I want to know some hot topics in finance filed related to banks, financial, industrial and service sector.
Best Regards,
Dear Mohammad Kamrul Ahsan
Greetings,
Thank you very much for your comment.
Best Regards
Behavioral finance, economic profitability and sustainability, risk management
Dear Fernando Gómez-Bezares ·
Many thanks my friend for your contribution.
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Time Frequency co-movement among global stock markets during tranquil and turmoil periods.
Dear My Friends,
Thank you for all your answers . In fact it is useful for me .
Best Regards
Crowd funding
Balance of Payment crisis
Startups
Stock Indices
Foreign Portfolio Investment
Energy Management
Social Investment
New stock Instruments
Innovative services in Banking
Dear Munji
Greetings,
Thank you very much for your contribution
Best Regards,
Hi,
Cryptocurrency would be fine. Bitcoin is really shaking the importance of central bank money in transactions. The emergence of altcoins is also very rapid. Then Indexing is another hot one. Just think about low trading volumes in international indices and their information content!
Regards,
Ojwang' George
Dear George Ojwang
Greetings,
Thank you very much my friend for your information.
Best regards
Hello,
- managing and measuring the effects of innovation,
- investment in CSR activities.
Best regards
Dear Dawid Szutowski
Thank you very much for your contribution
Best Regards
Now companies look to leverage the power of their data, they are turning to outsourcers with greater expertise and technology resources than they have in-house. An outsourcer is going to have access to state-of-the-art technology, and experts who use those software packages every day.Various finance and accounting outsourcing firms use different finance and accounting software, like:Marg software-for accounting and inventory needs,MPROFIT Software-for accounting and portfolio management,Asset Expert Software-for fixed asset management,eMerge Software-for financial consolidation and reporting,TaxCloud and compuTax Software for taxation issues, QuickBooks (Intuit) Payroll, PayCycle, Paychex, ADP, Deltek and Accountix Software- for Payroll Processing, QuickBooks, CheckMark, MultiLedger, MYOB Software- for Accounts Receivable and MYOB, SAGE, QuickBooks (All versions), Quicken, Peachtree, NetSuite, Creative Solutions Accounting, Master Builder, Business Works Software for book keeping activities.
Dear Sanjeev Bansal
Greetings,
Thank you very much for your interest and contribution. In fact it is very useful for me
Best regards
Finance and networks
Finance and hormones
In general behavioral finance and neuro finance
Dear Christos Alexakis
Greetings,
Thank you very much for your contribution
Best Regards
The following areas may be explored: financial inclusion, interaction of monetary and fiscal policies, rising public debt, Integrating behavioral finance theory and traditional finance theory (challenging), integrating life cycle theory with other finance theories, growing usage of debt by financial institutions, risk management issues in financial institutions and non-financial firms, revisiting capital structure puzzle, CEO characteristics and acquisitions, revisiting the link between investment and wacc, etc.
Dear B.T Matemilola & Ivica Terzić
Greetings,
Thank you very much for your interesting and valuable contribution , many thanks my friends .
Best Regards,
Dear Sir,
Financial Modeling and Behavioral Finance are the most searchable topics currently.
Modeling Financial Decision Making in the context of Behavioral Finance.
My important topic on finance is the issue of risk management in the context of the analysis of the sources of the global financial crisis.
I invite you to the discussion
The issues of risk management in the context of determinants of the global financial crisis are described in the publications:
https://www.researchgate.net/publication/323244391_Determinants_of_credit_risk_management_in_the_context_of_the_development_of_the_derivatives_market_and_the_cyclical_conjuncture_economic_processes
https://www.researchgate.net/publication/327201116_Importance_and_implementation_of_improvement_process_of_prudential_instruments_in_commercial_banks_on_the_background_of_anti-crisis_socio-economic_policy_in_Poland
https://www.researchgate.net/publication/327201132_The_role_and_application_of_Keynesian_macroeconomic_anti-crisis_theories_in_the_context_of_development_of_the_financial_system_in_Poland
https://www.researchgate.net/publication/320074785_THE_SHADOW_BANKING_AS_AN_EXAMPLE_OF_INEFFICIENCIES_IN_THE_FUNCTIONING_OF_THE_BANKING_SYSTEM_IN_POLAND
I invite you to discussion and cooperation. Greetings
Below I present my suggestions for interesting subjects of diploma theses and research works:
Is the importance of the psychology of financial markets and behavioral economics in the securities markets falling after the global financial crisis?
