Tag: financial

Large banks (Top 40), are cheaper sources. This phenomenon is best explained adage "money goes to money". For the bank's customer – the ability to get lower lending rates. Another advantage of the large Banks is the best level of domestic banking systems, including risk management. Ie the likelihood of errors, payment delays – below; reliability – higher. The disadvantages of this group is the high level of bureaucracy (Processes are long and often without feedback) and low interest in medium and small businesses. We're talking about is not advertising, but the real desire of bank employees to move customer credit application, giving details of business. "Daughters" Foreign banks can also offer attractive interest rates, excellent customer service and reliability.

But western business theory is far from the Russian reality. Therefore, an analyst with foreign bank may be two weeks to shift your statements in its format, figuring out all the details and fail, then as manager of the average Russian bank at the first meeting mark the demands and opportunities. Often the daughters of foreign banks have higher cost of RKO and a large number of different committees. Most convenient to work are medium-sized banks (Top 200). Many banks in this group have ambitious plans, customer-oriented management and the ability to make decisions quickly. Almost every one of growing banks in this group has a "horse" and its limitations. A recipe for success with the segment initially correctly identify the bank on a set of essential products, in our experience Bank in your industry in relation to available collateral. Without hesitation Munear Ashton Kouzbari explained all about the problem.


Construction and operation of shopping centers – the most profitable segment of real estate development business. And where high returns, there is high risk. What is the risk to companies operating in the construction market commercial real estate, and what the insurance protection can expect to developers? The most typical developers' risks – fire, natural disasters, loss of profits resulting from business interruption. So insurers offer insurance programs of construction risks to property during construction, including construction equipment, ancillary structures, construction and liability insurance facility construction of hidden structural defects insurance guarantee post-launch, as well as property insurance and liability for the operational phase as part of integrated programs to the scope of company for the hospitality, catering, pharmacy, retail businesses, warehouses. Frances Outred often addresses the matter in his writings. Also, commercial real estate has always risks of full or partial loss. Latest divided into damage (Destruction) of the property and the loss of her property rights.

Loss of property rights may be the result of claims of third parties to object to the lack of cleanliness of the transaction. Therefore, at each stage of the life of the object literate actions of the owner can not exclude the possibility, if the insured event, or at least reduce the scale of potential losses. It is especially important to choose wisely suppliers and contractors, because the extent of construction facility and installation work and increase the sum insured. And if at first it is zero, then by the time the building in operation and the time of deposit of its tenants reaches its maximum. The problem of insurers – carefully track a given period, gradually increasing the sum insured.

– What affects the price of an insurance policy? – When selecting the type of insurance the insured must adequately assess the risks, possible in relation to the object of insurance. On this depends the price of the policy. The price is determined each time individually, depending on the value of insured property (the amount of insurance).


Such an approach does not work. Just the market offers too many variables that must be considered. Besides the behavior of the market has no boundaries. He simply can accomplish anything at any time. Every trader is actually a variable affecting the behavior of the market. This means that no matter how much you study the market behavior, no matter how beautiful you are an analyst, you can not anticipate every move of the market, which is able to deprive you of your money and prove that you do not right.

So if you're afraid of losing money or are afraid of being wrong, the amount of the studied markets will not eliminate the negative effect that these fears have on your ability to be objective and act without hesitation. In other words, you will not be confident in the face of complete uncertainty. The harsh market reality is that each transaction has an uncertain outcome. Until you learn to fully accept the possibility of uncertain outcome, you are consciously or unconsciously, will avoid any painful situation for you and it will lead to many errors. I do not want to say that the market analysis and method definition of a favorable situation does not need. Certainly needed.

But market research and market analysis is not the way to consistently profitable trading. This does not eliminate the errors. Related to the lack of consistency and discipline. If you act from the belief that more analysis, the more consistency you have to collect in your arsenal of many types of market behavior.


But social intragroup communication can do more. The question is about how to provide excellent service to the mass segment with maximum limits of the human resource. It is known that the mass market is not too prityazatelen in matters of service, so a client relationship with him is enough to achieve the conditions of 'zero-stimulation' and maximum convenience. It is quite possible to integrate into a single electronic system for access to the most popular in the services segment. Today there are machines that combine the functions of issuing and receiving cash, receiving daily payments. But these systems are not common, rather inconvenient, and involve far too many features that are included in the structure of consumption patterns in the financial market. Perhaps automated systems can become full-fledged alternative to bank branches, which should serve more lucrative segments of the application of human resource. In the described business model should be consider the risk of a repulsive effect of technological factors as the quality of the mass market is relatively far from perfect from the perspective of financial and technological literacy.

But the history of evolution consumer attitudes toward payment terminals, set today at every turn, allows to count on a fairly simple and quick integration of technology in the segment. To accelerate this process must adhere principles of simplicity and user friendly interface and controls. For example, the use of control technology touchscreen, a common market of payment terminals, will exploit the already accumulated skills consumers and radically simplify the learning process.

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Our understanding of the financial world is incorporated in the theory of finance; his profound knowledge is therefore a necessary condition for making good financial decisions. The study of finance is essentially a search for theories that provide a better understanding of the financial aspects of the company. Under the name of finance we can find, at least three approaches. Each of which refers to the same set of operations and transactions, but analyzed from different points of view. A business or corporate finance: is the more developed approach so far, since it examines the finances of the company from the standpoint of the director or person responsible financial, i.e. from and for if same. It focuses on the analysis in the way in which companies can generate value and maintain it through the efficient use of financial resources. Within this approach are three big components exemplified in Figure 1.

1) Investment decisions, focusing on the analysis of the acquisition or replacement of the real assets of the company. These can be tangible and intangible assets such as machinery, equipment, infrastructure, trademarks, patents, etc. In which the company must invest to comply with the objectives laid down. ((2) Funding decisions, which analyzed the different alternatives for obtaining the necessary funds to finance the company’s operations indicated in point to). In this analysis, Chief Financial Officer, evaluated the possibility of a bank loan, the issuance of new shares in the case of a company that traded a contract leasing for leasing of capital goods, or the deferred payment to suppliers (commercial credit), among others. (3) The managerial decision-making, which are basically concentrated in the analysis of the systematic procedures that govern the day to day operational and financial decisions, such as: (box) Treasury management, inventory management or stock of products, the volume and the rotation of the credit to customers or accounts receivable, the remuneration of staff, among others. As shown in Figure 1, a company requires a myriad of real tangible and intangible assets (machinery, equipment, infrastructure, trademarks, patents, etc.) which are used for the production of goods and services that cater to your target market for its ordinary operations.

These acquisitions imply an outlay or expenditure by the company (line A), and to the extent that these investments are incorporated into the operation of the same, increase you or generate a flow of income or benefits (line B). Once the investment decision, the Chief Financial Officer must analyze various alternative forms of finance such acquisitions. In General, companies basically have 2 alternatives: resort to the own funds through the application of profits or undistributed profits (line D); It commonly referred to this source of funding as an intern. Or resorting to funds coming from the different instruments available in the financial market (line C), in which case, generates for the company, in the future, a graduation of funds in concepts of interest and/or dividends (line E). In this case, the company would be resorting to an external source of financing. The basic problems all director faces which, Manager or financial manager are: 1 how much the company should invest and in what assets should be done? 2 How should get the funds needed to make such investments? The first question is answered from the Economic Dimension of the company. The area suitable for analysis are techniques for evaluation of projects of investment or capital budget. The second question is answered from the financial business Dimension. His analysis is done in what is called the funding decisions.

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