ROMANIAN REAL ESTATE MARKET
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Some notes for a Round Table discussion (rather than a full presentation) at the 4th Romania Country Risk 2007 organised by Coface Romania.
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1：1制作加拿大麦吉尔大学毕业证硕士学历证书原版一模一样
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How Does CRISIL Evaluate Lenders in India for Credit Ratings
CRISIL evaluates lenders in India by analyzing financial performance, loan portfolio quality, risk management practices, capital adequacy, market position, and adherence to regulatory requirements. This comprehensive assessment ensures a thorough evaluation of creditworthiness and financial strength. Each criterion is meticulously examined to provide credible and reliable ratings.
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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
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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
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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Eco-Innovations and Firm Heterogeneity. Evidence from Italian Family and Nonf...
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1. Elemental Economics - Introduction to mining.pdf
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
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Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"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.Recently uploaded (20)
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ROMANIAN REAL ESTATE MARKET
- 1. ROMANIAN REAL ESTATE MARKET – OVERHEATING? SELECTED NOTES MARTIN STOBBS 4th Romania Country Risk 2007 3 October 2007
- 5. CEE Capital city price ranges – new residential more mature market
- 8. How much can I borrow? Mortgage loan capacity evolution A couple earning combined income equal to 3 x average salary ie 150% of average each 140 105 57 Multiple 130 000 95 000 35 500 Max borrowing (EURO) for 3 x average salary 3 000 3 000 2 220 3 x average net salary (RON) 1 000 1 000 740 Ave net salary RON (approx) 2007 CHF loan +grace period 2007 EUR loan +grace period 2005 (EUR)
- 9. Salary indices – construction and average Source: Eurostat via demography.matters.blog
- 11. Dwellings completed each year BASELINE – 98% individual homes – self financed BUT NOW: AN ADDITIONAL 15 000 – 20 000 per year of homes in new developments on top of baseline
- 12. Estimated new home construction?
- 13. Dwellings under construction, by stage, June 2006, June 2007
- 14. VOLATILITY OF MORTGAGE REPAYMENTS (1) 17.0% 6.1% 10.3% INCREASE OF 2 568 2 329 2 421 2 195 COMBINED RON/EURO 3.5 EURIBOR+100Bps Initial EURO100 000 mortgage loan tracker rate in EURO Monthly payment equivalent in RON (starting at RON/EURO 3.3 and initial interest rate of 7%)
- 15. VOLATILITY OF MORTGAGE REPAYMENTS (2) EXTREME CASE * Repayment/net income ratio in range 40-70% Note: 139% of 40% is 56%, 139% of 70% is 97% 39.3%* 15.2% 20.9% INCREASE OF 3 058 2 528 2 655 2 195 COMBINED RON/EURO 3.8 EURIBOR+200Bps Initial EURO100 000 mortgage loan tracker rate in EURO Monthly payment equivalent in RON (starting at RON/EURO 3.3 and initial interest rate of 7%)