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Dissertations / Theses on the topic 'E-finance'

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Published: 4 June 2021
Last updated: 5 February 2022

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1

Haddad, Achraf. "E-finance, Entrepreneurship and Economic Growth in Developing Countries." Thesis, Södertörns högskola, Nationalekonomi, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:sh:diva-35506.

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2

Jiao, Yang. "Applications of artificial intelligence in e-commerce and finance." Thesis, Evry, Institut national des télécommunications, 2018. http://www.theses.fr/2018TELE0002/document.

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L'Intelligence Artificielle est présente dans tous les aspects de notre vie à l'ère du Big Data. Elle a entraîné des changements révolutionnaires dans divers secteurs, dont le commerce électronique et la finance. Dans cette thèse, nous présentons quatre applications de l'IA qui améliorent les biens et services existants, permettent l'automatisation et augmentent considérablement l'efficacité de nombreuses tâches dans les deux domaines. Tout d'abord, nous améliorons le service de recherche de produits offert par la plupart des sites de commerce électronique en utilisant un nouveau système de pondération des termes pour mieux évaluer l'importance des termes dans une requête de recherche. Ensuite, nous construisons un modèle prédictif sur les ventes quotidiennes en utilisant une approche de prévision des séries temporelles et tirons parti des résultats prévus pour classer les résultats de recherche de produits afin de maximiser les revenus d'une entreprise. Ensuite, nous proposons la difficulté de la classification des produits en ligne et analysons les solutions gagnantes, consistant en des algorithmes de classification à la pointe de la technologie, sur notre ensemble de données réelles. Enfin, nous combinons les compétences acquises précédemment à partir de la prédiction et de la classification des ventes basées sur les séries temporelles pour prédire l'une des séries temporelles les plus difficiles mais aussi les plus attrayantes : le stock. Nous effectuons une étude approfondie sur chaque titre de l'indice S&P 500 en utilisant quatre algorithmes de classification à la pointe de la technologie et nous publions des résultats très prometteurs
Artificial Intelligence has penetrated into every aspect of our lives in this era of Big Data. It has brought revolutionary changes upon various sectors including e-commerce and finance. In this thesis, we present four applications of AI which improve existing goods and services, enables automation and greatly increase the efficiency of many tasks in both domains. Firstly, we improve the product search service offered by most e-commerce sites by using a novel term weighting scheme to better assess term importance within a search query. Then we build a predictive model on daily sales using a time series forecasting approach and leverage the predicted results to rank product search results in order to maximize the revenue of a company. Next, we present the product categorization challenge we hold online and analyze the winning solutions, consisting of the state-of-the-art classification algorithms, on our real dataset. Finally, we combine skills acquired previously from time series based sales prediction and classification to predict one of the most difficult but also the most attractive time series: stock. We perform an extensive study on every single stocks of S&P 500 index using four state-of-the-art classification algorithms and report very promising results
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3

He, Fang. "DECISION FACTORS FOR THE ADOPTION OF E-FINANCE AND OTHER E-COMMERCE ACTIVITIES." Available to subscribers only, 2009. http://proquest.umi.com/pqdweb?did=1791777521&sid=7&Fmt=2&clientId=1509&RQT=309&VName=PQD.

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Thesis (Ph. D.)--Southern Illinois University Carbondale, 2009.
"Department of Management." Keywords: E-commerce, E-finance, Information technology adoption, Online banking, Online payment, Online shopping. Includes bibliographical references (p. 172-191). Also available online.
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4

Azevedo, Cristiane. "O modelo vendor finance e o mercado de tecnologia da informação." reponame:Biblioteca Digital de Teses e Dissertações da UFRGS, 2010. http://hdl.handle.net/10183/25197.

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O modelo de negócio vendor finance é tomado aqui como ponto de partida para o estudo do movimento de expansão do Banco De Lage Landen para o mercado de tecnologia da informação (TI). Foram analisadas as principais características do modelo de negócio, suas capacidades essenciais e posicionamento competitivo. Com base nesta análise inicial, foram efetuadas entrevistas com compradores corporativos de equipamentos de TI. Através das entrevistas foram identificadas características muito específicas deste mercado, que se diferencia substancialmente dos mercados até o momento atendidos pelo Banco De Lage Landen. O mercado de TI se mostrou um mercado muito dinâmico. Alguns fatores estão em constante mudança, como: os produtos, os fornecedores, as formas de atender a mesma necessidade e a própria estrutura do mercado. Algumas das características identificadas serão cruciais para a estratégia de entrada do Banco De Lage Landen neste mercado.
The vendor finance business model is taken here as a starting point for studying the movement of expansion of the De Lage Landen Bank to the information technology (IT) market. The main characteristics of the business model were analyzed, its key capabilities and competitive position. Based on this initial analysis interviews with corporate buyers of IT equipment were conducted. Through the interviews specific characteristics of the market were identified, which differs substantially from the market served by De Lage Landen until now. The IT market has proved to be a very dynamic market. Some factors are constantly changing, like the products, suppliers, ways to meet the same need and the very structure of the market. Some of the features identified will be crucial to the entry strategy of De Lage Landen in the market.
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5

STOPPANI, LAVINIA. "Saggi di corporate finance e banking: vincoli al credito, intervento pubblico e performance delle imprese." Doctoral thesis, Università Cattolica del Sacro Cuore, 2017. http://hdl.handle.net/10280/18682.

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La tesi contiene due saggi sull'economia delle politiche pubbliche a sostegno dell'accesso al credito per le piccole e medie imprese. Il primo valuta l'impatto netto sulla disponibilità e il costo del credito e sulle performanec delle imprese del più grande schema di garanzie pubbliche al credito in Italia. Il secondo indaga empiricamente gli effetti distorsivi della politica e i costi che ne derivano, con particolare focus sull'eterogeneità a livello di banca e di impresa.
The dissertation deals with the role of public policy in support of firms' access to credit. It is composed of two essays. The first is an evaluation of the net effect of an Italian public credit guarantee scheme in support of PMIs. The impact evaluation assesses financial outputs such as credit availability and conditions, as well as economic outputs such as firms' performance. The second essay empirically investigates how the presence of asymmetry of information can affect the output of these policies at the bank and firm level.
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6

Taylor, Matthew. "The Centralization of Bitcoin: The Long-Run Economics of Bitcoin Mining." Scholarship @ Claremont, 2014. http://scholarship.claremont.edu/cmc_theses/834.

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The Bitcoin currency relies on a transaction verification system run by a decentralized network of miners. This paper evaluates the long-term economic stability of Bitcoin mining. Specifically, I analyze the incentive structure surrounding transaction fees, which are part of the reward miners earn for verifying transactions in the Bitcoin network. My method of investigation is to first construct a visual model representing miner incentives, then input current and estimated data into that model, and finally determine how individual miners and pools will behave based on the key variables included in the model and industry trends. I conclude, under the current protocol rules, Bitcoin mining is not economically sustainable in the long-term due to the impending centralization of the network. Centralization in itself will not necessarily destroy the network. However, it will lead to unsatisfactory outcomes that will greatly lower the value of the entire system. Therefore, I recommend two potential solutions to the centralization issue, namely the requirement of either P2Pools or a proof-of-stake mechanism. The development of future applications on the Bitcoin protocol depends on the success of the Bitcoin currency application. These future technologies, along with the Bitcoin currency, have the potential to disrupt many industries. But, if miner incentives are not aligned with maintaining decentralization, then none of this potential will be realized.
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Souza, Camila Rossi Vianna de. "Avaliando questionários de risco e o comportamento do investidor sobre a ótica de behavioral finance." reponame:Repositório Institucional do FGV, 2005. http://hdl.handle.net/10438/299.

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Financial risk tolerance is assumed to be a fundamental issue underlying a number of financial decisions. For this reason, researchers have long been interested in understanding the relationship between personal financial risk tolerance and factors as diverse as life cycle and asset allocation decisions. The risk questionnaire is therefore one of the instruments available, but there are few, if any, generally recognized instruments designed to ascertain someone’s financial risk tolerance or preference. This paper objective is to evaluate three risk assessment questionnaires from different institutions but with a behavioral finance focus. The behavioral finance perspective show us the psychological aspects of the investor that arise when people form beliefs and preferences. By knowing how the investor behaves, the financial consultant may try to educate and bring the investor back to a rational portfolio decision. The modern theory of finance also highlights that investors preferences – in particular impatience and aversion to risk – do influence optimal portfolios. Having that in mind, on of the roles of the financial consultant is to understand how investors forms their preferences, so they may help investors making optimal portfolio decisions in the long run.
Tolerância ao risco é fundamental quando se tomam decisões financeiras. No entanto, a avaliação da tolerância ao risco tem se baseado ao longo dos anos em diferentes metodologias, tais como julgamentos heurísticos e a teoria da utilidade esperada que tem como base a hipótese dos mercados eficientes. Foi dentro desta ótica que este trabalho se desenvolveu. O objetivo é analisar três diferentes questionários de avaliação ao risco que são na prática amplamente utilizados por consultores financeiros. Foi assumido para isso que os investidores são considerados racionais, conhecem e ordenam de forma lógica suas preferências, buscam maximizar a 'utilidade' de suas escolhas, e conseguem atribuir com precisão probabilidades aos eventos futuros, quando submetidos a escolhas que envolvam incertezas. No entanto, em uma análise preliminar dos questionários, estes poderiam estar utilizando conceitos de behavioral finance para avaliarem a tolerância ao risco, ao invés de utilizarem somente a metodologia tradicional da teoria da utilidade esperada. Dessa forma tornou-se necessário o estudo dos conceitos de behavioral finance. O primeiro capítulo então trata dos aspectos psicológicos do investidor, procurando entender como este se comporta e como este forma suas preferências. Apesar do estudo assumir racionalidade nas decisões, se a teoria de behavioral estiver correta e os investidores apresentarem desvios a racionalidade, como a teoria prospectiva afirma, o questionário poderia ser o veículo ideal para identificar tais desvios, sendo possível então educar e orientar o indivíduo em suas escolhas financeiras, afim de maximizá-las. O capitulo dois coloca a análise dos questionários inserida no contexto da teoria moderna de finanças, falando das escolhas de portfólio para investidores de longo prazo. O capítulo mostra de forma bem resumida e simplificada como o investidor maximiza a sua utilidade da riqueza. A idéia desse capítulo é entender como alguns julgamentos heurísticos assumidos na prática por consultores financeiros afetam as escolhas de portfólio e em quais condições esses julgamentos heurísticos são verdadeiros. Isso se torna importante pois os questionários mesclam medidas de risco com horizonte de investimentos do investidor. Estes questionários são utilizados para traçar uma política de investimentos completa para o investidor. Para cada perfil de risco encontrado a instituição traça um modelo de alocação de portfólio. O capítulo três trata da avaliação dos questionários em si tendo como base a teoria da utilidade esperada, os conceitos de behaviral finance e as lições tiradas das escolhas de portfólio para investidores de longo prazo.
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8

Coelho, Jaison Ricarddo. "Project finance e assimetria de informação: uma análise dos efeitos sobre os spreads dos financiamentos." reponame:Repositório Institucional do FGV, 2016. http://hdl.handle.net/10438/16871.

