Academic literature on the topic 'Universal banking system'

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Journal articles on the topic "Universal banking system"

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Cameron, Colleen W. "Universal banking and the U.S. banking system." International Advances in Economic Research 1, no. 1 (February 1995): 83–84. http://dx.doi.org/10.1007/bf02295867.

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Guinnane, Timothy W. "Delegated Monitors, Large and Small: Germany's Banking System, 1800–1914." Journal of Economic Literature 40, no. 1 (February 1, 2002): 73–124. http://dx.doi.org/10.1257/0022051026985.

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Banks play a greater role in the German financial system than in those of the United States or Britain. Germany's large universal banks are admired by those who advocate bank deregulation in the United States. Others admire the universal banks for their supposed role in corporate governance and industrial finance. Many discussions distort the German banking system by overstressing one of several types of banks, and ignore the competition and cooperation between the famous universal banks and other banking groups. Tracing the historical development of the German banking system from the early nineteenth century places the large universal banks in context.
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STANCIU, LAURA. "Italian multinational banking in interwar east central Europe." Financial History Review 7, no. 1 (April 2000): 45–66. http://dx.doi.org/10.1017/s0968565000000032.

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Laura Stanciu, Italian multinational banking in interwar east central EuropeThis article examines the interwar development of multinational investment undertaken by the most prominent Italian universal bank — Banca Commerciale Italiana — in Bulgaria, Hungary, Poland and Romania, referred to here as east central Europe. It analyses the extent to which considerations concerning universal banking's development are valid in the case of Italian multinational investment in this region. The article is neither a study of the 1930s financial crisis nor an analysis of the Italian universal banking per se. Instead, it questions the implicit relationship between the fate of the activities of Banca Commerciale Italiana in east central Europe and the general problems of the universal banking system during the early 1930s. Evidence seems to suggest that the bank's withdrawal from the region, beginning in the late 1920s, was more a result of managerial shortcomings and unsound investment decisions than the crisis.
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Corvalan, Jorge. "The Paraguayan financial system and Paraguay's experience in universal banking." Quarterly Review of Economics and Finance 52, no. 2 (May 2012): 158–61. http://dx.doi.org/10.1016/j.qref.2011.12.011.

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Goswami, Chandana, and Nilanjana Deb. "Tracing the Path to Universal Banking: The Indian Scenario." Journal of Nepalese Business Studies 7, no. 1 (July 9, 2012): 17–30. http://dx.doi.org/10.3126/jnbs.v7i1.6399.

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In India, the Commercial Banking sector has been the dominant element in the country’s financial system and performed the key functions of providing liquidity and payment services to the real sector, and has accounted for bulk of the financial intermediation process. However, since early 1990s, the Indian banking sector has been subjected to various reform measures initiated by the Government at the backdrop of economy-wide structural adjustment programme and also in response to the unsatisfactory economic and qualitative performance of the Public Sector Banks owing to lack of competition, low capital base, low productivity and high intermediation cost.Financial sector reforms have uprooted many of the outdated regulatory fences within which banks were required to carry out their activities. This provided more liberty to banks and they started exploiting different areas of operation. Gradually, many of the banks, apart from their indigenous function i.e., banking, started having substantial interests in all sorts of financial businesses like insurance, funds management, mutual funds, securities trading etc. Eventually, such a bank acquired the status of Financial Conglomerate and slowly began moving towards Universal Banking framework. However, in this process, the risk exposure of banks increased further and also it has raised a question on what should be the effective regulatory system for monitoring such conglomerates.Therefore, an attempt is made to trace the path of transition of Indian banks towards Universal banking framework, their risk exposure, opportunities and challenges confronted in this process of transition and the regulatory system needed to monitor such entities.The Journal of Nepalese Business Studies Vol. Vii, No. 1, 2010-2011Page : 17-30Uploaded date: July 7, 2012
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Mardanugraha, Eugenia, and Muliaman D. Hadad. "FENOMENA UNIVERSAL BANKING DITINJAU DARI PERSEPSI PELAKU SISTEM KEUANGAN INDONESIA." Buletin Ekonomi Moneter dan Perbankan 9, no. 2 (February 13, 2007): 5–20. http://dx.doi.org/10.21098/bemp.v9i2.202.

