Hc 204 Conduct And Competition In Sme Lending

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HC 204 - Conduct and Competition in SME Lending

Author : Great Britain. Parliament. House of Commons. Treasury Committee
Publisher : The Stationery Office
ISBN 13 : 0215084101
Total Pages : 117 pages
Book Rating : 4.2/5 (15 download)

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Book Synopsis HC 204 - Conduct and Competition in SME Lending by : Great Britain. Parliament. House of Commons. Treasury Committee

Download or read book HC 204 - Conduct and Competition in SME Lending written by Great Britain. Parliament. House of Commons. Treasury Committee and published by The Stationery Office. This book was released on 2015-03-16 with total page 117 pages. Available in PDF, EPUB and Kindle. Book excerpt: Small and medium sized enterprises (SMEs) form a large part of the UK economy. According to official statistics, there were 5.243 million private sector businesses at the start of 2014. 5.236 million had 0-250 employees and are classed as SMEs, of which 5.204 million had fewer than 50 employees and are classed as small businesses. SMEs account for 60 per cent of all private sector employment, and registered an annual turnover of £1.6 trillion at the start of 2014-47 per cent of the private sector total. A large majority of SMEs are sole traders-76% of all businesses are non-employers. The Government believes that access to finance for SMEs is 'key to the recovery and long term growth of the economy'. Research by National Endowment for Science, Technology and the Arts (NESTA) in 2009 found that the '6 per cent of UK businesses generated half of the new jobs created by existing businesses between 2002 and 2008. This report offers a number conclusions and recommendations covering: the state of the SME lending market; RBS Global Restructuring Group (GRG); mis-sale of Hedging Products; and alternative finance

Reforming Corporate Retail Investor Protection

Author : Diane Bugeja
Publisher : Bloomsbury Publishing
ISBN 13 : 1509925872
Total Pages : 256 pages
Book Rating : 4.5/5 (99 download)

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Book Synopsis Reforming Corporate Retail Investor Protection by : Diane Bugeja

Download or read book Reforming Corporate Retail Investor Protection written by Diane Bugeja and published by Bloomsbury Publishing. This book was released on 2019-12-12 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: The spate of mis-selling episodes that have plagued the financial services industries in recent years has caused widespread detriment to investors. Notwithstanding numerous regulatory interventions, curtailing the incidence of poor investment advice remains a challenge for regulators, particularly because these measures are taken in a 'fire-fighting' fashion without adequate consideration being given to the root causes of mis-selling. Against this backdrop, this book focuses on the sale of complex investment products to corporate retail investors by drawing upon the widespread mis-selling of interest rate hedging products (IRHP) in the UK and beyond. It brings to the fore the relatively understudied field concerning the different degrees of investor protection mechanisms applicable to individual retail investors – as opposed to corporate retail investors – by taking stock of past regulatory reforms and forthcoming regulatory initiatives as well as, more importantly, the conclusions reached by the judiciary in IRHP mis-selling claims. The conclusions are particularly interesting: corporate retail investors are in a vulnerable position when compared to individual retail investors. The former are exposed to a heightened risk of mis-selling, meaning that regulatory intervention should be targeted accordingly. The recommendations made as a result of these findings are further supported by insights emerging from behavioural law and economic theories. This book is aimed at researchers, lawyers and students with an interest in the financial regulation field who are keen to explore potential regulatory reforms to the investment services regime that address the root causes of mis-selling, and restore a level playing field amongst all retail investors.

