Dissertations / Theses on the topic 'Nature of banking relationship'
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Al-Moulani, Ali J. "Banking sector depth & long-term economic growth in the GCC States : relationship nature, sector development status & policy implications." Thesis, Cranfield University, 2016. http://dspace.lib.cranfield.ac.uk/handle/1826/10492.
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The thesis investigates the nature of the relationship between the banking sector depth and long-term economic growth in the Gulf Cooperation Council (GCC) States, assesses the banking sector development status in each of the States, and underlines the policy implications in the light of the banking-growth nexus and the banking development benchmarking models’ findings for the region by undertaking three projects.
The thesis examines the nature of the relationship between banking sector depth and long-term economic growth in the NRBC—as a proxy for the GCC States— vis-à-vis the rest of the world countries. For the empirical investigation, a dynamic panel data approach, i.e. Generalised Method of Moments (GMM), is adopted over the period 1961 to 2013. By utilising mixed effects and System GMM frameworks, the research identifies the countries with the strongest banking-growth relationships and establishes the banking sector development determinants in those countries. Employing a novel benchmarking process, the thesis assesses the status of the banking sector development in each of the GCC member countries and simulates the change in the banking sector depth across the Gulf region over a period of ten years to highlight the potential policy implications for the sector development.
The findings of the thesis suggest that the relationship between banking sector depth and long-term economic growth in the NRBC is non-linear, where the relationship between the banking sector depth and economic growth turns from positive to negative beyond certain levels of sector depth. In comparison to other countries, the results indicate that the banking-growth nexus in the NRBC exhibits a smaller total effect magnitude as well as a shorter time between the change in the sector depth and its effect on economic growth. The benchmarking of the banking sectors in the GCC region suggests that in five of the six member countries the banking sectors are underdeveloped. The simulation results predict that the banking sectors will develop further in half of the countries in the region, given their current levels of banking sector development determinants, while two countries require reforms in terms of undertaking regulations and policies to avoid seeing their sector development levels deteriorate.
The thesis contributes to theory by confirming findings in the literature and expanding the body of knowledge through novel findings. This research also contributes to policy by demonstrating the significance of the banking sector development for long-term economic growth in the NRBC, providing policymakers in the Gulf States with the status of their banking sectors, and underlining the banking sector depth determinants that ought to be considered when setting regulations and policies that are aimed at developing the banking sector further.
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Guo, Yongsheng. "The perception of value creation by relationship managers in corporate banking : insights into relationship banking." Thesis, University of Glasgow, 2006. http://theses.gla.ac.uk/8041/.
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This study explores the value creation in relationship banking from the relationship managers' perspective. A grounded theory approach (Strauss and Corbin, 1998) is adopted that theory is derived from data, systematically gathered and analyzed throughout the research process. This study derives concepts and categories from primary data and identifies relationships among these theoretical elements. This study provides a comprehensive picture of relationship banking as a social phenomenon, and supplies some theoretical and managerial implications. Moreover, this study links the literature relevant to relationship banking from different disciplines. This is a new way of looking at the relationship banking phenomenon and relevant literature in an integrated manner. This study conducted research to investigate why the case banks establish long-term relationships with corporate customers? The case banks considered macro conditions including the advances in technology, financial deregulation, and business globalisation when they adopted relationship banking. The interviewees perceived that relationship banking was efficient for managing risk, effective for saving cost and necessary for cross-selling. Some intervening conditions including customer information and knowledge, customer needs and customer confidence also influence the development of relationship banking. This study investigated how the case banks establish and maintain these relationships and how they organise and motivate relationship managers? The case banks built a relationship orientated corporate culture, organised employees around customer relationships and employed customervalue based performance measurement and incentive-based reward system. The employees cooperated inside the organisation and communicated with their customers regularly, exchanged information and provided relationship transactions. This study also investigated how the case banks and corporate customers get benefits from relationship banking? The interviewees perceived that the corporate customers gained benefits including fund availability, product availability, service quality, in-time heir, and business platform. The case banks gained benefits including reduction of credit risk, increase in income, sustainable profit, customer satisfaction, employee satisfaction. The findings were integrated and linked to some banking, finance, organisation and marketing literature related to relationship banking phenomenon. The case banks increased internal service quality through employee relationship management and improved employee satisfaction. The interviewees perceived that the corporate customers received benefits in the corporate banking market by customer relationship management. The increased customer satisfaction resulted in customer retention and profit to the case banks. The case banks perceived that added shareholder wealth improved shareholder satisfaction. This study concluded that the case banks, which had more relationship banking competitive advantages and better relationship banking, related processing systems were expected to outperform the competing banks.