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Project Finance provides funds to finance large and capital intensive projects. It has numerous participants involved in the structuring process and a high Debt/Equity ratio. Theory suggests that sharing information among participants contributes to reduce agency costs. The complex contractual web, present in Project Finance, plays an important role in the sharing. Thus, it is responsible for delimitating the relationship among agents. This paper analyses the impact that the presence of some participants could have over the financing spreads, in a sample with 1.114 projects from 89 countries signed between 01/2001 and 03/2016. The focus of the discussion is to understand if Projects Finance with sponsors linked with the government of the local of the investment, or foreign sponsors; or even if in the presence of special lenders, like government and development banks, or multilateral agencies, features lower spreads. Another issue analyzed is the difference between Project Finance used in concession projects under build-own-operate – BOO contracts and build-operate-transfer – BOT. The results show evidences that projects under BOO contracts present lower spreads and projects without concession contracts present higher spreads than operations under BOO or BOT.
Project Finance se destaca como uma fonte de captação de recursos para financiar a execução de grandes projetos intensivos em capital. Possui, dentre suas características, um grande número de participantes envolvidos em sua estruturação e alta taxa de participação de capital de terceiros para financiar a execução do projeto. A teoria sugere que o compartilhamento de informações entre os diversos participantes da estruturação do projeto contribui para a redução de custos de agência. Parte importante nesse compartilhamento é exercida pela complexa estrutura contratual que reveste estas operações, responsável por delimitar as relações entre as partes envolvidas. Este trabalho analisa o impacto que a presença de determinados participantes pode ter nos spreads das operações de financiamento, em uma amostra de 1.114 operações de 89 países contratadas entre 01/2001 e 03/2016. A discussão é centrada em entender se as operações de Project Finance que possuam, entre seus participantes, agentes figurando como patrocinadores ligados ao governo do local do investimento ou de outra nacionalidade; ou ainda a participação de financiadores como bancos de desenvolvimento ou de controle estatal e das agências multilaterais apresentam spreads menores. Outra questão analisada é a diferença entre as operações de Project Finance em concessões que operam sob contratos do tipo build-own-operate – BOO e build-operate-transfer – BOT. Os resultados trazem evidências que as operações sob contratos BOO apresentam spreads inferiores e as operações sem contratos de concessão apresentam spreads superiores às operações sob contratos do tipo BOO ou BOT.
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Topo, Cristina. "Marketing Automation e Multichannel Marketing Hubs. Il caso Arlanis Reply: l’implementazione Marketing Cloud in ambito Finance." Master's thesis, Alma Mater Studiorum - Università di Bologna, 2020.

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Viviamo in un mondo in cui il cambiamento costante è l’unica certezza; un cambiamento che si ripercuote in ogni aspetto della vita dell’uomo. In questo contesto, caratterizzato anche dalle mutevoli complessità del business, per stare al passo con questi cambiamenti e per svolgere in futuro un ruolo chiave nel panorama internazionale, anche le aziende dovranno adattarsi e, in particolare, il volto della funzione di marketing dovrà cambiare di conseguenza. Lo scopo di questa tesi è proprio andare a investigare questo adattamento al cambiamento da parte delle aziende: in che modo è cambiato il loro modo di fare Marketing e approcciarsi al consumatore, in che modo la digitalizzazione ha influenzato, supportato e cambiato il business plan aziendale e, in un certo qual modo, la vita stessa del marketer da un lato e del consumatore dall’altro. Nel corso del lavoro, verrà data particolare importanza all’ambito dei Financial Services, un settore che solo recentemente si è affacciato alle nuove soluzioni rese disponibili dalla tecnologia, per poi focalizzarsi sulle piattaforme che supportano questi nuovi trend di mercato. Infine sarà presentato uno use-case relativo all’utilizzo della piattaforma di Marketing Cloud (connessa a Service e Sales Cloud) per rispondere alle esigenze di un’azienda operante nell’ambito dei Financial Services. L’obiettivo di quest’ultima è quello di passare da una situazione AS-IS in cui sono presenti un sistema dedicato per la gestione dei lead, MS Dynamics e soluzioni locali per il CRM, ad una soluzione TO-BE in cui verrà implementato Salesforce in tutti i paesi in cui essa opera, con una nuova piattaforma CRM comprensiva di Lead Management System, Marketing Automation e Customer Care.
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Ying, Weir Information Systems Technology &amp Management Australian School of Business UNSW. "Design methodology for ontology-based multi-agent applications (MOMA)." Awarded By:University of New South Wales. Information Systems, Technology & Management, 2009. http://handle.unsw.edu.au/1959.4/40717.

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Software agents and multi-agent systems (MAS) have grown into a very active area of research and commercial development activity. There are many current emerging real-world applications spanning multitude of diverse domains. In the context of agents, ontology has been widely recognised for their significant benefits to interoperability, reusability, and both development and operational aspects of agent systems and applications. Ontology-based multi-agent systems (OBMAS) exploit these advantages in providing intelligent and semantically aware applications. In addressing the lack of support for ontology in existing methodologies for multi-agent development, this thesis proposes a design methodology for the building of such intelligent multi-agent applications called MOMA. This alternative approach focuses on the development of ontology as the driving force of the development process. By allowing the domain and characteristics of utilisation and experimentation to be dictated through ontology, researchers and domain experts can specify the agent application without any knowledge of agent design and lower level programming. Through the use of a structured ontology model and the use of integrated tools, this approach contributes towards the building of semantically aware intelligent applications for use by researchers and domain experts. MOMA is evaluated through case studies in two different domains: financial services and e-Health.
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Pileggi, Fulvio Carlos. "Identificação e análise dos riscos de um projeto de project finance, sob a ótica do financiador, para uma usina de açúcar e álcool." reponame:Repositório Institucional do FGV, 2010. http://hdl.handle.net/10438/8144.

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O setor sucroalcooleiro que, historicamente, já apresentava um alto nível de endividamento, teve sua liquidez piorada quando a crise do subprime americana se instalou em meados de 2008. Apesar do movimento de concentração do setor através de fusões e aquisições e da entrada de grandes players internacionais, a capacidade de investimento do setor continua comprometida. As empresas possuem seus balanços já bastante comprometidos com financiamentos passados e os sócios não conseguem investir em vários projetos ao mesmo tempo. Dentro desse contexto, o Financiamento Estruturado ou Project Finance, como é conhecido, é uma opção muito interessante a ser explorada. Este trabalho tem como objetivo identificar os riscos mais relevantes envolvidos em um financiamento via Project Finance, para uma Usina de Açúcar e Álcool sob a ótica do financiador. É também propósito deste trabalho propor mecanismos de mitigação para esses riscos. Serão apresentados os principais riscos identificados sob a ótica do financiador, os mecanismos para mitigá-los, bem como a apresentação de matrizes de riscos com a contribuição de cada participante. Será considerada para análise uma usina modelo com capacidade de moagem entre 2,5 e 3,0 milhões de toneladas de cana por ano localizada na região centro-oeste do Brasil. Esta análise se baseia em um caso real.
The ethanol and sugar sector, which has historically had a high level of debt, had its liquidity worsened when the U.S. subprime crisis was installed in mid-2008. Despite the movement towards concentration in the sector through mergers and acquisitions and the entry of large international players, the ability to invest in the sector remains jeopardized. Companies have their balance sheets already very committed to funding and are unable to invest in several projects simultaneously. Within this context, Project Finance, as it is known, is a very interesting option to be explored. This work aims to identify the most relevant risks involved in financing a sugar and ethanol plant through a Project Finance from the view of the lenders. It is also the purpose of this study to propose mechanisms to mitigate these risks. The study will present the main risks identified from the perspective of the lender, the mechanisms to mitigate them and the presentation of risk matrices with the contribution of each participant. For the analysis model plant will be considered with crushing capacity of between 2.5 and 3.0 million tons per year located in the central-west of Brazil. This analysis is based on a real case.
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COSTA, Paulo Ricardo da. "Inova????o no ensino e aprendizagem em finan??as: an??lise da literatura entre 2005 e 2015." FECAP, 2015. http://tede.fecap.br:8080/jspui/handle/jspui/699.

