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The Scottish Financial Sector
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Book Synopsis The Rise and Fall of the City of Money by : Ray Perman
Download or read book The Rise and Fall of the City of Money written by Ray Perman and published by Birlinn Ltd. This book was released on 2019-10-10 with total page 512 pages. Available in PDF, EPUB and Kindle. Book excerpt: It started and ended with a financial catastrophe. The Darien disaster of 1700 drove Scotland into union with England, but spawned the institutions which transformed Edinburgh into a global financial centre. The crash of 2008 wrecked the city's two largest and oldest banks – and its reputation. In the three intervening centuries, Edinburgh became a hothouse of financial innovation, prudent banking, reliable insurance and smart investing. The face of the city changed too as money transformed it from medieval squalor to Georgian elegance. This is the story, not just of the institutions which were respected worldwide, but of the personalities too, such as the two hard-drinking Presbyterian ministers who founded the first actuarially-based pension fund; Sir Walter Scott, who faced financial ruin, but wrote his way out of it; the men who financed American railways and eastern rubber plantations with Scottish money; and Fred Goodwin, notorious CEO of RBS, who took the bank to be the biggest in the world, but crashed and burned in 2008.
Book Synopsis The Scottish Financial Sector by : Paul Draper
Download or read book The Scottish Financial Sector written by Paul Draper and published by Edinburgh : Edinburgh University Press. This book was released on 1988 with total page 372 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Renaissance of the Scottish Economy? by : Charlotte Lythe
Download or read book The Renaissance of the Scottish Economy? written by Charlotte Lythe and published by Taylor & Francis. This book was released on 2021-10-12 with total page 241 pages. Available in PDF, EPUB and Kindle. Book excerpt: Originally published in 1982, written at a time when Scotland was emerging from a recession, it offered a comprehensive appraisal of the Scottish economy. The book shows that long-term regional problems had not gone away and that the presence of North Sea oil was not a guarantee of future economic health in Scotland. A major theme of the work is the key role of government expenditure in the (then) recent restructuring of the Scottish economy. Many of the issues discussed remain pertinent today, as Scotland once again discusses the future shape of its economy and political identity.
Book Synopsis The Scottish Economy by : Kenneth Gibb
Download or read book The Scottish Economy written by Kenneth Gibb and published by Taylor & Francis. This book was released on 2017-07-06 with total page 373 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Scottish economy is at the heart of contemporary constitutional and public policy debates. This substantial new edited collection, the first comprehensive and authoritative analysis for more than 60 years, is a timely update on the classic volume of the same name edited by Sir Alec Cairncross in 1954. It is data rich, and offers links to updatable data and leading indicators of the Scottish economy including measures of public finances, distributional evidence and growth. Readers will find a series of easy to follow chapters covering the Scottish economy from every angle – oil and gas, health, education, finance, rural Scotland, inequality, climate change, gender and work, housing, infrastructure and cities. Each sector-based chapter explores the main issues, draws out key empirical facts and considers policy challenges that lie ahead. This book includes: an historical account of the development of the Scottish economy; the trajectory of economic policy in Scotland; reviews of the current fiscal position and the wider economic landscape; and also an intriguing insight into the emerging distinctive approach to Scottish public policy. This book brings together evidence and high quality research by experts on the Scottish economy in a politically neutral, accessible and non-technical way. The volume will assist readers in navigating their way through the many political debates about constitutional and economic futures that are underway in modern Scotland and the UK. A website also exists to accompany The Scottish Economy - www.scottisheconomy.scot. In today's inter-connected world, it makes sense to have a book on the Scottish economy supplemented by online access to important data, information and evidence as a means of keeping material current.