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The development of the financial system tends to move to a liberalized system where the geographical border vanished as well as the limitation on the function of the financial institution. The product intersection and similiarity across the bank, insurance and securiy gives the signal of the integration process into one multi-function financial institution, which in turn create a universal bank; a bank that run both bank and non-bank function.This tendency requires a stronger cooperative coordination between the bank and the non-bank regulator, yet the explicit forms of the relationships are not defined well. This papaer highlights this issue by analyzing and contrasting the perception about the bank and the non-bank institution. The aim of this paper is to provide a insight for the regulators of how to coordinate and control this unifying functional process between the bank and the non-bank institution in Indonesia.Keywords : universal banking, financial coordination, IndonesiaJEL Classification : E52, G21, G22, G28
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Dadashzade, Ali. "Data Quality in Banking System: Case of Azerbaijan." International Journal of Finance & Banking Studies (2147-4486) 7, no. 2 (September 12, 2018): 1–8. http://dx.doi.org/10.20525/ijfbs.v7i2.877.

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Data quality in banking and financial sector is one of the most researched topics nowadays. With the increasing regulatory burden and increased importance of targeted sales, data quality directly influences funds and performance of banking system. In this paper, the author is aiming to define universal reasons and causes of data quality problem and apply the case to local Azerbaijani banks taking into account local managers’ personal view based on their banking experience. Key finding of the research is that unintegrated software, wrong data insertion, aging of data with the growing speed of market, corporate governance and inability to calculate true costs of low data quality to the local banks are the reasons of data quality issue in the local banks. Moreover, main costs of the data quality issue are time and money, appearance of hidden data factories, obstacles to apply and measure KPIs, uncorrelations in sensitivity analysis and ineffective marketing strategies.
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Shen, Chung-Hua. "Cost efficiency and banking performances in a partial universal banking system: application of the panel smooth threshold model." Applied Economics 37, no. 9 (May 20, 2005): 993–1009. http://dx.doi.org/10.1080/00036840500076838.

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Lukovnikova, N. S. "Specifics of using credit banking instruments in conditions of the Russian banking system development." Financial Analytics: Science and Experience 13, no. 4 (November 13, 2020): 383–97. http://dx.doi.org/10.24891/fa.13.4.383.

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Subject. Uncertainty and risks of the banking system development have increased against the background of identified inefficient credit and payment instruments. The conceptual framework for the said system development includes not only the State support to backbone banks, but also establishing the cause-effect relationship between the offered banking product and the service, and the conditions and legal grounds stipulated for banks, having basic and universal licenses. Objectives. The purpose is to identify the specifics of banking operations related to credit products, considering the changes in distribution of payment instruments of banks in the credit card market. Methods. The study employs empirical and theoretical methods, like formalization, observation, comparison, test of cause and effect relationships. The systems approach forms a basis of the study. Results. I consider conditions for obtaining the government support for targeted loans, including the participation in major innovative projects and programs and the need to balance financing for the acquisition of intangible assets through subsidized interest rates on loans. It is recommended to introduce the concept of ‘credit banking instruments’ for scientific and economy-related purposes. Conclusions. Improving the efficiency of the use of credit banking instruments should be implemented on the basis of a comprehensive system of preventing financial losses, diversification of loan portfolio and optimization of payments with bank card holders, taking into account the lending policy, formed in the context of activities of a particular federal district and the subject of the Russian Federation.
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Fohlin, C. "Regulation, taxation and the development of the German universal banking system, 1884-1913." European Review of Economic History 6, no. 2 (August 1, 2002): 221–54. http://dx.doi.org/10.1017/s1361491602000096.

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Dissertations / Theses on the topic "Universal banking system"

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Mello, Márcio de Sá. "Pré-ipo capital infusion and underwriting in Brazil: a study on conflicts of interests in the universal banking system." reponame:Repositório Institucional do FGV, 2010. http://hdl.handle.net/10438/8121.

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Mercados financeiros e finanças corporativas
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This research paper investigates the issue of pre-IPO capital infusion and underwriting. During the bullish market from 2004 to 2008, a great number of Brazilian companies decided to go public. In many of these issues, the issuing company had received capital from its underwriters through lending and/or equity ownership. Recent research papers in Brazil argue that these loans had the intention to inflate issuing companies and deceive investors. Through an analysis of Earnings Management and Price Stabilization our research found evidences that underwriters stabilize more and with higher intensity those IPOs in which they lent money or bought equity stake in issuing companies. When looking at Earnings Management the result shows no difference between firms that received capital and those that did not.
O presente trabalho busca investigar o impacto das relações de crédito entre underwriters e empresas emissoras. No período de 2004 à 2008 um crescente número de empresas brasileiras aproveitou o cenário de otimismo nos mercados financeiros para emitir ações na bolsa. Boa parte desses negócios envolveu aporte de capital dos underwriters às empresas emissoras, seja por meio de empréstimos ou participação no capital social. Estudos recentes realizados no Brasil acusam tal prática como de comportamento oportunista, onde underwriters estariam levando empresas não preparadas ao mercado. Utilizando-se de análises de Gerenciamento de Resultados e Estabilização de Preços nosso estudo identificou indícios de que underwriters fazem uso da estabilização de preços e em maior intensidade em ofertas onde possuem alguma relação de crédito com a empresa emissora. Já os níveis de Gerenciamento de Resultados são os mesmos para empresas que receberão aporte de capital e àquelas que não receberam.
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Suchá, Anna. "Právní otázky komerčního a investičního bankovnictví." Master's thesis, 2012. http://www.nusl.cz/ntk/nusl-313819.

