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This document is a group project presentation on the global financial crisis and its impact on international financial institutions in Asia. The group members are listed. The presentation aims to understand the crisis, how it affected institutions in Asia, identify its impacts, and analyze Asia's responses. It provides background on the crisis's origins in subprime lending and discusses effects in different Asian regions, such as profits falling in Japan but China being largely unaffected. It also outlines regional cooperation responses like ASEAN countries joining G20 and establishing the Credit Guarantee and Investment Facility.
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- Statistical hypothesis testing involves a null hypothesis (H0) and alternative hypothesis (Ha). H0 is the initial assumption being tested, while Ha is what would be accepted if H0 is rejected.
- Type I errors incorrectly reject a true null hypothesis. Type II errors fail to reject a false null hypothesis. Hypothesis tests aim to control the probability of type I errors.
- The significance level is the probability of a type I error,
time series analysis
This document provides an overview of time series analysis and its key components. It discusses that a time series is a set of data measured at successive times joined together by time order. The main components of a time series are trends, seasonal variations, cyclical variations, and irregular variations. Time series analysis is important for business forecasting, understanding past behavior, and facilitating comparison. There are two main mathematical models used - the additive model which assumes data is the sum of its components, and the multiplicative model which assumes data is the product of its components. Decomposition of a time series involves discovering, measuring, and isolating these different components.
Chapter 10-DATA ANALYSIS & PRESENTATION
The document outlines the steps for planning and conducting data analysis, including determining the method of analysis, processing and interpreting the data, and presenting the findings through descriptive and inferential statistical analysis techniques to answer research questions. It also discusses the components and format for writing up the final research paper, including the preliminary pages, main body, and supplementary pages.
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The document summarizes the East Asian financial crisis that began in 1997. It started in Thailand with the collapse of major companies which destabilized the economy. This triggered a rapid withdrawal of foreign funds across East Asia due to concerns over political and economic stability. The withdrawals accelerated into a financial panic. Countries were affected through currency depreciation, high inflation, rising debt, and economic contraction. The IMF provided $120 billion in bailouts but its austerity programs may have worsened the crisis. India was less impacted due to capital controls and strong fundamentals.
East Asian Crisis
The document summarizes the East Asian financial crisis of 1997-1998. It provides background on the economic growth and policies of East Asian countries prior to the crisis. It then discusses some of the key factors that contributed to the crisis, including faulty macroeconomic policies, excessive foreign borrowing and risk-taking, and poor lending practices. The crisis began in Thailand and then spread to other countries through financial contagion and loss of investor confidence. The IMF intervened to stabilize currencies and reform banking systems.
Causes and Consequences of the Asian Financial Crisis
Presentation delivered on November 1, 2013 for East Asia Political Economy class at the University of Pennsylvania
Asia bond monitor
The document provides an overview of recent developments in emerging East Asian local currency bond markets. It notes that while growth prospects remain robust in emerging East Asia, uncertainties in the eurozone pose risks. Total bonds outstanding in the region grew 7.0% in 4Q11, led by strong corporate bond growth, while government bond growth was more modest. Inflationary pressures have moderated but may rise again with higher commodity prices.
Bentham Global Credit update
Fixed interest rate markets, global bond markets, and the competing nature of risk versus return provide an update about how governments are tracking when compared to corporates.
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arifanee.com is world's leading website on the hottest financial news, perspectives and behind the scenes stories. arifanees.com brings you insight and information to inspire and transform your paradigm by enriching your with the best of facts and the vision.
arifanees.com
Information-Inspiration-Transformation
adb-investor-presentation-may2016.pdf
This document provides an investor presentation for the Asian Development Bank (ADB). It summarizes ADB's mission to reduce poverty in Asia and the Pacific region through financing projects and programs. It outlines ADB's organizational structure, total approved financing in 2015 of $27.17 billion, and the poverty challenges still facing the region. The presentation also discusses ADB's strong capital base, high asset quality, conservative financial policies and AAA credit ratings. It provides an overview of ADB's borrowing operations across global capital markets to fund its lending portfolio and development activities.
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AFC Vietnam Fund invests in undervalued Vietnamese stock exchange listed securities. The fund was launched on 10th December 2013.
