Search results for "Banks"
showing 10 items of 146 documents
Financial Crisis and Bank Ratings
2014
El principal objetivo de esta tesis doctoral es el análisis del comportamiento de las agencias de calificación cuando evalúan a las entidades bancarias así como el efecto que tienen sus ratings sobre los mercados financieros antes y durante la crisis financiera que se inicia en el año 2007. Si bien es cierto que en la literatura existen numerosos trabajos que se centran en el estudio de los ratings soberanos en cuanto a modelización e impacto que tienen los ratings en los mercados financieros, prácticamente ninguno de ellos se centra en el caso de los ratings bancarios y menos en el contexto de crisis financiera. El segundo capítulo de la tesis doctoral tienen como principal objetivo el aná…
www.Personal_Asset_Allocation.
2004
Today consumers demand delivery of financial services anytime and anywhere, and their needs and desires are evolving rapidly. The World Wide Web provides a rich channel for distributing customized services to a range of clients. An Internet-based system developed by Prometeia S.r.l. for Italian banks—both traditional and e-banks—supports consumers and financial advisors in planning personal finances. The system provides advice on allocating personal assets to fund consumers' needs, such as paying for a house, children's education, retirement, or other projects. State-of-the-art models of financial engineering—based on scenario optimization—develop plans that are consistent with clients' go…
Les sites du lit mineur de la Saône en Chalonnais (Saône-et Loire) à la fin du Bronze final
2017
The underwater archaeological campaigns carried out over twenty years, from 1970 to 1990, in the Saône valley, more particularly in the area of Chalon-sur-Saône, first by Louis Bonnamour and then by Annie Dumont, generated a considerable quantity of data concerning settlements, located on fjords or river banks. This documentation, stored at the Musée Denon in Chalon-sur-Saône, was the subject of new studies, initiated by Jean-Michel Treffort for the Ouroux-sur-Saône “Marnay” site and continued by Franck Ducreux, notably for the Chalon-sur-Saône “le gué des Piles” site. On this occasion most of the sites of the region having yielded protohistoric assemblages were reconsidered. This article p…
The Washington consensus and multinational banking in Latin America
2004
International audience; The dramatic increase in multinational banks in the late 1990s is a direct result of Washington Consensus-type policies that emphasize the removal of barriers to the free flow of financial capital. In Latin America, foreign banks now control almost half of the total banking activity. Inevitably, the direct implication of such circumstances is a fall in the profits of domestic banks. In response to this, domestic banks react by curtailing their overall lending in the short run, thereby preventing small borrowers from accession to credit, and eventually increasing their lending to riskier projects and borrowers in the medium run. Either way, the multinationalization of…
Ursula Hicks and Vera Lutz’s Contributions to Development Finance
2018
International audience; This paper analyses the different approaches of two pioneering economists in the field of development finance, Ursula Kathleen Hicks (1896-1985) and Vera Constance Lutz (1912-1976). While research in economics in the 1950s focuses predominantly on finance in already developed countries (Goldsmith, 1969 and Gurley and Shaw, 1955), Hicks and Lutz extended the analysis to developing countries and/or regions – an original initiative for this period of time. Interested in the study of money and banking, Hicks and Lutz nevertheless had different beliefs on the way to promote economic development. This difference of thought comes from differing philosophical backgrounds.
La caída de las cajas de ahorros españolas. Cuestión de rentabilidad, tamaño y estructura de propiedad=The Fall of Spanish Savings Banks. Question of…
2012
En España entre 2010 y 2011 se ha producido una gran restructuración financiera, que ha llevado a la práctica desa-parición de las Cajas de Ahorros mediante fusiones y posterior cambio de estructura de la propiedad convirtiéndose en bancos. Esta gran restructuración ha sido promovida por el Banco de España, como salida para que las entidades financieras subsistieran a la crisis que les afectaba. Este trabajo analiza los bancos y cajas del sistema financiero español durante los cuatro años previos al comienzo de la reestructuración financiera del 2010. El objetivo es comprobar si existen diferencias en cuanto a rentabilidad por causas de tamaño y tipo de gobierno de la entidad (cajas de ahor…
Directionlets: Anisotropic Multidirectional representation with separable filtering
2006
In spite of the success of the standard wavelet transform (WT) in image processing in recent years, the efficiency of its representation is limited by the spatial isotropy of its basis functions built in the horizontal and vertical directions. One-dimensional (1-D) discontinuities in images (edges and contours) that are very important elements in visual perception, intersect too many wavelet basis functions and lead to a nonsparse representation. To efficiently capture these anisotropic geometrical structures characterized by many more than the horizontal and vertical directions, a more complex multidirectional (M-DIR) and anisotropic transform is required. We present a new lattice-based pe…
Food Assistance
2018
Food assistance and food charity refer to practices where public, private, or third sector actors provide food (or resources to acquire food) to individuals or households that face hunger or food shortage. The food is provided for free or for a minimal cost and the provision is conducted through varying services like food banks. Domestic food assistance practices are realized in relations between a collective (the provider or donor) and individuals (the recipients of the assistance). For those international practices of food aid that take place between collectives, typically nations or global food aid organizations and recipient countries, see the entry for Food aid. Currently, approximatel…
THE STABILITY, RISK AND PERFORMANCE OF COOPERATIVE BANKS
2013
In a market economy, tradition, stability and performance of cooperative banks, namely science and art of leadership, management, organization and their administration become major facets in promoting and improving cooperative banks, at the microeconomic level, to which we provide a coherent set of concepts, principles, methods and management techniques, their knowledge contributing to the viability and practical implementation, modernization and development of cooperative banks to increase their profitability and competitiveness in heightened risk conditions on local, national and even global markets. In the context of major changes in Romanian society, the action of the forces inside the …