Current issues in financial services:
Gespeichert in:
| Format: | Buch |
|---|---|
| Sprache: | English |
| Veröffentlicht: |
Basingstoke u.a.
Macmillan
1995
|
| Ausgabe: | 1. publ. |
| Schriftenreihe: | Macmillan business
|
| Schlagworte: | |
| Online-Zugang: | Inhaltsverzeichnis |
| Beschreibung: | XIX, 196 S. graph. Darst. |
| ISBN: | 0333567943 0333567994 |
Internformat
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| 245 | 1 | 0 | |a Current issues in financial services |c ed. by Brian Anderton |
| 250 | |a 1. publ. | ||
| 264 | 1 | |a Basingstoke u.a. |b Macmillan |c 1995 | |
| 300 | |a XIX, 196 S. |b graph. Darst. | ||
| 336 | |b txt |2 rdacontent | ||
| 337 | |b n |2 rdamedia | ||
| 338 | |b nc |2 rdacarrier | ||
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| 650 | 7 | |a Financiën |2 gtt | |
| 650 | 7 | |a Information technique - Grande-Bretagne |2 ram | |
| 650 | 7 | |a Services financiers - Grande-Bretagne |2 ram | |
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| 650 | 4 | |a Financial services industry |z Great Britain | |
| 650 | 4 | |a Information technology |z Great Britain | |
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Datensatz im Suchindex
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|---|---|
| adam_text | Contents
List ofTables viii
List ofFigures x
Notes on the Contributors xi
Acknowledgements xvii
Preface xviii
1 Introduction Brian Anderton 1
1 The growth and significance of the financial
Services sector 2
2 Significance of financial Services in the economy 3
3 The pace of change 7
2 The Framework of Financial Regulation Fundamentallv
Flawed? Stephen Curry and Howard Jarman 13
1 Introduction 3
2 The present System 14
3 A cumbersome system 16
4 Compensation costs 20
5 Commission 21
6 Self regulationorself delusion? 22
7 Competence? 24
8 Investor choice and investor information both lacking 25
9 Crime pays 25
10 Recommendation piecemeal change 26
11 Recommendations wholesale change 27
3 Regulation in Practice
Patrick Bentley, Howard Jarman and David Winstone 31
1 Introduction 31
2 Bank supervision and regulation 31
v
List of Figur es
1.1 Credit creation in the banking System 5
2.1 The framework of investor protection 16
2.2 The fragmented nature of investor protection 17
2.3 Regulatory structure framework 18
2.4 Suggested new regulatory framework 29
4.1 Net interest margins for banks and building societies,
1980 92 62
4.2 The net interest spread 63
5.1 File based approach to data storage 75
5.2 Account based data 76
5.3 Database approach to data storage 77
5.4 Relational data tables 78
7.1 The Utility of wealth 101
7.2 Efficient portfolios 102
7.3 The capital market line 103
8.1 The traditional approach to risk credit appraisal 124
8.2 Lending with knowledge of the past and the future 124
8.3 Traditional lending model 125
8.4 John James Precision Engineering Ltd: Company data 128
8.5 John James Precision Engineering Ltd: Balance Sheets 128
8.6 John James Precision Engineering Ltd: budgeted cash
flow Statement 130
8.7 John James Precision Engineering Ltd : itemised
working capital calculations 132
8.8 Financial ratios: categoric framework 134
8.9 Comparing the Performance of firms 136
8.10 ; score for discriminant analysis 138
10.1 The kinked demand model 160
10.2 The Cournot duopoly model 161
x
vi Contents
3 The Basle Accord 33
4 The supervision of building societies 36
5 The supervision and state regulation of insurance 41
4 The Macroeconomic Environment David Ramsay 48
1 Introduction 48
2 Macroeconomic developments 49
3 Banks and other financial institutions 55
4 Conclusions 64
5 The Impact of Information Technology on the Financial
Services Sector Brian Anderton, John Davis, Guhlum
Hussain and Alan Staley 67
1 Introduction 67
2 The impact of information technology: an overview 68
3 Operational issues 73
4 Relational databases 75
5 The database approach 77
6 Conclusions 78
6 The Tax Environment Pandora Hancock 80
1 Introduction 80
2 An initial look at taxation in the UK 81
3 Taxation: the historical perspective 82
4 Fiscal neutrality 83
5 Taxation today 83
6 Recent developments in UK tax legislation 88
7 Conclusions 93
7 Institutional Investment Theory and Practice
Stephen Curry 95
1 Growth of institutional investment 95
2 Institutional investment the theory 100
3 Problems in applying modern portfolio theory 104
4 Asset allocation by type of fund 110
5 Summary and conclusions 118
8 Corporate Credit Analysis Tony Sawyer and Ken Andrews 122
1 Introduction 122
2 Bank lending a traditional approach 122
Contents vii
3 Case Study: John James Precision Engineering 126
4 Corporate credit analysis a modern approach 133
5 Conclusions 140
9 The Problem of Costs and Cost Identification John Davis 142
1 Introduction 142
2 The significant rise in consumer credit 142
3 The complicated business of retail banking and
the diverse financial services industry 143
4 Low bank profitability and the problem of the
financial service industry s cost structure 145
5 Retail branch banking is very expensive 147
6 The problem of costing intangible products 151
7 Conclusions 155
10 Marketing and Corporate Strategy for Financial Institutions
David Deakins and Stephen MacKay 157
1 Introduction 157
2 Corporate strategy 158
3 Market structure 158
4 Some applications of theory 159
