Thesis (D. Min.)--Emmanuel School of Religion, 2006. / Abstract and vita. Includes bibliographical references (leaves 221-227).

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<p>This dissertation consists of three separate studies that examine patterns of immigrant incorporation in the United States. The first study tests competing hypotheses derived from conflicting theoretical frameworks−transnational perspective and cross-national framework− to determine whether transnational engagement and incorporation are concurrent processes among Chinese, Indian, and Mexican immigrants. This study measures transnational engagement and incorporation as home and home country asset ownership using multi-panel, nationally representative data from the New Immigrant Survey (NIS) collected in 2003 and 2007. Results support a cross-border framework and indicate that transnational asset ownership decreases among all immigrant groups, while U.S. asset ownership increases. Findings from this study also indicate that due to disadvantaged pre-migration SES and low human capital, Mexican immigrants are less likely than other immigrants to own home country assets during the year after receiving their green card. </p><p>The second study examines the doubly disadvantaged position of elderly immigrants in the U.S. wealth distribution by applying the life course perspective to the dominance-differentiation theory of immigrant wealth stratification. I analyze elderly immigrant wealth in respect to U.S.-born seniors and younger immigrant cohorts using two data sets: the Survey of Income and Program Participation (SIPP) and the New Immigrant Survey (NIS). The Survey of Income and Program Participation (2001 to 2005) is a nationally representative survey of U.S. households. The first series of analyses reveals a significant wealth gap between U.S.- and foreign-born seniors which is most pronounced among the wealthiest households in my sample; however, U.S. tenure explains much of this difference. The second series of analyses suggests that elderly immigrants experience greater barriers to incorporation compared to their younger counterparts. </p><p>In the third study, I apply a transnational lens to the forms-of-capital and opportunity structure models of entrepreneurship in order to analyze the role of foreign resources in immigrant business start-ups. I propose that home country property use represents financial, social, and class resources that facilitate immigrant entrepreneurship. I test my hypotheses using survey data on Latin American immigrants from the Comparative Immigrant Entrepreneurship Project. Findings from these analyses suggest that home country asset ownership provides financial and social capital that is related to an increased likelihood of immigrant entrepreneurship.</p> / Dissertation

Doctor of Philosophy / Department of Human Ecology-Personal Financial Planning / Sonya Britt / The purpose of this study was to determine the influence of self-regulation on positive financial behaviors and bankruptcy filings of high net worth individuals. The implications are directed toward various groups and factions of high net worth individuals as populations of interest. The basic premise of self-regulation of behavior theory is that human action is driven by attainment of goals and the degrees and forms of behavior expressed by an individual can be quantified by specific personality characteristics which affect both the response to, and velocity toward, those goals (Carver & Scheier, 1998). A survey administered to high net worth individuals (i.e., net worth of $1 million or greater) with a oversampling of high net worth individuals who have filed bankruptcy focused on self-reporting personality measures key to the self-regulation of behavior theory, such as optimism-pessimism and appetitive motives. By utilizing data gathered from high net worth individuals, a t test was used to examine mean differences in the personality characteristics of high net worth individuals who have filed bankruptcy and high net worth individuals who have not filed bankruptcy. The debt-to-income and debt-to-assets ratios were utilized as the dependent variables in an OLS regression analysis to analyze if any of the variables of interest significantly influenced the debt-to-income ratio, or DTI, or debt-to-assets ratio, or debt-ratio. This was followed by a logistic regression analysis predicting the odds of a bankruptcy filing based on the variables of interest. Potential differences in personality and behavior may explain wealth management issues that exist between high net worth individuals who have filed bankruptcy and high net worth individuals who have not filed bankruptcy.

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Thesis (Ph. D.)--Ohio State University, 1983. / Includes vita. Includes bibliographical references (leaves 136-142). Available online via OhioLINK's ETD Center.

Asian financial storm in 1997 seriously impacted the banks of Asia. Likewise, the banking industry of Taiwan was by no means staying away from the disturbances. In consequences, bad debts increased enormously. Hence, the government announced related measures to rescue the financial industry continuously. After the storm, the banks reverted with a new operation model¡Xwinning major profits from risk-free transaction charge, instead of gaining spreads from loan businesses. In another word, ¡§Wealth Management¡¨ means ¡§Money Management¡¨. According to the report under the title of ¡¨The consumption financial market in Asia, the future change of the decade¡¨ published by SSB in 2003, the potential of wealth management market in Taiwan is astonishing. In Year 2000, the number of families holding property available for investment over NT¢C3,300,000 was 400,000 in total. Hopefully, the number could exceed 1,010,000 with a 9.8% growth rate per year. Comparing with European countries and USA, Taiwan can be regarded as a virgin soil to rival. Therefore, all the banks set foot in this market one after another. This research has been composed based on case study. It adopts marketing 4Ps (Product, Price, Place & Promotion) as the principle approach and the method of ¡§interview¡¨ to probe into the marketing policy of the ¡§selected bank¡¨, by presenting the current condition and problem the bank faces in developing wealth management business, and thus bring up opinions of the writer.

Currently in Taiwan, there are about 450,000 people with net assets of US$100,000 and this number is estimated to exceed 510,000 (people) in three years. The market of wealth management is in its infancy and the potential for future development in this sector is huge. Moreover, the emerging trends of financial holding companies, ¡§cross marketing¡¨ strategies as well as an under-cultivated market will be contributing factors for the banking industry to be able to expand and grow into the wealth management sector. In the highly competitive financial sector, the margin for administering traditional deposits and lending is getting narrower all the time. Furthermore, under government regulation, a bank must provide a certain amount of reserves for bad debts in its administration. Therefore, the main objective of the Bank of Kaohsiung is to create more revenue for its sustainability. The Bank of Kaohsiung (BOK) has been engaged in the wealth management business since September 2002. This report details the study of ¡§ The Strategy planning for the wealth management sector for the Bank of Kaohsiung¡¨. The motive of this research is not only to gain more revenue from non-risk administrative fees but also to help improve the core competitive ability of the Bank of Kaohsiung. This research mainly focused on the SWOT (Strength, Weakness, Opportunity, Threat) analysis of the staff of BOK; to understand their position in the promotion of wealth management and how to plan the market strategy for this sector through a systematic procedure (Questionnaire Survey included). Through this study, we would like to understand our clients¡¦ needs as well as the direction of future development. This would enable us to improve our competitive edge in this sector. In conclusion, we hope that this document may provide a reference guide to peers for promoting their wealth management business in the banking industry.