HC 881 - Press Briefing of the FCA's Business Plan for 2014/15

Author : Great Britain. Parliament. House of Commons. Treasury Committee
Publisher : The Stationery Office
ISBN 13 : 0215084357
Total Pages : 87 pages
Book Rating : 4.2/5 (15 download)

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Book Synopsis HC 881 - Press Briefing of the FCA's Business Plan for 2014/15 by : Great Britain. Parliament. House of Commons. Treasury Committee

Download or read book HC 881 - Press Briefing of the FCA's Business Plan for 2014/15 written by Great Britain. Parliament. House of Commons. Treasury Committee and published by The Stationery Office. This book was released on 2015-03-27 with total page 87 pages. Available in PDF, EPUB and Kindle. Book excerpt: On the evening of 27 March 2014, the Daily Telegraph published an article on its website describing a forthcoming thematic review by the Financial Conduct Authority (FCA) into the life insurance market. The same story appeared in the print edition of the Telegraph the following day. The story, based on an advance briefing given by the FCA to the Telegraph earlier that week, gave a misleading impression of the scope of the life insurance review, and was published before the FCA had made any official announcement of its own. When the markets opened on 28 March, the share prices of several leading life insurers began to fall heavily. Only when the FCA published a clarifying statement about the scope of the review - several hours later that day - did share prices begin to recover. On the day following the publication of the Telegraph article, the Chairman of this Committee called for a "full and transparent explanation about how such an apparently serious mistake came to be made by our financial services watchdog--the body appointed by Parliament to enforce high standards of conduct". Simon Davis, Partner at Clifford Chance LLP, was subsequently appointed to conduct an investigation, and reported his findings in December 2014. The Committee records its thanks to Mr Davis for undertaking this work and for the evidence he gave to it.

Bandit Capitalism

Author : Bob Wylie
Publisher : Birlinn
ISBN 13 : 1788852605
Total Pages : 340 pages
Book Rating : 4.7/5 (888 download)

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Book Synopsis Bandit Capitalism by : Bob Wylie

Download or read book Bandit Capitalism written by Bob Wylie and published by Birlinn. This book was released on 2020-11-11 with total page 340 pages. Available in PDF, EPUB and Kindle. Book excerpt: “Comparable with Michael Lewis’ The Big Short or indeed Ian Fraser’s Shredded, Bob Wylie has done a forensic job . . . a powerful book.” —Talk Media Podcast The collapse in January 2018 of the construction giant Carillion, outsourcer of huge Government building contracts, is one of the great financial scandals of modern times. When it folded it had only £29 million in the bank and debts and other liabilities adding up to a staggering £7 billion. When the total losses were counted it was established that the banks were owed £1.3 billion in loans and that there was a hole in the pension fund of £2.6 billion. That left British taxpayers picking up the tab to salvage the pensions owed to Carillion workers. On one level, this is a familiar story of directors who systematically looted a company with the aim of their own enrichment. But in a wider context the Carillion catastrophe exposes everything that is wrong about the state we are in now—the free-for-all of company laws which govern directors’ dealings, the toothless regulators, the crime and very little punishment of the Big Four auditors, and a government which is a prisoner of a broken model born of a political ideology which it cannot forsake. Through the story of Carillion, Bob Wylie exposes the lawlessness of contemporary capitalism that is facilitated by hapless politicians, and gives a warning for the future that must be heeded. Bandit Capitalism charts, in jaw-dropping detail, the rise and rise of the British Oligarchy. “An excoriating book on the corruption that can lurk within contemporary capitalism.” —Financial Times, “Best Books of 2020”

The Principles of Personal Property Law

Author : Duncan Sheehan
Publisher : Bloomsbury Publishing
ISBN 13 : 1509901337
Total Pages : 480 pages
Book Rating : 4.5/5 (99 download)

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Book Synopsis The Principles of Personal Property Law by : Duncan Sheehan

