regulation supervision and governance of savings banks

... critical mass of savings banks and other STV institutions, such as mutuals and cooperative banks The prevalence and long history of savings banks and cooperatives in the financial sectors of many economies, ... The general distrust of commercial banks, and even of markets in general, and the lack of long-term funds seemed to make state ownership of banks and heavy-handed banking regulation a pure necessity ... Government and the German Savings Banks Association on the one side and the EU Commission (and the Association of German Private Banks) over State guarantees for ‘Landesbanken’ and savings banks, ...

Ngày tải lên: 29/03/2014, 07:20

... gave an overview of the system of savings banks in Germany and explained that three out of four enterprises are clients of the savings banks group (the “Sparkassen”) As savings banks are deeply ... behalf of ESBG and EMN, to future European initiatives in the field of microcredit, as well as of the commitment and willingness of savings banks to increase their participation in the field of microfinance ... two questions: Q – How you see the role of savings banks in microfinance? Savings banks have experience in disbursing loans, not necessarily big loans, and in social responsibility; they can act...

Ngày tải lên: 06/03/2014, 10:20

... Asia-Pacific Region: A History of Development Pui-Tak Lee, Research Officer, Centre of Asian Studies, University of Hong-Kong 107 Development and Diffusion of Savings and Savings Banks in China: A Historical ... savings banks in Scotland, focuses on Henry Duncan and the development of the savings bank model in the United Kingdom Two case studies of savings banks follow: Prof Enrique Rodriguez and Archivist ... society, and the savings banks, whose customer base was better-off, to coexist In the southern half of Britain the result was that more savings banks closed and handed over their funds to the Post Office,...

Ngày tải lên: 29/03/2014, 08:20

... revising national regulations to open national payment systems to savings banks, postal savings banks and similar financial institutions Due to the profile of their clients and to their often large ... INTRODUCTION: CHARACTERISTICS OF MICROFINANCE This edition of Perspectives analyses the role of savings banks and WSBI members in microfinance.1 The first section discusses microfinance in general The ... microfinance field The result is an explosion of diversity: diversity of delivery channels, of services, of funding sources for MFI and, of course, a variety of clients.”5 1.3 Diversity of players...

Ngày tải lên: 06/03/2014, 10:20

... experience, savings banks can be instrumental in offering a variety of services to microfinance institutions (MFIs) Figure 2: Savings Mobilization by a Selection of Savings Banks (as of 01/01/2002) Savings ... To open and maintain a savings account requires only RM 1.00 (US$ 0.27) at Bank Simpanan Nasional in Malaysia Figure 1: Branch Network and ATMs of Savings 69 Banks (as of 01/01/2002) Savings ... network and low entry barriers, savings banks also respond MICROBANKING BULLETIN, JULY 2003 CASE STUDIES to the savings patterns of low-income savers through the type of savings products and services...

Ngày tải lên: 06/03/2014, 10:20

... overview of the current practice of microcredit within the savings banks community As previously mentioned, savings banks are – and have been - present throughout history as main providers of smallscale ... facilitates and manages high quality crossborder banking projects ESBG members are typically savings and retail banks or associations thereof They are often organised in decentralised networks and offer ... with less than 10 employees German Savings banks and KfW German savings banks are involved in the allocation of state development programmes to financing start-ups and SMEs In this respect the Sparkassen-Finanzgruppe...

Ngày tải lên: 15/03/2014, 10:20

... commercial banks held a staggering 492 million savings bank (SB) accounts attributing to 74% of total number of different types (current, savings and term) of deposit accounts, and majority of such ... http://rbidocs.rbi.org.in/rdocs/Publications/PDFs/0HANDB210910_F.pdf Office of the Economic Adviser to the Government of India, Ministry of Commerce and Industry http://eaindustry.nic.in/ Deregulation of Savings Bank Deposit ... deregulatory SB deposit interest regime and savings bank depositors in protecting and promoting their own interests! Sunil S Bhandare Editor Deregulation of Savings Banks Deposit Interest Rates Usha...