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Lindahl, Mikael. "The Human-Nature Relationship and the Nature Documentary." Thesis, Kungl. Konsthögskolan, 2012. http://urn.kb.se/resolve?urn=urn:nbn:se:kkh:diva-207.
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Hou, Pingyu. "Customer relationship management for banking system." CSUSB ScholarWorks, 2004. https://scholarworks.lib.csusb.edu/etd-project/2635.
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The purpose of this project is to design, build, and implement a Customer Relationship Management (CRM) system for a bank. CRM BANKING is an online application that caters to strengthening and stabilizing customer relationships in a bank.
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Ng, San U. "The profit : structure relationship in Macau banking." Thesis, University of Macau, 2007. http://umaclib3.umac.mo/record=b1637044.
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Гуменна, Юлiя Григорiвна, Юлия Григорьевна Гуменная, Yuliia Hryhorivna Humenna, and A. Eremenko. "Relationship between digital technologies and banking sector." Thesis, Sumy State University, 2019. https://essuir.sumdu.edu.ua/handle/123456789/77713.
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Nowadays, digital technologies are fully penetrating and being implemented in
the financial services industry by offering products and services to consumers and
businesses through financial institutions. The rapid development of information and
communication technologies has enabled lending institutions to improve their
operations and develop remote banking services over the Internet.
Internet banking was introduced in the early 1990s. It has since grown rapidly
with the spread of the Internet. Digital banking, in the first place, includes the concept
of non-cash. Historically, this method of calculations arose at the end of the
seventeenth and early eighteenth centuries.
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Robinson, Ian. "The cyclical nature of the process involving banking risk and regulation : a grounded theory study." Thesis, University of the West of England, Bristol, 1997. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.362550.
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Guo, Qingyu. "Strategies of Customer Relationship Profitability in Retail Banking." Thesis, Karlstad University, Division for Business and Economics, 2009. http://urn.kb.se/resolve?urn=urn:nbn:se:kau:diva-4598.
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The thesis aims to explore the strategies or tactics which make the retail banking profit from customer relationship. Through analyzing RR (relationship revenue) and RC (relationship cost), the report gets the strategies or tactics for the profitability in customer relationship base (CRP - customer relationship profitability).Relationship is the basis for the customer between the retail banking. The stable and sound long-term relationship makes retail banking profit RR (relationship revenue) from it. And in the same time to maintain and enhance customers‘ relationship will incur RC (relationship cost). Certain of RC (relationship cost) it is compulsory if the banks try to get RR (relationship revenue) from customer relationship. The point is to find out the strategies which will make retail banking can benefit its CRP (customer relationship profitability) and still serve their customers effectively and efficiently by their limited resource simultaneously.
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Abdel-Haq, Mohammed Kayed. "The relationship between Islamic banking theory and practice." Thesis, Oxford Brookes University, 1993. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.332574.
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Turton, WE. "The centralisation of administration in commercial relationship banking." Thesis, Cape Technikon, 2001. http://hdl.handle.net/20.500.11838/960.
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Thesis (MTech(Business Administration)--Cape Technikon, Cape Town, 2001During the last decade, commercial banking competition has intensified for a variety of reasons. With shareholders requirements to satisfY and, at the same time to provide ''value for money" to i!s clients, banks restructured themselves to serve niche market segments, increase critical mass by growing volume business or a combination of both. With the change in political dispensation, the urgency for banks to evolve intensified for the following prime reasons: I. The increased number offoreign banks ~ntering the South African market and cherry-picking the commercial banks' best clients and employees. This was facilitated by the foreign banks low cost of entry and low overhead cost structure coupled with cheaper availability of offshore funding for South African businesses. 2. Increased emigration rates reducin6 the availability ofskilled and trained bank employees. 3. The stagnation ofthe economic emironment resulting in low organic growth of the business client base from the traditional white o\\ned segment. 4. The largely neglected black business segment which became politically. if not economically. attractive to the local banks. Against this background. commercial ban:,s strategies changed involving restructuring the internal organisation to refocus the banking industr.. efforts in achieving its profit objectives. satisfYing and keeping its clients and attracting new clients. primarily, from the local competitor banks.
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Nel, Jean-Louis. "The right to terminate a banking relationship unilaterally." Diss., University of Pretoria, 2018. http://hdl.handle.net/2263/69949.
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In recent times it has come to the attention of the public that a bank can terminate a bank-client relationship unilateraly based on reasons or no-reasons at all. The public’s attention was drawn to this by the controversial closure of the Oakbay’s accounts by the prominent banks in South Africa. This was not the first time that such a closure of bank accounts occured in South Africa and the locus classicus in this regard is Bredenkamp v Standard Bank. In this matter the Supreme Court of Appeal was bestowed the task to determine the constitutionality of the cancelation clause found in a standard form contract that allowed a bank to terminate its relationship with a client. In order to determine the constitutionality of the clause the court applied the constitutionality test as set out in Barkhuizen v Napier, whereafter it was found that the cancelation was just.
