scholarly journals Challenges and Implementation of Financial Institutions Development Policy in Laos on 2016-2020

2017 ◽  
Vol 11 (1) ◽  
pp. 115
Author(s):  
Maliny Sourigna ◽  
Shuzhen Zhu ◽  
Syed Ahtsham Ali
Keyword(s):  
Risk Management ◽  
Financial Institutions ◽  
Capital Market ◽  
Development Policy ◽  
System Development ◽  
Listed Company ◽  
Lao Pdr ◽  
Banking System ◽  
Financial System ◽  
Implementation Challenges

This study focuses on the financial system development policy in 5 years of the Lao PDR which referring to "Lao strategic financial system development plan 2016-2025 and vision to 2030". The main policies include the upgrading and implementation of the supervision system, innovation in financial infrastructures with effective risk management, develop and stabilize banking system and non-banking financial institutions. Increasing number of the listed company and financial products creates diversification in the capital market. From the synthesizer environment and current situation of financial development in the country, the policy implementation challenges are analyzed from empirical environment of financial system in the country. Additionally, other challenges on supervision tools, under capitalization, less product types, small size of capital market, and risk management challenge which came from unconnected information system and uncompleted of related institutions are also discussed. Moreover, effective policy to address the challenges and the missing points for further policies are also discussed.

Critical Analysis of the Zero Risk Weight Privilege for European Sovereign Debt in Light of Art. 124 TFEU

2020 ◽  
Vol 17 (1) ◽  
Author(s):  
Patrick Hauser
Keyword(s):  
Financial Institutions ◽  
Sovereign Debt ◽  
Banking System ◽  
Financial System ◽  
Significant Risk ◽  
Capital Adequacy ◽  
Individual Member ◽  
Member States ◽  
The Individual ◽  
Credit Institutions

AbstractThe zero risk weight privilege for European sovereign debt in the current capital adequacy requirements for credit institutions incentivises credit institutions to acquire and hold sovereign debt. However, it also poses a significant risk to the stability of the banking system and thus the financial system as a whole. It is argued that this privilege should not only be abolished due to the risk it entails but that it is also non conformant with EU primary law. Art. 124 TFEU prohibits privileged access of the EU and Member States' public sector to financial institutions except for prudential considerations. The protective purpose of Art. 124 TFEU to ensure sound budgetary policies by subjecting public borrowing to the same rules as borrowing by other market participants is thwarted by the uniform zero risk weight privilege. Further, as this privilege does not take into account the varying creditworthiness of the individual Member States it does not promote the soundness of financial institutions so as to strengthen the soundness of the financial system as whole, but rather endangers systemic stability. The zero risk weight privilege is therefore not based on prudential considerations and hence violates Art. 124 TFEU.

scholarly journals Financial system development progress in Western Balkans

2017 ◽  
Vol 12 (2) ◽  
pp. 7-19 ◽  
Author(s):  
Emira Kozarević ◽  
Nedžad Polić ◽  
Amela Perić
Keyword(s):  
Ownership Structure ◽  
System Development ◽  
Banking System ◽  
Financial System ◽  
Status Quo ◽  
Capital Adequacy ◽  
Western Balkans ◽  
Financial Systems ◽  
Developing Regions ◽  
Available Information

Financial system supports economic growth, while its regulatory framework provides stability for investors. Develo-ping countries with bank-oriented financial systems are not attractive to investors, so prolonged status quo leads to economic deterioration. This is particularly the case with some of the most underdeveloped areas in Europe: Western Balkans. It is essential the developing countries in this region consider steps towards financial liberalization, which will help open the borders for capital flows and attract new investments. The main goal of this paper is to review and present the available information related to the banking system development in Western Balkans in terms of ownership structure, capital adequacy, loan and asset performance, return on investment and liquidity. These indicators should provide a clearer picture of the current financial systems in Western Balkans economies and their development progress – useful for comparison with other developing regions and financial transformation and liberalization efforts.