Are the investors operating in securities markets more cautious in making investment decisions after the global financial crisis, or are they more thoroughly analyzing the investment risk of investing in capital markets?
Has any of you conducted research aimed at identifying possible changes in the significance of the psychology of financial markets and behavioral economics in the capital markets, including securities markets after the global financial crisis of 2008?
If research shows that the importance of the psychology of financial markets and behavioral economics on the capital markets is decreasing, what is it mainly determined?
Is this the result of post-crisis higher awareness of investment risk among investors, or also changes in the structure of dominant segments of investors operating on capital markets, or is it also the result of the increase in the number of transactions conducted by computerized transaction systems?
Please reply. I invite you to the discussion
Will further mergers and acquisitions in the investment banking sector increase the credit systemic risk in the economies?
The process of credit risk management improvement is implemented mainly at the level of a specific commercial bank.
Central and supervisory institutions, which include mainly central banking and banking supervision institutions, may affect some aspects of this process, correct possible excessive levels of systemic credit risk, especially when a specific bank reliably implements prudential procedures in the scope of lending or in an aggravating situation the quality of the loan portfolio caused by the downturn in the domestic and possibly global economy.
Before the emergence of the global financial crisis in autumn 2008, there was an unwritten rule in some financial circles that a large banking entity could not fail.
The declaration of bankruptcy by jeen from the largest investment banks Lehman Brothers, from which the bankruptcy will begin the global financial crisis, questioned this type of opinion referring to entities of the financial system.
Since 2008, in the period of the past decade, another spectacular major mergers and acquisitions took place in the sector of commercial financial institutions, including some of the largest banks globally.
If the supervisory and central bodies of financial systems consent to this type of transaction, is it possible to assume that central banking and banking supervision institutions of particular countries are of the opinion that this is irrelevant to the potential increase in systemic credit risk and thus the risk of emergence in the future, the next and perhaps even more negative effects of the global financial crisis?
What if one of the largest banking entities on the global scale in the future would announce a permanent loss of liquidity?
Do the central banks that are accepting this state already have prepared prudential and rescue instruments, including, for example, counted in many billion USD or Euro rescue stabilization funds in the event of the emergence of the next global financial crisis?
These financial stabilization funds are reportedly already prepared, but can a potentially larger global financial crisis than the previous one in 2008 be effectively controlled thanks in principle only to these stabilization funds?
In addition, if central banking suggests to commercial banks, including investment banks operating on capital markets, that in the event of a financial crisis will help to eliminate the potential risk of bankruptcy of many financial system entities, how these statements translate into an approach to improving the credit risk management process and to comply with banking procedures regarding lending and securities operations and compliance with good business practices?
In my opinion, such unwritten statements can increase the moral risk and reduce the pressure and need to improve credit risk management processes.
On the other hand, the merger of one of the largest commercial finance sector entities and the emergence through mergers and acquisitions of larger banks may generate an increase in systemic credit risk, the negative consequences of which in the event of another financial crisis will be more difficult to control by central banking rescue tools, if the financial reserves shaping the issue of the security of the financial system in the economy maintained by certain central banks will not grow at such a rapid pace as the increase in the balance sheet total of merging and emerging growing banking entities.
In view of the above, after the past decade from the global financial crisis of 2008, the question still remains: Will further mergers and acquisitions in the investment banking sector increase the credit systemic risk in the economies?
Please, answer, comments. I invite you to the discussion.
Why do financial institutions in some countries verify the potential borrowers in the information resources of social media websites with impunity?
Many business companies in internet marketing collect and analyze comments, posts, entries, etc. from social media portals.
It is also done by some financial institutions, banks acquiring additional information about potential borrowers and insurance companies against possible conclusion of insurance contract. Commercially operating companies and financial institutions operate in this area on the border of the law on the protection of personal data.