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In 2012, according to Census conducted by the ???InstitutoNacional de Estudos e PesquisasEducacionaisAn??sio Teixeira??? (INEP)(2012), Brazil had 2,416 IES and more than seven million students enrolled. Only considering the Administration, Accounting and Economics courses (examples of courses in which finance subjects are taught), more than two thousand and six hundred courses were identified. There is a lack of research focused on teaching and learning in finance, hence this study explores innovation in teaching and pedagogical practices of education in finance. Considering the shortage of articles published in Portuguese about this subject, it was decided to carry out a bibliometric analysis in two international journals from 2005 to 2015. With 83 selected articles that are directly related to the theme, the main results show: (i) not necessarily the process of innovation in teaching and learning of finance is linked directly to the use of technological methods, Cognitive and Humanist approaches are linked to pedagogical techniques that can be used inside or outside the classroom; (ii) in this study the authors mostly used by researchers are presented, also demonstrates techniques like: Learning in Practice, Teamwork, Using Spreadsheets, Online tools, among others as the most used by researchers; (iii) in this study are presented teaching techniques, but without qualifying which technique is better or worse, but to show that there are innovative approaches that teachers, university administrators and other interested in the topic can apply with students.
Em 2012, de acordo com Censo realizado pelo Instituto Nacional de Estudos e Pesquisas Educacionais An??sio Teixeira (INEP)(2012) o Brasil tinha 2.416 IES e mais de sete milh??es de alunos matriculados. Somente considerando os cursos de Administra????o, Ci??ncias Cont??beis e Ci??ncias Econ??micas (exemplos de cursos nos quais as mat??rias de Finan??as s??o ensinadas), foram identificados mais de dois mil e seiscentos cursos. Existe escassez de pesquisas voltadas para ensino e aprendizagem em finan??as,consequentemente, este estudo explora a inova????o nas pr??ticas did??ticas e pedag??gicas do ensino em finan??as.Considerandoa escassez de artigos em l??ngua portuguesa publicados sobre o tema, optou-se por realizar uma an??lise bibliom??trica em dois peri??dicos estrangeiros no per??odo de 2005 a 2015. Com 83 artigos selecionados que est??o relacionados diretamente com o tema, os principais resultados apontam: (i) n??o necessariamente o processo de inova????o no ensino eaprendizagem de finan??as est?? ligado diretamente ?? utiliza????o de m??todos tecnol??gicos, encontram-se as abordagens Cognitivista ou Humanista que est??o ligadas ?? utiliza????o de t??cnicas pedag??gicas dentro ou fora da sala de aula; (ii) neste estudo, s??o apresentados os autores mais utilizados pelos pesquisadores edemonstram-se, tamb??m, t??cnicas como: Aprendendo na Pr??tica, Trabalho em Equipe, Utiliza????o de Planilhas Eletr??nicas, Ferramentas Online, entre outras, como sendo as mais utilizadas pelos pesquisadores; (iii) neste estudo. s??o apresentadas t??cnicas de ensino, por??m, sem qualificar qual t??cnica ?? a melhor ou pior, e sim demonstrando que existem abordagens inovadoras que professores, gestores universit??rios ou outros interessados no tema podem aplicar com os alunos.
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Aschan, Robert, and Mathias Gustafsson. "Relativvärdebaserad investeringsstrategi i industriföretag : Fungerar det och varför kan det fungera?" Thesis, Linköpings universitet, Institutionen för ekonomisk och industriell utveckling, 2011. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-72840.

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Flera tidigare studier har visat att det går att generera överavkastning genom att investera i aktier baserat på olika nyckeltal. Genom relativvärdering ställs företag i relation mot varandra för hitta indikationer på under- eller övervärdering. För att bidra ytterligare till den redan existerande forskningen fokuserar författarna till studien på en specifik bransch, industribranschen. Genom en branschindelning bör jämförbarheten öka mellan nyckeltal. Syftet med studien är att undersöka huruvida det är möjligt att generera överavkastning genom att investera i undervärderade aktier i industribranschen enligt nyckeltalen P/E, DY och P/BV. Resultatet kommer att härledas till och diskuteras utifrån teorier inom Behavioral Finance, för att förstå och förklara resultatet. Undersökningen baseras på en kvantitativ metod där tre nyckeltal har undersökts. Fem portföljer har skapats för respektive nyckeltal under tidsperioden 2001-2010. Vidare har allmänt publicerade rekommendationer samt förändringar i nyckeltalen i extremportföljerna undersökts för att bidra till en underliggande förklaring av resultatet. Studiens resultat stödjer tidigare forskning och vi kan visa att samtliga värdeportföljer presterar bättre än motsvarande tillväxtportföljer för de tre nyckeltalen. Störst överavkastning ger portföljer baserat på ett lågt P/BV. Vi har kunnat statistiskt säkerställa överavkastning mellan värde- och tillväxtportfölj för nyckeltalen P/E och P/BV. Effekten existerar alltså även i en specifik bransch och industribranschen visade upp en starkare effekt än tidigare studier där hela marknaden har undersökts. Vidare drar vi slutsatsen att överoptimistiska analyser leder till för höga förväntningar och i kombination med ett flockbeteende bland investerare är detta en förklarande faktor till studiens resultat.
Previous studies have shown the possibility to generate excess returns through investing in stocks based on multiples. A strategy called relative valuation, where companies are compared to one another, aims to find signs of under- or overvaluation. To support existing research, the authors of this study focus on a specific sector, the industrial sector. Supposedly by focusing on one sector the comparability improves. The purpose of the study is to investigate whether it’s possible to generate excess return through investing in undervalued stocks in the industrial sector, according to the multiples P/E, DY and P/BV. Theories from Behavioral Finance will be used to explain, and understand, the result. The study is based on a quantitative method to examine three multiples. During the period 2001-2010 five portfolios were created for each multiple. Publically published recommendations and the change in multiples for the outlying portfolios have been examined to support the explanation for the results. This study supports previous research and shows that, according to the three used multiples, value portfolios perform better than corresponding growth portfolios. The portfolio based on a low P/BV achieves the highest excess return. We can statistically prove that the value portfolios for P/E and P/BV achieve excess returns over their corresponding growth portfolios. The anomaly also exists in a specific sector and the industrial sector proved to have a stronger effect compared to previous studies with a full market research. We can also see that the analyses are overly optimistic and that this leads to high expectations. This in combination with the behavior of herding is a factor explaining the result of the study.
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14

Rampazo, Filho José Luiz. "Financiamento dos investimentos em infra-estrutura no Brasil: o Project Finance como alternativa." Pontifícia Universidade Católica de São Paulo, 2006. https://tede2.pucsp.br/handle/handle/9286.

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Os investimentos em infra-estrutura são fundamentais para o desenvolvimento sócio-econômico de um país. Historicamente nos países em desenvolvimento esses investimentos têm sido feitos pelo setor público. No entanto, a partir da década de 70, com as seguidas crises financeiras que assolaram esses países, o setor público comprometeu totalmente sua capacidade de financiar esse tipo de investimento. A saída encontrada para esses governos diante do esgotamento desse modelo de financiamento foi uma mudança de papel do Estado de gestor e executor desses investimentos para simples regulador. Isso se deu pela transferência de ativos estatais para o setor privado através dos programas de privatização. Aliado a isso, as transformações estruturais no sistema financeiro internacional têm levado ao fortalecimento do mercado de capitais em várias partes do mundo, proporcionando a busca por novas formas de investimentos. E é nesse contexto que o Project Finance se enquadra. No Brasil, essa tendência não foi diferente. A partir do final dos anos 70 e começo da década de 80, houve queda dos investimentos públicos em infra-estrutura, e a descentralização fiscal iniciada nos anos 80 levou aos governos locais novas responsabilidades sócio-econômicas com escassez de recursos orçamentários. Esse trabalho tem a finalidade de analisar a viabilidade do Project Finance como um mecanismo facilitador para os municípios financiarem os investimentos em infra-estrutura tão importantes para seus habitantes. O caso estudado do setor de saneamento básico no município de Ribeirão Preto verificou quais são as vantagens e desvantagens de uma operação de Project Finance no Brasil, levando em consideração o arcabouço institucional aqui presente. Além disso, foi possível detectar como o setor privado atua em operações de infra-estrutura com recursos públicos, prática que ao nosso ver deveria ser mudada
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15

Kim, Minjoo. "Surviving in an Amazon World: Is Amazon.com's Real Estate Strategy in the Inland Empire Sustainable?" Scholarship @ Claremont, 2016. http://scholarship.claremont.edu/scripps_theses/748.

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Amazon continues to introduce and establish revolutionary online retail market standards, reflective of their fundamental business philosophy of providing customers compelling value with an emphasis on long-term profitability and capital management. Amazon’s strategic real estate decision to choose the Inland Empire for its fulfillment centers suggests a high level of confidence in the region. By applying theories from Nourse, Roulac and Porter, greater understanding for Amazon’s value chain and competitive advantage, as well as variables for Inland Empire’s appeal will be analyzed. In addition, local market data compiled by commercial real estate services companies will be used to determine the effectiveness and sustainability of Amazon’s real estate strategy in the Inland Empire.
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16

Limbach, Peter [Verfasser], and M. E. [Akademischer Betreuer] Ruckes. "The Role of Reputation in Corporate Finance: Evidence from Corporate Bonds, Delegated Monitoring, and Corporate Name Changes / Peter Limbach. Betreuer: M. E. Ruckes." Karlsruhe : KIT-Bibliothek, 2012. http://d-nb.info/1019790148/34.

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17

Gibson, James B. "Three Essays on Fiscal Stress and Financial Stability in State Government Finance." UKnowledge, 2013. http://uknowledge.uky.edu/msppa_etds/4.

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State government finance is a substantial endeavor in the United States. The management of a multitude of revenues and expenditures often involves some level of fiscal stress. In an age of increased public scrutiny, policymakers must be mindful of possible causes of fiscal stress, and the policy options available to mitigate fiscal stress and increase financial stability. This dissertation contains three essays that examine different elements of fiscal stress, and in some cases, the applicable policy responses. Chapter two examines rainy day funds and their countercyclical goal of reducing recessionary fiscal stress. This essay takes a different approach from much of the literature, by using forecast residuals to quantify fiscal stress as tax revenue volatility and searching for any relationship between rainy day funds and states that had greater volatility. Empirical results indicate states that experience positive residuals, that is actual tax revenues greater than the forecast trend line, had greater rainy day fund balances. Chapter three focuses on the problem of lost revenues facing states from e-commerce. Due to Supreme Court decisions, businesses that do not have a physical location, or nexus, in a state are not required to collect sales and use taxes. To date, the policy response to lost revenue that has gained the most traction is the Streamlined Sales and Use Tax Agreement. Results indicate that states with local option sales taxes and higher sales tax rates were more likely to adopt this agreement. Chapter four scrutinizes state unemployment trust funds, which are used to fund state unemployment insurance programs. If state funds run short of money during recessions due to the larger number of individuals drawing benefits, then states must borrow from the federal government’s unemployment trust fund. This creates another liability that must be managed by state governments. Empirical findings show that several features of programs affect balances and the probability of taking a loan from the federal fund including the taxable wage base, weekly benefits, and unemployment tax rates. This dissertation concludes by summarizing the results and exploring future research possibilities on the three essay topics.
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18

Castro, Lavinia Barros de. "Financiamento do desenvolvimento: teoria, experi?ncia coreana (1950-80) e reflex?es comparativas ao caso brasileiro." Universidade Federal Rural do Rio de Janeiro, 2006. https://tede.ufrrj.br/jspui/handle/tede/681.

