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… 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 … (micro-economic) and external factors (macro-economic). In accordance to Garr (2013), the different factors that influence credit risk can be classified into macroeconomic factors, industry-specific factors, and bank institution –specific factors.
Macro-economic Factors
These are factors that have an influence on the economy of a nation as a ……
References
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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.
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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.
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… and without – the institutional boundaries, banks must adhere to various strict guidelines, restrictions, and requirements. As a matter of fact, the banking industry happens to be one of the most heavily regulated industries in all of U.S. economy. Criminal elements have, however, always found a way … of the firm, business collaborators, or outsiders working alone or in cahoots with bank employees.
From a broader perspective, crimes in the banking industry could either be violent robbery or white collar crime. This text concerns itself with white collar crime. In basic terms, white collar crime … Violent bank robberies have been on a steep decline over the last few decades. Towards this end, the types of crimes the banking industry experiences that have been highlighted in this text largely relate to white collar crime. It is important to note that the various kinds … in this text largely relate……
References
Albrecht, W.S., Albrecht, C.C., Albrecht, C.O. & Zimbelman, M.F. (2008). Fraud Examination (3rd ed.). Mason, OH: Cengage Learning.
Dionne, B. (2020). Regions Bank Teller Accused of Stealing Customer Identities Faces Felony Charges. Retrieved https://www.wbrc.com/2020/01/30/regions-bank-teller-accused-stealing-customer-identities-facing-felony-charges/
Golden, T.W., Skalak, S.L. & Clayton, M.M. (2006). A Guide to Forensic Accounting Investigation. Hoboken, NJ: John Wiley & Sons.
Krancher, M., Riley, R. & Wells, T.J. (2010). Forensic Accounting and Fraud Examination. Hoboken, NJ: John Wiley & Sons.
Singleton, T.W., Singleton, A.J. & Bologna, R.J. (2006). Fraud Auditing and Forensic Accounting (3rd ed.). Hoboken, NJ: John Wiley & Sons.
Zagaris, B. (2010). International White Collar Crime: Cases and Materials. New York, NY: Cambridge University Press.
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… show, family owned companies “pay lower wages, even allowing for skill and age structure” while also making a strong effort to “smooth out industry shocks and manage to honor implicit labor contracts” (p. 3). Thus, family firms are very much more hands-on with the company and involved … manage to honor implicit labor contracts” (p. 3). Thus, family firms are very much more hands-on with the company and involved in the industry, and to preserve their bottom line they tend to “employ more unskilled, cheap labor, use less capital, pay lower interest rates on debt … decisions.
McConaughy, Matthews and Fialko (2001) corroborated the findings of Sraer and Thesmar (2001) and show through their tests that “controlling for size, industry, and managerial ownership…firms controlled by the founding family have greater value, are operated more efficiently, and carry less debt than other firms” (p. … both vertical and horizontal integration……
References
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McConaughy, D.L., Matthews, C.H. and Fialko, A.S., 2001. Founding family controlled firms: Performance, risk, and value. Journal of small business management, 39(1), pp.31-49.
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Reliance Industries, Limited, 2019. Retrieved from https://www.ril.com/DownloadFiles/Subsidiaries%20and%20major%20Associates%20of%20RIL.pdf
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Sraer, D. and Thesmar, D., 2007. Performance and behavior of family firms: Evidence from the French stock market. Journal of the european economic Association, 5(4), pp.709-751.
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… hurt but not so extensively as one might think: the bank is still recognized as one of the top financial leaders in the industry and its role in the financial crisis of 2007-2008 was not much different from the role of any of the…[break]…analyzed in this context, ……
References
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Introduction
The growth of big data has had significant transformative effects on several industries including technology, agriculture, health, education, and finance. Over the past decade, the number of humans using smartphones has increased tremendously and this has created a big pool of user data … to maximize the returns on their portfolios. As the adoption of Big Data in the financial services sector continues, the landscape of the industry is likely to see significant changes in the coming years. Nonetheless, it is notable that organizations are still facing some challenges in capturing, … volumes of data (Chen, Chiang & Storey, 2012).
Big Data Opportunities
Traditional data management tools and models have posed several challenges to the finance industry in the past in terms of security and inefficiencies. One of the major security issues is fraudulent activity by insiders and outsiders. With … are increasingly spending their time on data analytics……
References
Chen, H., Chiang, R. H., & Storey, V. C. (2012). Business intelligence and analytics: From big data to big impact. MIS quarterly, 36(4).
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Zhou, K., Fu, C., & Yang, S. (2016). Big data driven smart energy management: From big data to big insights. Renewable and Sustainable Energy Reviews, 56, 215-225.
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… quickly turn into a slippery slope down the same path taken by the companies already mentioned. Yet, as Omarova (2011) points out, an industry without self-regulation is one unlikely to address the problems that plague it: at some point, accountability and firm responsibility is needed to address … it makes regulation and enforcement virtually impossible (Arnone & Padoan, 2008). Omarova (2011) describes the problematic nature of third-party regulation best in our industry: “Given the complexity and global nature of the modern financial market, any government's attempt to regulate it in a purely unilateral command-and-control manner ……
References
Arner, D. W., Barberis, J., & Buckey, R. P. (2016). FinTech, RegTech, and the reconceptualization of financial regulation. Nw. J. Int'l L. & Bus., 37, 371.
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Greene, E., & Odorski, C. (2015). SEC enforcement in the financial sector: addressing
Omarova, S. T. (2010). Rethinking the future of self-regulation in the financial industry. Brook. J. Int'l L., 35, 665.post-crisis criticism. Bus. L. Int'l, 16, 5.
Omarova, S. T. (2011). Wall street as community of fate: Toward financial industry self-regulation. University of Pennsylvania Law Review, 159(2), 411-492.
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… international in character, just as Hitler described. Jews tended to support the idea of a Jewish identity and Jews in powerful positions in finance, industry and government were able to influence the British to support Jewish immigration to Palestine. This matter was one of intense focus for much ……
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Study Document
… but interrelated risks spread all across most organization” (p. 2). COVID 19 is not just a factor that has impacted one business or industry. It has impacted all businesses and all industries in different ways. Grocery chains like Kroger, for instance, have seen increased demand. Restaurants on … that an action may be taken so long as the risk can be transferred to a third party. Hazard risk in the financial industry in the past has been associated with mortgage backed securities and collateralized debt obligations and credit default swaps. The risk of writing loans ……
References
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English, C. (2020). Wells Fargo Forced to Cut Its Dividend After Fed Stress Test. Here’s What Other Banks Did. Retrieved from https://www.barrons.com/articles/wells-fargo-forced-to-cut-its-dividend-after-fed-stress-test-51593467664
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Study Document
Introduction
Corporate finance focuses on financial decisions made by financial managers. Financial decisions is broadly categorized into two: financing decisions and investment decisions (Renzetti, 2001). Investment …
Tables 1, 2, and 3 shows the capital structure of ATP, FXL, and Zip Co. All these firms are in the computer service industry. ATP uses less long term debt finance compared to Z1P and FXL (As of 2019, the debt ratio of ATP is 7%, while Z1P and FXL is 61% and 89%, ……
References
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