Ngày tải lên: 29/03/2014, 08:20

... is Professor of Bioethics and Philosophy of Law, University of Manchester MATTI ¨ HAYRY is Lecturer, University of Iceland, in Privacy Law at the Faculty of Law, and in Computer Security and Cryptography ... research is of another kind and raises separate questions for ethics and governance The legislation, governance and ethical regulation of these new kinds of databases must reflect their specific and ... Editorial Advisory Board Professor Richard Ashcroft, Queen Mary, University of London Professor Martin Bobrow, University of Cambridge Dr Alexander Morgan Capron, Director, Ethics and Health, World Health...

Ngày tải lên: 05/08/2014, 13:20

... Obligations and Social Duties’, Journal of Medicine and Philosophy 25 (2000), pp 107–113 20 Matti Hayry and Tuija Takala ¨ Security Genetic databanks need systems and procedures to secure the privacy and ... Links, Family Ties and Social Bonds: Rights and Responsibilities in the Face of Genetic Knowledge’, Journal of Medicine and Philosophy 23 (1998), pp 10–30 Cf., however, Tuija Takala and Matti Hayry, ... promotion of the claims of public bodies as the representatives of the ‘people’s voice’; * judicial considerations of public policy – the interest in resolving dilemmas and conflicts of interest...

Ngày tải lên: 05/08/2014, 13:20

... in Iceland that aims at discovering more about Icelanders’ perceptions of privacy of personal information in general and privacy of medical and genetic data in particular, and their trust of private ... known Little was known also of the public perception of privacy and trust and related moral values in the context of biobanks The purpose of the consultation part of the ELSAGEN project has been ... a random sample of 1,000 Swedes between eighteen and seventy-five years of age The questions were aimed at mapping attitudes and opinions and did not measure actual knowledge of the field of...

Ngày tải lên: 05/08/2014, 13:20

... local history and the nationalistic discourse of Icelanders, emphasizing the uniqueness of the Icelandic biological and cultural heritage.17 Weighing risks and benefits In the context of public acceptance ... the University of Tartu, also one of the main founders of the genome project and a board member of the EGP As such, Metspalu appeared as one of the main spokespersons and promoters of the EGP since ... a number of provisions of national legislation, including article of the Icelandic Act on Biobanks and article 17 of the Swedish Ethical Review Act Estonia provides a clear enactment of this requirement,...

Ngày tải lên: 05/08/2014, 13:20

... payment of Annual payment of Annual payment of 900,000 EUR 300,000 EUR 200,000 EUR Annual profit payment of Annual profit payment of Annual profit payment 6%, max 900,000 EUR 0.5%, unlimited of 5% ... Greely and Mary Claire King, Public Letter to the Government of Iceland 15 Governance of population genetic databases: a comparative analysis of legal regulation in Estonia, Iceland, Sweden and ... Biobank, ‘The Ethics and Governance Framework’ Governance of population genetic databases 137 Icelandic Minister of Health and Social Security, who issues licences under the Act on Biobanks,11 should...

Ngày tải lên: 05/08/2014, 13:20

... Finally, at a deeper level there are different understandings of ethics and the appropriate role and resourcing of research, and indeed of the concept of global public goods itself Our argument proceeds ... reasons, such as different cultural understandings of disease and genetics, of identity, and different perceptions of the benefits of genetic technologies Benefits and costs: alternative interpretations ... reconsideration of the definition of an orphan medicine, with particular reference to the implications of genetic stratification of both patients and diseases’.21 Here the relevance of the normative and...

