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Оценка эффективности управления портфелем потребительского кредитования банка : магистерская диссертация / Evaluating the effectiveness of portfolio management consumer lending of the bankВолохова, В. В., Volokhova, V. V. January 2021 (has links)
Стабильность и эффективность работы коммерческого банка зависит от того, насколько грамотно сформирована его организационная структура, где огромную долю занимает организация кредитного процесса. Основной задачей банков является выдача кредитов, а кредит – это безусловно опора для современной экономики, неотъемлемый элемент экономического развития страны. Кредитование на сегодняшний используют как физические, так и юридические лица, иными словами кредитами пользуются все, начиная с государства и правительства и заканчивая гражданами. Целью выпускной квалификационной работы является исследование теоретических и практических аспектов управления кредитным портфелем и оценка эффективности данного процесса в ПАО Сбербанк. Теоретическая значимость диссертационного исследования заключается в том, что его результаты расширяют теоретическую базу для комплексного подхода исследования эффективности управления портфеля потребительского кредитования. Практическая значимость ВКР обусловлена тем, что содержащиеся в нем выводы, предложения и экономически обоснованные рекомендации позволяют улучшить финансовое состояние ПАО Сбербанк, усовершенствовать эффективность управления кредитным портфелем. / The stability and efficiency of a commercial bank depends on how well its organizational structure is formed, where a huge share is taken by the organization of the credit process. The main task of banks is to issue loans, and credit is certainly a support for the modern economy, an integral element of the country's economic development. Lending today is used by both individuals and legal entities, in other words, loans are used by everyone, starting with the state and the government and ending with citizens. The purpose of the final qualification work is to study the theoretical and practical aspects of credit portfolio management and to evaluate the effectiveness of this process in Sberbank. The theoretical significance of the dissertation research lies in the fact that its results expand the theoretical basis for a comprehensive approach to the study of the effectiveness of consumer credit portfolio management. The practical significance of the WRC is due to.
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Совершенствование методического инструментария для оценки финансовой устойчивости коммерческого банка : магистерская диссертация / Improvement of methodological tools for assessing the financial stability of a commercial bankПархаева, А. А., Parkhaeva, A. A. January 2023 (has links)
Магистерская диссертация посвящена вопросам анализа и оценки финансовой устойчивости коммерческого банка. Целью исследования является разработка методического инструментария для оценки интегрального показателя финансовой устойчивости коммерческого банка на основе балльно-весового подхода. Научной новизной исследования является авторское определение финансовой устойчивости коммерческого банка, группа показателей для оценки состояния пассивов коммерческого банка, агрегированный показатель финансовой устойчивости коммерческого банка с использованием балльно-весовой методики, а также эконометрическая модель вероятности перехода финансового состояния банка в сомнительную категорию на основе бинарной логистической регрессии. Также предложены управленческие рекомендации по обеспечению финансовой устойчивости коммерческого банка в современных условиях. / The master's thesis is devoted to the analysis and assessment of the financial stability of a commercial bank. The aim of the research is to develop methodological tools for assessing the integral indicator of financial stability of a commercial bank based on a point-and-weight approach. Scientific novelty of the research is the author's definition of the financial stability of a commercial bank, a group of indicators for assessing the state of the commercial bank's liabilities, aggregate indicator of the financial stability of a commercial bank using a point-and-weight methodology, as well as an econometric model of the probability of transition of the bank's financial condition into a doubtful category based on binary logistic regression. The paper also presents management recommendations for providing of financial stability of commercial bank in modern conditions.
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Управление разнообразием персонала в организации : магистерская диссертация / Diversity Management in the CompanyЯо, Ю., Yao, Y. January 2023 (has links)
Выпускная квалифицированная работа включает введение, три части, заключение, библиографию и приложение. В теоретической части разбираются и определяются основы соответствующих концепций, уточняются факторы влияния и пути влияния на управление разнообразием HR, а также проводится различие между парадигмами управления разнообразием HR на основе организации и парадигмами управления разнообразием HR на основе людей. В разделе «Практика» анализируются проблемы процесса подбора персонала, оценки эффективности и построения организационной культуры. На основании полученных данных были сделаны предложения по улучшению по следующим направлениям. В процессе набора персонала J City Farmers and Merchants Bank должен обеспечить справедливость и инклюзивность при наборе персонала. Что касается формирования команды талантов, J City Сельскохозяйственный и коммерческий банк должен проводить диверсифицированные методы обучения. Что касается оценки эффективности, J City Agricultural and Commercial Bank необходимо внедрить диверсифицированную и многоуровневую оценку эффективности. В построении организационной культуры используется совокупность инклюзивной культуры и конкурентной культуры, корпоративной культуры и ведения бизнеса. В завершение были подведены итоги согласно поставленным задачам. / The final qualified work includes an introduction, three parts, conclusion, bibliography and appendix. The theoretical part sorts out and defines the basis of relevant concepts, clarifies the influencing factors and influence paths of HR diversity management, and distinguishes between organization-based HR diversity management and people-based HR diversity management paradigms. The practice section analyzes the problems in recruitment process, performance assessment, and organizational culture building. Based on the data obtained, suggestions for improvement were made in the following areas. In the recruitment process, J City Farmers and Merchants Bank needs to ensure fairness and inclusiveness in recruitment design. In terms of talent team building, J City Agricultural and Commercial Bank needs to conduct diversified training methods. In terms of performance appraisal, J City Agricultural and Commercial Bank needs to adopt diversified performance appraisal and multi-level performance appraisal. In the construction of organizational culture, a collection of inclusive culture and competitive culture, corporate culture and business operation. Finally, the results were summarized according to the set tasks.