5 The competitive environment 161
6 Strategy decisions 164
7 The marketing environment 168
8 Marketing decisions 173
9 Conclusions 176
11 A Unified European Market for Financial Services
Diane Walker 178
1 Introduction 178
2 Free movement of capital 178
3 The single licence 178
4 Achievements towards harmonisation 180
5 Problem areas 181
6 Reactions to a unified market 184
7 UK strengths and weaknesses 186
8 Conclusions 188
Index 191
List of Tables
1.1 Changing structure of employment, UK, 1971 93 2
1.2 Proportion of total UK employment,
Banking/Finance/Insurance, 1971 93 3
1.3 Components of M4, 1993:4 4
1.4 Households, Great Britain, 1961 91 12
2.1 Costs of the regulatory system 19
2.2 Compensation and allocation to SROs, 1988 90 to 1991 2 21
2.3 Compensation caps on SROs 21
3.1 Varying requirements for capital under the Basle Accord 34
3.2 Progressive increases in Class 2 and 3 limits, 1986 93 38
4.1 The UK macroeconomy, 1950 92 50
4.2 Large British banks, sources of income, 1987 92 56
4.3 UK real growth rates, 1971 92 56
4.4 UK banks, lending to UK residents. 1987/8 1992 58
4.5 UK banks sterling deposits and interest rates, 1981 92 60
4.6 Domestic net interest spread and margins, 1980 92 61
7.1 Percentage of total market value of UK listed ordinary
shares held by different groups, 1963 92 96
7.2 Personal sector, acquisition and sale of financial assets,
1988 92 97
7.3 Selected asset holdings of self administered pension funds,
1978 and 1990 111
7.4 Selected asset holdings of long term insurance funds,
1978 and 1990 113
7.5 Selected asset holdings of UK authorised unit trusts,
1978 and 1993 114
7.6 Selected asset holdings of UK approved investment trusts,
1978 and 1993 117
9.1 The rise in UK consumer credit, 1982 92 143
9.2 Domestic bank spreads, 1986 and 1990 146
9.3 Post tax percentage return on average total assets, 1986 92 146
9.4 British banks and building society branch size,
1982 and 1992 148
viii
List of Tables ix
9.5 UK consumer credit, new advances, 1982 and 1992 149
9.6 Comparative staff costs, 1992 149
9.7 Operating costs as a percentage of operating income, 1992 150
9.8 Midland Bank, service delivery costs, 1989 and 1992 152
10.1 The growth in shares and deposits with building societies,
1979 90 162
10.2 Banks and building societies advances compared,
1980 90 163
10.3 Financial assets of the UK personal sector, 1981, 1989
and 1993 170
10.4 Financial liabilities of the UK personal sector, 1981
and 1990 170
10.5 Top 10 brands, 1990, by advertising spend 174
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| id | DE-604.BV010570292 |
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| indexdate | 2024-07-09T17:55:12Z |
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| isbn | 0333567943 0333567994 |
| language | English |
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| physical | XIX, 196 S. graph. Darst. |
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| publishDate | 1995 |
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| publisher | Macmillan |
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| spelling | Current issues in financial services ed. by Brian Anderton 1. publ. Basingstoke u.a. Macmillan 1995 XIX, 196 S. graph. Darst. txt rdacontent n rdamedia nc rdacarrier Macmillan business Finances - Grande-Bretagne ram Financiën gtt Information technique - Grande-Bretagne ram Services financiers - Grande-Bretagne ram Finance Great Britain Financial services industry Great Britain Information technology Great Britain Kreditwesen (DE-588)4032950-1 gnd rswk-swf Großbritannien (DE-588)4143413-4 Aufsatzsammlung gnd-content Kreditwesen (DE-588)4032950-1 s DE-604 Anderton, Brian Sonstige oth HBZ Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=007045671&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Current issues in financial services Finances - Grande-Bretagne ram Financiën gtt Information technique - Grande-Bretagne ram Services financiers - Grande-Bretagne ram Finance Great Britain Financial services industry Great Britain Information technology Great Britain Kreditwesen (DE-588)4032950-1 gnd |
| subject_GND | (DE-588)4032950-1 (DE-588)4143413-4 |
| title | Current issues in financial services |
| title_auth | Current issues in financial services |
| title_exact_search | Current issues in financial services |
| title_full | Current issues in financial services ed. by Brian Anderton |
| title_fullStr | Current issues in financial services ed. by Brian Anderton |
| title_full_unstemmed | Current issues in financial services ed. by Brian Anderton |
| title_short | Current issues in financial services |
| title_sort | current issues in financial services |
| topic | Finances - Grande-Bretagne ram Financiën gtt Information technique - Grande-Bretagne ram Services financiers - Grande-Bretagne ram Finance Great Britain Financial services industry Great Britain Information technology Great Britain Kreditwesen (DE-588)4032950-1 gnd |
| topic_facet | Finances - Grande-Bretagne Financiën Information technique - Grande-Bretagne Services financiers - Grande-Bretagne Finance Great Britain Financial services industry Great Britain Information technology Great Britain Kreditwesen Großbritannien Aufsatzsammlung |
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