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Mô hình thúc đẩy kinh doanh dành cho ngân hàng bán lẻ

Việc thực hiện xây dựng mô hình kinh doanh, xây dựng chính sách thì có thể thực hiện được ngay, tuy nhiên để thay đổi tư duy của nguồn lực để có thể thực thi các mô hình kinh doanh mới hiệu quả đòi hỏi cần có thời gian, chiến lực truyền thông mạnh mẽ. Tài liệu thông tin đến độc giả một số gợi ý nhằm xây dựng mô hình kinh doanh hiệu quả hơn cho các ngân hàng bán lẻ. Để nắm chi tiết nội dung mời các bạn cùng tham khảo tài liệu.


Empirical evidence of financial services marketing in the Nigerian banking industry

The hypotheses tested found that marketing of bank’s products and services has improved the efficiency of deposit money banks banking system and created satisfied bank customer. We recommend that all the units of the bank should be involved in marketing while banks should continue to make their customers feel important and have well equipped and experienced staff personnel in customer services unit to be able to provide solutions to customer’s complaints and challenges.


Did linear stochastic processes predict accurately short term interest rate intertemporal behaviour?

This article attempts to identify the best model of the short term interest rates that can predict its stochastic process over time.


Can liquidity constraints explain the differences of growth across countries?

This paper conducts an empirical research on the relations between liquidity constraints and economic growth. Based on Kiyotaki & Moore (2019), we establish our econometric model and do regressions with a panel data covering 33 countries from 1996 to 2017.


Audit quality and earnings response coefficients of quoted companies in Nigeria

This study examines whether Audit Quality has any impact or relationship with earnings response coefficients of companies in Nigeria. Pursuant to this objective, archival data were extracted from annual reports of 57 companies quoted on the Nigerian Stock Exchange (NSE) between 2006 and 2011.


Corporate governance practices in commercial banking sector of Malawi: Evidence from annual reports

The study apart from providing insight and evidence of the extent of corporate governance practices of banks in developing countries, it further highlights to the regulators and practitioners in the banking industry of existing gaps that need filling in order to fully comply with the corporate governance guidelines for banks in Malawi.


An evidence for ineffectiveness of central bank foreign exchange interventions from Turkey

This study examines the effects of the Central Bank of the Republic of Turkey’s foreign exchange interventions via auctions on the level and volatility of the Turkish lira/US dollar exchange rate between February 02, 2009 and January 31, 2014 with daily data. In order to study the impact of interventions on the Turkish lira, this study employs the Exponential GARCH (1,1) framework.


Bank return volatility and management structure

This study investigates the dynamic relationship between bank management structure, payment contract and bank return volatility. We find that increasing the sensitivity of executives pay to equity risk will increase bank return volatility. When CEOs are also the chairs of board directors, bank risk is higher. As banks expand more risky investments, the risk level of the banks is higher. These results hold not only for commercial banks but also for savings and loan institutions.


Illiquidity, systemic risk, and macroprudential regulation: The case of Taiwan's capital market

The guidance formulated by G20 to assess the systemic importance of financial institutions, markets and instruments (IMF, BIS, and FSB, 2009 [19]) analyzes that the effective control of systemic risk is one of the most important things in the macroprudential regulation at current stage. Although the current banking regulation focuses on funding liquidity risk such as LCR and NSFR of Basel III, financial institutions would actually have highly procyclical effects between funding and market liquidity at the same time, leading to liquidity spirals and threatening to financial stability. We therefore propose a market liquidity, systemic risk and macroregulation analysis framework in Taiwan's capital market to fill this gap.


Validating black-scholes model in pricing Indian stock call options

Derivatives’ trading was introduced in India during 2001, and the trade value of derivatives is almost three times that of cash market trade values. However, only about 20 percent of the options offered by the National Stock Exchange (NSE) are traded on an active basis. This is perhaps due to the lack of investor education about options and its pricing methodology. It is hoped that research on option pricing in India will enable investors to understand the mechanism of option pricing and its use as a tool to hedge risks. This empirical paper uses more than 95,000 call options to test the validity of the Black-Scholes (BS) model in pricing Indian Stock Options.


