Internal Rating Based Models: Do They Matter for Bank Profit Margins?

Purpose. Disclosure of the peculiarities of the organization of modern training of university students with a risky perception of reality in order to form basic competencies for future professional activities.Methods. As part of the study, the following were used: the systematization method, the structural analysis method and the numeric rating method.Results. The peculiarities of riskology training in the construction of an individual educational route are determined, in which the possibility of students independently choosing disciplines to realize their own interests in various fields of knowledge is used. Methods of obtaining risk identification skills from trainees are formulated. It is determined that using the intuitive method of risk formalization is the most accessible and expeditious way to remember the possibility of risks. The need to develop a sustainable habit of assessing risks in the future and in fact is justified. This skill is successfully developed using a numeric rating method. The need to develop an internal rating scale for each student is justified, which is useful for making decisions. Disclosed is a method of assimilating risk analysis skills in dynamics. This allows you to identify the development of forecast estimates in comparison with the fact for each individual risk and compile several risks.Conclusion. An educational experiment on the introduction of the Riskology discipline for students ofTyumenStateUniversity suggests that they have successfully overcome the stage of high risk of perception of reality that arose during the COVID-19 pandemic. The acquired knowledge and practical skills will ensure a similar perception of other events in their lives and professional activities. It is necessary to fully expand such practices and find an opportunity to supplement educational programs in universities, regardless of their orientation, with disciplines that directly reveal the nature of risk in human life and give them the ability to manage them.

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Optimization heuristics for determining internal rating grading scales

Computational Statistics & Data Analysis ◽

10.1016/j.csda.2009.03.004 ◽

2010 ◽

Vol 54 (11) ◽

pp. 2693-2706 ◽

Cited By ~ 20

Author(s):

M. Lyra ◽

J. Paha ◽

S. Paterlini ◽

P. Winker

Keyword(s):

Internal Rating ◽

Optimization Heuristics ◽

Grading Scales

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Do Profit Margins of Pharmaceuticals Influence Reimbursement Decisions? A Discrete Choice Experiment Among Dutch Healthcare Decision Makers

Value in Health ◽

10.1016/j.jval.2021.08.007 ◽

2021 ◽

Author(s):

Joost J. Enzing ◽

Sebastian Himmler ◽

Saskia Knies ◽

Werner B.F. Brouwer

Keyword(s):

Discrete Choice Experiment ◽

Discrete Choice ◽

Choice Experiment ◽

Decision Makers ◽

Healthcare Decision ◽

Profit Margins

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Economic Realities Associated With Diabetes Care: Opportunities to Expand Delivery of Physical Therapist Services to a Vulnerable Population

Physical Therapy ◽

10.2522/ptj.20070383 ◽

2008 ◽

Vol 88 (11) ◽

pp. 1417-1424 ◽

Cited By ~ 6

Author(s):

Rhea Cohn

Keyword(s):

Health Insurance ◽

Physical Therapists ◽

Physical Therapist ◽

Indirect Costs ◽

Market Forces ◽

Employee Productivity ◽

Newly Diagnosed ◽

Profit Margins ◽

Current Trends

Each year, more Americans are newly diagnosed with type 2 diabetes mellitus. The costs for managing this disease are high, and the cascade of problems associated with poorly controlled diabetes is significant. At the same time, the number of uninsured or underinsured Americans is growing. This article describes current trends in health insurance availability and coverage for the growing number of people with diabetes and addresses the direct costs associated with treating this disease. The economic burden of health care for people with diabetes continues to escalate. Payers and employers are interested in decreasing their direct and indirect costs, improving profit margins, decreasing employee absenteeism, and increasing employee productivity. For physical therapists to recognize existing or new opportunities to participate in the management of this costly disease, it is critical that they understand how employees, payers, and employers are responding to the changing market forces affecting health insurance.