Download or read book The Principles of Personal Property Law written by Duncan Sheehan and published by Bloomsbury Publishing. This book was released on 2017-05-18 with total page 480 pages. Available in PDF, EPUB and Kindle. Book excerpt: The law of personal property covers a very wide spectrum of scenarios and, unfortunately, has had little detailed scrutiny of its overarching structure over the years. It is a system and can best be understood as a system. Indeed, without understanding it as a system, it becomes much more difficult to comprehend. The second edition of this acclaimed textbook continues to provide a comprehensive yet detailed coverage of the law of personal property in England and Wales. It includes transfer of legal title to chattels, the nemo dat rule, negotiable instruments and assignment of choses in action. It also looks at defective transfers of property and the resulting proprietary claims, including those contingent on tracing, the tort of conversion, bailment and security interests. By bringing together areas often scattered throughout company law, commercial law, trusts and tort textbooks, it enables readers to see common themes and issues and to make otherwise impossible generalisations across different contexts about the nature of the concepts English law applies. Throughout the book, concepts are explained rigorously, with reference to how they are used in commercial practice and everyday life. The new edition also includes a new chapter on secured transactions law reform, and introduces new material on the Cape Town Convention, IP rights and other intangible property. The book will be of primary interest to academics and practitioners in the area. However, it will also be of use to students studying commercial or personal property law.

Corporate Insolvency Law

Author : Vanessa Finch
Publisher : Cambridge University Press
ISBN 13 : 1107039916
Total Pages : 839 pages
Book Rating : 4.1/5 (7 download)

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Book Synopsis Corporate Insolvency Law by : Vanessa Finch

Download or read book Corporate Insolvency Law written by Vanessa Finch and published by Cambridge University Press. This book was released on 2017-10-19 with total page 839 pages. Available in PDF, EPUB and Kindle. Book excerpt: A new and substantially revised edition which looks critically at the broad effect and conceptual underpinnings of corporate insolvency law.

Modern Studies in Property Law, Volume 10

Author : Ben McFarlane
Publisher : Bloomsbury Publishing
ISBN 13 : 1509921389
Total Pages : 336 pages
Book Rating : 4.5/5 (99 download)

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Book Synopsis Modern Studies in Property Law, Volume 10 by : Ben McFarlane

Download or read book Modern Studies in Property Law, Volume 10 written by Ben McFarlane and published by Bloomsbury Publishing. This book was released on 2019-05-30 with total page 336 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book contains a collection of papers presented at the Twelfth Biennial Modern Studies in Property Law Conference held at University College London in April 2018. The conference and its published proceedings are an established forum for property lawyers from around the world to showcase the latest research. This collection includes a keynote address by Dame Elizabeth Gloster, former Vice President of the Court of Appeal (Civil Division), on technology in property law. It also includes plenary addresses by Professor Henry Smith on the architecture of property law and the challenge of compiling the American Law Institute's Fourth Restatement of Property, and by Her Honour Judge Karen Walden-Smith on the role of the first instance judge in property cases. Sixteen further chapters address a wide range of issues, including the theory and taxonomy of land law, the re-evaluation of land obligations, the nature and operation of equitable property rights and shares, the role of property in commerce, comparative approaches to leases and trusts, and contemporary issues in land registration. Collectively, the chapters demonstrate the vibrancy, diversity and importance of property law and of current research in the subject.

International Convergence of Capital Measurement and Capital Standards

Author :
Publisher : Lulu.com
ISBN 13 : 9291316695
Total Pages : 294 pages
Book Rating : 4.2/5 (913 download)

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Book Synopsis International Convergence of Capital Measurement and Capital Standards by :

Download or read book International Convergence of Capital Measurement and Capital Standards written by and published by Lulu.com. This book was released on 2004 with total page 294 pages. Available in PDF, EPUB and Kindle. Book excerpt:

A new approach to financial regulation

Author : Great Britain. Treasury
Publisher : The Stationery Office
ISBN 13 : 9780101801225
Total Pages : 138 pages
Book Rating : 4.8/5 (12 download)

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Book Synopsis A new approach to financial regulation by : Great Britain. Treasury

