As a college textbook, the material can be taught in both undergraduate and graduate courses. Professionals will find it to be an indispensable guidebook for everyday use and benchmarking company programs. The book is divided into three sections. The first section discusses the need for employee services, steps to becoming an Employer of Choice, shaping corporate culture, and developing a work/life focus. The second section examines ESM Association's '10 Components of a Well-Rounded Employee Services Program'. The last section discusses general management techniques such as human resources and financial planning.
"CRM in Financial Services" gives a whole host of suggestions as to how companies can improve their CRM and achieve the anticipated return on investment. It shows how to avoid the main problems and challenge some of the conventional wisdom about what is happening in the financial services market.
financial markets suggests that factors such as differences in capital requirements, limi- tations on size or on the range of financial activities in which firms can engage, govern- ment guarantee arrangements for deposits or payments, and reporting or disclosure requirements can have important effects on the efficiency of industrial and commercial firms and thus on the international competitive positions of major sectors of the U.S. economy. Regulatory and tax policies must therefore take into account effects on inter- national competitive positions in addition to domestic concerns. The articles in this issue analyze differences in market organization and regulation across countries and examine how efficiency in producing financial services is influenced by these differences. These articles were presented and discussed at a conference sponsored by the Amer- ican Enterprise Institute in Washington, D.C., on May 31 and June 1, 1990. This confer- ence on International Competitiveness in Financial Services brought to the attention of Washington policy officials these analyses by leading scholars in finance. Publication of these studies and critiques in the Journal of Financial Services Research is intended to stimulate further interest in research on these important issues.
Despite the high hopes for EU-wide financial stability invested in the European Economic and Monetary Union, it is becoming more and more evident that the limited supervisory role of the European Central Bank has added to an already overcomplicated situation. Although European regulatory competences are now increasingly formalised through detailed rule-making, they remain broad and widely discretionary. It is still the many different national authorities that are regulating or supervising banks and other financial institutions. The root issue'what is the relationship between an effective European supervisor and the supervisory functions that remain at the Member State level?'has not yet been adequately addressed.The essays in this important book ask the question: Given that there is no viable political structure to support an international regulator of financial markets, what can lead to regulatory change in Europe? The authors demonstrate convincingly that if this question is not answered soon'and especially if the reality of the need for regulation to avert international financial crises is not faced squarely'then we will continue to experience panic-stricken short-term responses to repeated crises. Among the core issues of relevance analysed in the book are the following:the increase in systemic risk that accompanies the introduction of the Euro;the inability of mere cooperation between national authorities to handle crises;the European Central Bank as an organisational model for the development of a single European regulator;the persistence of a traditional national character in surrounding areas of law such as contract law and company law;the heretofore intractable problem of the double burden of having to follow more than one set of national rules; and,the apparent inertia of major business players, in spite of the obvious benefits for them of EU level regulation. Financial Markets in Europe offers a large and welcome measure of clear thinking to the entire professional community'regulators, bankers, scholars, insurance professionals, securities managers'engaged in the complex field of activity guided by monetary policy and supervision of financial markets. Because it raises broad issues and perspectives for a globalised world, it will be of value not only in Europe but to financial services specialists everywhere.
In clear, easy-to-grasp language, the author covers many of the topics that you will need to know in order to launch and run a successful business venture.
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