The financial crisis has affected every economy during the last decade thus under this changing environment that effect the marketing strategies and these strategies began to change according to the buying behavior of the people. In this research the consumer perspective is examined with the change in mobile phone technology. This is an industry of constant change and innovation in which manufacturers are continually developing new technologies for consumers. As the buying behavior of the consumer is changing but how these changes in mobile phone technologies are effecting the consumer is analyzed in this research. The technologies used in the mobile phone are upgrading quickly that effect the prices and technology of every new version of mobile phone. This made the consumer confused to make a buying decision of mobile phone. We examined the problem with consumer buying behavior, in which the consumers purchase decision and post purchase decision were analyzed under the impact of financial crisis. Furthermore, the buying process of consumer helped us examining the attributes and satisfaction of purchase decision. For this purpose, we formulated four propositions which were based on research problem and these propositions were analyzed through different variables. We conducted questionnaire survey from the consumers in Umea, Sweden and collected data from 150 respondents. To analyze and draw conclusion from the collected data, we ran different univariate and bivariate analysis. The marketing strategies were analyzed through the buying behavior which involved usage situation and source of information for making the decision. The impact of financial crisis was examined through the change in spending of consumer. The change in technology of mobile phone was examined through the features and performance of mobile phone used by the consumer.  Thus, we concluded that the buying behavior of people changed due to change in income, but this change showed more effect on the sales of the mobile phone than on its technology. We analyzed that consumer want to retain their mobile phone for a long period, but the technologies used by the mobile phone manufacturers are attracting them by showing different benefits. As a result, the effect of different marketing strategies attracted the consumer to purchase mobile phone with advanced technologies. On the other hand, financial crisis didn’t show a major impact on the mobile phone market. The spending of the consumer in crisis did not increase the demand for new technology but the change was due to the nature of the mobile phone because it was considered as a commodity by the consumer. Mobile phone performance and technology has built satisfaction in the people mind because mobile phone manufacturers are providing advance technologies to the people.

In the past few years, financial restructuring fund has become a popular term in Taiwan. This is because Taiwan tries to avoid impact of the financial environment and economic growth during Asian financial crisis period. They bring in mechanism of Japan, South Korea, and United States, legislate for provisions of financial restructuring fund, and establish this fund in order to compensate the capital shortfall may be arising from unhealthy financial institutions, as well as to prevent a withdraw run on a bank because of public panic and chain reaction causing the outbreak of systematic financial crisis. However, the evaluation of the effect of the financial restructuring fund from outside world is different, and opposition has been heard often. They criticize that the financial restructuring fund is a bottomless pit, and there is suspicion that the fund uses the money from taxpayers to rescue those illegal operators of bad financial institutions. The size of the fund has been increased by amending the law constantly, and nearly 170 billion new Taiwan dollars has been invested which can only fill in loopholes. It can stabilize the order of financial market temporarily, but it is unable to prevent successive crisis effectively that caused by bad financial institutions. ¡@¡@ The financial restructuring fund entrusts the Central Deposit Insurance Corporation to execute all kinds of matter. In the process, how does the Central Deposit Insurance Corporation operate? What is the trend of amendment in the future? These issues are worth studying and discussing. The process including the assessment, clearing up, selling tender, prosecution, and reimbursement of the illegal responsible person after taking over bad financial institutions. What kind of problems would occur during the process of operation? How does the Central Deposit Insurance Corporation handle it? This research regards Kaohsiung Business Bank as the case, not only to understand and report it, but also to analyze and discover problems from legal point of view. Base on the judgment of the prosecution in accordance with the court, it evaluates all kinds of effect of the financial restructuring fund that is applied to Kaohsiung Business Bank. Finally, this research tries to bring up the conclusion and suggestion of the financial restructuring fund, based on the gains after evaluating and analyzing, hope it is helpful on the application and management of current financial restructuring fund.

Global financial crisis, triggered by the U.S. sub-prime mortgage crisis, is now the hot issue all over the world. The crisis has already slowed down the world economy and brought great shocks to almost every industry. For B2C companies all over the world, the crisis is more of an opportunity than a threat and therefore these companies should use marketing techniques to further boost their revenue and profit. In view of this situation, this thesis is dedicated to discuss the price and promotion strategies used by B2C companies during the crisis. Through case studies of four B2C companies, that is, TaoBao.com, DangDang.com, EBay.com and Amazon.com, we conclude that discount, pricing leadership and penetration pricing are the universal price strategies used, while they also use nearly similar promotion strategies: advertising, public relation and sales promotion. Considering the current crisis, we also think that current price and promotion strategies are insufficient in face of global financial crisis in that they are not flexible enough to adapt themselves to the changing consumer behaviors and economic surroundings. Consequently, to seek to address these problems, we here bring forward three suggestions: strengthened segment-based pricing Strategy, innovative promotion strategy and flexible marketing mix.

