scholarly journals The market of banking services to population: the crisis of confidence, and its impact on perspectives of overcoming

2012 ◽  
Vol 2012 (2) ◽  
pp. 51-66
Author(s):  
Svitlana Brus ◽  
Yevhen Bublyk
Keyword(s):  
Financial Crisis ◽  
Commercial Banks ◽  
Economic Conditions ◽  
Banking Services ◽  
Modern Economic ◽  
Current Financial Crisis

In the article have been described main features of commercial banks politics in the field of deposit and credit services for the physical persons during the current financial crisis. There are considered reasons of declining people trust to the banks and tendency to change bank politics according to act of intensifying crisis of trust and credit resources shortage. Researched problems of reactivation commercial banks credit activity in modern economic conditions.

scholarly journals The effects of the bank holding equity of the firm: from a moral hazard perspective

2008 ◽  
Vol 6 (1-4) ◽  
pp. 459-466
Author(s):  
Buhui Qiu
Keyword(s):  
Financial Crisis ◽  
Asymmetric Information ◽  
Moral Hazard ◽  
Commercial Banks ◽  
Moral Hazard Problem ◽  
The Us ◽  
Equity Holding ◽  
Will Force ◽  
Current Financial Crisis ◽  
Risky Projects

After the repeal of the Glass-Steagall Act in 1999, commercial banks are allowed to hold equity in firms. The current financial crisis also helps make banks universal in the US. This paper investigates the effects of the bank’s equity holding of the firm from a moral hazard perspective. The bank’s equity holding of the firm is shown to help mitigate the conflicts between the firm’s shareholders and debtholders. However, it also creates another moral hazard problem, namely, the bank as an institutional shareholder can collude with the firm manager to pursue perks from project return. Without this moral hazard problem, the bank’s optimal equity holding of the firm is shown to be at the point where its share of the firm’s equity equals its share of the firm’s debt. With this moral hazard problem being taken into consideration, the bank’s optimal equity holding should be less than its debt share in the firm. Otherwise, the bank will force the firm to pursue overly risky projects. If asymmetric information is introduced into the model, the bank’s equity holding becomes a signal to the outside debtholders, thus should be capped above by a certain level. Thus, the paper shows that regulations still need to be imposed on banks’ equity holding in firms.

scholarly journals The National Bank of Romania monetary policy characteristics in addition to the current financial crisis

2012 ◽  
Author(s):  
Stefan Sambotin ◽  
Andreea Bucur
Keyword(s):  
Monetary Policy ◽  
Financial Crisis ◽  
Central Bank ◽  
Economic Crisis ◽  
Commercial Banks ◽  
Economic Life ◽  
Starting Point ◽  
Global Economic Crisis ◽  
National Bank ◽  
Current Financial Crisis

Considering the starting point for research the Central Bank key role in economic life, through the implementation of the monetary policy, by exercising prudential control and supervision of commercial banks, the present paper proposes an analysis of the National Bank of Romania monetary policy coordinates in the frame of the increased intensification harsh effects of the global economic crisis.

Innovation and investment framework for the development of competitive fisheries and aquaculture

2019 ◽  
pp. 31-38
Author(s):  
Nataliia Vdovenko ◽  
Maryna Pavlenko ◽  
Elena Hryniuk
Keyword(s):  
Economic Conditions ◽  
Technological Parameters ◽  
Critical Situation ◽  
Competitive Activity ◽  
Scientific Approach ◽  
Production Technologies ◽  
Modern Economic ◽  
Innovative Economy ◽  
Combination Of Methods ◽  
Production Plans

The purpose of the article it consists in the substantiation of innovation and investment principles of competitive development of fisheries and aquaculture in order to effectively conduct business in modern economic conditions and to comply with technological parameters of production, introduce innovations in production, and economical attitude to fish and water resources. Methodology research consists in using a combination of methods: economic-statistical, monographic, systemic, economic-mathematical, abstract-logical and others. The scientific novelty the re- sults obtained include the introduction of innovative, economically viable and competitive production technologies based on a scientific approach to organizing an aquaculture business, namely the ability to quickly and efficiently respond to external challenges, find a way out of a critical situation and correctly adjust production plans in accordance with changes in market conditions. Conclusions. Substantially modern principles of the effective functioning of fisheries in order to ensure competitive activity. Regulatory tools are proposed to ensure the profitability of the aquaculture business, which include attracting in- vestments for the acquisition of capital goods, training specialists and constantly improving their skills, and ensuring efficient fisheries production in an innovative economy.

Mutual fund management in the period of financial crisis

2017 ◽  
Vol 31 (2) ◽  
pp. 75-81
Author(s):  
О. А. Bank
Keyword(s):  
Financial Crisis ◽  
Mutual Fund ◽  
Economic Recession ◽  
Investment Strategy ◽  
Economic Conditions ◽  
Investment Strategies ◽  
Fixed Income ◽  
Fund Management ◽  
Fund Managers ◽  
Different Types

Mutual fund managers do not have full freedom in choosing investment strategies - they are limited both by the laws and by investment declarations of the funds. Investment strategy cannot be fully changed even in financial crisis but it only can be corrected. This fact could not be characterized as a disadvantage because different types of funds are efficient in different time even during the same economic recession. Mutual fund manager should rationally invest funds of their clients: it is better to keep the maximum possible part of the portfolio in cash and instruments with fixed income on the declining market and it is better to keep shares on the rising market. However the choice of bonds also as the choice of shares should pay respect for the features of these instruments during unfavorable economic conditions. Russian mutual fund management differs from fund management in other countries as in stable economic situation so in the circumstances of financial crisis.

Finanzkrisen in Deutschland – Vergleichsperspektiven und Ursachenforschung

2011 ◽  
Vol 52 (2) ◽  
Author(s):  
Harald Wixforth
Keyword(s):  
Financial Crisis ◽  
Banking Crisis ◽  
Current Crisis ◽  
Current Financial Crisis

AbstractThe current financial crisis has provoked keen discussion on how to analyze and compare similar types of crises, in order that we might be able to draw lessons from history. This article attempts to outline different instruments of comparison. It also tries to compare the German 1931 banking crisis to the current crisis, in order to highlight parallels and differences.

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