Download or read book A new approach to financial regulation written by Great Britain. Treasury and published by The Stationery Office. This book was released on 2011-02-17 with total page 138 pages. Available in PDF, EPUB and Kindle. Book excerpt: This document presents more detailed proposals for financial regulation following on from the consultation paper "A new approach to financial regulation: judgment, focus and stability" (July 2010, Cm. 7874, ISBN 9780101787420) and continuing policy development by the Treasury, Bank of England and Financial Services Authority. The Government's reforms focus on three key institutional changes. First, a new Financial Policy Committee (FPC) will be established in the Bank of England, with responsibility for 'macro-prudential' regulation, or regulation of stability and resilience of the financial system as a whole. Second, 'micro-prudential' (firm-specific) regulation of financial institutions that manage significant risks on their balance sheets will be carried out by an operationally independent subsidiary of the Bank of England, the Prudential Regulation Authority (PRA). Thirdly, responsibility for conduct of business regulation will be transferred to a new specialist regulator, the Financial Conduct Authority (FCA). Individual chapters cover: Bank of England and Financial Policy Committee; Prudential Regulation Authority; Financial Conduct Authority; regulatory process and co-ordination; compensation, dispute resolution and financial education; European and international issues; next steps; how to respond; impact assessment. The chapters contain significant detail on how the legislative framework will be constructed in order to deliver the Governments' priorities for the framework. The Government will consult on these proposals with a view to publishing a draft bill in spring 2011.

Nonperforming Loans in Asia and Europe—Causes, Impacts, and Resolution Strategies

Author : Asian Development Bank
Publisher : Asian Development Bank
ISBN 13 : 9292691163
Total Pages : 262 pages
Book Rating : 4.2/5 (926 download)

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Book Synopsis Nonperforming Loans in Asia and Europe—Causes, Impacts, and Resolution Strategies by : Asian Development Bank

Download or read book Nonperforming Loans in Asia and Europe—Causes, Impacts, and Resolution Strategies written by Asian Development Bank and published by Asian Development Bank. This book was released on 2021-12-01 with total page 262 pages. Available in PDF, EPUB and Kindle. Book excerpt: High and persistent levels of nonperforming loans (NPLs) have featured prominently in recent financial crises. This book traces NPL trends during and after crises, examines the economic impact of high NPLs, and compares the effectiveness of NPL resolution strategies across economies in Asia and Europe. The book distills important lessons from the experiences of economies using case studies and empirical investigation of ways to resolve NPLs. These findings can be invaluable in charting a course through the financial and economic fallout of the coronavirus disease (COVID-19) pandemic to recovery and sustained financial stability in Asia, Europe, and beyond.

Routledge Handbook of Banking and Finance in Asia

Author : Ulrich Volz
Publisher : Routledge
ISBN 13 : 1134862075
Total Pages : 534 pages
Book Rating : 4.1/5 (348 download)

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Book Synopsis Routledge Handbook of Banking and Finance in Asia by : Ulrich Volz

Download or read book Routledge Handbook of Banking and Finance in Asia written by Ulrich Volz and published by Routledge. This book was released on 2018-10-26 with total page 534 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Routledge Handbook of Banking and Finance in Asia brings together leading scholars, policymakers, and practitioners to provide a comprehensive and cutting-edge guide to Asia’s financial institutions, markets, and systems. Part I provides a country-by-country overview of banking and finance in East, Southeast, and South Asia, including examples from China, Japan, Hong Kong, India, and Singapore. Part II contains thematic chapters, covering topics such as commercial banking, development banking, infrastructure finance, stock markets, insurance, and sovereign wealth funds. It also includes examinations of banking regulation and supervision, and analyses of macroprudential regulation, capital flow management measures, and monetary policy. Finally, it provides new insights into topical issues such as SME, green, and Islamic finance. This handbook is an essential resource for scholars and students of Asian economics and finance and for professionals working in financial markets in Asia.