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This thesis is dedicated to the Financial Law, namely to a special part of this branch of law - Banking Law, with a special focus on legal aspects of commercial and investment banking. This thesis concentrates on the specifics of the universal banking system applied in the Czech Republic. Chapter 1 deals with the general terms and concepts of the Banking Law, namely with the different types of banks and/or other financial institutions, as well as explanation of their different functions in the banking system of the Czech Republic. This chapter furthermore provides general overview of the structure of the banking and financial system of the Czech Republic. Chapter 2 covers the functions and characteristics of two fundamental types of banks, i.e. of commercial and investment banks and provides characteristics of their common features as well as the differences between them, from the perspectives of economics and law. Chapter 3 concentrates on three different banking models, namely on model of universal banking system, segmented banking system and hybrid banking system. This chapter also provides comparison of pros and cons of the above mentioned banking models. Chapter 4 looks in detail on a model of integration of investment banking into the banking system of the Czech Republic and furthermore, on...
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Books on the topic "Universal banking system"

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Paulet, Elizabeth. Universal banks and the European banking system: Prospects and problems. San Domenico: European University Institute, 1996.

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Die Organisation von Vertraulichkeit: Eine empirische Analyse der Compliance-Systeme deutscher Universalbanken. Frankfurt am Main: P. Lang, 1996.

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Universal banking: Financial system design reconsidered. Chicago: Irwin Professional Pub., 1996.

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New York University Salomon Center (Corporate Author), Anthony Saunders (Editor), and Ingo Walter (Editor), eds. Universal Banking: Financial System Design Reconsidered. Irwin Professional Publishing, 1996.

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J, Forsyth Douglas, and Verdier Daniel 1954-, eds. The origins of national financial systems: Alexander Gerschenkron reconsidered. London: Routledge, 2003.

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Forsyth, D. Origins of National Financial Systems: Alexander Gerschenkron Reconsidered (Routledge Explorations Ineconomic History, 21). Routledge, 2003.

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Verdier, Daniel, and Douglas J. Forsyth. Origins of National Financial Systems: Alexander Gerschenkron Reconsidered. Taylor & Francis Group, 2003.

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Verdier, Daniel, and Douglas J. Forsyth. Origins of National Financial Systems: Alexander Gerschenkron Reconsidered. Taylor & Francis Group, 2003.

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Verdier, Daniel, and Douglas J. Forsyth. Origins of National Financial Systems: Alexander Gerschenkron Reconsidered. Taylor & Francis Group, 2003.

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Verdier, Daniel, and Douglas J. Forsyth. Origins of National Financial Systems: Alexander Gerschenkron Reconsidered. Taylor & Francis Group, 2003.

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Book chapters on the topic "Universal banking system"

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Mooslechner, Peter, and Yvonne Schnitzer. "Structure-Performance in Banking: An Application to a Typical Universal Banking System." In Applied Industrial Organization, 167–86. Dordrecht: Springer Netherlands, 1994. http://dx.doi.org/10.1007/978-94-017-6395-0_12.

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Weiss, Michael. "Process of change within the universal banking system in Europe." In Contributions to Economics, 212–13. Heidelberg: Physica-Verlag HD, 2000. http://dx.doi.org/10.1007/978-3-642-57674-4_18.

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Ligeti, Sándor. "Universal Banking in Central and Eastern Europe." In The Recent Evolution of Financial Systems, 203–13. London: Palgrave Macmillan UK, 1997. http://dx.doi.org/10.1007/978-1-349-14192-0_11.

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Lindblom, Ted, and Martin Andersson. "Recent Developments in Retail Banking in Scandinavia: Narrow v. Universal Banking." In The Recent Evolution of Financial Systems, 181–202. London: Palgrave Macmillan UK, 1997. http://dx.doi.org/10.1007/978-1-349-14192-0_10.

