banques centrales à exercer leur nouveau pouvoir de supervision et à promouvoir un système financier stable. En outre, la récente crise financière mondiale a déplacé le centre d'attention de la supervision financière d'une perspective microprudentielle, basée sur la résilience des institutions individuelles, à une perspective plus macroprudentielle, qui englobe la résilience globale du système financier. Par conséquent, les tests de résistance microprudentiels mettent l'accent sur le rôle traditionnel du capital bancaire en tant que coussin de protection contre les pertes, tandis que les tests de résistance macroprudentiels se concentrent sur le système bancaire dans son ensemble. La crise financière mondiale a également souligné le rôle crucial du risque de liquidité dans la détérioration de la stabilité du système financier international. Le premier article passe en revue le premier test de résistance de la BCE, en le comparant à la littérature et aux autres tests de résistance effectués de par le monde, et contextualise ses résultats. Il donne un aperçu des tests de résistance et une liste d'améliorations potentielles. Le second article cherche à construire une méthodologie qui couvre certaines lacunes (effet de spillovers et interactions entre solvabilité et liquidité) identifiée dans le premier chapitre et l'utilise pour évaluer la fragilité actuelle du système bancaire de la zone euro selon différents scénarios. Enfin, le troisième chapitre analyse le lien entre la solvabilité et les coûts de financementStress tests, which evaluate banks' capacity to withstand deteriorating economic and financial condition, have become a tool that helps central banks to fulfil their new supervisory power and promote a stable financial system. Additionally, the global financial crisis shifted the perspective of financial supervision from a microprudential perspective, based on the resilience of individual institutions, to a more macroprudential perspective, which encompasses the whole financial system resilience. Hence, microprudential stress tests emphasize the traditional role of bank capital as a buffer against loss, shielding the deposit insurance agency, while, macroprudential stress tests focus on whether the banking system as a whole has the balance, sheet capacity to support the economy. The global financial crisis also highlighted the crucial role of liquidity risk in undermining the stability of the international financial system. The first paper reviews the first ECB stress test, comparing it to the literature and other stress tests conducted, and contextualize its results. It provides an overview of stress tests as a tool and give a list of potential improvements. The second paper, seeks to construct methodology that covers some shortcomings (spillovers and interaction between solvency and liquidity) identified in the first chapter and uses it to assess the current fragility of the Eurozone banking system to various scenarios. Finally, the third chapter analyses the link between solvency and funding costs as a potential source of second round losses in the stress testing framework
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LIAO, CHI-CHUAN, and 廖季釧. "The Information Risk Control of Mobile Payment for Banking." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/07698395161452609169.
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碩士國立中正大學
會計資訊與法律數位學習碩士在職專班
104
Abstract With technological innovation and progress, payments of financial market, the amounts of using contact-less payments increase year by year. The payment with mobile device has becoming the mainstream. People highly rely on banks, and the service of payments belongs to its basic business. So, people would inspect that how to protect customers’ personal data and information security. In the field of mobile payment, the study applies the Control Objectives for Information and related Technology COBIT 4.1 for the control object. To analyze 210 control factors of COBIT 4.1 and compare with control of mobile payment’s information risk. Through the research of relevant articles to make the model for the system of information risk, and adopted the Delphi Method with the questionnaire survey to correct the application and importance. Finally, the study has 59 control factors of COBIT 4.1. Expect the result of the study can be the reference for making the safe frame of information risk controlling, and balance efficiently the risk and control at the uncertain situation.
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Lu, Shin-Yi, and 盧欣怡. "The Association among Risk Control Factors and Banking Operation Performance." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/59313734317716832532.
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碩士國立中正大學
會計與資訊科技研究所
98
In the end of 2006, the New Basel Capital Accord (Basel II) had been adopted by the financial supervision system of Taiwan. Thus, how implementation of Basel II affects the performance of the banking industry in Taiwan has holds the spotlight of the academic and practice industries. This study employs 33 Taiwanese banks as the research targets to explore how the risk control factors affect the performance of Banks. The research findings reveal that risk control factors can be categorized into 3 dimensions, namely, credit risk, market risk and operational risk. In the deminsion of credit risk, credit risk capital requirement for ratio of liquidity reserves with a significant positive effect. Capital adequacy ratio for ROE, EPS with a significant positive effect and for operating expenses ratio, assets growth rate with a significant negative effect. Ratio of overdue loans for ROA, ROE, EPS, operating expenses ratio, assets growth rate with a significant negative effect. Ratio of loans to deposits for ratio of liquidity reserves with a significant negative effect. Coverage ratio of loans for average operating revenue per employee、ratio of liquidity reserves with a significant positive effect. In the deminsion of market risk, market risk capital requirement for operation performance no significant effect. Interest spread of loans to deposits for ROA, ROE, EPS, ratio of operating expenses, average operating revenue per employee, ratio of liquidity reserves with a significant negative effect. Ratio of interest rate sensitivity gap to net worth for ROE, operating expenses ratio with a significant negative effect. In the deminsion of operational risk, operational risk capital requirement for ROA, EPS, average operating revenue per employee with a significant positive effect. Staff Seniority for ROE, EPS with a significant positive effect. Fine of authority for operation performance no significant effect.
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Liu, Pei-Li, and 劉培棣. "The Analysis on the internal control of Banking Lending Personnel." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/48997397633797263245.
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碩士國立彰化師範大學
財務金融技術學系
104
Abstract In order to protect the interests of investors and stabilize financial order, the establishment of the Financial Supervisory Commission in 2003, and based on COSO Internal Control Committee release the overall architecture, set and implement a "public company to establish an internal control system implementation of key points". Therefore, based on Internal control five essential factors,this article explored how the internal control affect job performance,and verified how job performance affects internal control. This study used convenience sampling, with 227 effective questionnaires collected,and we applied descriptive statistics, exploratory factor analysis, analysis of variance and regression analysis, to verify how internal control affect job performance. The results showed that risk appraisal, control environment, information and communication and monitoring can positively affect job performance,which suggests that it can effectively improve the job performance of financial workers if the banking acquires a more comprehensive internal control system. Keywords: internal control, job performance