Book Synopsis The Scottish Economy by : Stephen Boyd
Download or read book The Scottish Economy written by Stephen Boyd and published by Oxfam. This book was released on with total page 11 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Legislating Instability by : Tyler Beck Goodspeed
Download or read book Legislating Instability written by Tyler Beck Goodspeed and published by Harvard University Press. This book was released on 2016-04-04 with total page 221 pages. Available in PDF, EPUB and Kindle. Book excerpt: From 1716 to 1845, Scotland’s banks were among the most dynamic and resilient in Europe, effectively absorbing a series of adverse economic shocks that rocked financial markets in London and on the continent. Legislating Instability explains the seeming paradox that the Scottish banking system achieved this success without the government controls usually considered necessary for economic stability. Eighteenth-century Scottish banks operated in a regulatory vacuum: no central bank to act as lender of last resort, no monopoly on issuing currency, no legal requirements for maintaining capital reserves, and no formal limits on bank size. These conditions produced a remarkably robust banking system, one that was intensely competitive and served as a prime engine of Scottish economic growth. Despite indicators that might have seemed red flags—large speculative capital flows, a fixed exchange rate, and substantial external debt—Scotland successfully navigated two severe financial crises during the Seven Years’ War. The exception was a severe financial crisis in 1772, seven years after the imposition of the first regulations on Scottish banking—the result of aggressive lobbying by large banks seeking to weed out competition. While these restrictions did not cause the 1772 crisis, Tyler Beck Goodspeed argues, they critically undermined the flexibility and resilience previously exhibited by Scottish finance, thereby elevating the risk that another adverse economic shock, such as occurred in 1772, might threaten financial stability more broadly. Far from revealing the shortcomings of unregulated banking, as Adam Smith claimed, the 1772 crisis exposed the risks of ill-conceived bank regulation.
Book Synopsis Scotland analysis by : Great Britain: H.M. Treasury
Download or read book Scotland analysis written by Great Britain: H.M. Treasury and published by Stationery Office. This book was released on 2013-05-20 with total page 116 pages. Available in PDF, EPUB and Kindle. Book excerpt: The second Scotland analysis paper, Currency and monetary policy, explained that the currency and macroeconomic framework that operates across the UK would not be able to continue between two separate states. In the event of a vote for independence, there would be further consequences for the financial sector and for its customers which are analysed in the current paper. The most profound implication is that independence would create two separate financial jurisdictions: the continuing UK and a new, independent Scotland, which would require its own legal and regulatory framework. The competitiveness of Scotland's financial sector is aided by its location within the UK. Industry and international bodies view the UK as a strong tax and regulatory regime, building customers' and partner organisations' trust in UK financial firms. Being part of the UK helps support the Scottish financial services sector, which generates employment not just in financial services firms, but in the professional and other services that support the sector. Location in a larger economy also helps to reduce firms' cost of borrowing because markets perceive these firms as less of a risk. If Scotland became independent, this position would be called into question: The Scottish banking sector would be exceptionally large compared to the size of an independent Scotland's economy, making it more vulnerable to financial shocks than it is as part of the larger UK. There could be questions about an independent Scotland's ability to stabilise its banking system in the event of a future financial crisis
Book Synopsis The Scottish Economy and Nationalism by : James Foley
Download or read book The Scottish Economy and Nationalism written by James Foley and published by Taylor & Francis. This book was released on 2023-08-18 with total page 185 pages. Available in PDF, EPUB and Kindle. Book excerpt: Scotland’s economic capacity to prosper independently of Britain has become a key political issue, dominating the independence referendum of 2014 and continuing to influence British politics since. But, as this book shows, the Scottish economy is not merely a statistical object – it is also a political, sociological and cultural idea which has been imagined and constructed. The book explores the history of how Scotland has been framed in statistical and policy terms, which are laden with conflicts over meaning, ranging from class struggles and struggles against "external control" to the ongoing debate over national independence. Using Scotland as a case study for examining the political meaning of "the economy", the book also considers the origins of efforts to measure the Scottish economy in the British nationalist terms of "regional policy". It then considers the influence, in turn, of North Sea oil, globalisation/Europeanisation, class dealignment and neoliberal "enterprise" ideology in changing the meanings attached to the Scottish economy. These form necessary conditions for the debate on national independence, where the nature and the future of the Scottish economy remain the central controversy. By examining the economic ideas of a self-proclaimed "cosmopolitan" nationalist movement, the study will offer deeper insights into how nationalists are adapting to the crisis of globalisation. This book marks a significant contribution to the literature on Scottish independence as well as economic sociology, nationalism, critical geography and political economy more broadly.
