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Řízení lidských zdrojů ve vybrané organizaci / Human resource management in the selected organizationPOSPÍŠILOVÁ, Lenka January 2011 (has links)
The theme of my thesis was Human resource management in the selected organization. I chose the CSOB. In the theoretical part, I wrote about the important definitions associated with this topic. For example, human resource management, human resources, intellectual capital, human capital, knowledge organization, knowledge worker, culture, corporate culture, training and staff employees, the role of the HRM manager. The main objective was to evaluate human resource management with a focus on developing intellectual capital in a particular organization. Partial objectives was: characteristics of the selected company, its historical development, targeting and mapping of the human resources department, design and evaluation of the marketing research staff focused on the functionality of human resources in the organization, analysis of data and information, and an overall assessment of current approaches to managing human resources and intellectual capital to work with the selected organization and assessment of current situation and possibilities for improvement and formulation of its own proposals and measures in the field of human resources. The practical part of my work I have a stock of internal materials the HRM system in CSOB, I conducted market research among employees. Next, I evaluated the results of marketing research and presented in the form of tables and graphs. The data analysis revealed that employees are most satisfied with the HRM system, I see only a lack of communication and access management company. Solution is open communication and improved access to management start.
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從美國次級房貸談台灣金融業可能遭受之影響及省思 / How Could We Succeed In The Aftermath of U.S.Subprime Crises徐雪蓉, Hsu, Hsueh Jung Unknown Date (has links)
美國次級房貸在1990年代中期曾經十分興盛,不過之後因LTCM危機,加上Fed採取連續升息政策,許多次級房貸放款的業者面臨資金流動性問題,以及次級房貸利潤不夠高,迫使許多業者退出這個市場,1998年亞洲金融風暴,美國雖未受波及,然自2000年開始因網路科技泡沫影响及2001年911恐怖攻擊,經濟衰退連續降息後,次級房貸在美國持續降息期間再度大幅成長,原因包括當時美國房價上升速度快、不動產市場流動性充裕,投資人增加對收益率較高產品的需求,導致更多次級房貸需求。
國際資金游動頻繁,衍生性產品及不動產證券化盛行,信用卡債、擔保債權憑證(CDO)、資產抵押證券被分割、包裝成證券或基金產品賣出,次級房貸風暴發生,間接亦影響到全球投資在上列產品之銀行、避險基金、機構法人、退休金等等…導致全球股票市場大跌,引發整個金融信用環境惡化,可能引發不良金融連鎖反應,從而導致更大的經濟金融危機。
美林證券、花旗銀行、歐美各大銀行相繼宣布資產減損,台灣國內銀行、保險公司亦陸續出現認列資產減損金額,只要一有次級房貸不利之消息出現,全球股市應聲而倒,截至目前問題所在雖略知一二,然國外金融業界因資訊較透明,其影響已漸公佈及擴大中,國內金融業則仍多採取保守態度,但亦逐漸依規定認列財產損失,然而問題是否已近尾聲,風險是否完全受控制則說法不一。
次級房貸問題的主要原因是相關金融商品證券化,層層包裝成各種衍生性產品,於次級房貸風暴發生後,信用風險連鎖反應造成相關產品無流動性,被隱藏的風險暴露後原有的信評機制幾乎全部失效,層層包裝的風險因事先未被定價,風暴後更無法估算其所會波及之影響,Mark to Market及34號公報迫使全球企業對次級房貸投資相關產品之損失提列資產減損,更加重各項產品流動性之停滯,信用危機造成信心危機,層層結構性產品及再轉投資,造成信用無虞的公司也遭魚池之殃,次級房貸衍生之金融商品,因主要購買者多為金融業或保險業或再包裝後出售予投資客,其後繼影響更是難以估計。
本論文內容除探討美國次級房貸定義、對美國國內及全球之影響、美國政府及各國政府的因應政策、截至目前影響及預計可能還會再出現影響,及因次級房貸之崩潰及衍生之金融產品之跌價所影響的層面與近年來國內外銀行爭相推展個人金融事業及財富管理事業的成立,是否有相當之關係,信用評等、風險控管、及定價在此風暴是否扮演重要角色,但卻又明顯失控?為避免類似情況再發生,應如何因應與防範?進而以提出個人對此事件探討之結論及省思後之建議。
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