scholarly journals Appraisal of Financial Situation of the Polish Banking Sector from 2008 to 2012

Management ◽  
2013 ◽  
Vol 17 (2) ◽  
pp. 177-189
Author(s):  
Paweł Trippner
Keyword(s):  
Economic Development ◽  
Financial Markets ◽  
Financial Institutions ◽  
Banking Sector ◽  
Banking System ◽  
Financial System ◽  
The European Union ◽  
Financial Situation ◽  
Financial Condition ◽  
European Union Countries

Summary Appraisal of Financial Situation of the Polish Banking Sector from 2008 to 2012 The banking system is a very important element of the financial system of a country. As institutions of public trust, banks play a crucial role in the process of transforming savings into investments, which directly affects the country’s economic development. Maintaining the banking sector in a good financial condition guarantees stability of the financial system and economic development of Poland. The article aims to present the essence of operations of banks as financial institutions, present their role in the economy, and describe various methods of appraising their financial condition. In order to fulfil the above goals, a research hypothesis is put forward stating that the financial condition of the banking sector in Poland deteriorated in the analysed period as a result of an adverse impact of turbulence in financial markets and problems in banking sectors in the European Union countries.

scholarly journals Herramienta metodológica de la Gestión de Riesgo Operativo en pos de la optimización del control interno para instituciones bancarias ecuatorianas

UDA AKADEM ◽  
2020 ◽  
pp. 83-127
Author(s):  
Ximena Abril-Fajardo
Keyword(s):  
Risk Management ◽  
Financial Institutions ◽  
Banking System ◽  
Occupational Accidents ◽  
Operative Field ◽  
Institutional Image ◽  
Loss And Damage ◽  
Banking Institutions ◽  
Operational Processes ◽  
The Impact

eL artículo propuso un análisis de los riesgos, de carácter interno o externo, que se pueden dar en el campo operativo de las entidades bancarias; por ello, se necesita estar preparados para que el impacto de dicho riesgo no sea tan devastador con pérdidas económicas y daños en su imagen institucional. Por lo tanto, es prioritario identificar, oportunamente, eventos no deseados que se pueden generar por errores operativos de las personas, fallas en los sistemas tecnológicos o en la infraestructura que pueden repercutir en un incremento de accidentes de trabajo y procesos no definidos o engorrosos que retrasan el flujo de las operaciones, creando costos y gastos innecesarios. Se concluyó que fue necesaria la creación de una unidad de gestión de integrales, a base de una metodología que podría prever los riesgos a futuro y tomar medidas a fin de evitar riesgos previsibles y no previsibles.Palabras clave: impacto, incertidumbre, mitigar, probabilidad, scoring Abstract.his article proposes an analysis of the risks that can be an impact in the operative field of banking institutions. These risks may be internal or external which is why financial institutions need to be prepared so that the impact on that banking system will not devastating causing economical loss and damage on the institutional image. Therefore, priorities should be identified to prevent unwanted events that can generate operative errors, technological system and infrastructure damages, which can have repercussions on occupational accidents and undefined processes. These would delay operational processes generating unnecessary costs and expenses. It is necessary to create a Risk management unit that would anticipate the future risks and could avoid those that are predictable and no predictable.Key Words: impact, uncertainty, mitigate, probability, scoring.  

Banking Outreach: A Geographic and Demographic Analysis for Countries of the Gulf Cooperation Council

2020 ◽  
pp. 239490152097745
Author(s):  
Vibha Bhandari ◽  
Vikram Mohite
Keyword(s):  
System Development ◽  
Banking System ◽  
Financial System ◽  
Vital Role ◽  
Demographic Analysis ◽  
Financial Systems ◽  
Bank Branches ◽  
Demographic Indicators ◽  
The People ◽  
Real Growth