Problem: -The 2008 Financial crisis has caused global impact on business market and led to question leader's competence. Prior study has found that leadership contributes certain effects to organizations' performace under a crisis situation, however there is lit-tle study which has been made regarding to identifying crisis leadership and its compe-tence and management during crisis. Purpose: - The purpose in this thesis is to bridge the gap between crisis management and leadership by finding answers of five research questions. Which are ; How this 2008 financial crisis has affected the international financial institutions, what leadership dimensions are performed by leaders during the financial crisis, which leadership style do leaders tend to rely on in international financial companies during the 2008 financial crisis, why do leaders tend to rely on the dimensions of transformational leadership or transactional leadership and what are the implications in this study that could lead to fu-ture research. Method: - The study employs qualitative methods to fulfill better and deeper understanding about 'how' and 'why' on leadership dimension during the 2008 financial crisis. Data were collected by personal interviews to support and act as a foundation of the analysis to answer the research questions. The choice of interviewees is middle managers of large international companies in the financial sector in Sweden and South Korea. Conclusions: - The finding of this study indicates that 2008 financial crisis has af-fected on large international financial corporations in Sweden and South Korea. More-over, three dimensions of transformational leadership are strongly performed by the middle managers during the 2008 financial crisis. The three strongly performed dimen-sions are (1) Inspirational Motivation, (2) Charisma/ Idealized Influence and (3) Indivi-dualized consideration.

This research examines the recent global financial crisis’ (GFC) impact on small- and medium-sized enterprises (SMEs) and analyses governments’ responses. According to most literature, SMEs already faced obstacles prior to the GFC, such as paying high taxes, overcoming low profitability, being affected by rising business costs, finding qualified labour, dealing with increasing competition, etc. The GFC has had serious repercussions for SMEs with respect to financing, markets, and liquidity. In order to explore in depth the governments’ responses, qualitative methods are employed to test the following three research questions: 1) To what extent did governments aim to assist SMEs to survive the GFC? What types of programs have been implemented to address new and existing obstacles? 2) Did governments apply appropriate strategic initiatives to realize their goals? If the initiatives could not achieve the governments’ original goals, what obstacles did they address? 3) Did governments tend to help SMEs more after the GFC? Did governments give up on disadvantaged firms or did they try to help them survive the crisis? Analysis revealed that, as a result of the GFC, governments developed programs aimed at new obstacles and at some of the existing ones. The aims did not differ materially for developed and less-developed economies. Financing and taxation programs tended to be designed to achieve their goals directly, where other programs tended to achieve them in a more indirect manner. Overall, government initiatives covered most of the serious obstacles faced by SMEs and government assistance programs aimed at SMEs tended to have been augmented in light of the GFC.

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This study examines the timeliness of write-downs taken by U.S. financial institutions during the financial crisis of 2007-2008. The timeliness of write-downs is measured by benchmarking the quarterly accounting write-down schedule with the devaluation schedule implied by credit indices such as the ABX. The results show that accounting write-downs are less timely than the devaluations implied by credit indices. In a cross-sectional analysis of the determinants of the timeliness of write-downs, I document that higher corporate governance quality is positively related to timelier write-downs. Furthermore, I observe that regulatory investigations and litigation pressure are positively related to the timeliness of write-downs, whereas the write-downs by firms with more complex exposures, higher financial leverage, and tighter regulatory constraints are less timely. In addition, I control for numerous exposure-specific characteristics and document that less risky exposures, and exposures that were affected later during the financial crisis, were written down later. Regarding the consequences of timeliness, this study finds that the exposure to risky assets is reflected faster in stock returns for firms with timelier write-downs.

This study presents the financial behavior of individuals in Umeå and how their allocation of financial assets has changed as an effect of the financial crisis of 2008. We have also elaborated further on what variables that has had the most impact on individuals’ reallocation behavior. We have chosen a quantitative approach and based our findings on the data derived from 210 participants. Our entire sample was drawn from the geographical area of Umeå and the data was collected through the use of a survey. Our research is built upon a deductive approach; hence we are not generating new theory but rather drawing our conclusions from the comparison of our collected data with previous made research. Our analysis led us to the conclusion that the majority of the individuals in Umeå have not chosen to reallocate their financial assets due to the financial crisis of 2008. Our research was to most parts in line with previous research made within this area. We were also able to determine some main variables that have had a evident effect on the individuals decision to reallocate or not. Some of the most prominent variables are; gender, income and risk willingness.

This study examines the timeliness of write-downs taken by U.S. financial institutions during the financial crisis of 2007-2008. The timeliness of write-downs is measured by benchmarking the quarterly accounting write-down schedule with the devaluation schedule implied by credit indices such as the ABX. The results show that accounting write-downs are less timely than the devaluations implied by credit indices. In a cross-sectional analysis of the determinants of the timeliness of write-downs, I document that higher corporate governance quality is positively related to timelier write-downs. Furthermore, I observe that regulatory investigations and litigation pressure are positively related to the timeliness of write-downs, whereas the write-downs by firms with more complex exposures, higher financial leverage, and tighter regulatory constraints are less timely. In addition, I control for numerous exposure-specific characteristics and document that less risky exposures, and exposures that were affected later during the financial crisis, were written down later. Regarding the consequences of timeliness, this study finds that the exposure to risky assets is reflected faster in stock returns for firms with timelier write-downs.

Prior literature finds that firms incur a lower cost of debt capital when they voluntarily disclose information. However, the economic literature demonstrates that creditors' lending standards become more stringent (lax) when credit is rationed (abundant) suggesting that they value voluntary disclosure from borrowers differentially across credit market regimes. I draw upon the economic and finance literature on credit rationing to test whether the effects of voluntary disclosure on firms' cost of debt capital is greater during periods of credit rationing. I provide some evidence that confirms this prediction. Moreover, I provide some evidence that this relation is stronger for smaller firms than larger firms during periods of credit rationing suggesting that creditors value voluntary disclosure more from firms that have fewer resources to cover the increased agency cost of lending during periods of credit rationing.