Assessing ethical behaviours in the Spanish banking and insurance industries: evidence and challenges

This study aims to improve understanding of the ethical nature of the relations in two labour-intensive industries to facilitate the creation of an ethical culture. For this purpose, the authors first review literature related to the main influences on ethical behaviour, then perform an empirical analysis of those factors using a hierarchical stepwise regression of a database of 525 banking and insurance employees. Contrary to expectations, leadership has a less important effect on ethical behaviour than other organizational factors. The results reveal several implications for improving the management of ethical behaviour in these industries.     

简析网上银行的法律问题

本文立足于我国网上银行运营的实际情况,以现行法律规范为基础,针对网上银行交易和网上银行监管所涉及的法律问题进行分析。     

Comparative Analysis of Thresholds of Non-Revolutionary Institutional Change: China and the United States in the 1980s

Ireland has experienced a series of interlocking banking, fiscal, unemployment, and political crises since 2007. We detail the challenges involved in modeling individual moments of the crisis through the lens of balance sheets and transactions matrices among sectors of the Irish society. We conclude with a series of recommendations for models of small open economies.     

房地产金融调控新“亮剑”

2007年9月27日中央政府出台的《关于加强商业性房地产信贷管理的通知》实质上是国家新一轮产业大调整的开始,开发商对此认识不足,造成十分被动的局面。2008年8月28日中央政府颁布了《金融促进节约集约用地的通知》,第一次使土地管理和金融管理结合到一个文件,表示了政府在房地产领域控制金融风险的决心和力度。开发商应正确领会。     

我国网上银行发展现状、存在问题及相关建议

网上银行服务是未来银行服务发展的必然趋势,本文讨论了国内外网上银行的发展现状,分析我国目前网上银行发展存在的问题,并提出了相应的建议。     

Re-assessment of E-S-Qual and E-RecS-Qual in a pure service setting

Understanding and measuring electronic service quality including its dimensions has become crucial since a growing volume of business takes place in the cyber world. This paper focuses on measuring electronic service quality and service recovery issues by means of E-S-QUAL and E-RecS-QUAL scales in a pure service oriented setting and across a culturally different consumer group than the original scale. This research covers 2017 customers' assessment of the electronic service quality offered by 13 banks in Turkey. Findings suggest a refined and more stable version of the E-S-QUAL scale for the internet banks. Comprehensive psychometric tests also suggest that E-RecS-QUAL is an appropriate tool to evaluate online service recovery in consumer research.     

Polarities between Naturalism and Non-Naturalism in Contemporary Economics: An Overview

We provide a dynamic model of banking competition, in which bounded rationality of some competitors explains how the credit cycle is intensified. We model the economic cycle following Tobias F. Rötheli (2012b), who argues that boundedly rational banks, in their Bayesian learning, overestimate the probability of success during booms and underestimate it during recessions. We obtain three main results. First, the model suggests that pessimism/underconfidence is not a powerful driver of credit cycles. Instead, it supports the conclusion that it is euphoria during large upswings that leads to the next crunch. Second, the dynamization of the model provides further insight into the way boundedly rational competition intensifies the credit cycle. Third, it additionally predicts that the effects of behavioral biases are more pervasive when the quality of the niche markets is lower.     

Effects of two national environmental factors on e-commerce functionality adoption: a cross-country case study of a global bank

In order to offer new services and gain competitive advantages, e-commerce has been widely adopted, particularly in the banking industry. Unfortunately, despite the growing adoption of e-commerce in the banking industry, the issue that web-based B2C e-commerce functionality adoption varies between banks or a bank's branches across nations has not received sufficient attention. Many factors affect e-commerce functionality adoption. However, two national environmental factors (information infrastructure and demographics) are particularly important because they relate to the availability of technologies in use and the characteristics of customers, respectively. This research conducts a cross-country case study of a global bank's Beijing (China), Chicago (USA), and Dubai (UAE) branches to investigate how the two national environmental factors affect e-commerce functionality adoption. The specific objectives are to discover how information infrastructure (measured by number of PCs per 1000 people and Internet access cost) and demographics (measured by population composition and income) affect e-commerce functionality adoption of the global bank's three branches. Secondary data were collected for information infrastructure and demographics; additionally, focused interviews with these three branches' IT and business managers provided sources for answering ‘how’. The key finding demonstrates that the differences in e-mail ordering and online shopping adoptions between these branches are mainly attributed to proposed factors of population composition and Internet access cost, and the new factor of individual credit reference system. This research contributes to theory development in this emerging important research subject.     

建立商业银行系统空间意志模型研究银行竞争力

本文从系统的角度研究商业银行系统及其竞争力,建立了“商业银行系统空间意志模型”,并利用这一理论模型描述国内理想的和现实的商业银行系统空间状态,解释目前中国商业银行系统中的一些经济现象。主要结论是:商业银行要想实现可持续发展必须关注商业银行系统内独立主体子系统意志的相对状态。