Book Synopsis Banking in Scotland by : Great Britain: Parliament: House of Commons: Scottish Affairs Committee
Download or read book Banking in Scotland written by Great Britain: Parliament: House of Commons: Scottish Affairs Committee and published by The Stationery Office. This book was released on 2010-03-08 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report examines the impact on Scotland of the current economic crisis, specifically the recapitalisation of two of its largest banks: Royal Bank of Scotland (RBS) and the newly merged Lloyds TSB and Halifax Bank of Scotland. Evidence suggests that customers are not being fairly treated by the very banks being supported by taxpayers' money to the tune of hundreds of billions of pounds. The Committee is disappointed that both banks and the Minister consider it a necessary evil to reward to certain bank executives with enormous bonuses when thousands of rank and file employees face redundancy. They are not convinced that there has been a change of culture within banks as a result of the crisis and are concerned that front-line staff are still being pressured to sell potentially unsuitable products such as loans and credit cards to customers at pre-crisis levels. Furthermore, small and medium sized businesses vital to the Scottish economy have experienced extreme difficulties in the past eighteen months in accessing the finance necessary to keep themselves afloat. This inquiry specifically covered the effect of the banking crisis on jobs, services to the public and small business lending in Scotland; the effect of the failure of Scottish banks and building societies on the international reputation of Scotland's banking sector and the effectiveness of measures put in place by the UK Government
Book Synopsis The Scottish Question by : James Mitchell
Download or read book The Scottish Question written by James Mitchell and published by Oxford University Press, USA. This book was released on 2014 with total page 321 pages. Available in PDF, EPUB and Kindle. Book excerpt: Sets the Scottish independence referendum in context, exploring the questions of national identity, everyday public policy, structures of government and constitutional politics, drawing on a range of sources to illustrate why the Scottish Question can never be answered definitively.
Book Synopsis Transformation of Scotland by : Tom M. Devine
Download or read book Transformation of Scotland written by Tom M. Devine and published by Edinburgh University Press. This book was released on 2019-07-29 with total page 320 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is the first comprehensive history of the Scottish economy over the last three centuries to appear in a generation. Written by leading scholars in the field, it presents 'state of the art' research in an accessible style to all those interested in understanding the historical context of modern Scotland. Fresh interpretations are revealed on such key and controversial issues as the impact of the Union of 1707, the Clearances, the rise and fall of Scottish heavy industry and the recent transformation of the modern economy. The distinctive features of the Scottish economic system are stressed but these are also analysed within a British and international context. The focus of the volume is both broad and detailed with full treatment of agriculture, finance, industry and the service sector as well as the impact of momentous economic changes on the lives of the people and the massive new role in the twentieth century of the state in economic affairs. At a time of intense debate on the present and future condition of Scotland under a devolved parliament and executive, this book provides the essential background and the long-run perspectives on the challenges and opportunities facing the nation.
Book Synopsis Scotland and the Union by : Hector MacQueen
Download or read book Scotland and the Union written by Hector MacQueen and published by Edinburgh University Press. This book was released on 2019-08-05 with total page 150 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is an issue of our quarterly journal Hume Papers on Public Policy - the journal of the David Hume Institute.
