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O modelo de gerência de contas especiais: um estudo exploratório em instituições financeiras no Brasil.; Key Account Management model a exploratory study in finantial institutions in Brazil

Mendizabal Alvarez, Francisco Javier Sebastian
Fonte: Biblioteca Digitais de Teses e Dissertações da USP Publicador: Biblioteca Digitais de Teses e Dissertações da USP
Tipo: Tese de Doutorado Formato: application/pdf
Publicado em 07/06/2004 PT
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Esta tese de doutorado estuda a implantação e gestão do modelo de Gerência de Contas Especiais, em instituições financeiras no Brasil. O aumento da competitividade de mercado, fez com que os bancos tivessem que buscar novas formas de interação com seus clientes, como forma de garantir sua posição competitiva de mercado. A aplicação do modelo se inicia como uma forma diferenciada de atendimento de vendas aos principais clientes que são segmentados, em um primeiro momento, pelo volume de faturamento. A partir da evolução da implantação do modelo se identifica a necessidade de mudar o foco de vendas para o foco de marketing de relacionamento, o que exige a aplicação de instrumentos de gestão diferentes e uma mudança no foco da organização. Os instrumentos que devem ser desenvolvidos são : -a base de dados individual dos clientes, que além de transacional passa a ser gerencial e contemplar informações quantitativas e qualitativas dos clientes -o plano de negócios por cliente. O objetivo final é conseguir mudar o foco de obter resultados pelo volume de vendas de produtos aos clientes para o objetivo de obter rentabilidade no cliente pelo desenvolvimento do relacionamento. ; This thesis studies the Key Account Management model implementation in financial institutions in Brazil. The growth of market competition...

Regional Tourism Observatory of Alentejo (Portugal) - A conceptual framework to develop a Tourism Satelite Account

Serra, Jaime; Marujo, Noémi; Borges, Maria do Rosário; Eusébio, Celeste
Fonte: Universidade de Évora Publicador: Universidade de Évora
Tipo: Aula
POR
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This poster focuses on the methodological features of the project Tourism Satellite Account (TSA) in the Alentejo Regional Area of Portugal, developed in the context of Regional Observatory for Tourism in the Alentejo 2010-2012. The purpose is to present the conceptual framework designed to be used in developing a Regional TSA. The literature review was undertaken to identify the methodological frameworks that have been presented at international level to develop the TSA and also to assess the methodologies that have been used in different countries. Primarily results evidence that despite the economic importance of tourism is universally acknowledge, there are still many gaps in information available that can be compared in an international scale.

Current account dynamics with rule of thumb consumers

Pereira,Rodrigo M.
Fonte: Fundação Getúlio Vargas Publicador: Fundação Getúlio Vargas
Tipo: Artigo de Revista Científica Formato: text/html
Publicado em 01/06/2011 EN
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In this paper the idea of rule of thumb consumption, in which some households do not behave according to the Permanent Income Hypothesis, is applied to a small open economy framework. A model of current account with rule of thumb individuals and habit formation is presented and estimated for five different countries. Two parameters of the model are of particular interest: the share of domestic income that accrues to rule of thumb individuals and the coefficient of habit formation. Using current account data, the results obtained here support the view that rule of thumb behavior plays a major role in the economy. Moreover, the estimated habit formation coefficients are mostly small and nonsignificant.

RETURN ON INVESTMENT FROM ONLINE BANKING SERVICES: AN ANALYSIS OF FINANCIAL ACCOUNT AGGREGATION

Melo de Brito Carvalho, Tereza; Siegel, Michael
Fonte: MIT - Massachusetts Institute of Technology Publicador: MIT - Massachusetts Institute of Technology
Tipo: Trabalho em Andamento Formato: 474652 bytes; application/pdf
EN_US
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The successful adoption of Financial Account Aggregation requires a careful analysis of the business model. The business model must be defined in a way that provides value to both customers and financial institutions. This paper identifies business models for adoption of Account Aggregation technology; proposes a method for calculating the return on investment related to the adoption of this technology; and applies the proposed method to estimate this return for various business models. The results show how the return on investment is affected by parameters such as initial investment, customer acquisition and retention cost and product and service cross-selling. This analysis is applicable to financial and nonfinancial institutions considering Account Aggregation or other new online account application