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The purpose of this work is to analyze investment finance in economic development. The central hypothesis of this study is that the Korean and Brazilian financial structure offers us an important key to understand their swift to industrialization during the period 1950-80. Numerous comparisons have been made between Brazil and Korea, most of them stressing the differences and similarities of the industrial development (catch up). Few analyses emphasizes (and compare) the evolution of financial systems. Also, most treatments of finance are static, missing the Gerschenkronian developmental perspective which would tell us that a credit system based in equity and securities markets is an artifact of early industrialization (as it is the case of England and U.S industrialization), and that the model of state or bank-influenced industrialization is a consequence of lateness vis-?-vis the absence of abundant capital in the private sector. This thesis is organized in four different and independent articles. Article I is a review on the literature about investment finance. Article II examines Korean economic and financial development during the period 1950-80. The third article is a shorter essay, presenting a panel data model to test the relevance of banking finance in explaining economic growth in the case of Korea during the 1950s and the 1960s. Finally, the fourth compares Brazilian and Korean development outcomes (1950-80) in a broad sense. Together, the articles form a set that discusses the needs and challenges of investment finance in economic development, using two late-late-comers experiences.
O objetivo desta tese ? analisar o processo de financiamento do desenvolvimento em duas experi?ncias de industrializa??o tardia. A hip?tese central deste estudo ? que as estruturas financeiras da Cor?ia e do Brasil desempenharam um papel fundamental na transforma??o de economias de base agr?cola para economias de base industrial, ao longo do per?odo 1950-80. Diversas compara??es j? foram feitas entre o desenvolvimento industrial brasileiro e coreano, enfatizando o processo de catch up. Poucas an?lises, por?m, enfatizam e comparam a evolu??o dos sistemas financeiros. Al?m disso, a maioria dos estudos financeiros comparativos s?o est?ticos, sem uma perspectiva hist?rico-institucional. S?o, por isso, desprovidos do insight Gershenkroniano que nos alerta que uma estrutura financeira baseada em mercado de capitais ? comum em pa?ses que se industrializaram precocemente, como a Inglaterra e os EUA. Alternativamente, estruturas baseadas no cr?dito banc?rio privado ou estatal s?o uma conseq??ncia do atraso (lateness); uma resposta adaptativa ? escassez de recursos de capital. Esta tese ? organizada em quarto artigos, independentes entre si. O primeiro artigo ? uma revis?o da literatura sobre o financiamento do desenvolvimento. O segundo examina o desenvolvimento econ?mico e financeiro da Cor?ia durante o per?odo 1950-80. O terceiro ? um ensaio mais curto, onde apresentamos um modelo econom?trico de painel, cruzando dados de cr?dito banc?rio setorial com dados de produ??o industrial coreana nos anos 1950 e 1960. Por fim, o quarto artigo compara os processos de desenvolvimento coreano e brasileiro numa perspectiva ampla, ressaltando as alternativas institucionais para o financiamento do desenvolvimento (1950-80). Juntos, os artigos formam um conjunto que discute as necessidades e desafios para o financiamento do investimento em pa?ses emergentes, utilizando duas experi?ncias de industrializa??o tardia.
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19

Camargo, Bruno Rodrigues. "The role of search frictions in the access to finance by firms." reponame:Repositório Institucional do FGV, 2018. http://hdl.handle.net/10438/24490.

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In this thesis I empirically investigate the role of non-price related search frictions in the access to finance by firms. The focus is on the relationship between these factors and how their variation in time can affect access to finance. The study uses a rich dataset of small, medium and large firms from 109 countries, mostly of them emerging economies, and of country related search friction indicators. Results show that banking outreach indicators and informational infrastructure are strongly associated with access to finance. The percentage of internet users and its variation are the most relevant of the informational variables, especially for small and medium enterprises. For large firms, the changes in fixed phone subscriptions and in the proportion of branches by population are the most relevant frictions. Results shed light on the already identifiable role of internet on financial inclusion of SMEs, and on the difference search frictions make in the access to finance depending on firm’s size.
Esta dissertação investiga empiricamente o papel das fricções de busca não relacionadas a preços no acesso a financiamento por empresas. O foco está na relação entre elas, bem como no efeito das mudanças nesses indicadores nos níveis de acesso a financiamento. O estudo usa um rico conjunto de dados de pequenas, médias e grandes empresas de 109 países, a maioria países em desenvolvimento, e de indicadores de fricção de busca por país. Os resultados mostram que os indicadores de alcance bancário e de infraestrutura informacional estão fortemente associados ao acesso a financiamento. A porcentagem de usuários da internet e a sua variação são as mais relevantes dentre as variáveis informacionais, especialmente para pequenas e médias empresas. Para as grandes empresas, as variações no número de assinaturas de telefonia fixa e na proporção de agências bancárias pela população são mais relevantes. Os resultados esclarecem o papel já identificável da internet na inclusão financeira de PMEs e a diferença que as fricções de busca fazem no acesso a financiamento dependendo do tamanho da empresa.
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20

Enzminger, Daniel Douglas. "The Last Mile Solution: E-commerce and Metropolitan Industrial Rent Growth." Scholarship @ Claremont, 2018. http://scholarship.claremont.edu/cmc_theses/1756.

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This paper formally analyzes the role of e-commerce revenue in explaining the changes in industrial rents in the 206 largest Metropolitan Statistical Areas. To analyze this connection, I match commercial real estate data from CoStar, market data from the U.S. Census Bureau, and an estimation of MSA level e-commerce. The results from the generalized least squares model indicate that e-commerce revenue positively affects asking rent and rent growth. This suggests that new fulfillment practices from e-commerce companies are disrupting metropolitan area industrial markets.
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21

Babl, Christian Stephan [Verfasser]. "E-Mobility and Related Clean Technologies from an Empirical Corporate Finance Perspective : State of Economic Research, Sourcing Risks, and Capital Market Perception / Christian Stephan Babl." Frankfurt : Peter Lang GmbH, Internationaler Verlag der Wissenschaften, 2015. http://d-nb.info/1080458212/34.

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22

Fernandes, Victor de Oliveira. "Alternativas para constituição de garantia sobre direitos de crédito em favor de credores estrangeiros em operações de project finance de plataformas e sondas de perfuração." reponame:Repositório Institucional do FGV, 2016. http://hdl.handle.net/10438/16417.

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This work’s scope is to analyze the structure of the contracts used in connection with production platforms and drilling rigs in Brazil and manners by which the financiers can have access to the receivables arising from the chartering of such equipment. The structure of the transaction is usually set up by the entry into a charter agreement, with a foreign special purpose company (SPC), and a services agreement, with a related company established in Brazil. The financing is structure as an international project finance, in which the SPC borrows funds from foreign banks for paying the construction. The receivables arising out of the charter agreement are then used for paying the financing. This paper analyses the main characteristics of the four contract arrangements by which financiers may ensure access to the receivables and reviews the main reasons for their use and the risks relating to them, especially in view of the possibility that the SPC becomes party to a judicial recuperation or bankruptcy in Brazil as a result of the insolvency of its controllers, when they are established in Brazilian. The four arrangements reviewed are the assignment of credits governed by the rules of the Civil Code (Law n. 10,406/2002), fiduciary assignment of credit rights, as set forth by article 66-B of Law n. 4,728/1965, pledge of rights and contracts governed by foreign laws.
O presente trabalho tem como escopo analisar a estrutura de contratação de plataformas de produção e sondas de perfuração e as formas por meio das quais se pode garantir o direito dos financiadores aos créditos decorrentes do afretamento desses equipamentos. A estrutura de sua contratação geralmente ocorre por meio da celebração de contratos coligados de afretamento, com sociedade de propósito específico estrangeira (SPE), de prestação de serviços, com empresa vinculada constituída no Brasil. O financiamento, por sua vez, estrutura-se como um project finance internacional, em que a SPE toma financiamento junto a bancos estrangeiros, para pagamento da construção. Os direitos de crédito resultantes do afretamento servem como meio de pagamento do financiamento. Este trabalho analisa as principais características dos quatro arranjos contratuais por meio do qual os financiadores poderiam garantir seu acesso aos créditos, analisando as principais justificativas para sua possível adoção e os principais riscos relacionados à sua celebração, especialmente em vista da possibilidade de que a SPE seja parte de processo de recuperação judicial no Brasil, em razão da insolvência de seus controladores, quando estes são brasileiros. As quatro estruturas analisadas são a cessão de créditos regida pelas regras do Código Civil (Lei nº 10.406/2002), cessão fiduciária de direitos creditórios, prevista no artigo 66-B da Lei nº 4.728/1965, penhor de direitos e contratos regidos por legislação estrangeira.
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23

Costa, Rickie Viana. "Project finance no Brasil: um estudo de caso dos processos e mecanismos que tornaram viável o financiamento de dois portos privados em um banco brasileiro." reponame:Repositório Institucional do FGV, 2016. http://hdl.handle.net/10438/17714.

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Existe no Brasil uma dificuldade para se conseguir financiamento para um projeto de infraestrutura junto a bancos comerciais. Essa dificuldade está relacionada a fatores micro, como o desconhecimento de investidores sobre os processos de análise de projeto e risco em um banco brasileiro, até a fatores macro, relacionados à conjuntura econômica brasileira e setorial de infraestrutura. Cada banco possui um modelo de análise de crédito e risco particular para decidir se concede ou não um financiamento. Dado o grande volume de recursos que é necessário para se fazer uma obra de infraestrutura, sem o financiamento bancário, além de incentivos do governo, investidores não enxergam viabilidade e retorno suficientes para fazer esse investimento. Como forma de diminuir e diluir o risco entre bancos, investidores e outras contrapartes envolvidas em um projeto de infraestrutura, tende-se a adotar mundialmente a estrutura do Project Finance, que se tornou chave também no Brasil para se obter sucesso de financiamento junto ao BNDES e a bancos comerciais. O papel do BNDES é fundamental na estrutura de financiamento no Brasil, uma vez que este concede empréstimos a juros subsidiados, reduzindo o custo de capital médio ponderado (WACC) dos projetos, fator decisivo para torná-los atrativos à investidores. O Project Finance é importante não só por diluir os riscos entre as partes, mas principalmente por esta estrutura permitir aos bancos preverem e anteciparem diversos riscos que podem ocorrer naquele projeto. Esse maior conhecimento os permite criar mecanismos contratuais específicos para aquele financiamento e os protege desses riscos prováveis. Covenants, obrigações e garantias podem, então, se tornar um dos principais pontos de discussão entre os Sponsors e Lenders processo de estruturação de um financiamento, ponto este que será estudado neste trabalho por meio de dois estudos de caso reais de financiamento a portos marítimos em um banco brasileiro.
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Castanheira, Dariane Reis Fraga. "A formalização integral e a sua contribuição para o desempenho econômico-financeiro das micro e pequenas empresas brasileiras (MPEs)." Universidade de São Paulo, 2017. http://www.teses.usp.br/teses/disponiveis/12/12139/tde-04092017-165326/.