The role of the macro-economic factors in the credit risk management in Tunisian deposit banks

This article provides an evaluation of the effect of the macroeconomic factors on credit risk in Tunisian banks. These factors are mainly the financial liberalization and the monetary policy. The first is manifested through the liberalization of interest rates, competition and the entry of foreign banks. The second, on the other hand, is exerted by the supervising authorities and includes the interest rate, the injection of money and the regulatory ratio.


Impact of ownership structure on financial performance of banks: Case of Tunisia

The ownership structure and financial performance are two important variables in the banking sector . Indeed , shareholders have the incentive of control and discipline of managerial decisions .


Impact of ownership structure on financial performance of banks: The impact of capital structure on firm’s performance evidence from Saudi Arabia

The purpose of this paper is to empirically investigate the impact of capital structure on the performance of non-financial firms operating in Saudi Arabia as one of emerging or transition economies. Panel econometric technique called fixed effect regression is used for the period between 2004 and 2012.Sample data includes 74 companies.


Short-term stock price behaviour around European cross-border bank M&As

The current study explores the short-term stock price reaction of cross-border bank mergers and acquisitions (M&As) in Western Europe for the period 1998-2009 which includes 40 M&A deals. Employing the classical event study methodology, we probe into the stock price effects of cross-border bank M&As by calculating abnormal returns for both bidders and targets.


Iceland’s currency options

This paper employs cointegration techniques to determine the degree of convergence of Iceland’s nominal interest rates and inflation rates with that of Canada and the Euro area. Nominal interest rates are used here as an indicator of financial market integration and inflation rates, a measure of monetary policy integration.


The dynamic market-derived capital pricing model: Theoretical foundations and empirical analysis

In this paper we propose a dynamic version of the Market-Derived Capital Pricing Model (MCPM) of McNulty, Yeh, Schulze and Lubatkin (2002).By introducing the competitive advantage period “CAP” in the algorithm of this model, we develop the Dynamic Market-Derived Capital Pricing Model (DMCPM).


What determinants China’s mortgage credit boom

In this paper we investigate the relationship between housing prices and mortgage lending in China. We analyze a sample of 28 Chinese domestic commercial banks during the period between 2003 and 2009. Our results suggest that the urbanization process in China contributes substantively to the mortgage credit boom. We find a distinct behavior of the economic housing market, in which the housing price and mortgage credits affect each other adversely. The monetary policy has a greater impact on the mortgage lending than banks’ characteristics. Raising bank reserves is a relatively effective instrument to control the mortgage credit boom. Our findings have important policy implications and account for the existing monetary policies which are implemented in China.


Credit supply response to non-performing loans: Some evidence from the Italian banking system

Do high levels of NPLs depress credit supply? And, what are the implications of NPL buildups on banks' lending behaviour? To answer these questions we estimate impulse responses using [1] local projections on an unbalanced sample of Italian banks observed from 2009 to 2016. Our results provide fresh evidence on the negative association between NPLs and banks' loans supply. More specifically, we find that an unexpected shock to the level of NPL ratio is negatively associated to credit supply for at least two years after. Similarly, an unanticipated NPL ratio buildup is related to banks adopting a conservative lending behaviour in the following four years.


Cross usage of banks and credit unions

Federal Credit Unions (FCU’s) represent a growing part of consumer banking in the United States. They are aggressively seeking new customers in many markets, and are no longer the financial institution of choice for only company/organization employees who have very unsophisticated financial needs. This article examines survey data from almost 1,7000 households in a mid-sized US city to explore the degree to which consumers use both credit unions and banks across several debit and loan products.


Analysis of the pro-cyclical behavior of credit spread in Chinese bond market

This paper studies the relationship between credit spread and economic cycle in China. Using secondary market transaction data in the Chinese inter-bank bond market, paper finds that credit spread behaves pro-cyclically with economy growth, which is counter to asset pricing theory and empirical findings from developed bond markets. This relationship illustrates that pricing efficiency in Chinese bond market is very low.