The Current Account as A Dynamic Portfolio Choice Problem

Didier, Tatiana; Lowenkron, Alexandre
Fonte: Banco Mundial Publicador: Banco Mundial
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The current account can be understood as the outcome of investment decisions made by domestic and foreign investors. These decisions can be decomposed into a portfolio rebalancing and a portfolio growth component. This paper provides empirical evidence of the importance of portfolio rebalancing for the dynamics of the current account. The authors evaluate the predictions of a partial-equilibrium model of the current account with dynamic portfolio choices, in which portfolio rebalancing is driven by changes in investment opportunities. Using data for the United States and Japan, the authors find evidence supporting innovations in investment opportunities as an important mechanism to explain international capital flows.

Does Capital Account Openness Lower Inflation?

Gupta, Abhijit Sen
Fonte: Banco Mundial Publicador: Banco Mundial
Tipo: Artigo de Revista Científica
EN
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This paper investigates the relationship between capital account openness and inflation since the 1980s. It argues that widespread capital account liberalization during the last two decades appears to have contributed to the worldwide disinflation observed during the same period. The paper builds a theoretical model to motivate the presence of a negative link between financial integration and inflation. It tests the prediction of the theoretical model by employing static and dynamic panel data procedures. Financial integration appears to discipline monetary authorities, or to help them convince the private sector that they will be more disciplined in the future.

How a Road Agency Can Transform Force Account Road Maintenance to Contracting

Andreski, Adam; Seth, Subhash; Walker, Wendy
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
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Recent international trends in the reform of road management, point to the need to transform force account road maintenance services. With Force Account, funding tends to be erratic; management of equipment and its support facilities inadequate, planning, supervision and execution require high standards of staffing, quality control may be poor; and reporting systems weak. Contracted works have the advantages that payment of work is done to specification, rates are known making budgeting and planning easier, risk is transferred from the Public Sector to the Private Sector, and the profit motive tends to promote efficiency and reduce unnecessary waste. An International Labour Organization study in Cambodia found that contracted road maintenance is 24 percent cheaper than force account and Talvitie found contracting out gave 5-15 percent in efficiency gains. Many countries have already gone through this process and every country has a different experience. This paper brings a systematic approach with a focus on situation analysis...

Capital Account Liberalization : What Do Cross-Country Studies Tell Us?

Eichengreen, Barry
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Tipo: Artigo de Revista Científica
EN_US
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Capital account liberalization, it is fair to say, remains one of the most controversial and least understood policies of our day. One reason is that different theoretical perspectives have very different implications for the desirability of liberalizing capital flows. Another is that empirical analysis has failed to yield conclusive results. The answer, another influential strand of thought contends, is that this efficient-markets paradigm is fundamentally misleading when applied to capital flows. Limits on capital movements are a distortion. It is an implication of the theory of the second best that removing one distortion need not be welfare enhancing when other distortions are present.

Determinants of Current Account Deficits in Developing Countries

Calderon, Cesar; Chong, Alberto; Loayza, Norman
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
EN_US
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The authors examine the empirical links between current account deficits and a broad set of economic variables proposed in the literature. To accomplish this, they complement and extend previous research by using a large, consistent set of macroeconomic data on public and private domestic savings, external savings, and national income variables; focusing on developing economies by drawing on a panel data set for 44 developing countries and annual information for the period 1966-95; adopting a reduced-form approach rather than holding to a particular structural model; distinguishing between within-country and cross-country effects; and employing a class of estimators that controls for the problems of simultaneity and reverse causation. Among their findings: Current account deficits in developing countries are moderately persistent. A rise in domestic output growth generates a larger current account deficit. Increases in savings rates have a positive effect on the current account. Shocks that increase the terms of trade or cause the real exchange rate to appreciate are linked with higher current account deficits. Either higher growth rates in industrial economies or higher international interest rates reduce the current account deficit in developing economies.