Financial system development and growth share a two-way relationship. A developed financial system enterprises real growth and a growing economy’s demand leads to the development of the financial sector. In order to realize the goals of development, it is important that the financial system should not only be developed but also be inclusive. Banking system/institutions of countries have played a vital role in promoting and establishing financial systems to meet the requirements of the majority of people. Improved access to banks results in financial inclusion and sustainable development. Globally, the country governments have made several policy decisions and adopted regulations to ensure that banks reach to majority of the people. This article aims to analyze the banking outreach for the countries of GCC for a period of seven years from 2010 to 2017. This analysis will be based on geographic and demographic indicators of the outreach of banks’ physical outlets in the form of bank branches and its ATMs. This analysis will help to identify the countries of GCC with easier geographic and demographic access.

scholarly journals State Financial System in Indonesia: Some Recent Developments

2020 ◽  
Vol 2 (2) ◽  
pp. 147-166
Author(s):  
Muhamad Adji Rahardian Utama ◽  
Muhammad Reza Maulana ◽  
Fadhilah Rizky Aftriani Putri ◽  
Fauziah Ramadhani ◽  
Setyarini Nur Octaviana
Keyword(s):  
Financial Institutions ◽  
Capital Market ◽  
Pension Fund ◽  
Financial System ◽  
Fundamental Change ◽  
Financial Systems ◽  
Legal Power ◽  
Recent Developments ◽  
History Of ◽  
Comparative Model

The history of the development of the Indonesian financial system, the system of financial institutions underwent a very fundamental change, especially after entering the era of deregulation, the policy package October 27, 1988 which then continued with the enactment of several laws in the field of finance and banking since 1992, starting from the Banking Act, Act Insurance Act, Pension Fund Act, Capital Market Law, until the Bank Indonesia Law. The consequence of the issuance of this law is the change in the structure of the financial institutions in Indonesia. In addition, from the aspect of regulation and fostering, financial institutions are becoming increasingly clear and strong because they already have legal power, especially in the field of insurance and pension funds, which were previously legally regulated only on financial ministerial decisions. This paper analyzes the latest developments in the country's financial system in Indonesia. This paper aims to provide an overview, study, and compare about the developing financial system in Indonesia with several cases of existing financial systems both domestically and abroad. This paper also uses a comparative model of laws, where these laws relate directly or indirectly to the country's financial system.

scholarly journals THE ALBANIAN ECONOMY IN THE STOCK MARKET PERSPECTIVE

2019 ◽  
Vol 31 (1) ◽  
pp. 149-155
Author(s):  
Bajram Lamaj ◽  
Stefan Simeonov
Keyword(s):  
Interest Rates ◽  
Capital Market ◽  
Banking Sector ◽  
Stock Exchange ◽  
Banking System ◽  
Financial System ◽  
Economic Benefits ◽  
Stock Index ◽  
Individual Investors ◽  
The Capital Market

Since the origin of the capitalist economic system, Albania suffers from a shrinking financial system. The financial system lacks what is perhaps the most important and dynamic part in developed economies: a capital market. It is an important element for the country's economic and financial development, as it is a very competitive alternative to the banking sector, reducing intermediation costs for businesses and all economic operators by enabling cheaper alternatives to fund the activity. Today, the banking system has almost exhausted opportunities to be a business financing promoter. And this is the stage where the Albanian economy has come to. Businesses cannot meet all the financing needs of the banking system, while on the other hand, there are individuals who, at the moment, have little choice of investment of their savings. Interest rates, both for bank deposits and government securities, have already reached an extremely low level and are not at all attractive for individual investors, which makes them look for far more attractive investment alternatives. In this way the scholarship will bring an alternative that individuals can invest savings in shares or other securities of companies that will be interested in trading in Albania thus developing the capital market and taking advantage of all the economic benefits that it brings. In this paper, we will firstly address the concept of the capital market and the elements that shape it as well as its development in Albania. The main purpose of this paper is to identify the problems faced by Tirana's former scholarship, to study the situation and the current opportunities of the Albanian economy to develop this structure of the capital market, namely the stock exchange, and to create a stock index model with which Albania can develop this structure and why not be represented in the regional and international markets.

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