Economics And Finance Essays (Examples)
Study Document
The Government S Economic Policies Effect Good Or Bad Economy
...Economics finance Introduction
Public policy is government decisions and actions designed to deal with problems and issues affecting the public (Madimutsa, 2008). The U.S. government policy areas include monetary policy, immigration, intellectual property, national defense, and welfare. This paper will review the impact of monetary policy on the U.S. economy.
Monetary Policy
Monetary policy is classified as the procedure by which the Federal Reserve uses monetary policy tools to regulate the money supply, exchange rate, and interest rates (the price of money) to stabilize the economy (Labonte, 2020). The interest rate is classified as the cost of borrowing and the reward for saving. The money supply can be defined as the total sum of money that is available in the economy. The exchange rate is the cost of the domestic currency concerning other currencies. The Fed uses various monetary tools, but over the years, they have relied on open market operations and……
References
References
Federal Reserve. (2020, March 15). Federal open market committee. Retrieved March 30, 2020, from https://www.federalreserve.gov/monetarypolicy/fomccalendars.htm
Labonte, M. (2020). Monetary policy and the Federal Reserve: Current policy and conditions (RL30354). Retrieved from Congressional Research Service website: https://fas.org/sgp/crs/misc/RL30354.pdf
Madimutsa, C. (2008). The Policy Formulation Process. Retrieved from https://www.researchgate.net/publication/336927323_The_Policy_Formulation_Proce ss
McGraw-Hill Education. (n.d.). The role of government. Retrieved from https://www.jasonsclassroom.com/social-studies/cc-basics/chapter-5/lesson-5.3/
Suman, S. (2015, October 26). Monetary policy: Objectives, advantages, and disadvantages. Retrieved from https://www.economicsdiscussion.net/monetary-policy/advantages/monetary-policy-objectives-advantages-and-disadvantages/12768
Study Document
Supply And Demand Economics
Even in consumer’s everyday lives, the principles of economics are evident. This can be seen in the current state of the coffee market, as the beverage grows more ubiquitous worldwide, even in ……
References
Works Cited
Lorenzetti, Laura. “Americans’ Coffee Guzzling Is Pushing Bean Prices Higher.” July 1, 2016. Web. August 5, 2019. https://fortune.com/2016/07/01/americans-coffee-prices/
Study Document
Understanding The Factors Affecting The Success Of Credit Risk In
...Economics finance Introduction
The banking business sector is enormously impacted by the perceptive and imperceptive factors in an intensely competitive environment. In recent times, this competition has stiffened all the more with the advancement of globalization. In each regard of their business operations, banks ought to take effective measures in order to diminish risk by pinpointing the prospective causes based on real-world circumstances. Imperatively, the banking sector is deemed to be a significant source of financing for several companies and entrepreneurs. In the past decade, there have been dramatic changes concerning the management of risk in the banking industry. Progressively more financial institutions and managers have augmented the focus on the significance of risk management. In delineation, risk management encompasses the practice of identifying, assessing and listing of risks followed by organized and cost-effective application of resources to curtail, supervise and control the probability and influence of disastrous events or to capitalize……
References
References
Bhattarai, Y. R. (2016). Effect of credit risk on the performance of Nepalese commercial banks. NRB Economic Review, 28(1), 41-64.
Das, A. and Ghosh, S. (2007). Determinants of Credit Risk in Indian State-owned Banks: An Empirical Investigation. Economic Issues, 12(2): 48-66.
Derelio?lu, G., & Gürgen, F. (2011). Knowledge discovery using neural approach for SME’s credit risk analysis problem in Turkey. Expert Systems with Applications, 38(8), 9313-9318
Garr, D. K. (2013). Determinants of credit risk in the banking industry of Ghana. Developing Country Studies, 3(11), 64-77.
Gizaw, M., Kebede, M., & Selvaraj, S. (2015). The impact of credit risk on profitability performance of commercial banks in Ethiopia. African Journal of Business Management, 9(2), 59-66.
Johnson, B., & Christensen, L. (2008). Educational research: Quantitative, qualitative, and mixed approaches. New York: Sage.
Kithinji, A. M. (2010). Credit risk management and profitability of commercial banks in Kenya. (Doctoral dissertation, University of Nairobi).
Limam, I. (2001). Measuring technical efficiency of Kuwaiti banks. Kuwait: Arab Planning Institute.
Study Document
Agency Theory
...Economics finance Introduction
Agency theory is a theory explicating the relationship between the shareholders, who act as the principals, and the managers, who act as the agents. Within this relationship, the principal either employs or delegates an agent to carry out work and take actions in the best interests of the principal (Scott and O’Brien, 2003).