Implementation of Treasury Single Account and Strengthening of Cash Management in Vietnam

World Bank
Fonte: Washington, DC Publicador: Washington, DC
EN_US
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Vietnam has made progress to improve oversight and control over cash balances for the state budget. The current arrangement however falls short of a treasury single account (TSA), which has led to inefficiencies in the management of cash balances and higher than necessary borrowing costs. In response to this, the Government of Vietnam has embarked on reforms to adopt a TSA and strengthen overall cash management. This policy note provides a review of progress in implementing a TSA system in Vietnam, the remaining challenges and obstacles, and how to overcome these for further TSA and cash management reforms. It is the product of ongoing discussions between the World Bank and the Ministry of Finance. Part A gives background and motivation; part B provides an overview of the state treasury system in Vietnam; part C reviews the progress in establishing a TSA, including against benchmarks of international good practice, and makes recommendations for priority next steps; and part D concludes with a review of cash management functions.

Indonesia Current Account Assessment

Nedeljkovic, Milan; Varela, Gonzalo; Savini Zangrandi, Michele
Fonte: World Bank Group, Washington, DC Publicador: World Bank Group, Washington, DC
Tipo: Relatório
EN_US
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The analysis presented in this report suggests that Indonesia’s recent current account deficit results from the interaction of short, medium and long run factors that can be grouped into four blocks: external shocks, domestic policies, international integration, and stage of development and demographics.

Exchange rate regimes, capital account opening and real exchange rates: evidence from Thailand

Jongwanich, Juthathip
Fonte: Universidade Nacional da Austrália Publicador: Universidade Nacional da Austrália
Tipo: Working/Technical Paper Formato: 403272 bytes; 360 bytes; application/pdf; application/octet-stream
EN_AU
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This paper examines the roles of pegged exchange rate regime and capital account opening inducing persistent RER appreciation in the lead-up to the 1997 currency crisis in Thailand. The three-sector (primary, manufacturing, and nontradable) economy-wide model is constructed and policy simulation experiments are undertaken. Key findings are imposing capital control under a pegged exchange rate regime would have averted the persistent internal RER appreciation and boom in nontradable sector. However, it would not have averted persistent external RER appreciation. Exports and output would have eventually declined because of the capital shortage. A freely floating regime only with a high developmental level of foreign exchange and financial markets would have been able to avert both persistent internal and external RERs appreciation. The export and output would have eventually increased. However, this regime would have generated fluctuations in domestic prices and output. The managed floating regime (combined with inflation targeting) would have helped reduce such adverse effects while retaining the benefit from exchange rate flexibility. In a context where the foreign exchange and financial markets are not well developed, capital control measures could be beneficial to ensure smooth functioning of a managed floating regime.; no

Financial developments in India: should India introduce capital account convertibility?

Gupta, Desh; Sathye, Milind
Fonte: Universidade Nacional da Austrália Publicador: Universidade Nacional da Austrália
Tipo: Working/Technical Paper Formato: 151001 bytes; 352 bytes; application/pdf; application/octet-stream
EN_AU
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The objective of this paper is to examine whether India has reached a stage of financial development when full capital account convertibility could be introduced. In its report on capital account convertibility the Tarapore Committee provided a succinct and subtle definition: capital account convertibility is the freedom to convert local financial assets into foreign financial assets and vice-versa at market determined rates of exchange. It is associated with changes of ownership on foreign/domestic financial assets and liabilities and embodies the creation and liquidation of claims on or by the rest of the world. Capital account convertibility can be, and is, coexistent with restrictions other than on external payments. It also does not preclude the imposition of monetary/fiscal measures relating to foreign exchange transactions, which are of a prudential nature. (Reserve Bank of India, 1997) The issue is important because until the Asian crises of 1997-98, there was a growing consensus that free global financial flows were positive for all and more so for the developing countries. This was based on the proposition that it would help improve global allocation of financial resources. As the returns on capital were higher in developing countries...