HSBC in 2008 and beyond
HSBC reported strong financial results for 2007, with profit before tax increasing 10% to $24.2 billion. The company aims to maintain a return on equity of 15-19% through the cycle, with a cost efficiency ratio of 48-52% and tier 1 capital ratio of 7.5-9% under Basel 2 standards. While global banking and markets benefited from market volatility, HSBC emphasized its strong capital position and liquidity to navigate continuing market illiquidity. Going forward, the company is focused on restructuring its US business, leveraging growth in fast-growing emerging markets, expanding insurance and wealth management, and improving operating efficiency.
Deveco
The Asian financial crisis began in July 1997 in Thailand and spread to other Asian countries, causing stock market declines of 30% and recessions. It was caused by overvalued currencies from large capital inflows and an overreliance on short-term foreign borrowing, which led to currency depreciation and debt defaults when capital fled. While growth slowed, countries recovered through currency devaluations and reforms to financial regulation and oversight. China and other countries in East Asia have since maintained rapid growth through competitive export-led economies and investment in education.
Profit & Loss Conference, Economists' Panel Singapore Oct. 2014
Despite enduring the longest winning streak since July 2009 – four straight months of gains in the first half of 2014 – are emerging markets currencies about to falter? This panel will look at recent FX movements and make predictions for these currencies. What is the fate of the Indonesian rupiah, Malaysian ringgit, Thai baht and, importantly, the Chinese yuan?
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This document summarizes a study on bridging the gap in access to finance for small and medium enterprises (SMEs) in Sudan. The study found that access to finance is a major challenge for SME growth in Sudan, as most SMEs depend on personal savings, family/friends, or money lenders rather than banks. Banks provide very little financing to SMEs due to perceptions of high risk, lack of collateral, and cultural/social barriers. To address these issues, the study recommends that Sudan establish a national body to develop SME policies, encourage banks to expand SME lending through tailored products and credit guarantees, and improve the capacity and financial literacy of SMEs.
Asian crisis final
The 1997 Asian Financial Crisis was triggered when Thailand announced it would allow the Thai baht to float, devaluing it by 20%. Philippines, Malaysia, Indonesia, South Korea, and Taiwan also abandoned defending their currencies or devalued them. Stock markets plunged as currency crises engulfed East Asian countries. The crisis was caused by high investment and savings attracting speculative capital, currency depreciations in the 1990s, and excessive lending by under-regulated banks, including politically forced risky loans. Impacts included banking industry consolidation, development of bond markets, and a shift to more market-determined economies.
Ifc
IFC is a member of the World Bank Group that provides loans, equity, and advisory services to private sector businesses in emerging markets. It has a strong financial profile due to its AAA credit rating, conservative balance sheet with low leverage, high liquidity, and consistent profitability. IFC invests in businesses through a variety of financial products and services while adhering to strict environmental and social standards. It has a globally diversified portfolio across sectors, countries, and clients to manage risk.
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This presentation discusses corporate acquisitions in developing countries and managing associated risks and cultural issues. It notes that foreign direct investment has increasingly focused on developing markets in recent decades as opportunities for growth. When acquiring companies in new markets like Ukraine and Brazil, chief financial officers must focus on risk mitigation strategies, such as ensuring credible local partners and structuring deals to allow resolution of disputes in international courts. The presentation also emphasizes the importance of understanding cultural differences between countries and integrating acquired company employees and leadership to avoid potential clashes. It provides a case study on the challenges of establishing a joint venture in Brazil, including differing growth aspirations of partners and approaches to debt levels.East Asian Crisis
The East Asian economic crisis in the late 1990s affected several countries in the region. It was caused by weak domestic policies, global financial liberalization, and speculative attacks on currencies with fixed exchange rates. Thailand was hit first as investors lost confidence in its currency, the baht. The crisis led to sharp declines in currencies, stock markets, and asset prices across Asia. It also had spillover effects globally. The IMF responded by providing loans with conditions for austerity measures, which deepened recessions. Countries have since rebuilt their economies and financial systems to be stronger against future crises.
Thiet ke Bao cao thuong nien -Vietcapital (vchf 2008)
- The Viet Capital Healthcare Fund (VCHF) ended its first year of operations in 2008 with a net asset value of 511 billion VND, a 4% increase from its initial value despite a difficult market environment.