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O objetivo deste estudo é investigar a relação entre a formalização integral e o desempenho econômico-financeiro em micro e pequenas empresas brasileiras (MPEs).A formalização integral foi considerada sob as dimensões: societária, gerencial e fiscal.A formalização societária contempla ações entre os proprietários que poderão levar ao bom andamento da sociedade empresarial e à remuneração adequada do capital investido na empresa. A base conceitual é a profissionalização da sociedade (MOREIRA JÚNIOR, 2006; DRUCKER, 1995; BERNHOEFT e CASTANHEIRA, 1995, entre outros) e a observação de normas civis brasileiras que tratam das relações entre pessoas físicas e jurídicas. Os conceitos planejamento e controle financeiro (FREZATTI, 2003; WELSCH, 1983) e competências gerenciais (LE BOTERF, 2003; DUTRA, 2004; FLEURY e FLEURY, 2001) foram abordados para dar sustentação à formalização gerencial. A formalização fiscal, entendida pela estruturação da empresa, física e financeiramente, para o cumprimento das regras estabelecidas pelos governos e passíveis de fiscalização e autuação (MONTAÑO, 1999; ZANGARI JÚNIOR, 2007). Os conceitos relativos ao desempenho econômico-financeiro foram analisados no sentido de evidenciar a relação deste com a competitividade, ganho de eficiência e eficácia, criação de valor para o negócio, geração de caixa para os investidores e continuidade do negócio (COPELAND, et al., 2002; RAPPAPOR, 2001; EHRHARDT e BRIGHAM, 2012; ELKINGTON, 1999). A amostra deste estudo é não-probabilística e formada por 100 empresas que manifestaram o interesse em participar. Foram utilizados dados primários, coletados por levantamento de campo (survey), utilizando entrevista focalizada e a técnica do balanço perguntado(MARTELANC, 1998). Submeteram-se os dados a técnicas descritivas multivariadas, inclusive modelagem de equações estruturais. As hipóteses foram construídas na suposição de que o desempenho econômico-financeiro se dá pela formalização societária, gerencial e fiscal e que a expectativa de sobrevivência aumenta com melhor desempenho econômico-financeiro. Os resultados comprovaram que a formalização societária, a gerencial e a fiscal têm relação estatística positiva, significante e indireta com o desempenho econômico-financeiro e este explica a expectativa de sobrevivência das empresas estudadas. O achado é relevante visto que traz um novo meio para tratar dos problemas da informalidade e sobrevivência das micro e pequenas empresas brasileiras, porém requer avanços e novos estudos.
This study aims to investigate the relationship between full formalization and economic and financial performance of Brazilian micro and small companies (MSCs). The full formalization was considered under tree the dimensions: corporate, managerial and fiscal. The corporate formalization encompasses actions among the owners that may lead to the good progress of the corporate society and the adequate remuneration of the capital invested in the company. The conceptual basis is the professionalization of society (MOREIRA JÚNIOR, 2006; DRUCKER, 1995; BERNHOEFT and CASTANHEIRA, 1995, among others) and the observation of Brazilian civil norms that deal with relations between individuals and legal entities. The concepts of planning and financial control (Frezatti, 2003; Welsch, 1983) and managerial competencies (LE BOTERF, 2003; DUTRA, 2004; FLEURY and FLEURY, 2001) were approached to support management formalization. The fiscal formalization, understood by the structuring of the company, physically and financially, for the fulfillment of the rules set up by the governments and are subject to inspection and assessment (MONTAÑO, 1999; ZANGARI JÚNIOR, 2007). The concepts related to economic and financial performance were analyzed in order to show the relationship between this and competitiveness, achieve efficiency and effectiveness, create value for the business, generate capital for investors and business continuity (Edwards et al., 2002). Sample of this study is non-probabilistic and consists of 100 companies that showed interest in participating. The primary data employed was collected by field survey, using a focused interview and the requested balance technique (MARTELANC, 1998). Data were submitted to multivariate descriptive techniques, including modeling of structural equations. The hypotheses were constructed under the assumption that economic and financial performance is obtained through corporate, managerial and fiscal formalization, and also that the expectation of business survival increases with a better economic-financial performance. The results showed that corporate, managerial and fiscal formalization have a positive, significant and indirect statistical relationship with economic and financial performance and this explains the expected business survival of the companies studied. The finding is relevant since it brings a new way of dealing with the problems of informality and business survival of micro and small Brazilian companies, but it requires advances and new studies.
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25

Lei, U. Ian. "Building an e-government acceptance model, based on TAM, incorporating trust in e-commerce." Thesis, University of Macau, 2007. http://umaclib3.umac.mo/record=b1637055.

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26

Rodrigues, Andrea Galv??o. "An??lise sociom??trica da produ????o cient??fica em finan??as no Brasil 1979-2012." FECAP, 2014. http://tede.fecap.br:8080/jspui/handle/tede/680.

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The aim of this research was to identify, from the point of view of the knowledge building theory, the most important authors and institutions involved in finance research publications, from 1979 to 2012, to follow how the knowledge was built in this area. It was made a sociometric study of descriptive character, involving 223 articles from 78 journals. For this, the articles were divided in six thematic areas - Portfolio Theory, Capital Structure and Dividend Policy, CAPM, Market Efficiency, Price Options and Behavior Finance. Moreover, it was made the presentation of the cooperation social networks, splitting authors and institutions according to the thematic areas. Subsequently, it was made the analysis of the areas and institutions that most represent the publications in the searched population, as well as how the building of this knowledge occurred, based on the concepts of normal science and Thomas Kuhn paradigm. The following results were obtained, mapped and followed by the social network analysis (SNA): a) the theories that compose the Modern Finance Theory have their constitution anomalous concerning the paradigms; b) in the normal course of science, response to crisis was through new finance and its behavior model; c) the results presented between the dichotomy full and limited rationality in finance fit in the concept of normal science, according to its building course; d) Finance is a research area that has already presented its scientific paradigm; e) the comparison between the periods of published research and the knowledge building, in various moments, occurs through pre-paradigmatic periods, and its first divergence point was defined based on the real behavior factor. The answer was the insurgence and the insertion of behavior models in agents' decisions, which appeared in publications only in the last two decades, even under questionings of the dominant paradigm.
Nesta pesquisa, o objetivo foi identificar, sob a perspectiva da teoria de constru????o do conhecimento, os autores e as institui????es de destaque envolvidos na ??rea de publica????o da pesquisa em finan??as, entre 1979 e 2012, para acompanhar como ocorreu a constru????o do conhecimento nessa ??rea. Foi feito um estudo sociom??trico de car??ter descritivo, com 223 artigos, oriundos de 78 peri??dicos. Para tanto, os artigos foram divididos em seis ??reas tem??ticas - Teoria do Portfolio, Estrutura de Capital e Pol??tica de Dividendos, CAPM, Efici??ncia de Mercado, Precifica????o de Op????es e Finan??as Comportamentais - e foi feita a apresenta????o das redes sociais de coopera????o, dividindo autores e institui????es em conformidade com as ??reas tem??ticas. Posteriormente, procedeu-se ?? analise das ??reas e institui????es que mais representaram publica????es na popula????o pesquisada, e como ocorreu a constru????o desse conhecimento, a partir dos conceitos de ci??ncia normal e do paradigma de Thomas Kuhn. Foram obtidos os seguintes resultados, mapeados e acompanhados pela an??lise de rede social (ARS): a) as teorias componentes da MTF t??m sua constitui????o an??mala com rela????o aos paradigmas; b) na rota normal da ci??ncia, a resposta ?? crise foi por meio das novas finan??as e de seu modelo comportamental; c) os resultados entre a dicotomia da racionalidade plena e a limitada nas finan??as apresentaram-se e se encaixam no conceito de ci??ncia normal, de acordo com sua rota de constru????o; d) Finan??as foi uma ??rea de pesquisa a qual j?? apresentou seu paradigma cient??fico; e) a compara????o entre os per??odos da pesquisa publicada e a constru????o do conhecimento passa em diversos momentos por per??odos pr??-paradigm??ticos, e tem seu primeiro ponto de diverg??ncia definido com o fator comportamental comprovado; a resposta foi o surgimento e a inser????o dos modelos comportamentais nas decis??es dos agentes, que surgiu nas publica????es somente nas ??ltimas duas d??cadas, mesmo sob questionamentos do paradigma dominante.
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27

Rawas, Mahmoud. "An empirical examination of the impact of ICT on the functioning of the Lebanese Ministry of Finance." Thesis, De Montfort University, 2013. http://hdl.handle.net/2086/9031.