Toolkit for the Analysis of Current Account Imbalances

Cusolito, Ana Paula; Nedeljkovic, Milan
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Tipo: Publications & Research :: Working Paper; Publications & Research
ENGLISH; EN_US
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The fluctuating economies and differing experiences of countries before and after the economic crisis of 2008 indicate a complex network of possible influences. Persistent current account deficits and exchange rate misalignments frequently presage disruptive economic trends. The result can be external crises, exchange rate collapses, vulnerability to sudden stops, current account reversals, and economic slowdowns. When a growing number of countries run external deficits, investigation of the causes is warranted. It is crucial to understand the drivers of persistent current account deficits; the relative importance of cyclical and structural factors; conditions that imply external sustainability; sources of sustainable financing for the deficit; and steps governments can take to narrow the imbalance. This toolkit presents a framework that can be used to assess a country's external situation through the lens of the current and financial accounts. The framework is divided into three components: current account outcome analysis...

Do Workers' Remittances Reduce the Probability of Current Account Reversals?

Bugamelli, Matteo; Paternò, Francesco
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Tipo: Publications & Research :: Policy Research Working Paper; Publications & Research
ENGLISH
Relevância na Pesquisa
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The authors combine the literature on financial crises in emerging markets and developing economies with that on international migrations by investigating whether the increasingly large flows of workers' remittances can help reduce the probability of current account reversals. The rationale for this stands in the great stability and low cyclicality of remittances as compared with other private capital flows: these properties, combined with the fact that remittances are cheap inflows of foreign currencies, might reduce the probability that foreign investors suddenly flee out of emerging markets and developing economies and trigger a dramatic current account adjustment. The authors find that remittances can have such a beneficial effect. In particular, they show that a high level of remittances, as a ratio of GDP, makes the relationship between a decreasing stock of international reserves (over GDP) and a higher probability of current account crises less stringent. The same occurs, though less neatly, for the positive relationship between an increasing stock of external debt (over GDP) and the probability of current account reversals. The results point also to a threshold effect of remittances: the mechanisms just described are, in fact...

Capital Account Liberalization : Does Advanced Economy Experience Provide Lessons for China?

Chelsky, Jeff
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Tipo: Publications & Research :: Brief; Publications & Research
ENGLISH
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The initial post World War II pursuit of capital account liberalization (CAL) by advanced economies was Europe-centric, with roots in a broader political rather than economic agenda of greater European integration. In continental Europe, CAL was addressed mostly through the adoption of multilateral instruments and codes. In contrast, CAL by the United States and United Kingdom was pursued unilaterally, motivated by their status as global reserve currency issuers and global financial centers. China's situation is fundamentally different. China today has no equivalent to the European political motivation for CAL or the domestically driven financial motivation of the United States or the United Kingdom. And while China may have long-term aspirations to be a global reserve currency issuer, the extent to which it internationalizes its currency is constrained by powerful domestic economic and political interests that continue to benefit from an export-led growth model underpinned by a pegged and undervalued exchange rate...

Moral Liability to Self-Defense: Challenging Jeff McMahan's Fact-Relative Account

Jeffrey, KORY
Fonte: Quens University Publicador: Quens University
Tipo: Tese de Doutorado
EN; EN
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The focus of this thesis is the normative base of moral liability to defensive harm. Many argue that liability is what makes it morally permissible to seriously injure or kill in self-defense or in the defense of others. Authors such as Jonathan Quong and Jeff McMahan argue that liability not only has important implications for the individual morality of self-defense, but that it plays a major role in the principles of just war conduct. How you determine when someone is liable will have a significant impact on when someone can be harmed. In this paper, I focus on the question of what a person must do to be morally liable to defensive harm. More specifically, I take a close look at Jeff McMahan’s moral responsibility account of liability and argue that it is unsatisfying as an explanation of when and why a person is liable. I then argue that an evidence-based account of liability better captures our moral intuitions surrounding liability. I end by considering an argument put forward by Quong on why we should not support an evidence-based account of liability.; Thesis (Master, Philosophy) -- Queen's University, 2012-09-30 12:44:32.85

House Prices and Current Account Imbalances in OECD Countries

Arestis, Philip; Gonzalez-Martinez, Ana Rosa
Fonte: Wiley Publicador: Wiley
Tipo: Article; accepted version
EN
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This is the author accepted manuscript. The final version is available from Wiley via http://dx.doi.org/10.1002/ijfe.1523; This contribution attempts to provide theoretical propositions and empirical evidence on the ?obscure? relationship between current account imbalances and house prices. We propose a theoretical framework, which studies the interaction between house prices and current account imbalances and also pays special attention to the role played by fiscal and monetary policies. In a second stage of this contribution, our theoretical framework is estimated empirically by using data from 17 OECD economies, which spans the period 1970-2013. In doing so, the least squares technique with breakpoints is employed.