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Royal Bank of Canada
Royal Bank of Canada (RBC) is the largest bank in Canada operating in 49 countries. In fiscal year 2012, RBC saw earnings increase by 9% with an ROE of 31.5%. RBC has a history dating back to 1869 and has transformed from a traditional commercial bank to a broad-based financial institution offering personal banking, commercial banking, wealth management, asset management, and capital markets services. RBC's strategic recommendations include making acquisitions in emerging markets to focus on higher growth businesses, introducing new technology-driven services, and advertising online banking through social media.
Thiet ke Bao cao thuong nien - Vietcapital 2008
The annual report summarizes Viet Capital Fund's performance in 2008, a difficult year for the fund and markets. The fund lost 57% in value compared to a 66% loss for the market index. While the fund outperformed the market, its net asset value fell to VND 418 billion by year-end. The fund increased its cash position from 22% to 44% over the year as it focused on capital preservation during the market turmoil. Top holdings were reduced in industries like real estate that were hit hard by the economic downturn. Going forward, the fund will emphasize quality companies and maintain a risk-aware strategy while seeking recovery opportunities.
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The document summarizes the key points from the Financial Stability Report 2015 presented by Reserve Bank of India. It highlights that while India's macroeconomic fundamentals are relatively strong, continued global growth uncertainty remains a risk. The banking sector shows improvement with credit growth of 9.7% and asset quality stable, but stressed advances are still high. The report also covers trends in financial inclusion, insurance and pension sectors regulation aimed at strengthening stability.
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The global financial crisis negatively impacted Cambodia's economy through various channels. GDP growth slowed from an estimated 6% in 2008 to a projected 5.1% in 2009 due to declines in investment, exports, and tourism receipts. A multiplier model was used to estimate that the cumulative impact would increase expenditures by $486 million and output by $518 million, dampening but not eliminating economic growth. Other institutions projected 2009 GDP growth between 4.8-6%, with the exact impact depending on assumptions about how severely the crisis affected Cambodia. Overall, the crisis disrupted Cambodia's economy by slowing growth in key sectors.
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The document lists the 6 members of a group: Sitti Norafikah binti Mohd Shah, Nur Amirah Salleh, Rafidah binti Ibrahim, Rasidah Mohd Yussof, Nur Azyyati Dzulkaidah, and Jaw Watdi. It then continues with empty bullet points, indicating some type of outline or agenda was meant to be filled in for a group project or meeting.
Presentation labuan international banking tax perspectives
This document discusses Labuan international banking and tax perspectives. It begins with four pre-test questions about Labuan bank products/services, the tax law governing Labuan bank income, taxation of the banking industry in Labuan, and advantages of Labuan banking. It then provides details on banking products/services, taxation framework with 3% tax on profits, tax exemptions, and compliance with international standards like OECD, FATCA. It concludes that Labuan aims to strengthen regional/international linkages and internationalize Islamic finance through leveraging business structures and raising funds in accordance with Shariah principles.
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This document provides an overview of the banking sector in Labuan, Malaysia. It outlines the types of banks that operate in Malaysia, including commercial banks, investment banks, and Islamic banks. It then focuses on the Labuan banking industry, explaining that Labuan banks are governed by the Labuan Financial Services and Securities Act and can engage in dealings with non-Malaysian ringgit and non-Malaysian residents. The document describes the eligibility criteria and operational requirements for obtaining a full banking license or investment banking license to operate a Labuan bank. It also provides statistics on the performance and growth of the Labuan banking, insurance, leasing, and other financial sectors from 2009 to 2011.
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The document provides an overview of Labuan IBFC (International Business and Financial Centre) in Malaysia. It discusses the role and objectives of Labuan FSA (Financial Services Authority), which is the statutory body responsible for developing and regulating Labuan IBFC. The Labuan FSA aims to promote Labuan as an international center for business and financial services. It also acts as the central regulatory authority for the financial services industry in Labuan. The presentation concludes with a brief introduction to doing business in Labuan IBFC, highlighting reasons such as cost effectiveness and product innovation.