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his study attempts to obtain a holistic view of ICT application and its impact in the context of a developing economy taking the Lebanese Ministry of Finance as a case study. It draws on the works of Heeks and Stanforth (2007) and Tseng (2008) for the pre-deployment phase of the e-Gov application and the post-implementation phase respectively. Heeks and Stanforth used actor network theory to study the trajectory taken by the Sri Lankan e-Gov project, while Tseng used a form of Structuration theory known as Orlikowski's Model of Technology to gauge the impact of an Electronic Government Information System (EGIS) on the Taiwanese Ministry employees. To the knowledge of the researcher the chosen research site has never been investigated before. This necessitated that the design phase of the study needed to be assessed first in order to get in-depth information about the contingent and local contextual factors and to ascertain the level of progress in the design and deployment of the ICT tools and techniques. For the post- implementation phase, this longitudinal study assessed the perceived effectiveness of the ICT impact on the end users - the employees. In addition, secondary data collected from the Ministry and the International Monetary Fund was used to corroborate the research. The study found that the use of 'trajectory mapping' was a crucial tool for investigating the initial ICT adoption process. This is due to its strength in exposing contextual factors, its ability to identify social and technical determinism at different stages of the investigation and its suitability in revealing political wrangling and identifying the dynamism of power in a public institution. The study's findings also reveal the presence of both technical determinism and social determinism throughout the project, restructuring of the organisation due to the introduction of an ICT unit and job redesign in the whole MoF. The study also found out that ICT resulted in a power shift within the organisation by having the IT unit gain power due to its ICT knowledge. The investigation, however, could not find a direct relationship between the 'degree of success' end point suggested by Heeks and Stanforth (2007) and the sought benefits from the ICT impact. In other words, the proposed 'degree of success' may only explain the design aspect of the EGIS, however, this study found that success or demise depends also on the implementation process and the preparedness of citizens to receive such IT services. Furthermore, the study was able to empirically investigate the applicability of the three layered model suggested by Omoteso et al. (2007) and found out that considering contingency as dynamic is more applicable than the static contingency proposed in the model. The study realised that there is a great need for a continuous, contemporary training process in the ever-changing ICT environment in order to achieve uninterrupted positive results. Finally, the study indicates that lack of vertical communication, as observed in the Lebanese public institution, between users, ICT designers, and decision makers weaken the whole change process. Therefore, it suggests a form of knowledge management application using ICT as the main venue, a transition from the current mechanistic (bureaucratic) structure to an organic (flat) structure.
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28

Magalhães, Alexandre Sanches. "E-commerce e e-banking no Brasil: uma perspectiva do usuário." Universidade de São Paulo, 2007. http://www.teses.usp.br/teses/disponiveis/12/12139/tde-21012008-145601/.

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A internet é, seguramente, a mídia que mais se expande no mundo, tendo importância crescente em todos os campos da atividade humana, seja profissional, educacional ou meramente recreativo. Essa importância é visível não apenas no grande número de pessoas que a usam em seu dia-a-dia (cerca de 33 milhões de pessoas no Brasil, 220 milhões nos Estados Unidos e mais de 1 bilhão de pessoas no mundo inteiro), nem somente pelo ritmo de crescimento nos primeiros anos da web comercial, mas principalmente pelo enorme leque de possibilidades de conteúdos e serviços disponíveis para os internautas. Dentre essas possibilidades estão os serviços de comércio eletrônico ou ecommerce, um dos mais importantes e com maior crescimento nos últimos anos, e o internet banking ou e-banking, responsável por profundas mudanças na relação dos usuários de serviços bancários com seus bancos, chegando ao ponto de correntistas não freqüentarem suas agências bancárias por anos seguidos, servindo-se apenas dos serviços online para resolver seus problemas diários e usando-se dos ATMs para saques financeiros. Esta dissertação tem o intuito de aprofundar o conhecimento da relação dos internautas com esses dois serviços, e-commerce e e-banking, analisando o fato de os dados disponíveis sobre o uso residencial da internet no Brasil indicarem que há queda no uso do segundo serviço, enquanto o primeiro continua em contínua ascensão. Esse conhecimento é importante, principalmente porque ambos são considerados similares pela literatura e, além disso, apresentavam curvas de crescimento similar até o final de 2003. Esse conhecimento passa também por entender o motivo que faz com que a intersecção dos grupos de usuários residenciais dos dois serviços seja em torno de 50% apenas, já que o internauta brasileiro, basicamente das classes A e B, tende a ser um consumidor de ambos os serviços off-line.
The internet is, for sure, the media with faster and higher growth in the world, with growing importance in all areas of human activities, from professional, educational or for entertainment. Such importance is visible not only because there are a huge number people with internet access for daily activities (around 33 million in Brazil, 220 million in the United States and 1 billion people around the world, nor because its very positive growth curve, but mainly due to its range of possibilities of contents and services available to the users. Among these possibilities are the e-commerce, one of the most important and with great growth during the recent years, and the e-banking, responsible for deep changes in the relation between banking services users and the banks, allowing some clients to stop visiting their physical agencies, using only the online channel to solve their daily problems and the ATMs to get some cash. This work intends to go deep in the knowledge of the relation among the internet users and the two services, namely e-commerce e e-banking, analyzing why the available at-home data about the Brazilian web use indicates that the second mentioned service loses audience, while the first one continues to grow in terms of visitors. Such knowledge is important, especially because both services are considered similar by the literature and, besides that, used to present a similar growth curve until de end of the year 2003. This knowledge also needs to understand why the intersection of the two groups of domestic users of both mentioned services is around 50% only, as the Brazilian internet user belongs to the richest A and B socio-economic classes, and because of this fact tends to be a consumer of both services off-line.
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29

Lin, Ta-Wei, and 林大為. "Study on the Security of E-Finance System." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/25160402747593028380.

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碩士
淡江大學
資訊工程學系碩士在職專班
100
With the popularization of internet, it is very common using internet bank to perform on-line accounts transferring at home. In order to guarantee the transaction security, the internet bank has possessed various kinds of safety and security mechanisms. For instance, the internet bank provides users’ authentication, SSL, Smart Card identification, one-time password and other methods. Despite this efforts, it is still difficult to lockout all kind of attacks. For example, most internet banks use Microsoft IE as the base platform, in which Active X and JScript are used. It turns out that the browser of client can only use IE to do the deal. Since Microsoft equips very strong function for plug-in developer in IE, it makes that tracing the transaction activities very easy. Furthermore, one can use BHO to overwrite transaction information without being discovered. This research investigates the security and safety issues of transactions of internet bank. Specially, we focus on the risk due to the adoption of BHO technology. The method of security improvement and prevention will be proposed.
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30

Cheng, Kai Fan, and 鄭凱帆. "Merchant and E-commerce Finance: FinTech Based Business Models." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/fn7sfz.

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碩士
國立政治大學
經營管理碩士學程(EMBA)
106
Small and medium enterprises (SMEs) account for a majority of the job market, So SMEs to promote national economic stability. In recent years, the international economic depression, affecting the financing difficulties of SMEs, which led to small and medium enterprises have the reduction of output, even bankrupt of the situation. Therefore, how to solve the problem of SME financing is the focus of government and society. This paper will discuss the current situation and difficulties of SME financing, and how to improve the financing difficulties of small and medium enterprises through Financial Technology (FinTech).
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31

Marcos, José Francisco Cardoso. "Fundamentos e causas do reequilíbrio financeiro em project finance." Master's thesis, 2018. http://hdl.handle.net/10400.14/27153.

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32

Chiang, Wen-Chung, and 蔣文仲. "Depository Financial Intermediary’s E-Finance Strategies －An Option-Based Valuation." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/02569102787421367209.

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碩士
淡江大學
國際貿易學系國際企業學碩士班
94
We use a two-stage, two-period option-based model to study how capital regulation, asymmetric information, strategic e-finance and the depository financial intermediary’s optimal deposit rate relate to one another. We found that e-finance can be treated as not only a technology but also a strategy. Once we treated that e-finance is a technology, we found that the depository financial intermediary can use the Internet to supplant its branches under the strategic complements in the strategic asset-liability management. Once we treated that e-finance is a strategy, we found that an increase in the capital requirements and asymmetrical information provide incentives for the intermediary’s developing e-finance under the strategic e-finance complements. Since our findings provide an alternative explanation for e-finance literature.
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33

Chen, Jung-Hsin, and 陳榮信. "Service Oriented Architecture Based Re-engineering for Finance E-Commerce Platform." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/98320852159605122163.

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碩士
東海大學
資訊工程與科學系碩士在職專班
96
Financial banking services have gradually changed from brick-and-mortar services into internet transaction services, following the renovation of information technology. This also has affected how customers dealing with banks. Therefore , emerging E-Commerce has taken over the traditional transaction method gradually. To keep up with the growing demands from customers and satisfy their various needs with cost-saving IT development strategy has become important issues for financial industries. Banking services used to focus on doing all transactions face-to-face; however , they are developing various electronic financial transaction interfaces to meet the current business needs. Nevertheless, there has been a lot of transaction systems with similar functions which are generated in order to cope with business requirements in every stage. How to maintain those systems and to swiftly meet customers' new demands without wasting manpower would be an important issue for managers in IT departments. Taking electronic financial platform in banking industry as an example , this article attempts to develop a framework that can fulfill the needs of fast integration and re-useable system modules.
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34

梁勝亮. "The Research of e-Finance -- A Case Study of E.Sun Bank." Thesis, 2005. http://ndltd.ncl.edu.tw/handle/97187202255653942753.

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碩士
國立彰化師範大學
會計學系企業高階管理
93
Abstract The purpose of this research is to discuss the critical success factors of e-Finance in Taiwan. The interview with experts and the Delphi Technique is applied in this research. The related literatures were collected, analyzed and induced in the literatures review to find out the critical success factors of e-Finance in Taiwan. The findings from literatures review were the foundation of developing the questionnaire of the Delphi Technique in this research. The data from the Delphi technique were analyzed by the description statistics analysis, such us average, standard deviation, and Mode, etc. Two conclusions were obtained in this research. First, there are five principal critical success factors of e-Finance in Taiwan, including “e-Finance influenced by the internal and external environmental factors”, “service construct”, “consumers’ right and lawful protection”, “risk construct”, and “business performance”. Second, the top 10 important items derived from the five critical success factors are as follows, “the financial institutions should keep the thorough e-transaction security”, “the web-banks highly bear in mind the interest of its’ customers’ benefits”, “the web-banks bear in mind the interest of its’ customers’ private secrets”, “the security of customers’ web financial properties can be ensured by e-transaction”, “the personnel secret information of customers’ can be assured by web-site”, “the sufficiently transactional security by perfectly planning and well risky management”, “the supportive degree from the CEOs and the primary policymakers”, “the banks can provide the varied personnel service to satisfy the customers’ unique requirement”, “the banks can provide the variedly plentiful and instant on-line information on the web-site”, “the staffs of the customer service department should have the professional knowledge in manage finances”. Keywords: financial industry, critical success factor, e-transactio ,Delphi technique
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35

Fan, Gang-Lin, and 范綱麟. "The Effectiveness of General Finance E-learning Training for Expatriate Managers." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/07190964867467616228.