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PROFIT LEVELS STAGNATING AT HOSPITALS

PEDIATRICS ◽

10.1542/peds.95.4.597 ◽

1995 ◽

Vol 95 (4) ◽

pp. 597-597

Author(s):

J. F. L.

Keyword(s):

Health Care ◽

Medical Care ◽

The Elderly ◽

Health Care Executives ◽

Profit Margins ◽

Care For The Elderly ◽

The Poor

Profit margins at most hospitals across the country declined or stagnated last year, reflecting growing pressure on them to reduce costs. And health care executives said many hospitals would be under even greater pressure in 1995 if Congress enacted proposals that would slash spending for medical care for the elderly and the poor. At investor-owned hospitals, the outlook is brighter, because many of them have moved aggressively to merge and cut costs. Profit at these hospitals has risen in the 1990s.

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Design for Variety: A Methodology for Understanding the Costs of Product Proliferation

Volume 4: 8th International Conference on Design Theory and Methodology ◽

10.1115/96-detc/dtm-1610 ◽

1996 ◽

Cited By ~ 1

Author(s):

Mark V. Martin ◽

Kosuke Ishii

Keyword(s):

Indirect Costs ◽

Product Line ◽

Decision Makers ◽

Profit Margins ◽

Design For Variety ◽

Set Up ◽

Market Coverage ◽

Product Proliferation ◽

The Cost

Abstract This paper further develops the previously introduced concept of Design for Variety (DFV). Our study seeks a tool that enables product managers to estimate the cost of introducing variety into their product line. This will help them to maximize market coverage while maintaining required profit margins. Variety incurs many indirect costs that are not always well understood or are difficult to capture. These costs are often not considered by people making the decision about introducing variety. Our DFV model attempts to capture these indirect costs through the measurement of three indices: commonality, differentiation point, and set-up cost. These indices will allow the decision makers to estimate some of the generally unmeasurable costs of providing variety. We conclude this paper by discussing our validation plans for testing the model in industry.

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Sydney rock oyster farming in Australia.

10.1079/ac.62462.20203483183 ◽

2020 ◽

Author(s):

John Nell

Keyword(s):

New South ◽

Quality Assurance Program ◽

First Year ◽

Water Sampling ◽

Time To Market ◽

Profit Margins ◽

Rock Oyster ◽

South Wales ◽

Sampling Programme

Abstract The 120-year-old Sydney rock oyster industry in New South Wales (NSW) and southern Queensland is one of the oldest aquaculture industries in Australia. The industry has been forced to adapt to competition from other species, tighter harvesting and oyster storage and handling requirements as well as eroding profit margins. Recent changes in farming practices include the move away from stick culture to single seed culture, as the half-shell market demands a more uniformly shaped oyster. When selective breeding demonstrated that it could reduce time to market (50 g whole weight) by nearly a year out of an industry average of 3.5 years, the industry wanted to try hatchery technology. Although the industry had never used hatchery technology before, it purchased 10 million spat or 8% of its annual spat requirement from hatcheries in 2003-2004, the first year that they were made available to farmers. The industry also embraced the Australian Shellfish Quality Assurance Program, which requires that shellfish harvest areas be classified on the basis of a sanitary survey and the results of an ongoing strategic water-sampling programme. This programme ensures product safety for the consumers and helps to provide the industry with a long-term future.

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How to Boost the Payoff from Innovation While Shrinking its Destructive Side Effects

The Business History Review ◽

10.1017/s000768052100101x ◽

2021 ◽

Vol 95 (4) ◽

pp. 823-840

Author(s):

Robert J. Gordon

Keyword(s):

Climate Change ◽

Economic Growth ◽

Side Effects ◽

Wealth Inequality ◽

Profit Margins ◽

Income Share ◽

The Rich ◽

Human Costs ◽

Deaths Of Despair

Gather a group of economists together and ask what most concerns them, and a wide variety of topics would soon emerge: slowing economic growth in the rich nations, the inability of many poor nations to converge toward the rich, rising income and wealth inequality, the increasing dominance of superstar firms, growing profit margins and the decline in labor's income share, globalization and the human costs of outsourcing, deaths of despair, and the threat of climate change. Decade after decade, numerous books have been written about each of these issues. But here we have in one compact package a blockbuster book that deals with all of them.

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