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This document discusses the strategic planning among Middle Eastern financial institutions in response to the global financial crisis. It outlines how different regions were impacted, including GCC oil exporters, developing oil exporters, and oil importing countries. It also describes the strategic plans used, such as implementing expansionary fiscal policies, increasing oil production capacity gradually, diversifying policies, and applying stimulus packages. The strategic planning helped Middle Eastern financial institutions pursue growth during the crisis and allowed different regions to intervene and recover from impacts in their own ways.
Mahesh bhupati group (pdf)
The document discusses the impact of the global financial crisis on financial institutions in the Middle East. It covers several key points:
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2) Financial institutions in the region had to change their investment strategies and saw repercussions in their stock markets as asset prices fell.
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Serena Williams ( PDF)
This document discusses the causes of the subprime mortgage crisis in the US and its effects on Caribbean islands. The causes included a boom and bust in the housing market, risky mortgage loans, and loose lending practices. The effects on the Caribbean included impacts on trade, tourism, Caribbean financial institutions, foreign direct investment, and remittances. The document reviews literature on these topics and aims to identify the causes and determine the specific effects on the Caribbean economies and sectors.
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The document discusses the future prospects of Islamic financial institutions in Malaysia. It provides an overview of Islamic finance principles and products, the role and functions of Islamic financial institutions in Malaysia, and the opportunities and challenges they may face. Specifically, it notes that Malaysia has played a leading role in developing the global Islamic finance industry and regulating domestic Islamic banking. The future prospects for growth appear positive due to government support and liberalization measures, though institutions will need to continue innovating and competing with conventional options.
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This document summarizes a student project on the future prospects of Islamic financial institutions in Malaysia. The objectives are to examine Islamic finance principles and products, study the role and functions of Islamic banks in Malaysia, and investigate opportunities and challenges. It outlines the principles of Islamic finance including prohibitions on interest and uncertainty. It also discusses Islamic banking products, regulations supporting the industry, and challenges around developing new services in line with changing needs.
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This document compares customers' acceptance of products from Islamic versus conventional financial institutions in Malaysia. It outlines the objectives as comparing their products, identifying benefits and limitations, and analyzing customer decision factors. Islamic products are based on Shariah law and prohibit riba (interest on loans), while conventional products may charge interest. The benefits of Islamic products are being Shariah compliant and generally lower risk, while the limitation is Shariah restrictions. Customer acceptance of Islamic products has grown as the industry has expanded, but full acceptance has not been achieved yet partly due to lack of understanding of Islamic financial products.
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1. This document discusses a study that analyzed customer acceptance of products from Islamic versus conventional financial institutions in Malaysia. The study found that while more customers were accepting Islamic products as Islamic institutions grew, some customers still preferred conventional products.
2. The document provides background on the Malaysian financial system, which includes both Islamic and conventional institutions operating in parallel. It outlines some key differences between Islamic and conventional institutions, such as Islamic institutions prohibiting interest and requiring profit/loss sharing.
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This document provides an overview of key differences between conventional and Islamic financial institutions. It discusses how conventional institutions operate based on interest and debt-creditor relationships, while Islamic institutions adhere to Shariah principles that prohibit interest and gambling. Some differences highlighted include how deposits, home loans, overdrafts/credit cards and investments are handled. The document also reviews studies on factors influencing customer acceptance, such as interest rates, risk perception, costs, convenience and religion. Overall, it finds that while products may seem similar, Islamic financial institutions have structural differences to comply with Shariah law.
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This document provides an overview of key differences between conventional and Islamic financial institutions. It discusses how conventional institutions operate based on interest and debt-creditor relationships, while Islamic institutions adhere to Shariah principles that prohibit interest and gambling. Some differences highlighted include how deposits, home loans, overdrafts/credit cards and investments are handled. The document also reviews studies on factors influencing customer acceptance, such as interest rates, risk perception, costs, convenience and religion. Overall, it finds that while products may seem similar, Islamic financial institutions have structural differences to comply with Shariah law.
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Independent Study - College of Wooster Research (2023-2024)
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
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Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.Bridging the gap: Online job postings, survey data and the assessment of job ...