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碩士
國立臺灣師範大學
科技應用與人力資源發展學系
102
In recent years, under the trend of globalization and the rapid development of technology, many enterprises have been actively involved in international markets and to seek for overseas business opportunities. They also expatriate managers to overseas branches to expand their commercial territories. Expatriate managers are in charge of overseas branches, so their continuous training and development to improve their knowledge and skills are particularly important. An airlines company in Taiwan, which requires its 118 expatriate managers to attend a series of e-learning courses of general finance, was selected as a case. This study aimed to assess the effectiveness of the e-learning training by the Kirkpatrick’s four-level evaluation model. Consequently the following results are obtained: (1) In terms of Levels I-III(Reaction, Learning and Behavior), expatriate managers learning effectiveness are acceptable；(2) There are significant differences of learning satisfaction by managers’ expatriate seniorities and education levels；(3) There is a significant positive correlation between managers’ learning satisfaction and learning achievement；(4) There is a significant positive correlation between managers’ learning achievement and application.
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36

Jesus, Micaela Sofia Moreira de. "A nova regulação bancária e os seus efeitos no Project Finance." Master's thesis, 2017. http://hdl.handle.net/10400.14/21755.

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37

Chang, Kuo-Jung, and 張國榮. "The Research on E-Learning Processes of Sales Representative in Finance Enterprise." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/29871626013342598754.

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38

Hou, Ya-Ling, and 侯雅齡. "A Symbolic Interactionism Model For e-Learning Behavior ：The case of Finance Institution." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/80070580534715205258.

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碩士
朝陽科技大學
企業管理系碩士班
96
In the era of knowledge-based economy, intellectual capital is the key point for sustainable management and training and development of human resourse have become an important topic. Moreover, e-learning plays an essential role in the management of knowledge. It could improve the efficiency and effect of corporation integral training, assist employees learning varied knowledge and skills efficiently without the restriction of time and location, and disseminate and accumulate the knowledge appropriately. In this research, qualitative research methods were applied on users of e-learning system. Based on grounded theory and symbolic interactionism, in-depth interviews and secondary data collection were used. The influential factors affecting for using e-learning system included personal factors, organization factors, system factors and social factors. The symbols for e-learning system usages were co-work partners, knowledge platform, and organization image. Based on the analysis process of symbolic interactionism, e-Learning user will consider background factors, reaction circumstances and previous learning behaviors to give a preliminary explanation of e-Learning system. Also the e-Learning user can has different individual and system role to make influence of learning behavior that can be continuously modified and changed. The e-Learning interaction model was constructed and seven propositions were concluded based on the analyzed results: Proposition 1: E-learners have different meanings for e-learning system when they face different interaction situations. Proposition 2: Different e-learners have different symbolic meanings for e-learning system. Proposition 3: The e-learning behaviors of e-learners are affected by previous e-learning behaviors. Proposition 4: The symbol explanations of e-learning system for e-learners are affected by background, interaction situation and previous e-learning behaviors. Proposition 5: E-learners modify their roles during learning process. Proposition 6: The e-learning behaviors are affected be role identification of e-learners. Proposition 7: There could be positive and negative effects for learners if the e-learning system is adopted. In conclusion, there are few suggestions for future establishment of e-learning system in the adaption, implemention, and usage stages. In the adaption stage, attractions of system knowledge, interface applicability, and organization support should be considered. In the implemention stage, building evaluation standard on organization system and enhancing coordination between system and employee requirement ought to be calculated. Finally in the usage stage, manager should focus on elevating organizational commitment, strengthening learning culture of organization, promoting corporate image and customer satisfaction, reducing hours of employee training and turnover rate.
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39

Faias, José Afonso de Carvalho Tavares. "Three essays in finance." Doctoral thesis, 2010. http://hdl.handle.net/10362/119709.

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40

Tsai, I.-Chen, and 蔡宜蓁. "A Study of the Intention to Use E-Service on the Finance Insurance Products." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/t2vk8v.

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碩士
國立臺灣海洋大學
航運管理學系
105
Combined with tablet PC and APPs, individual finance and insurance providing 24 hours mobile services including purchasing insurance,mobile payment of claims,and mobile data revision, which is quite different from traditional insurance services. Mobile insurance promote service efficiency, cost down in both labor and paper, further maximize utility for both buyer and seller of insurance product. With data collected in Taiwan, this study generated 404 valid questionnaires. This study investigate the relationship between perceived usefulness, perceived ease of use, attitude, and behavioral intention via SEM analysis. Analytic results revealed that both perceived usefulness and perceived ease of use positive significant influence attitude, attitude positive significant influence behavioral intention. Finally, this study provide suggestions for both practical and academic fields.
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41

KANG, YIX-XIN, and 康尹馨. "The Impact of E-learning Effectiveness：A Case Study of Taiwan Academy of Banking and Finance." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/637t94.

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碩士
世新大學
企業管理研究所(含碩專班)
106
With the rapid development of science and technology, it has broken the limitations of time, space and place in the transmission of old knowledge, and provided a more flexible learning method, which also represents a new training and teaching method. The main purpose of this study is to explore the impact of different backgrounds on learning outcomes in digital learning. Using the digital learning platform of the Taiwan Institute of Financial Research as a sample, a total of 567 valid questionnaires were collected, and the questionnaires were analyzed by using SPSS 22 to report statistical analysis, reliability analysis, independent samples t-test, ANOVA analysis, Pearson correlation analysis, and regression analysis. The results of this study show that the employee's personal background (gender, age, highest education, identity) has no significant difference in the number of learning outcomes, the curriculum traits are positively correlated with the learning satisfaction, and the teacher traits are positively correlated with the learning satisfaction. Learning platform is positively correlated with learning satisfaction, and learning satisfaction is positively correlated with learning outcomes.
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42

Resende, Rúben Filipe Gomes. "Avaliação de projetos de investimento em Regime de Project Finance : a concessão Beira Litoral e Alta." Master's thesis, 2015. http://hdl.handle.net/10400.14/20032.

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No âmbito do estágio curricular desenvolvido na Ascendi para conclusão do Mestrado em Finanças, o presente relatório aborda de forma interligada duas temática na área das Finanças: o Project Finance (PF) e a avaliação de ativos reais. O Project Finance é um método de financiamento frequentemente utilizado em projetos capitais intensivos de elevada dimensão e que apresentam como principais características: (i) o projeto vale pelos cash flows que gera, não havendo tipicamente recurso aos seus promotores; e (ii) envolve a criação de uma entidade independente, facto permite um nível de financiamento por dívida mais elevado face ao financiamento do projeto diretamente pelos seus promotores. Pelas características específicas que este tipo de operações encerram, a discussão sobre as metodologias de avaliação de ativos reais, por Discounted Cash Flows (DCF), que melhor se aplicam à avaliação de um Project Finance ou de uma parceria público-privada (PPP) tem aumentado recentemente. No presente trabalho foram analisados e aplicados ao estudo de caso Concessão Beira Litoral e Alta os seguintes modelos: Free Cash Flow Model (FCF), o Equity Cash Flow Model (ECF), o Capital Cash Flow Model (CCF) e o Compressed Adjusted Present Value Model (CAPV). O Trabalho Final de Mestrado apresentado estudou então se a escolha de diferentes modelos de avaliação por DCFtem impacto nos resultados obtidos. Por outro lado verificou-se se o modelo FCF subestima os benefícios fiscais associados ao elevado nível de endividamento de projetos de investimento implementados neste regime e se, consequentemente, conduz a resultados enviesados. Depois de aplicados os modelos de DCF selecionados, concluiu-se que a escolha do modelo de avaliação influencia os resultados obtidos; i.e., o valor de mercado da concessão é diferente consoante o modelo aplicado. Verificou-se ainda que o modelo FCF subestimou os benefícios fiscais criados pela dívida. Finalmente, foi possível concluir que os modelos Capital Cash Flow e o Compressed Adjusted Present Value conduzem a valores de mercado mais elevados para a concessão pelo facto de captarem melhor os benefícios fiscais, o que está em linha com a literatura que refere que estes dois modelos são os mais realistas na avaliação de projetos em regime de PF ou PPP.
Following an internship developed in Ascendi for the completion of a master's degree, this report addresses two themes of Finance: Project Finance (PF) and real assets valuation. PF is the process of financing a specific economic unit that the sponsors create and is often used for capital-intensive facilities and utilities.. Its main characteristics are: (i) the debtor is a project company (special purpose vehicle) that is financially and legally independent from the sponsors; (ii) lenders are satisfied to look initially to the cash flows and earnings of that economic unit as the source of funds; and (iii) high levels of leverage vis-à-vis corporate financing.. Given the specific characteristics of such transactions, the discussion about which Discounted Cash Flows’ (DCF) model is best suited to value PF or PPPs have been increasing. In this report, we use the following models in order to value ‘Beira Litoral e Alta’ concession: Free Cash Flow (FCF) model, Equity Cash Flow (DCF) model, Capital Cash Flow (CCF) model, and Compressed Adjusted Present Value (CAPV) model. The objective of this work is to determine if the choice of different DCF valuation models, even being mathematically equivalent, has an impact in the obtained results. Additionally, it is intended to verify if the FCF model leads to unreliable results, underestimating the impact of the interest tax shields - linked to higher levels of leverage - on the concession value, . After applying the DCF models selected, we conclude that the choice of the valuation model does in fact influence the results obtained. Furthermore, we find that the FCF model underestimated the impact of interest tax shields on the concession value, and that the CCF and CAPV models are more reliable when valuing PF or PPPs projects, which is in line with the existing literature.
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43

Nunes, Valdo Reis da Silva. "Dificuldades na avaliação de startups e PMEs : estudo de estágio na Triple A - Capital & Finance." Master's thesis, 2019. http://hdl.handle.net/10400.14/28581.

