Financial system deregulation

Part 1 of ebook "Housing affordability and housing investment opportunity in Australia" provides readers with contents including: major reasons for an increase in the number of institutions offering home loan products and in the number of home loan products offered in the australian home loan market; introduction to contemporary residential mortgage (home loans) lending products;...

105p lytamnguyet 04-08-2023 6 3   Download

In contrast to the consequences of change that are equally covering strategy, processes, leadership, company culture, and information systems (Kelly, 1998), most of the triggers and enablers of change can be located in IT (Evans, Wurster, 1999).

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Poor people juggle complex financial transactions every day and use sophisticated techniques to manage their finances, whether they use the formal financial system or not. 4 We cannot assume that all those who do not use formal financial services are somehow constrained from participating in the formal financial sector—ac- cess and use are not the same thing. But the recent success of mobile money in Sub-Saharan Africa shows that innovations can bring about dramatic changes in how people engage in financial transactions.

37p mebachano 01-02-2013 41 3   Download

As deregulation and liberalisation has led to the emergence of global financial markets, banks expanded their international operations and moved into multiple lines of financial business. They developed complex risk management strategies that have allowed them to price financial products and hedge their risk exposures in a manner that improves expected profits, but which may generate more risk and increase liquidity problems in certain circumstances.

43p machuavo 19-01-2013 43 2   Download

Since the mid-1990s, the Indian financial system has been steadily if incrementally deregulated and more exposed to international financial markets. Its rapid transformation has been accompanied by strong economic growth, increased market robustness, and a considerable increase in efficiency. Reforms are continuing with the development of appropriate market regulation and an associated payment and settlement system, as well as greater integration into global financial markets.

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This paper discusses the effects of bank competition on bank loan and deposit rate levels as well as on their responses to changes in market rates and, hence, on the monetary policy transmission mechanism. Given the prominent role of the banking sector in the euro area’s financial system, it is of significant importance for the ECB to monitor the degree of competitive behaviour in the euro area banking market. A more competitive banking market is expected to drive down bank loan rates, adding to the welfare of households and enterprises.

25p taisaocothedung 09-01-2013 65 6   Download