Abstract: The UK currently has well-developed but very fragmented systems and structures for consumer protection in banking and financial services, including legislation, regulatory bodies and various forms of self-regulation. At the time of writing, the government has launched proposals for a much more integrated, statute-based system that would cover a large part of the market place and that would be implemented by a single new regulatory body, the Financial Services Authority. However, a number of significant details are still absent from the proposals or are the subject of strong criticism, either from the industry side or from consumer organizations. Also, some types of life assurance, non-life insurance and most mortgage lending may remain outside the proposed new system. It remains to be seen when the proposals will become law and what precise form they will take. 相似文献
What do you do with a failed evaluation? That is, can positive outcomes come out of a situation where a return on investment cannot be demonstrated? This study highlights the value of the ROI method in providing direction at the macro‐level even when level 4 and 5 evaluations are unable to be ascertained. By taking a macro‐level view, the researcher was able to provide positive feedback and recommendations for further organisational development. 相似文献
To enrich the knowledge of the value of ethical leadership in a more entrepreneurial setting, we focus on technology-based young firms and theorize through the lens of CEO-TMT interface whether and how founder-CEOs’ ethical leadership influences young firms’ ambidexterity. We argue that founder-CEOs’ ethical leadership can enhance young firms’ ambidexterity in an indirect way, through promoting top management team (TMT) members’ advice-seeking behavior and team satisfaction. Data from a multi-source and time-lagged survey of founder-CEOs and all TMT members in 81 Chinese technology-based young firms supported our predictions. We discuss the theoretical and practical implications of our study to the extant research.
Marketing Letters - In the following study, a sales rep hard-selling orientation is much more influenced by the hard-selling orientation they perceive senior management want them to adopt when (1)... 相似文献
DMOs have been increasingly called upon to adopt the role of knowledge management, becoming intelligent agents with the capacity to gather, assess, and disseminate information among internal and external stakeholders. While knowledge management has remained a prominent topic in the literature, its application within the field of tourism management has been limited. The purpose of this study, therefore, was to ascertain to what extent DMOs have engaged in knowledge management practices through a nation-wide survey of 30 Canadian DMOs. The results demonstrate that, while DMOs have made progress toward becoming intelligent agents, there remains a long way to go. 相似文献
This paper investigates retirees' optimal purchases of fixed and variable longevity income annuities using their defined contribution (DC) plan assets and given their expected social security benefits. As an alternative, we also evaluate using plan assets to boost social security benefits through delayed claiming. Using a calibrated life-cycle model, we determine that including deferred income annuities in DC accounts is welfare-enhancing for all sex/education groups examined. We also show that providing access to well-designed variable deferred annuities with some equity exposure further enhances retiree well-being, compared to having access only to fixed annuities. Nevertheless, for those facing the highest mortality rates, delaying claiming social security is mostly preferred, whereas those anticipating living longer than average will benefit more from using accumulated DC plan assets to purchase deferred annuities. 相似文献