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A presente Tese Final de Mestrado (TFM) enquadra-se no estágio realizado na empresa Triple A – Capital & Finance e analisa as principais dificuldades encontradas na avaliação de empresas do tipo Start-Up e PMEs, procurando também encontrar as metodologias e práticas mais apropriadas para estas. Esta análise é feita por revisão da literatura relevante aos métodos considerados “tradicionais” (Método DCF, Método de Análise Relativa e Método Net Assets Value) e suas respetivas limitações, que se revelam principalmente ao nível da aplicabilidade a empresas jovens e de crescimento elevado, e de seguida são analisadas metodologias destinadas a colmatar estas falhas (Modelos de Opções Reais, Método Venture Capital, Método First Chicago, e métricas de Avaliação de E-Businesses) que por sua vez também apresentam limitações. As suas forças e fraquezas são sintetizadas num quadro comparativo. As vantagens e aplicabilidade dos modelos são evidenciadas nas avaliações financeiras produzidas ao longo do estágio, que são descritas em detalhe, e confirmam na sua maioria a literatura apresentada. Os resultados deste estudo apontam que os métodos tradicionais continuam a ser os mais encontrados no “arsenal” de uma consultora financeira, independentemente das características da empresa, com destaque para o Método DCF que prima pela sua flexibilidade e adaptabilidade e para o Método Net Assets Value que, no caso de empresas inoperativas, continua a ser insubstituível. Métodos mais recentes como o Método Venture Capital e métricas de avaliação de E-Businesses também já demonstram a sua utilidade, sendo aplicados em conjunto com o Método de Análise Relativa. Por outro lado, os Modelos de Opções Reais apesar de possuírem eco no meio académico, ainda não têm aplicação no contexto empresarial devido à sua complexidade e compreensão matemática necessária, em especial para o cálculo das volatilidades.
This Final Master Thesis is based on an internship at Triple A - Capital & Finance and analyzes the main difficulties encountered in the valuation of Start-Up companies and SMEs, and researches for the most appropriate methodologies and practices for these. This analysis is done by reviewing the literature relevant to the methods considered "traditional" (DCF Method, Relative Analysis Method and Net Assets Value Method) and their respective limitations, which mainly concern the applicability to young and high growth companies, followed by methodologies to address these shortcomings (Real Option Models, Venture Capital Method, First Chicago Method, and E-Businesses Evaluation metrics), which in turn also have limitations. Their strengths and weaknesses are summarized in a comparative table. The advantages and applicability of the models are evidenced in the financial valuations produced during the internship, which are described in detail, and mostly confirm the literature presented. The results of this study indicate that traditional methods continue to be the most found in the “arsenal” of a financial consultant, regardless of the characteristics of the company, highlighting the DCF Method that excels by its flexibility and adaptability and to the Net Assets Value Method that, in the case of inoperative companies, remains irreplaceable. More recent methods such as the Venture Capital Method and evaluation metrics of E-Businesses have already demonstrated their usefulness and are applied together with the Relative Analysis Method. On the other hand, the Real Options Models, although they have an echo in the academic environment, still do not have application in the business context due to its complexity and the mathematical understanding it requires, especially for the calculation of the volatilities.
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44

Lee, ChengChe, and 李政哲. "Study of Customer Loyalty in E-commerce private finance website─ Ex：Huang Guo-hua’s farming Reading Notes website." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/38947624145959249715.

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碩士
臺北城市科技大學
電子商務研究所
101
The rapid development of investment trends and the Internet has led to fierce competition among financial websites. How to attract visitors, increase browsing rates, increase the number of users and understand the potential needs of Internet users are the focuses of private financial websites. In addition, how to run a private financial website that attracts highly loyal users has become an important issue for the sustainable development of private financial websites. In the physical world, indicators that are frequently used for assessing loyalty can also be used for assessing Internet loyalty, as long as they are properly adjusted. Therefore, this study used service quality and purchase motivation toinvestigate the loyalty of readers of Guohua Huang’s blogs. This study intended to investigate dimensions such as service quality and purchase motivation, in order to find out the factors attracting the readers of Guohua Huang’s blogs to revisit the website, as well as to further investigate whether they would develop loyalty to the website. Purchase motivation was used as the moderator variable in this study. This study investigated the effect of purchase motivation, website content and service quality, as well as their correlation, on the loyalty of private financial website users, from the perspectives of the users. The subjects were the readers of Guohua Huang’s blogs and numerous investors. This study used online questionnaires to collect sample data, and then used the Chinese version of SPSS statistical software to perform the analyses. Statistical methods such as descriptive statistics, independent sample t-test, one-way ANOVA, factor analysis and regression analysis were used to analyze the data. The results of this study could be used to help understand the characteristics of the users of private financial websites and could be provided as a reference to relevant industries in the development of marketing strategies. It was also hoped that the correlation among various dimensions/factors and the loyalty toprivate financial websites, as well as their prediction power, could also be confirmed. Keywords: Internet; Financial website; Purchase motivation; Service quality; User loyalty
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45

Lu, Wen-Ting, and 呂文婷. "A Proposed Regulatory Framework for Online Financing – Focus on P2P Lending and E-Commerce Supply Chain Finance." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/4jc7gh.

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46

Guerrini, Alberto. "Michelin SCA - consumer vehicles parts." Master's thesis, 2019. http://hdl.handle.net/10362/69926.

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47

Bento, José Pedro Milheiro, Lili Elodie Elahi, Manuel Maria Lopes Pinto Pires da Silva, and Severin Erbach. "Lemaitre vascular, Inc." Master's thesis, 2018. http://hdl.handle.net/10362/36386.

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48

Costa, Ana Gabriela Nogueira da Silva. "Elaboração do orçamento e gestão financeira de curto prazo em regime de Project Finance : caso Ascendi Grande Porto." Master's thesis, 2019. http://hdl.handle.net/10400.14/30413.

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O Project Finance é caracterizado por ser uma forma de financiamento de projetos capital intensivos, com vida finita e definida à partida e com recurso à criação de uma nova empresa legalmente independente. É também caracterizado por um nexus de contratos entre as várias partes interessadas, desde os acionistas aos bancos, passando também pelos fornecedores e clientes, o que o distingue do financiamento de projetos em regime de Corporate Finance. Outra das suas características principais é o facto da dívida obtida pela empresa veículo ser sem recurso ou com recurso limitado ao(s) sponsor(s) e, por esse, motivo as avaliações do risco de crédito das operações baseiam-se na capacidade de geração de cash flows futuros que o projeto irá gerar, uma vez que estes são a principal fonte de reembolso dos empréstimos. Por esse motivo, este Trabalho Final de Mestrado tem como objetivo perceber se uma operação de Project Finance facilita a elaboração do orçamento anual e ainda se o nexus de contratos entre as partes, característico deste tipo de financiamento, permite otimizar a gestão financeira de curto prazo de uma empresa. Para isso, e no âmbito do estágio desenvolvido na Ascendi, utilizou-se a metodologia de estudo de caso de forma a analisar a Ascendi Grande Porto. Este estudo de caso permitiu responder afirmativamente às duas questões de investigação formuladas.
Project Finance is characterized as a form of financing for capital-intensive projects, with a finite and pre-defined lifetime and based on the creation of a new legally independent company. It is also characterized by being based on a nexus of contracts between the parties involved, from shareholders to banks as well as suppliers and customers, contrary to what happens in Corporate Finance. In addition, they have limited or non-recourse debt. Therefore, credit assessments are based on the forecasted future cash flows that the project will generate, as they are the main source of debt repayment of debt loans. This Master's Thesis aims thus to understand if a Project Finance operation makes the elaboration of the annual budget easier and also if the nexus of contracts between the parties, a characteristic of this type of financing, allows optimizing short-term financial management of a company. Consequently, and in the scope of the internship developed at Ascendi, we used the case study methodology to analyse Ascendi Grande Porto, based on the previous study conducted through the literature review. This case study allowed to answer affirmatively to both research questions.
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49

Guida, Stefano. "The leveraged finance industry in Europe." Master's thesis, 2019. http://hdl.handle.net/10362/73217.

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50

Chen, Sinita, and 陳麗慧. "The Research of Critical Successful Factors for e-Learning in Finance Industry-The Case by J Financial Holding Corp." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/30940262522638149378.

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碩士
東吳大學
企業管理學系
94
Nowadays, due to the rapid rise and popularity of web, and the development of multi-media, e-Learning has become the important education and training way to enterprise. “e-Learning" is the platform used for knowledge dissemination purposes. It is established by information technology and allows students access from anywhere in the world and study at anytime. Thus, students can easily achieve their goals of learning and increase their knowledge as well as enlighten their mind to new ideas. Business can use e-Learning properly to achieve their training needs; it not only could save a lot of money, as well as could save a lot of training time. Even though e-Learning has become an important training way in the world wide, there are many domestic enterprise still stay considered status and hesitate to act. Some enterprises intend to carry out e-Learning but they do not know how to implement well or what is the key to success. The critical successful factors of enterprise e-Learning are still obscure for them. The major purpose of this study is to help companies understand the critical successful factors of enterprise e-Learning for designing effective training programs, special for financial industry. This study seeks for an insight of the implementation status of case company – J Financial Holding Corporation, which has phased in e-Learning system. Moreover, this study incorporates an in-depth analysis, and then helps to draw up a long-term effective e-Learning executing plan. Enterprise can launch e-Learning system quickly. However, if it can root in enterprise, it must have many factors to support it. Included, support by CFO, innovate continually in training course and teaching materials, suited software & hardware, and long-term stand by related staffs, etc...Therefore, this study concludes the essence and influence of critical successful factors in the process of e-Learning system build-up by analyzing interview information and recapitulating collected documents, and then distinguishes “Lead-in” and “Set-up” two phases. “Lead-in” phase includes three critical successful factors: “Strategy Planning“, “Business Corporate Culture”, and “Student Characteristic”. “Set-up” phase also includes three critical successful factors: “Training Course and Teaching Materials”, “Resources and Technical” and “Performance Evaluation” The findings of this study present e-Learning implementation processes of case company. Data were collected by interviews with the managers and trainee and literature review for getting the subjects of critical successful factors of enterprise e-Learning and then construct a list of factors. In addition to address the successful e-Learning system and labor deployment, Integration system and promotion events, improved and solved problem by e-Learning, and gather the struggles and solution etc. Secondly, the findings of this study present that characteristic of Financial Industry is very fit to e-Learning training modules. For example, across space-time by barriers, e-level of enterprise, knowledge level of students, knowledge updated speed, training quantity and development, etc… Besides, overseas study find the Financial Industry implement e-Learning much more than other industries. Therefore, we can find the Financial Industry is very suitable to implement e-Learning system. e-Learning is necessary and plays an important role in the future. This study works out suggestions and feasible solutions for case company that has phased in or will phase in e-Learning system, and provides a reference for future studies. To help corporations consisted of cost reduction and risk control, improvements on effectiveness and efficiency, and a balance of corporation development and employee growth.
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