Credit expansion and misallocation

In response to the global financial crisis in 2008, the Chinese government launched a 4-trillionyuan economic stimulus plan, which represented a typical episode of government intervention in the economy. This paper analyzed the impact of the stimulus plan, which mainly took the form of bank credit lines, on resource allocation and aggregate productivity. Using manufacturing data from 2001 to 2013, we showed empirically that it pulled up the total demand in the short term, but by extending excessive credit to weak firms, it created resource misallocation and over-capacity in the long term.


Perspectives of turkish banks on Basel II

This research is concerned with Turkish banks’ perception on effectiveness of Basel II, it also aims to capture the possible ‘side-effects’ of Basel II on real economy. It examines how new regulations affect banks’ risk management strategies and bank-borrower relationships and analyzes the role of rating agencies and possible consequences of this intermediation on credit allocation to Small and Medium Sized Enterprises and on banks’ marketing strategy(ies).


Financial inclusion through mobile banking: A case of Bangladesh

The results of Structural equation modeling (SEM) indicate that Perceived financial cost, Perceived risk and Subjective norm are the most influencing factors that affect people’s behavioral intention to adopt (or continue to use) mobile banking. Findings of this study have greater significance for the mobile banking service providers and policy makers of Bangladesh to design mobile banking services in such a way so that access and usage of this service can be increased which ultimately will have a positive impact on the country’s financial inclusion campaign.


The divergence of long - and short-run effects of manager’s shareholding on bank efficiencies in Taiwan

This paper adopts a panel error-correction model to explore dynamic impact of manager’s shareholding on bank efficiencies by utilizing the pooled mean group. The sample comprises unbalanced panel data of 30 Taiwanese listed domestic commercial banks over the period 1998 to 2009. Empirical results show divergence of long- and short-run effects of manager’s shareholding on bank efficiencies. The effect of manager’s shareholding exerts a significantly positive effect on technical efficiency in the long run while coexisting with a negative short-run relationship. Conversely, increase in manager's shareholding leads to a reduction of scale efficiency in the long run whereas its short-run effect on scale efficiency is positive.


The impact of bank characteristics on the efficiency: Evidence from mena Islamic banks

This study aims at analyzing the efficiency Islamic banks by using the non-parametric data envelopment analysis (DEA), to estimate five efficiency scores for each bank, and to study the impact of the banking characteristics on efficiency scores. Based on a sample of Islamic banks in the MENA region over the period 2005-2009, we have shown that the dominant source of overall inefficiency of these banks is organizational (technical inefficiency) rather than regulatory (allocative inefficiency).


Cross-listing, volatility and liquidity: Evidence from a perfectly segmented market

Past evidence show that the impact of cross-listings in foreign markets on the volatility and liquidity of shares in domestic market depends the market transparency (or informational linkage between markets) and the effect of order flow migration from domestic market. Listed companies in Mainland China can issue two different classes of stocks.


Banks and young people in Italy: Financial product, credit and other features

The financial crisis has affected all aspects of the global economy and has certainly exacerbated the social and economic conditions that young people are experiencing in many European countries.


Transmission of the U.S. subprime crisis and the European sovereign debt crisis to emerging markets

This paper evaluates the transmission of the U.S. Subprime Crisis and the European Sovereign Debt Crisis to sixteen emerging markets. A GARCH model is formulated to test for the transmission of shocks and for transmission effects through financial channels. The bankruptcy of Lehman Brothers and the Greek debt restructuring are used as breakpoints for these sub-periods. The U.S. stock market has a significant transmission effect on emerging markets at the early stage of the crises and normal time, whether in terms of a contemporaneous day or a one-day lag time.


Impact of internal factors on bank profitability: Comparative study between Saudi arabia and Jordan

This paper investigated the internal factors that affecting profitability of banks. The main objective was to compare the profitability of the Saudi and Jordanian banks by using the internal factors for estimations. The necessary data was collected from secondary sources. A sample of twenty three Saudi and Jordanian banks was considered with 161 observations for the period 2005-2011.


Determinants of bank profitability: Evidence from Syria

This study investigates the determinants of bank profitability in the Syrian banking sector. It seeks to identify significant bank-specific, industry-specific, and macroeconomic determinants of bank profitability in Syria. We utilize the Generalized Method of Moments (GMM) technique on unbalanced panel data set the covers the period from 2004 until 2011. The empirical results reveal that profitability persists to a moderate extent.


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