The Pros and Cons of Regulating Corporate Reporting: A Critical
... of proprietary costs, firms may not fully internalize all the costs and benefits of their disclosure decisions, leading to over- or under-production of public information. For example, disclosures by one firm may also reveal information about other firms, where the disclosing firm does not benefit f ...
... of proprietary costs, firms may not fully internalize all the costs and benefits of their disclosure decisions, leading to over- or under-production of public information. For example, disclosures by one firm may also reveal information about other firms, where the disclosing firm does not benefit f ...
Another Look at Risks in Financial Group Structures
... theory, subject to the limits allowed by law or regulation, where integration can occur across products, across sectors, or across borders. At one end of this spectrum would be complete specialisation, as reflected, for example, in a single-sector, single-product institution, such as a mortgage brok ...
... theory, subject to the limits allowed by law or regulation, where integration can occur across products, across sectors, or across borders. At one end of this spectrum would be complete specialisation, as reflected, for example, in a single-sector, single-product institution, such as a mortgage brok ...
ANZ Submission to the Taskforce on Reducing the Regulatory
... While the policy intent of such provisions is to ensure shareholders are informed about remuneration policies, and ANZ has no objection to the requirement in principle, the level of detail required means remuneration reports are long. This adds considerably to the length of the concise annual report ...
... While the policy intent of such provisions is to ensure shareholders are informed about remuneration policies, and ANZ has no objection to the requirement in principle, the level of detail required means remuneration reports are long. This adds considerably to the length of the concise annual report ...
Overview of the Consumer Financial Protection Bureau
... Promoting greater financial understanding of the products and services that consumers are purchasing also is important for the CFPB. Even before the CFPB had a director, the agency began the process of developing model mortgage disclosure forms for consumers as part of its Know Before You Owe progra ...
... Promoting greater financial understanding of the products and services that consumers are purchasing also is important for the CFPB. Even before the CFPB had a director, the agency began the process of developing model mortgage disclosure forms for consumers as part of its Know Before You Owe progra ...
Financial Stability, Regulatory Buffers, and Economic Growth
... As shown below, the emphasis on economic growth leads regulators to focus on specific indicators of financial health to guide their supervisory actions, but those indicators are not effective at identifying financial fragility. In addition, whenever regulatory actions are proposed to restrain innov ...
... As shown below, the emphasis on economic growth leads regulators to focus on specific indicators of financial health to guide their supervisory actions, but those indicators are not effective at identifying financial fragility. In addition, whenever regulatory actions are proposed to restrain innov ...
Understanding Financial Regulation And How It Works
... Prudential regulation: deposits, payments and e-money Outsourcing and use of agents ...
... Prudential regulation: deposits, payments and e-money Outsourcing and use of agents ...
Document
... Provide state insurance departments services and support in the areas of: - financial, actuarial, legal, technology, research, market conduct and economic expertise. NAIC maintains a Technology Center that houses ten years of history for over 5,200 insurance companies, and 4,000,000 insurance ag ...
... Provide state insurance departments services and support in the areas of: - financial, actuarial, legal, technology, research, market conduct and economic expertise. NAIC maintains a Technology Center that houses ten years of history for over 5,200 insurance companies, and 4,000,000 insurance ag ...
Financial Development, Assets and International Trade
... The above proxies of financial system measures the availability of finance or more aptly activity of financial intermediaries. However, ideally an efficient mobilization and allocation of resources should also include measures that capture the size and activity of the stock market. To this end we us ...
... The above proxies of financial system measures the availability of finance or more aptly activity of financial intermediaries. However, ideally an efficient mobilization and allocation of resources should also include measures that capture the size and activity of the stock market. To this end we us ...
Financial Development and Capital Account Openness. What Links between Them?
... effects of capital account openness as following. Firstly, healthy and sound financial system is principal to prevent financial crises and ensure the liberalization success. Under the background of capital account openness, the aggregate and the structure of capital inflow depend on the development ...
... effects of capital account openness as following. Firstly, healthy and sound financial system is principal to prevent financial crises and ensure the liberalization success. Under the background of capital account openness, the aggregate and the structure of capital inflow depend on the development ...