Staff Guidance Note on Macroprudential Policy

Author : International Monetary Fund
Publisher : International Monetary Fund
ISBN 13 : 1498342620
Total Pages : 45 pages
Book Rating : 4.4/5 (983 download)

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Book Synopsis Staff Guidance Note on Macroprudential Policy by : International Monetary Fund

Download or read book Staff Guidance Note on Macroprudential Policy written by International Monetary Fund and published by International Monetary Fund. This book was released on 2014-06-11 with total page 45 pages. Available in PDF, EPUB and Kindle. Book excerpt: This note provides guidance to facilitate the staff’s advice on macroprudential policy in Fund surveillance. It elaborates on the principles set out in the “Key Aspects of Macroprudential Policy,” taking into account the work of international standard setters as well as the evolving country experience with macroprudential policy. The main note is accompanied by supplements offering Detailed Guidance on Instruments and Considerations for Low Income Countries

Credit Risk Management In and Out of the Financial Crisis

Author : Anthony Saunders
Publisher : John Wiley & Sons
ISBN 13 : 0470622369
Total Pages : 373 pages
Book Rating : 4.4/5 (76 download)

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Book Synopsis Credit Risk Management In and Out of the Financial Crisis by : Anthony Saunders

Download or read book Credit Risk Management In and Out of the Financial Crisis written by Anthony Saunders and published by John Wiley & Sons. This book was released on 2010-04-16 with total page 373 pages. Available in PDF, EPUB and Kindle. Book excerpt: A classic book on credit risk management is updated to reflect the current economic crisis Credit Risk Management In and Out of the Financial Crisis dissects the 2007-2008 credit crisis and provides solutions for professionals looking to better manage risk through modeling and new technology. This book is a complete update to Credit Risk Measurement: New Approaches to Value at Risk and Other Paradigms, reflecting events stemming from the recent credit crisis. Authors Anthony Saunders and Linda Allen address everything from the implications of new regulations to how the new rules will change everyday activity in the finance industry. They also provide techniques for modeling-credit scoring, structural, and reduced form models-while offering sound advice for stress testing credit risk models and when to accept or reject loans. Breaks down the latest credit risk measurement and modeling techniques and simplifies many of the technical and analytical details surrounding them Concentrates on the underlying economics to objectively evaluate new models Includes new chapters on how to prevent another crisis from occurring Understanding credit risk measurement is now more important than ever. Credit Risk Management In and Out of the Financial Crisis will solidify your knowledge of this dynamic discipline.

Competition Laws Outside the United States

Author : H. Stephen Harris
Publisher : American Bar Association
ISBN 13 : 9781570738814
Total Pages : 1706 pages
Book Rating : 4.7/5 (388 download)

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Book Synopsis Competition Laws Outside the United States by : H. Stephen Harris

Download or read book Competition Laws Outside the United States written by H. Stephen Harris and published by American Bar Association. This book was released on 2001 with total page 1706 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Law Against Unfair Competition

Author : Reto Hilty
Publisher : Springer Science & Business Media
ISBN 13 : 3540718826
Total Pages : 274 pages
Book Rating : 4.5/5 (47 download)

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Book Synopsis Law Against Unfair Competition by : Reto Hilty

Download or read book Law Against Unfair Competition written by Reto Hilty and published by Springer Science & Business Media. This book was released on 2007-07-28 with total page 274 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book examines the present state of harmonization of unfair competition law in Europe. It discusses the particular approach to unfair competition law in the 10 new Member States and the possible impact on the future development of European unfair competition law. The book presents new insight in the importance of unfair competition law, especially in countries with a developing market economy.