Book Synopsis The Scottish Independence Referendum by : Aileen McHarg
Download or read book The Scottish Independence Referendum written by Aileen McHarg and published by Oxford University Press. This book was released on 2016 with total page 385 pages. Available in PDF, EPUB and Kindle. Book excerpt: The September 2014 Scottish independence referendum was an event of profound constitutional and political significance, not only for Scotland, but for the UK as a whole. Although Scottish voters chose to remain in the UK, the experience of the referendum and the subsequent political reaction to the 'No' vote that triggered significant reforms to the devolution settlement have fundamentally altered Scotland's position within the Union. The extraordinary success of the Scottish National Party at the 2015 General Election also indicates that the territorial dimension to UK constitutional politics is more prominent than ever, destabilising key assumptions about the location and exercise of constitutional authority within the UK. The political and constitutional implications of the referendum are still unfolding, and it is by no means certain that the Union will survive. Providing a systematic and academic analysis of the referendum and its aftermath, this interdisciplinary edited collection brings together public lawyers, political scientists, economists, and historians in an effort to look both backwards to, and forwards from, the referendum. The chapters evaluate the historical events leading up to the referendum, the referendum process, and the key issues arising from the referendum debate. They also explore the implications of the referendum both for the future governance of Scotland and for the UK's territorial constitution, drawing on comparative experience in order to understand how the constitution may evolve, and how the independence debate may play out in future.
Book Synopsis Scotland Mineral, Mining Sector Investment and Business Guide Volume 1 Strategic Information and Regulations by : IBP USA
Download or read book Scotland Mineral, Mining Sector Investment and Business Guide Volume 1 Strategic Information and Regulations written by IBP USA and published by Lulu.com. This book was released on 2013-08 with total page 280 pages. Available in PDF, EPUB and Kindle. Book excerpt: Scotland Mineral & Mining Sector Investment and Business Guide - Strategic and Practical Information
Book Synopsis Financial Stability without Central Banks by : George Selgin
Download or read book Financial Stability without Central Banks written by George Selgin and published by London Publishing Partnership. This book was released on 2018-01-04 with total page 90 pages. Available in PDF, EPUB and Kindle. Book excerpt: George Selgin is one of the world's foremost monetary historians. In this book, based on the 2016 Hayek Memorial Lecture, he shows how a system of private banks without a central bank can bring about financial stability through self-regulation. If one bank stretches credit too far, it will be reined in by the others before the system as a whole gets out of control. The banks have a strong incentive to ensure an orderly resolution if a particular bank is facing insolvency or illiquidity. Selgin draws on evidence from the era of 'free banking' in Scotland and Canada. These arrangements enjoyed greater financial stability, with fewer banking crises, than the English system with its central bank and the US model with its faulty government regulation. The creation of the Federal Reserve appears to have increased the frequency of financial crises. The book also includes commentaries by Kevin Dowd and Mathieu Bédard. Dowd asks whether free-banking systems should be underpinned by a gold standard, which he regards as a tried-and-tested institution at the heart of their success. Bédard challenges the assumption that the banking sector is inherently unstable and therefore requires state intervention. He argues that increases in government control have made the banking system more prone to crisis.
Book Synopsis House of Commons - Scottish Affairs Committee: The Referendum on Separation for Scotland, Session 2013-14 - HC 140-I by : Great Britain: Parliament: House of Commons: Scottish Affairs Committee
Download or read book House of Commons - Scottish Affairs Committee: The Referendum on Separation for Scotland, Session 2013-14 - HC 140-I written by Great Britain: Parliament: House of Commons: Scottish Affairs Committee and published by The Stationery Office. This book was released on 2013-10-07 with total page 234 pages. Available in PDF, EPUB and Kindle. Book excerpt: Incorporating HC 139-xv - HC 139-xx, session 2012-13 and follows on from HC 139-II, session 2012-13 (ISBN 9780215052551). For related report, see HCP 542 (ISBN 9780215047489)
Book Synopsis The Financial Services Sourcebook by : Robert Cunnew
Download or read book The Financial Services Sourcebook written by Robert Cunnew and published by Routledge. This book was released on 2017-09-29 with total page 351 pages. Available in PDF, EPUB and Kindle. Book excerpt: Provides a first port of call for those seeking information sources in a sector that has undergone tremendous change in recent years. Includes information on banks and building societies, insurance companies, investment funds and pension funds. Highlights essential reference works, consumer information, career guides, technical reports, official publications, market and company research, product information and electronic resources. Identifies the most appropriate sources and provides assistance in choosing between competing items and provides an overview of significant international sources