Top 10 regulatory challenges for banking and capital markets
... externally provided governance, risk management, and compliance (GRC) regulatory change tools. This change framework will enable institutions to improve coordination across their operating silos (business and location) and gain new insights that can improve overall performance, ensure risk managemen ...
... externally provided governance, risk management, and compliance (GRC) regulatory change tools. This change framework will enable institutions to improve coordination across their operating silos (business and location) and gain new insights that can improve overall performance, ensure risk managemen ...
Palani 2 - Welcome to Bharathidasan University Central Library
... For the purpose of analysis, the various items of assets and liabilities of Balance sheets are shown not at their absolute figures but at their relative values. In other words, each item of asset is converted into percentage to Total Assets and each item of capital and liabilities is expressed into ...
... For the purpose of analysis, the various items of assets and liabilities of Balance sheets are shown not at their absolute figures but at their relative values. In other words, each item of asset is converted into percentage to Total Assets and each item of capital and liabilities is expressed into ...
Guide to Cert May 033.2 (Page 1)
... One-third of consumers have a written financial plan (33%); consumers with a written plan are more likely to feel satisfied with how they manage their financial affairs. • Thirty-three percent of consumers surveyed have a written financial plan, with this number increasing as people age and acquire ...
... One-third of consumers have a written financial plan (33%); consumers with a written plan are more likely to feel satisfied with how they manage their financial affairs. • Thirty-three percent of consumers surveyed have a written financial plan, with this number increasing as people age and acquire ...
This consultation seeks to establish:
... It seems that this relationship of trust has not been tested substantially to date as evidenced by the fact that many prepaid service providers make no arrangements in their customer contracts to refund unused prepaid credit to customers if requested. Of course, were this relationship to be tested, ...
... It seems that this relationship of trust has not been tested substantially to date as evidenced by the fact that many prepaid service providers make no arrangements in their customer contracts to refund unused prepaid credit to customers if requested. Of course, were this relationship to be tested, ...
Regulating Systemic Risk - NYU Stern School of Business
... systemic fund. Thus, the insurance acts like a tax. The pricing of the insurance is a multivariate put option on the firm’s losses conditional on the aggregate market falling. One of the issues is that there may not be enough capital available in the private insurance industry to cover the poten ...
... systemic fund. Thus, the insurance acts like a tax. The pricing of the insurance is a multivariate put option on the firm’s losses conditional on the aggregate market falling. One of the issues is that there may not be enough capital available in the private insurance industry to cover the poten ...
Chapter 31 - Developing Financial Policies
... school board can spend time on other financial issues. These policies also allow the LUA's administration to move ahead with financial matters, as they follow the adopted financial policies, rather than wait for decisions from the school board. ...
... school board can spend time on other financial issues. These policies also allow the LUA's administration to move ahead with financial matters, as they follow the adopted financial policies, rather than wait for decisions from the school board. ...
Financial Services Act 2012: A New UK Financial Regulatory
... The Financial Services Act 2012 (the "Act"), which comes into force on 1 April 2013, contains the UK government's reforms of the UK financial services regulatory structure and will create a new regulatory framework for the supervision and management of the UK's banking and financial services industr ...
... The Financial Services Act 2012 (the "Act"), which comes into force on 1 April 2013, contains the UK government's reforms of the UK financial services regulatory structure and will create a new regulatory framework for the supervision and management of the UK's banking and financial services industr ...
Analysis Methods Procedures for Assessing the Stability of Business
... All these phenomena can cause distortions in the allocation of scarce resources is capital, disturbing signal constellation which economic agents base their decisions: artificial prices, profitability erroneous assessments, deformed division of risks, insufficient or excessive risk premiums etc. Du ...
... All these phenomena can cause distortions in the allocation of scarce resources is capital, disturbing signal constellation which economic agents base their decisions: artificial prices, profitability erroneous assessments, deformed division of risks, insufficient or excessive risk premiums etc. Du ...