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Cash is [no longer] king: is an e-krona the answer? : - a de lege ferenda investigation of the Swedish Riksbank's issuing mandate and other legal callenges in relation to economic effects on the payment marketImamovic, Arnela January 2019 (has links)
For the past decades, the Swedish public’s payment habits have changed, where the majority of the public has abandoned the old way of making payments, using cash, and instead opted for more modern payment solutions, digital money. The difference between cash and digital money is that cash is physical and only issued by the Riksbank, whereas digital money is created by and stored on accounts at commercial banks. The question of what role the state should have on the payment market is an important point of discussion. But it is not categorically a new question; the Swedish government is tackling essentially the same problem today as it has been doing many times before. Today’s problem is to some extent however manifested in a different way. During the 20th century, discussions were held whether or not the Riksbank should have the exclusive right to issue banknotes. It was considered unnecessary, inappropriate and dangerous. The idea that the Riksbank could cover the entire economy’s need for banknotes was, according to the commercial banks, unreasonable. Nonetheless, in 1904 the exclusive right became fait accompli; the government intervened and gave the Riksbank the banknote monopoly. We are now finding ourselves facing a similar situation, where there is a difference of opinion regarding the Riksbank’s role on the payment market. It is therefore nothing new, but rather an expected task for the government, and thus the central bank, to analyze major changes and draw conclusions from them. The problem is essentially about cash being phased out by digital means of payment. In order to therefore solve the problem, the Riksbank has started a project to investigate whether or not the Riksbank should issue digital cash to the Swedish public, what the Riksbank calls an e-krona. To introduce an e-krona would be a major step, but for the public to not have access to a government alternative, seeing as cash usage is declining, is also a major step. No decision has been made yet regarding whether the e-krona will be introduced on the market or not. A decision that however has been made, is that the Riksbank is now working on building an e-krona to develop and assess the technique. Nonetheless, an introduction would undoubtedly have consequences for both the Riksbank and the commercial banks, which ultimately means it would have effects on the economy as a whole. What about regulatory aspects; is the Riksbank even allowed to issue an e-krona under current legislation? The answer is affirmative, to a certain extent. There are furthermore many other uncertainties regarding how an e-krona would affect the economy; the Riksbank does not fully answer many of the system issues in its project reports. The question of whether or not it even is up to the Riksbank to make a decision on the matter of an introduction is also questioned by the author in the thesis.
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A comprehensive measure of business performance : a study of the commercial banking industry in EthiopiaAssefa Worede Tesfay 12 1900 (has links)
The purpose of the study was to identify a comprehensive measure of performance by assessing the relationship between employee satisfaction and customer satisfaction on the profitability of the commercial banking industry in Ethiopia. The study adopted unidimensional path models, multivariate approach and factor analysis in predicting the dependent variable, determining the independent variables and the sample size and justifying the objectives of the sturdy. Primary data were obtained through structured questionnaires from valid sample responses of 180 employees and customers selected on convenient sampling method. Profitability (ROA & ROE) was measured based on the average data from the financial statements of 2007/8-2001/12 of the banks. Variant of empirical studies and theoretical frameworks, drawn from motivational, psychological and behavioural theories, were used to formulate the hypothesis and establish the relationship between internal service quality, employee satisfaction, customer service quality, customer satisfaction, customer loyalty and profitability. Results of the study indicated internal marketing influenced employee job satisfaction which in turn partially influenced customer service quality and customer satisfaction; customer service quality influenced customer satisfaction which then influenced customer loyalty. But, no relationship was observed between customer loyalty and profitability. However, due to the timing gap of the data on profitability and the data on customer satisfaction and customer loyalty, the relationship is apparently realizable in the long run. Therefore, due emphasis is required by the management of the banks to exert the necessary strategic effort on employee satisfaction, customer service quality, and customer satisfaction because of their implicit effects on profitability. Finally, the relevance of the research to the literature on performance measurement is demonstrated by contextualizing comprehensive models in the context of commercial banking industry in Ethiopia. / Business Management / D.B.L.
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臺灣銀行業之全球挑戰:防制洗錢與打擊資助恐怖主義–以兆豐國際商業銀行為例 / A global challenge of taiwanese banking industry : anti-money laundering and combating the financing of terrorism – a case study of mega international commercial bank孫曼蓉, Sun, Man-Jung Unknown Date (has links)
Money laundering (ML) involves a wide range of predicate offenses, including drug trafficking, human smuggling, arms smuggling, gambling, fraud, tax evasion, etc. Additionally, money laundering activities had been associated with drug trafficking or organized crime in the past, but the terrorist attacks on September 11th, 2001 have highlighted the link between money laundering activities and terrorist financing (TF). Due to the over-banking phenomenon in Taiwan, banks focus more on business performance than compliance, resulting in the violation incident of Mega International Commercial Bank (Mega Bank) New York Branch with a huge penalty of US$180 million fined by the New York State Department of Financial Services (NYDFS) in August, 2016. The violation incident of Mega Bank New York Branch has reinforced the importance of compliance with international Anti-money laundering/Combating the financing of terrorism (AML/CFT) standards for risk mitigation. Taiwan will undergo the third round of the Asia/Pacific Group on Money Laundering (APG) mutual evaluations in 2018, it calls for not only government legislation but also raising public awareness of ML/TF crimes and involves the public cooperation with the government in the fight against ML/TF.
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