Why do community banks not want Wal-Mart to be in the banking business? What are the possible benefits to Wal-Mart of such move? What drawback to community bankers anticipates if Wal-Mart can operate full-scale bank in the United States?
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- Why do community banks not want Wal-Mart to be in the banking business? What are the possible benefits to Wal-Mart of such move? What drawback to community bankers anticipates if Wal-Mart can operate full-scale bank in the United States?
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- The US has a large number of commercial banks due to what circumstances? a. many investor wanted to be in banking b. there is good banking competition in the US c. Capital requierements mandated the need for many banks d. Laws restricting interstate bankingYou have studied the application of partnership, sale and purchase, and rental based Islamic financial products in Islamic banks. In contrast, you have also studied the functioning of conventional banks. Your task is to give your personal reflection on: i. Is Islamic banking really different?ii. Which banking side is good for our economy? Why?What are the reasons SMEs in Zambia face challenges with access to finance? Are these reasons different for large Zambian businesses? What kinds of financial products can help SMEs?
- What are the possible arguments for setting up a firewall between investment banks and commercial banks? Do you think a firewall between investment banks and commercial banks can prevent a financial crisis like the subprime loan crisis? Elaborate your answersWhy are some entrepreneurs hesitant to avail of commercial bank loans? Why do some of them resort to social bricolage, in terms of financing their business?Why might customers of big banks be reluctant to moveto a credit union?
- Suppose a friend of yours asks you about Islamic banking and he does not believe in Islamic banking as he is on the view that Islamic banks use KIBOR rate while taking profit which is the interest based benchmark of conventional banks moreover Islamic Banks also receive extra money from their customers in case where they make delay in payment. Required: How will you satisfy your friend by answering these two questions?What are the basic arguments for increasing capital requirements at large commercial banks? In what ways will depositors, stockholders, and society in general benefit? How might each group be disadvantaged? As commercial banks enter new lines of business such as brokerage, how much additional capital should be required? Should these new lines of business be insured by the FDIC? Why or why not? Give examples from today’s financial marketplace.What are the advantages and disadvantages of direct lending for the bank? How are banks reducing the effect of the disadvantages?
- Examine the processes for the acquisition of licence by Banks and other financial institutions in Ghana establishing the role of the regulator in this industry. In your opinion, do we still need a regulator if the banks are collapsing anyway?Minimum capital requirement is a popular tool for bank regulation around the world. Some commented argue for differential capital requirements with the size and the systemic importance of financial institutions as the key discriminating factor. What are the basic arguments for increasing capital requirements at large commercial banks? In what ways will depositors, stockholders, and society in general benefit? How might each group be disadvantaged? As commercial banks enter new lines of business such as brokerage, how much additional capital should be required? Should these new lines of business be insured under a depository insurance scheme? Why or why not? Give examples from today's financial marketplace.There has been concerns among businesses that the recent reductions in the NIPR has not led to significant decreases in bank lending rates. What do you think could be accounting for this? What additional measures can policy-makers undertake to reduce the Cost of borrowing in the country?