Until this type of acquisition of information about potential customers is legally regulated, then commercially operating companies and financial institutions will conduct such activity. In addition, the issue of the security of this type of data about users of social media portals is of particular importance, as there have been effective cybercriminal attacks that resulted in the theft of personal data of users of social media portals.
I invite you to the discussion
What are the most important determinants of the commercial banks' lending policy in your country?
The most important issue is the credit risk management for loans granted to commercial banks and the adjustment of credit policy to the quality of the loan portfolio, the clients' economic and credit standing, borrowers, business climate, customer incomes and changing systemic risk, investment in the business sector and the changing average creditworthiness of borrowers and potential customers. I described these issues in my publications.
In view of the above, I am asking you the following question: What are the most important determinants of the commercial banks' lending policy in your country?
Please, answer, comments. I invite you to the discussion.
The issues of risk management in the context of determinants of the global financial crisis are described in the publications:
https://www.researchgate.net/publication/323244391_Determinants_of_credit_risk_management_in_the_context_of_the_development_of_the_derivatives_market_and_the_cyclical_conjuncture_economic_processes
https://www.researchgate.net/publication/327201116_Importance_and_implementation_of_improvement_process_of_prudential_instruments_in_commercial_banks_on_the_background_of_anti-crisis_socio-economic_policy_in_Poland
https://www.researchgate.net/publication/327201132_The_role_and_application_of_Keynesian_macroeconomic_anti-crisis_theories_in_the_context_of_development_of_the_financial_system_in_Poland
https://www.researchgate.net/publication/320074785_THE_SHADOW_BANKING_AS_AN_EXAMPLE_OF_INEFFICIENCIES_IN_THE_FUNCTIONING_OF_THE_BANKING_SYSTEM_IN_POLAND
I invite you to discussion and cooperation. Greetings
Do banks cooperate with fintechs?
Commercial banking has several hundred years of development history. Fintechs have been developing only since the end of the 20th century, but the development of some fintechs is many times faster than most banks currently operating. This is the main reason why banks are interested in the development of fintechs. In most countries, fintechs are not yet a significant direct competition for commercial banks, but taking into account their dynamic development in the field of new technologies, online settlements and payments, combining information services with financial or other services and e-commerce, with e-commerce , e-business, however, this may change in the future and this competition may increase significantly in the future.
Banks that are not afraid of competition from fintechs usually do not cooperate only by observing new technologies introduced to the online market of financial transactions by fintechs. However, commercial banks that are afraid of competition from fintechs are either interested in this type of cooperation in the field of technology development or take over these entities in capital transactions, including selected fintechs to capital groups managed by a given bank. There have been transactions of this type in which a commercial bank took control of a fintech, which was a dynamically developing startup or a thriving technology company operating in the new online media sector and new techniques for settlements and payments made electronically. Some banks, fearing competition from fintechs, observe their functioning and try to introduce into their business model solutions similar to those that develop fintechs with positive effects.
In view of the above, I am asking you the following question: Do banks cooperate with fintechs?
Please reply. I invite you to the discussion
What is the important topic for the study of the sources of the global financial crisis in 2008?
An important topic in the area of finance is the management of financial risk in the context of the analysis of sources of economic, financial, debt and other crises. The financial systems still have not been improved in their functioning, especially in the area of investment banking, in terms of unethical practices, the use of which was one of the significant sources of the global financial crisis of 2008.
In connection with the above in my opinion important topic on finance is the issue of risk management in the context of the analysis of the sources of the global financial crisis.
I invite you to the discussion
The issues of risk management in the context of determinants of the global financial crisis are described in the publications:
https://www.researchgate.net/publication/323244391_Determinants_of_credit_risk_management_in_the_context_of_the_development_of_the_derivatives_market_and_the_cyclical_conjuncture_economic_processes
https://www.researchgate.net/publication/327201116_Importance_and_implementation_of_improvement_process_of_prudential_instruments_in_commercial_banks_on_the_background_of_anti-crisis_socio-economic_policy_in_Poland
https://www.researchgate.net/publication/327201132_The_role_and_application_of_Keynesian_macroeconomic_anti-crisis_theories_in_the_context_of_development_of_the_financial_system_in_Poland
https://www.researchgate.net/publication/320074785_THE_SHADOW_BANKING_AS_AN_EXAMPLE_OF_INEFFICIENCIES_IN_THE_FUNCTIONING_OF_THE_BANKING_SYSTEM_IN_POLAND
I invite you to discussion and cooperation. Greetings
Can the genesis of global economic crises be combined with technological revolutions?