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OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.University of North Carolina at Charlotte degree offer diploma Transcript
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
Fabular Frames and the Four Ratio Problem
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
The Rise and Fall of Ponzi Schemes in America.pptx
Ponzi schemes, a notorious form of financial fraud, have plagued America’s investment landscape for decades. Named after Charles Ponzi, who orchestrated one of the most infamous schemes in the early 20th century, these fraudulent operations promise high returns with little or no risk, only to collapse and leave investors with significant losses. This article explores the nature of Ponzi schemes, notable cases in American history, their impact on victims, and measures to prevent falling prey to such scams.
Understanding Ponzi Schemes
A Ponzi scheme is an investment scam where returns are paid to earlier investors using the capital from newer investors, rather than from legitimate profit earned. The scheme relies on a constant influx of new investments to continue paying the promised returns. Eventually, when the flow of new money slows down or stops, the scheme collapses, leaving the majority of investors with substantial financial losses.
Historical Context: Charles Ponzi and His Legacy
Charles Ponzi is the namesake of this deceptive practice. In the 1920s, Ponzi promised investors in Boston a 50% return within 45 days or 100% return in 90 days through arbitrage of international reply coupons. Initially, he paid returns as promised, not from profits, but from the investments of new participants. When his scheme unraveled, it resulted in losses exceeding $20 million (equivalent to about $270 million today).
Notable American Ponzi Schemes
1. Bernie Madoff: Perhaps the most notorious Ponzi scheme in recent history, Bernie Madoff’s fraud involved $65 billion. Madoff, a well-respected figure in the financial industry, promised steady, high returns through a secretive investment strategy. His scheme lasted for decades before collapsing in 2008, devastating thousands of investors, including individuals, charities, and institutional clients.
2. Allen Stanford: Through his company, Stanford Financial Group, Allen Stanford orchestrated a $7 billion Ponzi scheme, luring investors with fraudulent certificates of deposit issued by his offshore bank. Stanford promised high returns and lavish lifestyle benefits to his investors, which ultimately led to a 110-year prison sentence for the financier in 2012.
3. Tom Petters: In a scheme that lasted more than a decade, Tom Petters ran a $3.65 billion Ponzi scheme, using his company, Petters Group Worldwide. He claimed to buy and sell consumer electronics, but in reality, he used new investments to pay off old debts and fund his extravagant lifestyle. Petters was convicted in 2009 and sentenced to 50 years in prison.
4. Eric Dalius and Saivian: Eric Dalius, a prominent figure behind Saivian, a cashback program promising high returns, is under scrutiny for allegedly orchestrating a Ponzi scheme. Saivian enticed investors with promises of up to 20% cash back on everyday purchases. However, investigations suggest that the returns were paid using new investments rather than legitimate profits. The collapse of Saivian l
1比1复刻(ksu毕业证书)美国堪萨斯州立大学毕业证本科文凭证书原版一模一样
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留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
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Cryptocurrencies can be used for various purposes, including online purchases, investment opportunities, and as a means of transferring value globally without the need for intermediaries like banks.
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Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
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Jo Blanden, Professor in Economics, University of Surrey
Clive Bolton, CEO, Life Insurance M&G Plc
Jim Boyd, CEO, Equity Release Council
Molly Broome, Economist, Resolution Foundation
Nida Broughton, Co-Director of Economic Policy, Behavioural Insights Team
Jonathan Cribb, Associate Director and Head of Retirement, Savings, and Ageing, Institute for Fiscal Studies
Joanna Elson CBE, Chief Executive Officer, Independent Age
Tom Evans, Managing Director of Retirement, Canada Life
Steve Groves, Chair, Key Retirement Group
Tish Hanifan, Founder and Joint Chair of the Society of Later life Advisers
Sue Lewis, ILC Trustee
Siobhan Lough, Senior Consultant, Hymans Robertson
Mick McAteer, Co-Director, The Financial Inclusion Centre
Stuart McDonald MBE, Head of Longevity and Democratic Insights, LCP
Anusha Mittal, Managing Director, Individual Life and Pensions, M&G Life
Shelley Morris, Senior Project Manager, Living Pension, Living Wage Foundation
Sarah O'Grady, Journalist
Will Sherlock, Head of External Relations, M&G Plc
Daniela Silcock, Head of Policy Research, Pensions Policy Institute
David Sinclair, Chief Executive, ILC
Jordi Skilbeck, Senior Policy Advisor, Pensions and Lifetime Savings Association
Rt Hon Sir Stephen Timms, former Chair, Work & Pensions Committee
Nigel Waterson, ILC Trustee
Jackie Wells, Strategy and Policy Consultant, ILC Strategic Advisory Board
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Confirmation of Payee (CoP) is a vital security measure adopted by financial institutions and payment service providers. Its core purpose is to confirm that the recipient’s name matches the information provided by the sender during a banking transaction, ensuring that funds are transferred to the correct payment account.