Ngày tải lên: 05/08/2014, 13:20

... best use of money), governance of the project, aims of the project, scientific value of the project (reliability of the data) and the perception of the public Trust 195 In order to create and maintain ... instance listed in the Book of Icelanders, which is a database containing the genealogical information of 95% of the Icelandic population since the settlement of Iceland over 1,000 years ago, simply ... instance, to establish security standards and protection of personal information that refers to the usage of information in databases and who has access to it, and regulations on how different personal...

Ngày tải lên: 05/08/2014, 13:20

... Blood and Data: Ethical, Legal and Social Aspects of Human Genetic Databases (Reykjavık: University of Iceland Press and Centre for Ethics, 2004), pp 111–119 ´ 199 200 ´ Sigurdur Kristinsson and ... modifications of existing models of governance the ways in which biobanks have highlighted questions about harmonization of ethics This third version of impact arises from calls for R Chadwick and K ... Winickoff and R N Winickoff, ‘The Charitable Trust as a Model for Genomic Biobanks’, New England Journal of Medicine 349 (2003), pp 1180–1184 UNESCO, Universal Declaration on Bioethics and Human...

Ngày tải lên: 05/08/2014, 13:20

... change of governing and government into governance Governance, thus, is a mode of public policy-making that stresses the importance of co-operation of all three sectors (public, private and non-governmental) ... global governance institutions, see Keith Griffin, ‘Economic Globalization and Institutions of Global Governance , Development and Change 34 (2003), pp 789–807; on governance and good governance, ... (Austin, Harding and McElroy, ‘Genebanks’) Only the Genome Institute of Singapore will avoid ‘any commercialization of the project’ (Austin, Harding and McElroy, ‘Genebanks’, p 40) This, of course,...

Ngày tải lên: 05/08/2014, 13:20

... of Chicago Press, 1958 ´ ´ Arnason, G., S Nordal and V Arnason (eds.), Blood and Data: Ethical, Legal and Social Aspects of Human Genetic Databases, Reykjavık: University of Iceland ´ Press and ... 2003) Iceland Agreement Between the Minister for Health and Social Security and Islensk Erfdagreining Ehf Relating to the Issue of an Operating Licence for the Creation and Operation of a Health ... Ethics and Governance Framework’, http://www.ukbiobank ac.uk/ethics/efg.php (accessed on 11 February 2006) Ethics and Governance Framework background document, 2003 USA 45 Code of Federal Regulations...

Ngày tải lên: 05/08/2014, 13:20

... message loss and out -of- order delivery 1.4 The goal of the research Motivated from the wide applicability and active research, this work addresses the problem of supervision and control of NRSs The ... problem of state estimation and localization of NRSs The filter can deal with the mixed uncertainties of network delay, message loss, and out -of- order delivery The optimality of the filter in term of ... the priority of behaviors and decides the control signals the actuators shall receive Inputs of the supervision module include the network states (delay, loss, outof-order) and values of the three...

Ngày tải lên: 12/05/2016, 22:38

... Wright // Governance and U.S Community Banks, 1790-2010 32 and professional men of the city” and had high praise for the institution’s president, Edmund H Leland, and its cashier, James H Coffin.174 ... Wright // Governance and U.S Community Banks, 1790-2010 19 Although widespread unit banking virtually mandated close ties between banks and their communities, large numbers of small banks were often ... contributions that tens of thousands of institutions, many of them community banks like the Merchants Bank of New Bedford, Robert E Wright // Governance and U.S Community Banks, 1790-2010 34 have...

Ngày tải lên: 29/03/2014, 08:20

... Relevance of savings banks 3.1 The Function of Banks: does space matter? 10 3.2 Banks and Capital Mobility and their Effects on Regional Development 13 Regional Banks and Lock-In ... system of public savings banks is of interest as they are deeply involved in local and regional economy They are not only hidden champions, because of their knowledge of regional economy and of the ... German savings banks are acting in a sealed respectively monopolistic market They are in competition with domestic and foreign banks The non-saleable situation of co-operative banks and savings banks...

Ngày tải lên: 16/02/2014, 10:20