In addition to many economic and financial sources in the field of unreliable risk management procedures, re-evaluation of assets on capital markets, long-term too low interest rates by central banks, granting loans to entities without creditworthiness, etc., according to non-classical theories, other sources of crises economic.
One of these non-classical theories is combining deep economic crises with technological revolutions, the secondary effect of which is over-investing in technological projects and re-evaluating the assets that these projects relate to.
In view of the above, I am asking you: Can the genesis of global economic crises be combined with technological revolutions?
Please, answer, comments. I invite you to the discussion.
What would have to change in contemporary, developed and indebted economies to start reducing their public debts?
Some of the developing countries, such as China, are generating large financial surpluses. Chinese banks place their large financial surpluses in, among others, US Treasury bonds, thus financing the US budget deficit. In contrast, some developed countries in Europe and the US have high public debts, which strongly increased, among others by the global financial crisis of 2008. What will happen if in the development of the current technological revolution, Industry 4.0, is the developing world going to take precedence in technological development? Will it be a sidetrack of the existing highly developed countries of the Western world?
Please, answer, comments. I invite you to the discussion.
Do innovative startups in your countries easily obtain external funding for their investment projects from commercial financial institutions?
If someone in your country thinks about innovative new types of products or services, technological innovation, and innovation in the field of Pre-idea 4.0, is there no problem with finding external financing, i.e. obtaining financial capital for the implementation of this developed innovation?
What types of external financing sources dominate your country in terms of financing the development of innovative startups?
Please, answer, comments. I invite you to the discussion.
Do credit risk quantification models, eg credit scoring, credit metrics, value at risk, apply outside of finance and banking?
In finance and banking, the precise measurement of credit risk and other financial risk categories is particularly important because the specific value of the required financial reserves depends on it.
The global financial crisis of 2008 was proof that having certain security procedures and improving risk quantification models may not be sufficient to maintain the security of the credit institution and the security of the entire financial system.
If the security procedures are excessively liberalized and sometimes happen in a situation of high economic growth, unfortunately the processes of improvement of risk management instruments may be insufficient to maintain a high level of security of the financial system.
Then transactions and investment processes burdened with too high risk levels are generated very quickly, which often led to financial and economic crises.
However, the basis is the improvement of risk management processes and adherence to the developed security procedures.
As part of this process, for several decades, credit risk quantification models, such as credit scoring, credit metrics, and value at risk, have been created and improved in finance and banking.
Paradoxically, many of these credit risk measures were created in investment banking, i.e. this kind of banking of the king is most responsible for triggering the global financial crisis.
In view of the above, I am asking you: Are credit risk quantification models such as credit scoring, credit metrics, and value at risk applicable outside of finance and banking?
Does anyone of you conduct research in this area?
Please reply. I invite you to the discussion
Should the development of industry be burdened with additional environmental taxes in order to finance the development of energy based on renewable energy sources and reclamation of a devastated natural environment?
In subsequent years, developed countries will be under pressure to increase spending on environment-friendly targets, including financing the development of power plants based on renewable energy sources, reclamation of devastated natural environment and reduction of emissions of environmentally harmful industrial waste.
On the other hand, the increase in fiscal burdens can be transformed in a short time into a decline in business investment and a decline in the country's economic growth. However, if enterprises switched their business concepts to the production of better-quality goods and characterized by a longer period of usefulness and functioning in the product and service life cycles, then it would be possible to reduce the use of resources and reduce the negative external effects of industrial development. In addition, the state from the collected additional pro-environmental taxes would provide public goods that would improve the level and living conditions of citizens, therefore there would be opportunities to better use and perhaps reduce spending on some other departments providing public goods such as public safety, administrative, health, etc. In the longer term, economic development would take place in a slightly different macroeconomic balance and with a slowdown in economic growth. However, this mentioned issue of exempting economic growth would no longer be negative.
In view of the above, I am asking you:
Should the development of industry be burdened with additional environmental taxes in order to finance the development of energy based on renewable energy sources and reclamation of a devastated natural environment?