Imperatively, when the decision-making power and authority is delegated to another party, this can result in a loss of efficiency and subsequently increased costs. For instance, if the owner of a company partakes in the delegating of decision-making power to a manager, the agent in this case, it is conceivable that the manager will not work or operate as hard and with determination as the owner would, bearing in mind that the manager does not have any direct shares in the financial results of the company (Tearney and Dodd, 2009).
As a result, this could give……
References
References
Ballwieser, W., Bamberg, G., Beckmann, M. J., Bester, H., Blickle, M., Ewert, R., ... & Gaynor, M. (2012). Agency theory, information, and incentives. Springer Science & Business Media.
Bou?ková, M. (2015). Management accounting and agency theory. Procedia Economics and Finance, 25, 5-13.
Eisenhardt, K. M. (1989). Agency theory: An assessment and review. Academy of management review, 14(1), 57-74.
Healy, P. M. (2005). Financial Reporting Problems at Molex, Inc.(A). Harvard Business School.
Larcker, D. F., & Tayan, B. (2007). Executive Compensation at Nabors Industries: Too Much, Too Little, or Just Right?. Rock Center for Corporate Governance at Stanford University Case Teaching No. CG-05.
Mitnick, B. M. (2015). Agency theory. Wiley encyclopedia of management, 1-6.
Scott, W. R., & O\\\\\\'Brien, P. C. (2003). Financial accounting theory (Vol. 3). Toronto: Prentice Hall.
Tearney, M. G., & Dodd, J. (2009). Accounting theory. H. I. Wolk (Ed.). New York: Sage.
Study Document
Income Inequality And Poverty
… inequality and poverty.
Chotia, V., and Rao, N.V.M. (2017). Investigating the interlinkages between infrastructure development, poverty, and rural-urban income inequality: Evidence from BRICS nations. Studies in economics and finance, Vol. 34 No. 4, pp. 466-484.
To solve the issues, this particular paper advocate for the adoption of guidelines and policies that are … for income generation.
Cyrek, M. (2019). Government social spending in the EU countries: efficiency in poverty and income inequality reduction. Equilibrium. Quarterly Journal of economics and Economic Policy, 14(3), 405-424.
This paper explains the disparities in the social efficacy of government expenditures in EU nations. In general, the nations … experts agree on is that even though there might be other objective reasons for the increase in poverty and inequality, governments' implementation of finance approaches on a macro scale might be among the most efficient ways of stopping this rise. The objective of this particular study is … be among the……
References
References
Bonito, J. D. M., Daantos, F. J. A., Mateo, J. C. A., & Rosete, M. A. L. (2017). Do entrepreneurship and economic growth affect poverty, income inequality, and economic development. Review of Integrative Business & Economics Research, 6(1), 33-43.
Chiazor, I. A., Egharevba, M. E., & Ozoya, M. I. (2016). Widening Inequality and Poverty in the Developing World-Micro-Financing as a Viable Solution. The Social Sciences, 11(13), 3286-3293.
Chotia, V., and Rao, N.V.M. (2017). Investigating the interlinkages between infrastructure development, poverty, and rural-urban income inequality: Evidence from BRICS nations. Studies in Economics and Finance, Vol. 34 No. 4, pp. 466-484.
Cyrek, M. (2019). Government social spending in the EU countries: efficiency in poverty and income inequality reduction. Equilibrium. Quarterly Journal of Economics and Economic Policy, 14(3), 405-424.
Omar, M. A., & Inaba, K. (2020). Does financial inclusion reduce poverty and income inequality in developing countries? A panel data analysis. Journal of Economic Structures, 9, 1-25.
Study Document
Public Safety And Public Relations
...Economics finance Public Relations
Introduction: Public Safety
The aim of the public safety sector is the provision of products and services geared at safeguarding individuals and their property. Over 286,000 individuals are employed in this sector, which can be segregated into the following two key segments: commercial and governmental organizations. Federal, regional, state, and local level governmental public safety organizations agencies have outnumbered commercial ones all through the course of the past decade. Most individuals working in this sector are hired by governmental organizations, including the fire department, police department, and sheriff's department. Some federal level public safety institutions include the CIA, FBI, Department of Homeland Security, and Border Patrol (Vault, 2020).