Confirmation of Payee was built to tackle the increasing numbers of APP Fraud and in the landscape of UK banking, the spectre of APP fraud looms large. In 2022, over £1.2 billion was stolen by fraudsters through authorised and unauthorised fraud, equivalent to more than £2,300 every minute. This statistic emphasises the urgent need for robust security measures like CoP. While over £1.2 billion was stolen through fraud in 2022, there was an eight per cent reduction compared to 2021 which highlights the positive outcomes obtained from the implementation of Confirmation of Payee. The number of fraud cases across the UK also decreased by four per cent to nearly three million cases during the same period; latest statistics from UK Finance.
In essence, Confirmation of Payee plays a pivotal role in digital banking, guaranteeing the flawless execution of banking transactions. It stands as a guardian against fraud and misallocation, demonstrating the commitment of financial institutions to safeguard their clients’ assets. The next time you engage in a banking transaction, remember the invaluable role of CoP in ensuring the security of your financial interests.
For more details, you can visit https://technoxander.com.
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Discover the Future of Dogecoin with Our Comprehensive Guidance
Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
Our presentation delves into Dogecoin's potential future, exploring whether it's destined to skyrocket to the moon or face a downward spiral. In addition, it highlights invaluable insights. Don't miss out on this opportunity to enhance your crypto understanding!
https://36crypto.com/the-future-of-dogecoin-how-high-can-this-cryptocurrency-reach/
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https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
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LI NA ( P SLIDE )
- 1. Group name: LI NA (HE20) Group members: KHONG SIAU SAN BG09110137 ANG PEI CHII BG09110321 WANG XIN BG09170437 YIN YE BG09170471 PAN YING BG09170472 QIN YIWEN BG09170446 1
- 2. Current Global Financial Crisis & Its Implication on International Financial Institutions: The Case of Asian Region 2
- 3. 1. To understanding the knowledge of current global financial crisis 2. To know how current global financial crisis implicated on international financial institutions in Asian Region 3. To identify the impact of current global financial crisis on international financial institutions in Asian Region 4. To analysis the Asian Region’s responses for the current global financial crisis 3
- 4. Subprime mortgage loan, higher interest rate. Banks lowered the level of qualification. Loan more but income remains the same. Banks sell mortgage-backed securities to financial institutions. Households unable to repay loan, house value decrease. Crisis happened. 4
- 5. Currency and maturity mismatched in private balance sheets Credit and asset bubbles and excessive investment in property and other sectors Unsustainable currency appreciations and external deficits Lack of self-insurance against a sudden reversal of capital flows, and excessive reliance on outside help and policy advice 5
- 6. East Asian China, Japan, North & South Korea, Hong Kong South Asian India, Pakistan West Asian Israel, Saudi Arabia, Turkey Southeast Asia Indonesia, Malaysia, Philippines, Thailand, Singapore 6
- 7. East Asian Japan • Major financial institutions’ net profit fall by 40% China • Mostly unscathed in the short run • Marginal/ no impact because of the “decoupling” effects and efficient market reforms Korea • Suffering from massive financial deleveraging by foreign investors • Highly joined by household debt 7
- 8. Hong Kong • Heavily impacted on banks’ income statements • Pre-tax profits deteriorated South Asian Pakistan • Rupee value depreciated • Experience significant deterioration India • Almost negligible 8
- 9. West Asian Saudi Arabia • Shortage of dollar liquidity Turkey & Israel • No effected Southeast Asia Malaysia • Portfolio investment outflows Indonesia • Balance of payments in deficit Philippine & Thailand • No effected 9
- 10. Joined the world community – G20 Adopted specific macro-prudential or capital control measures ASEAN Finance Ministers maintaining sound fiscal and monetary policies ASEAN+3 Finance Ministers established the Credit Guarantee and Investment Facility (CGIF) 10
- 11. 11