Please reply. I invite you to the discussion
Analysis of the effectiveness of commercial banks' functioning and research into the sources of the financial crisis The basic data used to determine the effectiveness of commercial banks are included in the banks' financial statements. these data relate to the bank's involvement in specific active transactions, necessary to determine the quality of the loan portfolio, to determine the quality of credit, operational, liquidity, debt, operational risk management processes, etc. An IT risk analysis should be added to this. In addition, financial statements also include data to calculate the deposit security ratio, profitability of individual categories of assets and use of available financial resources. This type of data should be combined with individual categories of estimated risk levels measured in correlation to the involvement in individual active operations. However, in the case of the analysis of the investment bank's effectiveness, it should additionally include an analysis based on risk assessment models for investment in derivatives and other capital market instruments. In this regard, many banking procedures were previously unreliably carried out which generated very high levels of credit risks and caused huge financial losses, eg in the Lehman Brothers investment bank, bankruptcy of this bank and the beginning of the global financial crisis in mid-September 2008. I researched this problem and in my publications I confirmed that it is possible to combine the question of the reliability of banking procedures implemented in the area of risk management with sources of financial crises. I invite you to the discussion
Unethical business practices in finance
Unethical business practices operate in different countries to varying degrees and participate in economic processes.
For many entities, market participants, business partners and consumers, they generate additional costs.
They can also be a source of gray economy growth, including avoiding paying taxes.
Thus, there are social costs for individual entities and financial for the entire economy.
on the capital markets, one of unethical business practices is, for example, insider trading, ie the use of confidential information by decision-makers with access to confidential information used to conduct transactions to purchase or sell financial instruments, including securities or other securities or other capital markets.
In individual countries, there are various instruments to combat the use of unethical business practices, the shadow economy, etc.
The effectiveness of individual normative solutions, the scale of restrictions applied, and the business mentality of market participants, entrepreneurs and businessmen are different.
Another mentality is related to the level of awareness regarding corporate social responsibility.
In individual countries, social campaigns are carried out suggesting the legitimacy of developing concepts based on corporate social responsibility.
I invite you to the discussion
In the field of banking and finance, I suggest research in the field of verifying the correlation analysis of improving credit risk management processes and the likelihood of the emergence of another global financial crisis.
In banking and finance, I suggest the following issues, theses and research questions: I propose scientific research to verify the correlation analysis of improving credit risk management processes and the likelihood of the next global financial crisis.
In order to clarify this correlation, I suggest taking up research to answer the following research questions:
- Does improving credit risk management processes reduce the likelihood of the next global financial crisis?
Over 10 years have passed since the appearance of the previous global financial crisis in 2008.
- Has the operation of investment banks been sufficiently improved in this period in transactions in credit, derivative and securities markets to such an extent that the risk of another global financial crisis appearing is much lower than over 10 years ago?
The improvement of specific risk management systems is particularly important in many areas of functioning of commercially operating business entities, financial institutions, public institutions as well as conducting investment, research and other projects. How important it is, for example, it was shown by the global financial crisis that appeared in mid-September 2008, when certain financial, investment and credit risk management systems were not properly improved and investment procedures, including credit procedures, were not reliably implemented. as well as customer service, and breaking the rules of business ethics in investment banks operating at that time and many other types of financial institutions and business entities.
- Or maybe the real economy has already accumulated too large boom factors that mean a permanent, long-term slowdown in economic growth in at least the next few years and the crisis is inevitable despite the improvement of transaction procedures in banks and the improvement of the credit risk management process?
- Does any of you examine this issue in the context of analyzing sources, factors of financial and economic crises?
I am researching this issue and invite you to cooperation. I described the results of my research in scientific publications that are available on the Research Gate portal.
Thank you very much
Best wishes
Dariusz Prokopowicz
I think one option may be bitcoin, see: https://www.researchgate.net/post/How_can_ecology_be_profitable
I propose research on the impact of the development of the Coronavirus pandemic on the global economy and on the economies of individual countries as well as specific economic policies and their potential anti-crisis strategies to counteract the development of the economic crisis.
Regards
Dariusz Prokopowicz
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