客户信念 ORACLE数据仓库帮助秘鲁BANCO DE CREDITO银行向客户推销服务和产品

金钱高于一切,特别在秘鲁更是如此.繁多的银行分支机构,以及对金融专业人员的不断需求都证明了这一点.虽然有些在美国的金融机构认为这样做的成本高得令人望而生畏--支付一名专业银行工作人员的工资要比维护一台ATM(自动取款机)昂贵得多,但是Banco Crédito de BCP银行的首席信息官Ricardo Guillermo Bustamante却将这看作是一种机遇."每次,当一名客户走进一个分支银行,与银行员工接洽的时候,都可能是进行交叉销售和升级销售的机会,"Bustamante说,"我们甚至能够满足客户自己都未曾察觉到的需要."     

AN ASSESSMENT OF FASHION AWARENESS OF FEMALES BASED ON SELECTED DEMOGRAPHIC FACTORS

A sample of 252 females was queried to determine the differences in fashion awareness. The study aimed to assess the fashion awareness of females as affected by the city of residence, by their reference to different selected fashion magazines, and the extent of fashion awareness existing among women based on the following variables: age, marital status, education, number of dependent children in the family, income, and courses taken relating to fashion. The study determined that fashion awareness of the participants was affected by fashion reading media, age, marital status, education, income, and courses taken relating to fashion. Fashion awareness was not affected by city size or number of dependent children in the family.     

Mature Consumer Awareness and Attitudes Toward Retirement Housing and Long-Term Care Alternatives

The retirement housing and long-term care industries have been responding to the needs of aging consumers by developing a wide range of housing facilities and personal care services. The increasing variety of long-term care options is expected to better satisfy the heterogeneous needs of older consumers. Results of a national study and qualitative research suggest that many present and potential consumers of supportive housing and long-term care services do not have a good understanding of these offerings. Many are unaware of the alternatives available. Mature consumers often perceive all long-term care negatively as nursing homes. The proliferation in the variety of housing and long-term care services and the lack of standardization in labeling products may be contributing to the misunderstanding of various options. This misunderstanding leads to consumers not obtaining the housing and long-term care services best suited to their needs. Government agencies, consumer interest groups, and housing and long-term care providers can help to differentiate products and educate consumers to better serve their needs.     

Fair Trade Community Café

This case concerns the real operations of a café in a small town in Nova Scotia, Canada. It is a second location of a theme restaurant, with the first location successfully operating for a number of years. The owner of the first location, and senior partner of the second café, is available for advice but does not participate in the day‐to‐day operations of the second location; there are two junior partners who run the business. The focus is on the financial statements generated by an external bookkeeping service. The income statement reports a significant loss, and some of the accounts on the balance sheet and income statement do not make sense for this type of business. Simple ratio and variance analysis provides information for students to determine where problems lie. The case presents a good opportunity for students who have a basic understanding of financial statements to read a set of real statements generated by a bookkeeping service. Not all transactions are logical for a small café, although the financial information is from a real café in operation. The case also contains industry information on the operations of small food and drinking businesses located in Nova Scotia.     

Book Reviews

Barbara Harriss-White, India Working: Essays on Society and Economy.
Phillipp Schofield, Peasant and Community in Medieval England, 1200–1500.
Nicola Verdon, Rural Women Workers in 19th Century England: Gender, Work and Wages.
Jonathan R. Pincus and Jeffrey Winters (eds), Reinventing the World Bank.
Julie A. Charlip, Cultivating Coffee: The Farmers of Carazo, Nicaragua, 1880–1930.
Monica M. van Beusekom, Negotiating Development: African Farmers and Colonial Experts at the Office du Niger, 1920–1960.
Abdul Rahman Embong, State-led Modernization and the New Middle Class in Malaysia.
David M. Anderson, Eroding the Commons: The Politics of Ecology in Baringo, Kenya 1890s–1963.
Jan Breman and Gunawan Wiradi, Good Times and Bad Times in Rural Java: Case Study of Socio-Economic Dynamics in Two Villages Towards the End of the Twentieth Century.
Mario Rutten, Rural Capitalists in Asia: A Comparative Analysis on India, Indonesia and Malaysia.     

The decline and fall of the European film industry: sunk costs,market size,and market structure, 1890–19271

In the 1900s, the European film industry exported throughout the world, at times supplying half the US market. By 1920, however, European films had virtually disappeared from America, and had become marginal in Europe. Theory on sunk costs and market structure suggests that an escalation of sunk costs during a rapid US growth phase resulted in increased concentration; eight surviving companies dominated international film production and distribution forever after. European film companies, although overall profitable, could not take part, and after the war could not catch up. US, British, and French time series data for 1890–1930 support the theory.     

Networks to Nerdistan: The Role of Labor Market Intermediaries in the Entry‐level IT Labor Market

Although networks have long governed economic relations, they assume even more importance in a knowledge‐based economy. Yet, some argue that because of the lack of social networks and human capital, some groups are permanently ‘switched off’ the networks of the global economy. Evidence presented in this article suggests that instead there is latent potential for access to the network, due to the rise of networked community‐based organizations and the increasing accessibility of technology. Based on surveys and in‐depth interviews with almost 700 workers and training providers, I show how the switched off are entering jobs in information technology through network ties and the acquisition of soft skills, or communication and interaction skills. Although community‐based training providers are best positioned to help disadvantaged jobseekers enter the network society, changes in the US workforce development system are reinforcing network exclusivity, rather than facilitating this upward mobility.     

FINANCIAL MANAGEMENT OF LOW-INCOME URBAN FAMILIES

The major focus of this research was the difference in financial management practices used by low-income urban white, black, and Mexican-American families. A random sample of 199 interviews was completed during the spring of 1980 in Phoenix, Arizona, U.S.A. The sample consisted of sixty-nine white, seventy black, and sixty Mexican-American families. Differences in financial behaviour did occur for each race. In addition, they were optimistic regarding their own ability to handle money and resolve financial problems but generally negative toward the ability of other families to manage money, use credit, and plan purchases.