A Theory of Local Entrepreneurship in the Knowledge Economy

Author : Pierre-André Julien
Publisher : Edward Elgar Publishing
ISBN 13 : 1847208754
Total Pages : 333 pages
Book Rating : 4.8/5 (472 download)

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Book Synopsis A Theory of Local Entrepreneurship in the Knowledge Economy by : Pierre-André Julien

Download or read book A Theory of Local Entrepreneurship in the Knowledge Economy written by Pierre-André Julien and published by Edward Elgar Publishing. This book was released on 2008-01-01 with total page 333 pages. Available in PDF, EPUB and Kindle. Book excerpt: The principal audience for this book seems to be deliberately and most certainly an academic one; that said, those practitioners from a business management or central/local government support-agency background might also find the text a useful resource. Intrinsically, those employed teaching and researching within the fields of entrepreneurship or regional economic development will find this publication an invaluable and indispensable reference tool. . . After an excellent, cohesive and informative introductory chapter, which places the book firmly in the field of regional entrepreneurship theory development, the reader is effortlessly prepared for the intellectually challenging read ahead. . . this book is well laid out and it is easy for the reader to pick up the thread of the argument, even after a lay-off. The endnotes after each chapter are useful and comprehensive, adding richness to the text through the additional information. The bibliography is as comprehensive as it is exhaustive. . . Professor Julien has given us a book that presents both an interesting and alternative perspective to the field of entrepreneurial cross-disciplinary research. Paul J. Ferri, International Journal of Entrepreneurial Behaviour and Research . . . it is my view that this book gives a very important contribution for the understanding of development of local entrepreneurship, through its cross-disciplinary approach. I see the book is especially interesting from an entrepreneurship and a regional development perspective. . . this book should inspire research that takes a more holistic approach using different levels of analysis and applies it to economic development at a local/territorial level, when studying entrepreneurship. Einar Lier Madsen, International Small Business Journal The reader who is interested in entrepreneurship and/or regional development will find this book a welcome contribution to the field. Rainer Harms, Entrepreneurship and Innovation For too long, researchers have regarded local dynamism as the result of the actions of certain entrepreneurs. If this were the case, how could we explain the simultaneous presence of winning , stagnating or declining areas with very similar socioeconomic profiles within the same region? Departing from this restrictive and somewhat inadequate approach, Pierre-André Julien considers entrepreneurship as a collective behaviour specifically related to the dynamism of the milieu in which it develops. The author introduces a complex, innovative theory of local entrepreneurship, demonstrating that the emergence of new ventures and the development of existing enterprises cannot be understood without taking into account certain factors: locale, social capital, networking and entrepreneurial culture within a given area are all crucial to entrepreneurial growth. Expanding upon this theory, the book demonstrates how entrepreneurship can be fostered in order to support collective development. Various forms of partnership among socioeconomic actors are then analysed to highlight the social conventions and entrepreneurial culture that connect and intensify the energies at the root of local dynamism. This highly original book represents a departure from entrepreneurship literature that is largely limited to the study of entrepreneurs behaviour. Its dynamic presentation of holistic theory will prove an extremely absorbing read for those with an academic or professional interest in business and management, entrepreneurship and regional development.

Competitiveness Strategy in Developing Countries

Author : Ganeshan Wignaraja
Publisher : Routledge
ISBN 13 : 1134585446
Total Pages : 411 pages
Book Rating : 4.1/5 (345 download)

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Book Synopsis Competitiveness Strategy in Developing Countries by : Ganeshan Wignaraja

Download or read book Competitiveness Strategy in Developing Countries written by Ganeshan Wignaraja and published by Routledge. This book was released on 2003-10-04 with total page 411 pages. Available in PDF, EPUB and Kindle. Book excerpt: Globalization and structural adjustment offer many opportunities for export orientated industrialization in developing economies. As a group, competitiveness in the developing countries has improved, but, while East Asian economies have had rapid export growth and technological upgrades, South Asian and African economies have lagged behind. Old structures, institutions, behavioural patterns and public policies are ill-adapted to deal with the challenges posed by technological change and economic liberalization. Consequently there is an urgent need for change in government and private sector attitudes and strategies. This volume seeks to generalise the lessons across developing country and enterprise cases, and sheds light on which trade and industrial strategies and instruments work best, and which do not work, in relation to manufacturing competitiveness.