Consumer Protection - Financial System Inquiry
... It is beyond the scope and resources of the Inquiry to provide a comprehensive evaluation of, or to provide detailed recommendations on, the specific consumer regulations in all of these fields. Rather, the Inquiry’s task is to consider the broad objectives, organisational framework and approaches t ...
... It is beyond the scope and resources of the Inquiry to provide a comprehensive evaluation of, or to provide detailed recommendations on, the specific consumer regulations in all of these fields. Rather, the Inquiry’s task is to consider the broad objectives, organisational framework and approaches t ...
Statistical overview Types of financial misconduct cases reported
... increased to 41% in the 2005/2006 financial year. This is noteworthy considering that, according to a headcount for the Public Service as at 28 February 2006, national departments employ 32%, whereas provinces employ 68% of the total number of employees in the Public Service. The trend of a higher r ...
... increased to 41% in the 2005/2006 financial year. This is noteworthy considering that, according to a headcount for the Public Service as at 28 February 2006, national departments employ 32%, whereas provinces employ 68% of the total number of employees in the Public Service. The trend of a higher r ...
112 KB - Financial System Inquiry
... reliable financial information or lacks a track record. Assessing the creditworthiness of borrowers is a specialised task which can consume considerable resources, time and expertise. It can be undertaken within a financial institution or outsourced to specialist firms, such as rating agencies. The ...
... reliable financial information or lacks a track record. Assessing the creditworthiness of borrowers is a specialised task which can consume considerable resources, time and expertise. It can be undertaken within a financial institution or outsourced to specialist firms, such as rating agencies. The ...
Course Syllabus - Lee County Schools
... companies earn profits. This course also introduces students to the main concepts behind investing and discriminates among different ways to invest money. Students examine contemporary issues including the level of personal saving in the United States, ethics in the financial services industry, and ...
... companies earn profits. This course also introduces students to the main concepts behind investing and discriminates among different ways to invest money. Students examine contemporary issues including the level of personal saving in the United States, ethics in the financial services industry, and ...
Consumer Discretionary - Fisher College of Business
... The Consumer Discretionary sector has outperformed the S&P 500 YTD and continues to thrive during the market rebound Leading economic indicators point to positive returns for the S&P 500 and industry According to the financial analysis, the sector has a positive trend in terms of revenues, return on ...
... The Consumer Discretionary sector has outperformed the S&P 500 YTD and continues to thrive during the market rebound Leading economic indicators point to positive returns for the S&P 500 and industry According to the financial analysis, the sector has a positive trend in terms of revenues, return on ...
Stockholding ad Financial Literacy in the French Population
... literature several measures of financial literacy have been proposed; one has nevertheless emerged as a benchmark. In 2004, Lusardi and Mitchell designed a questionnaire for the 2004 US Health and Retirement Study. Their aim was to identify three economic concepts that individuals should have some u ...
... literature several measures of financial literacy have been proposed; one has nevertheless emerged as a benchmark. In 2004, Lusardi and Mitchell designed a questionnaire for the 2004 US Health and Retirement Study. Their aim was to identify three economic concepts that individuals should have some u ...
Financial Considerations for Government Use of Cloud Computing
... vendor to support the services provided to the agency client, e.g. data schemas built specifically for the client. This can also be associated with costs of transitioning into the cloud arrangement and transition costs out of the arrangement. If the cloud vendor does not release client specific ...
... vendor to support the services provided to the agency client, e.g. data schemas built specifically for the client. This can also be associated with costs of transitioning into the cloud arrangement and transition costs out of the arrangement. If the cloud vendor does not release client specific ...
Shaping the New Financial System
... Three years after the onset of the global financial crisis, much has been done to reform the global financial system, but there is much left to accomplish. The regulatory reform agenda agreed by G-20 leaders in 2009 has elevated the discussions to the highest policy level and kept international atte ...
... Three years after the onset of the global financial crisis, much has been done to reform the global financial system, but there is much left to accomplish. The regulatory reform agenda agreed by G-20 leaders in 2009 has elevated the discussions to the highest policy level and kept international atte ...