The most predominant public safety jobs are connected with the police: police officers, detectives/ investigators, or correctional officers. EMT personnel, highway patrol officials, and firefighters make up another major public safety employee cluster. The majority of private-sector safety personnel include……
References
References
Achim, A. C. (2014). Risk management issues in policing: from safety risks faced by law enforcement agents to occupational health. Procedia Economics and Finance, 15, 1671-1676.
Bornstein, A. (2005). Antiterrorist policing in New York City after 9/11: Comparing perspectives on a complex process. Human Organization, 64(1), 52-61. Retrieved from https://www.jstor.org/stable/44127004?seq=1
Buyantseva, L. V., Tulchinsky, M., Kapalka, G. M., Chinchilli, V. M., Qian, Z., Gillio, R., et al. (2007). Evolution of lower respiratory symptoms in New York police officers after 9/11: A prospective longitudinal study. J Occup Environ Med, 49, 310–17.
Homeland Security. (2005). Grand reform: The faster and smarter funding for first responders. Washington, DC: U.S. Government Printing Office.
Lippmann, M., Cohen, M. D., & Chen, L-C. (2015). Health effects of World Trade Center (WTC) Dust: An unprecedented disaster with inadequate risk management. Crit Rev Toxicol, 45(6), 492-530. DOI: 10.3109/10408444.2015.1044601
NYPD. (2020). About NYPD. Retrieved from https://www1.nyc.gov/site/nypd/about/about-nypd/about-nypd-landing.page
OHS. (2008). Occupational Health and Safety Code of Practice. Australian Government.
Vault. (2020). Overview. Retrieved from https://www.vault.com/industries-professions/industries/public-safety
Study Document
Utility Maximization Theory And Economics
...Economics finance Is the Theory of Utility Maximization Reliable for Rational Consumers to Make Decisions?
The article by Rothman about Johnson’s book focuses on the topic of how most people use “bounded rationality” to make their decisions—that is, they do not use a true scientific process when deciding what to do with their lives. Rather they make choices based on constrained circumstances: they do not push the parameters of their knowledge or seek out all options and explore all possibilities, weighing pros and cons with statistical rigor. The reason is that most people prefer to follow whatever impulse feels right after a cursory examination of the situation, without expending a great deal of energy on the matter. They may spend two weeks deciding what type of laptop or car to buy, but that is because the specs have already been quantified for them: they only need to compare the numbers and the……
References
Works Cited
Rothman, Joshua. “The Art of Decision Making.” The New Yorker, 2019.
https://www.newyorker.com/magazine/2019/01/21/the-art-of-decision-making
Study Document
SEC Enforcement Of Goldman Sachs And AIG
...Economics finance Goldman Sachs & Co. and Fabrice Tourre were charged by the SEC in 2010 with “Fraud In Connection With the Structuring and Marketing of a Synthetic CDO” from the 2007 subprime mortgage scandal at the heart of the financial crisis of 2007-2008 (SEC, 2010). The specific charge was that the bank and Tourre made material misstatements and omissions in connection with a synthetic collateralized debt obligation that the bank had structured, marketed and sold to investors. The synthetic CDOs were linked to the performance of the subprime housing mortgage market—i.e., the subprime mortgage-backed securities identified by Lewis (2010) as triggering the wave of financial distress that led to central banking intervention (unconventional monetary policy—also known as quantitative easing) and the inflation of asset bubbles currently seen today (Huston & Spencer, 2018). Goldman Sachs settled with the SEC and agreed to pay $550 million on the condition that the bank not……
References
References
Baer, J. (2014). Former Goldman Trader Tourre Won't Appeal Fraud Verdict. Retrieved from https://www.wsj.com/articles/former-goldman-trader-tourre-wont-seek-appeal-of-securities-fraud-verdict-1401221556
Huston, J. H., & Spencer, R. W. (2018). Quantitative easing and asset bubbles. Applied Economics Letters, 25(6), 369-374.
Lewis, M. (2010). The Big Short. NY: W. W. Norton.
McDonald, R., & Paulson, A. (2015). AIG in Hindsight. Journal of Economic Perspectives, 29(2), 81-106.
Murray, N., Manrai, A. K., & Manrai, L. A. (2018). The role of incentives/punishments, moral hazard, and conflicts of interests in the 2008 financial crisis. The bi-annual academic publication of Universidad ESAN, 22(43).
SEC. (2010). Litigation Release No. 21489 / April 16, 2010. Retrieved from https://www.sec.gov/litigation/litreleases/2010/lr21489.htm
Weisenthal, J. (2009). Goldman Sachs made billions shorting AIG. Retrieved from https://www.businessinsider.com/goldman-sachs-made-billions-shorting-aig-2009-3
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