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."     

TRADE LIBERALISATION IN SOUTH AFRICA ONCE AGAIN

This paper attempts to reconcile and extend the debate in South Africa as to whether trade was liberalised in the nineties. The core studies in the debate are examined with a view to effecting their reconciliation. In particular the limitations of effective rates of protection as reflective of the stance of trade policy are explained and suggestions made for their use by policymakers. The paper concludes by suggesting that reliance on a single indicator such as effective rates of protection should be avoided.     

Employee Training in Australia: Evidence from AWIRS*

We use linked data for 13 991 employees and 1494 workplaces to analyse the incidence of employer‐provided training in Australia. We find potential experience, current job tenure, low education levels, skilled vocational training and part‐time or fixed‐term employment status are all associated with a lower probability of recent training. In contrast to studies for other countries, we find no evidence of discrimination on the basis of demographic characteristics in the provision of this job‐related training. Finally, and in support of recent non‐competitive training models, higher levels of wage compression are found to be positively related to a greater incidence of employee training.     

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.     

The Influence of Individual Factors on the Effectiveness of Message Content in Antismoking Advertisements Aimed at Adolescents

Approximately five million children under the age of 18 will eventually die from smoking‐related disease. However, antismoking advertisements directed to adolescents appear to be reducing the prevalence of smoking among youth. The reported study extends prior research using an experiment over time (N= 565) to test the influence of individual factors (grade level, gender, and ethnicity) on the effectiveness of two types of message content in antismoking advertisements. Predictor variables from prior research, such as beliefs about smoking and family and peer smoking, were included as covariates in the analysis. As expected, effectiveness was influenced by individual factors. Long‐term health content was more effective among nonwhites, males, and high school students, while short‐term content appeared to work better among junior high males.     

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.