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Kregel, Jan. "Universal banking, US banking reform and financial competition in the EEC 1." In Financial Stability, Systems and Regulation, edited by Felipe C. Rezende, 90–107. 1 Edition. | New York : Routledge, 2019. | Series: Routledge critical studies in finance and stability: Routledge, 2018. http://dx.doi.org/10.4324/9781315438290-3.

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Altunbas, Yener, Lynne Evans, and Philip Molyneux. "Universal Banks, Ownership and Efficiency: A Stochastic Frontier Analysis of the German Banking Market." In The Recent Evolution of Financial Systems, 141–56. London: Palgrave Macmillan UK, 1997. http://dx.doi.org/10.1007/978-1-349-14192-0_8.

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Canals, Jordi. "The Japanese Main Bank System and its Influence on Industry." In Universal Banking, 181–205. Oxford University Press, 1997. http://dx.doi.org/10.1093/acprof:oso/9780198775065.003.0007.

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Wilmarth Jr., Arthur E. "Conclusion." In Taming the Megabanks, 335–56. Oxford University Press, 2020. http://dx.doi.org/10.1093/oso/9780190260705.003.0014.

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A new Glass-Steagall Act would break up universal banks and end the conflicts of interest that prevent universal banks from acting as objective lenders and impartial investment advisers. It would produce a more stable and resilient financial system by reestablishing structural buffers to prevent contagion between the banking system and other financial sectors. It would improve market discipline by preventing banks from transferring their safety net subsidies to affiliates engaged in capital markets activities. It would shrink the shadow banking system by prohibiting nonbanks from issuing short-term financial claims that function as deposit substitutes. It would remove the dangerous influence that large financial conglomerates exercise over our political and regulatory systems. It would end the current situation in which our financial system and our economy are held hostage to the survival of universal banks and large shadow banks. It would restore our banking system and financial markets to their proper roles as servants—not masters—of nonfinancial business firms and consumers.
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Wilmarth Jr., Arthur E. "Introduction." In Taming the Megabanks, 1–14. Oxford University Press, 2020. http://dx.doi.org/10.1093/oso/9780190260705.003.0001.

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Universal banks arose in the U.S. during two periods in the past century—the 1920s and the late 1990s. On both occasions, universal banks in the U.S. and Europe promoted intense boom-and-bust cycles that led to global calamities—the Great Depression of the early 1930s and the Great Recession of 2007–09. Universal banks received extensive bailouts on both sides of the Atlantic during both crises. Three core features of universal banks cause them to generate destructive boom-and-bust cycles. First, pervasive conflicts of interest prevent them from acting as objective lenders or as impartial investment advisers. Second, bonus-driven cultures encourage their insiders to take speculative risks to produce short-term profits. Third, their ability to convert loans into asset-backed securities allows them to package risky loans into securities sold as purportedly “safe” investments to poorly informed investors. The Glass-Steagall Act of 1933 broke up universal banks and established structural buffers that prevented spillovers of risk between the banking system and other financial sectors. The U.S. avoided systemic financial crises after World War II until Glass-Steagall was undermined by regulators and ultimately repealed by Congress. Congress failed to adopt similar structural reforms after the Great Recession. As a result, universal banks continue to dominate our financial markets and pose unacceptable systemic dangers. We urgently need a new Glass-Steagall Act to break up universal banks again and restore a more stable and resilient financial system.
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Kumar Patel, Pawan, Amey Karkare, and Gaurav Raheja. "Inclusive Accommodations for Persons with Visual Impairments in Computer-Based Tests." In Universal Design 2021: From Special to Mainstream Solutions. IOS Press, 2021. http://dx.doi.org/10.3233/shti210399.

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The accommodations in exams (for example, scribe, compensatory time, and magnification) are widely used for many years to accommodate persons with visual impairments (PVIs). Nowadays, most of the exams are conducted using computers and web-based technologies, referred to as Computer-based tests (CBTs). These CBTs play an important role in the professional assessment of an individual, starting from university admissions, courses evaluation, and grading, to recruitment in various sectors like banking, software, railways, etc. Barriers in accessing certain components of the CBTs limit the utilization of Computer-based technologies for PVIs. In this research, the availability and effectiveness of common accommodations in CBTs were evaluated and reviewed. To the best of our knowledge, this is one of the early attempts from India to systematically study the effectiveness of these accommodations. Driven by a universal design approach, it can play a key role towards the development of an inclusive examination system.
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Conference papers on the topic "Universal banking system"

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Blasi, Lorenzo, Reijo Savola, Habtamu Abie, and Domenico Rotondi. "Applicability of security metrics for adaptive security management in a universal banking hub system." In the Fourth European Conference. New York, New York, USA: ACM Press, 2010. http://dx.doi.org/10.1145/1842752.1842792.

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