9 Conduct Regulation

2016 ◽  
Author(s):  
Morris Simon
Keyword(s):  
Competition Policy ◽  
Consumer Credit ◽  
Proper Treatment ◽  
Market Conduct ◽  
General Insurance ◽  
Product Regulation

This chapter looks at conduct regulation. The conduct standards contained in the Financial Conduct Authority’s (FCA) five main conduct of business sourcebooks—banking (BCOBS), investment business (COBS), general insurance (ICOBS), mortgages (MCOB), and consumer credit (CONC)—are explained. It then assesses FCA principle 10 (PRIN 10) and the underlying rules on the proper treatment of client assets (in CASS). Examples of instances in which action was brought for a breach of FCA principle 5 (PRIN 5)—on the need to observe proper standards of market conduct—are listed. It provides an overview of the six broad elements of product governance. The FCA’s recent changes to COBS in relation to its stance on product regulation and intervention are explained. The FCA’s competition policy—based on its objective to adopt a pro-competition approach to regulation—is explored, and a number of FCA market studies examining competition issues are reviewed.

Contested Contestability: Competition Policy and the Development of Communications Satellite Broadcasting in Japan

2012 ◽  
Vol 14 (2) ◽  
pp. 1-19
Author(s):  
Adam Johns
Keyword(s):  
Open Access ◽  
Competition Policy ◽  
Return On Investment ◽  
Vertical Separation ◽  
Contestable Markets ◽  
Market Conduct ◽  
Satellite Broadcasting ◽  
Major Player ◽  
And Performance

This paper analyses the application of competition policy regulation and its effect on market conduct and performance through the case study of communication satellite broadcasting in Japan. Focusing on structural regulations such as vertical separation and conduct regulations such as open access, this paper questions whether regulations have effectively led to contestable markets by examining the shareholding relationships of major player SKY PerfecTV. Findings presented here suggest that regulation designed in principle to achieve performance-oriented goals of contestability and diversity actually impaired the functioning of the market and the ability of industry players to obtain an adequate return on investment.

Part V Deposit-Taking and Consumer Credit Conduct of Business, 16 Conduct of Business for Banks, Other Deposit-Takers, and Payment Services Providers

2014 ◽  
Author(s):  
Clark Richard
Keyword(s):  
Financial Services ◽  
Consumer Credit ◽  
Product Regulation ◽  
Payment Services

This chapter discusses the rules and regulations for the conduct of business of banks, deposit-takers, and providers of payment services. The banking and payment services conduct regime involves elements of both information regulation (an approach based on disclosure or transparency) and product regulation, in the sense of mandatory rights and obligations for the services provided. In contrast to the more highly regulated realm of retail investments, there is no attempt at advice regulation, albeit the Financial Services Authority has indicated that it is considering whether it should make further provision for advice on deposits, and in particular structured deposits (where the interest or return is dependent on the performance of an underlying index/indices, stock(s) or commodity/commodities).

The History of Consumer Credit

2000 ◽  
Author(s):  
Rosa-Maria Gelpi ◽  
François Julien-Labruyère
Keyword(s):  
Consumer Credit ◽  
History Of

Competition Policy under Economic Crisis

2009 ◽  
pp. 54-69 ◽  
Author(s):  
A. Shastitko ◽  
S. Avdasheva ◽  
S. Golovanova
Keyword(s):  
Division Of Labor ◽  
Economic Crisis ◽  
Industrial Policy ◽  
Competition Policy ◽  
Transition Economy ◽  
Economic Recession ◽  
Price Rigidity ◽  
Key Factor ◽  
Policy Measures ◽  
The Impact

The analysis of competition policy under economic crisis is motivated by the fact that competition is a key factor for the level of productivity. The latter, in its turn, influences the scope and length of economic recession. In many Russian markets buyers' gains decline because of the weakness of competition, since suppliers are reluctant to cut prices in spite of the decreasing demand. Data on prices in Russia and abroad in the second half of 2008 show asymmetric price rigidity. At least two questions are important under economic crisis: the 'division of labor' between pro-active and protective tools of competition policy and the impact of anti-crisis policy on competition. Protective competition policy is insufficient in transition economy, especially in the days of crisis it should be supplemented with the well-designed industrial policy measures which do not contradict the goals of competition. The preferable tools of anti-crisis policy are also those that do not restrain competition.

ANALYSIS OF PLANT FRAGARIA XANANASSA DISEASE DIAGNOSES USING PRODUCTION RULES BASE ON EXPERT SYSTEM

2020 ◽  
Vol 16 (1) ◽  
pp. 25-32
Author(s):  
Basiroh Basiroh ◽  
Wiji Lestari
Keyword(s):  
Expert System ◽  
Early Diagnosis ◽  
General Public ◽  
Insect Pests ◽  
Fruit Rot ◽  
Proper Treatment ◽  
Harvest Time ◽  
Production Rules

Errors that occur in solving problems in strawberry plants (Fragaria Xananassa) such as the presence of leaf patches, fruit rot, perforated leaves, and insect pests can be the cause of not maximum in harvest time. The farmers and the general public who planted strawberry (Fragaria Xananassa) need to know the proper treatment of diseases and pests so that future yields as expected. Therefore, it takes an application as a solution in the delivery of information related to the problems that are often encountered in strawberry plants (Fragaria Xananassa). Methods of production rules can be used to diagnose the disease strawberry (Fragaria Xananassa) based on signs or symptoms that occur in the parts of plants and strawberry, the results of diagnosis using this method are the same as we do Consultation on experts.  The purpose of this study was to determine the early diagnosis of disease in strawberry plants (Fragaria Xananassa) based on signs or symptoms that occur in the plant and fruit parts. The results of the analysis of this study showed that the validation of disease and symptom data in strawberry plants (Fragaria Xananassa) reached 99%, meaning that between the data of symptoms and disease understudy the accuracy was guaranteed with the experts.

PERILAKU PERAJIN DALAM MENINGKATKAN KINERJA PASAR*

2007 ◽  
Vol 8 (2) ◽  
pp. 163
Author(s):  
P. Eko Prasetyo
Keyword(s):  
National Development ◽  
Small Scale ◽  
Market Penetration ◽  
Economic Sectors ◽  
Rural People ◽  
Market Conduct ◽  
Goods And Services ◽  
Small Scale Industry ◽  
Positive Discrimination ◽  
Equal Right

This study has taken position for developing of small-scale industry (SSI) is necessary strategy or market conduct policy and market performance. For that objective, the realization steps needed are: (a) re-examining about national development objective; (b) conducting political system restructurization that enable all people has equal right to participate in the economic sectors; (c) allocating and distributing economic resources and production facilities in equitable manner especially for rural people; and also (d) making more deep market penetration for goods and services of SSI through issuing inceptives and positive discrimination policies for SSI in supplying their production input, production process and marketing. Promotion intensification and nourishing cooperation with another kind of enterprise will be a beneficial.

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