A representação social da profissão de contador na perspectiva dos profissionais da contabilidade; The social representation of the accountant from the point of view of account executives

Guerra, Gilberto Clarício Martinez; Shinzaki, Keiko; Ichikawa, Elisa Yoshie; Sachuk, Maria Iolanda
Fonte: Universidade de São Paulo. Faculdade de Economia, Administração e Contabilidade de RP Publicador: Universidade de São Paulo. Faculdade de Economia, Administração e Contabilidade de RP
Tipo: info:eu-repo/semantics/article; info:eu-repo/semantics/publishedVersion; ; ; ; ; ; Formato: application/pdf
Publicado em 01/08/2011 POR
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Ao adotar a premissa de que a Teoria das Representações Sociais abarca o quanto o indivíduo molda e é moldado pela sociedade, e que esta teoria ajuda a explicar as representações em nível grupal dos fenômenos sociais, este artigo tem como objetivo revelar o que a profissão de Contador representa socialmente para profissionais formados em Ciências Contábeis. Para a Teoria das Representações Sociais, os indivíduos são membros de grupos sociais e o mundo é socialmente construído a partir das perspectivas desses grupos, em face de suas posições e ações diante de um objeto social particular. Desta forma, se buscou, a partir de uma pesquisa descritiva, de natureza qualitativa e interpretativa, cujos dados foram coletados por meio de entrevistas abertas junto a contadores na cidade Maringá, alcançar o objetivo do trabalho. Os resultados apontam que a profissão de Contador representa socialmente para os participantes da pesquisa uma profissão abrangente, sendo que eles se veem como um amigo responsável e ético, que atua numa área em constante evolução, cheia de desafios e adorada por quem a pratica. As representações que aqui emergiram também mostram que existe um entrelaçamento entre elas e os processos de construção da identidade do Contador.; Since the Theory of Social Representations deals with the degree people shape society and are shaped by it and how it explains representations at the group level of social phenomena...

Relações determinantes sobre as despesas e as receitas da conta de viagens internacionais do Balanço de Pagamentos brasileiro; Determinants in the credits and debits of international travel account from the Brazilian Balance of Payments

Rabahy, Wilson Abrahão; Silva, José Carlos Domingos da; Vassallo, Moisés Diniz
Fonte: Universidade de São Paulo. Escola de Comunicações e Artes Publicador: Universidade de São Paulo. Escola de Comunicações e Artes
Tipo: info:eu-repo/semantics/article; info:eu-repo/semantics/publishedVersion; ; ; ; ; ; Formato: application/pdf
Publicado em 01/08/2008 POR
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The present article looks for causal relations of the income and, especially, the exchange rate on the expenses of the Brazilians who travel abroad and on the revenues resulted from the foreign tourists who visit our country, these data measured in the account of tourism in the Brazilian Balance of Payments. Econometric tests indicate that the expenditure, on average, are affected by the real exchange rate, while the revenues are not. While analyzing this asymmetry it was possible to note another one, which proved that the number of tourists from bordering countries, taking the visitors of Argentina as an example, on average, are sensitive to the real exchange rate. On the other hand the visitors from countries of other continents, taking the number of visitors from the United States as a parameter, are not affected, on average, by the real exchange rate.; O presente artigo busca relações causais da renda e, principalmente, a taxa de câmbio sobre as despesas dos brasileiros que viajam ao exterior e sobre as receitas advindas dos turistas estrangeiros que visitam o nosso país, dados estes mensurados na conta de turismo no Balanço de Pagamentos do Brasil. Os testes econométricos indicam que as despesas, em média, são afetadas pela taxa de câmbio real...