This dissertation will therefore investigate whether a bank can unilaterally decide to proceed with the termination of the bank-client relationship. It will be argued that a bank may proceed to do so, but a further investigation is required to determine the reasons why the bank might proceed to terminate a bank-client relationship unilaterlly and the rationale thereof. Consideration will be given to the enactment of the Financial Intelligence Centre Amendment Act, the development of the common law under the Constitution, and international best practice that have been developed to combat the financing of terrorism and money laundering. The latter may impose a duty on a bank under certain circumstances to terminate the bank-client relationship unilaterly.Mini Dissertation (LLM)--University of Pretoria, 2018.
Mercantile Law
LLM
Unrestricted
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Sin, Kam Fan. "Banker and customer : incidents of their relationship in a changing financial world /." Click to view the E-thesis via HKUTO, 1989. http://sunzi.lib.hku.hk/hkuto/record/B38906831.
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Shaw, Sylvie. "Wild at heart : creating relationship with nature." Monash University, School of Political and Social Inquiry, 2001. http://arrow.monash.edu.au/hdl/1959.1/7963.
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Rasuba, Maanda. "Statistical relationship of customer behavioral characteristics in personal banking." Thesis, Nelson Mandela Metropolitan University, 2009. http://hdl.handle.net/10948/1165.
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This study investigates the relationship of bank customers’ behavioural patterns based on the customers past transactions, with respect to their profile characteristics. The main aim of this study is to illustrate that different categories of customers (based on demographical variables such as race, gender and age) have statistically significant differences in behaviour, with respect to how they operate their accounts. A theoretical overview on the literature of customer relationship management in the banking sector emphasises the importance of understanding customers to ensure that a business is successful. Four null-hypotheses where formulated based on a general research hypothesis. The data base provided a major South African bank is used to achieve the objectives. Extensive cleaning of the data set was necessary to ensure the validity of the results. The data set had 7860 customer keys. The large data base used contributed to the reliability of the results. The following behavioural variables were used in the study namely, transaction data, average debit and credit transaction amounts and average number of transactions per month. The main results of study indicate that different customer categories have statistically significant differences in behaviour, with respect to how customers operate their accounts. This implies that it is important for the banking sector to consider customer gender differences, age differences and race group differences in the relationship strategies which they employ in their multicultural environment. Further research in the area may be necessary before generalisation can be made on all banking customers.
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Gregory, Curtis J. "Relationship Between Emotional Intelligence and Servant Leadership in Banking." ScholarWorks, 2016. https://scholarworks.waldenu.edu/dissertations/2975.
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U.S.-based financial institutions have experienced significant failure rates since the mid-1980s. The problem within the U.S.-based banking industry is that the focus of leadership development has been primarily on cognitive abilities, whereas interpersonal skills, such as emotional intelligence, have been neglected. Research has focused on U.S. bank failures from a risk mitigation, economic, or legislative perspective, creating a gap in research on leadership behavior. The purpose of this correlation study was to determine whether a significant relationship exists between emotional intelligence and servant leadership among leaders in the U.S. small business banking industry. The theoretical framework compared intelligence types to leadership styles to explain leadership behavior. A convenience sample of leaders within the Qualtrics database of small business-bankers was surveyed from a composite survey for levels of servant leadership and emotional intelligence simultaneously. Pearson's correlation coefficient was performed to test the hypothesis. A statistically significant relationship was found between servant leadership and emotional intelligence. Social change implications of this study include improving employee engagement and retention, along with stakeholder engagement through the identification of leaders high in servant leadership style and emotional intelligence. Positive economic, social, and environmental benefits could be gained through improved organizational performance of U.S.-based banks by improving the selection and development of leaders in small business lending willing to embrace a stakeholder management theory.
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Sin, Kam Fan, and 單錦帆. "Banker and customer: incidents of their relationship in a changing financial world." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 1989. http://hub.hku.hk/bib/B38906831.
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Johansson, David, and Mikael Westin. "CRM-En fallstudie av Nordea Private Banking." Thesis, Högskolan i Halmstad, Sektionen för ekonomi och teknik (SET), 2013. http://urn.kb.se/resolve?urn=urn:nbn:se:hh:diva-23378.
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Title: CRM – A case study of Nordea Private Banking Autors: David Johansson & Mikael Westin Advisor: Ulf Aagerup Level: Bachelor thesis in International marketing, (15 ECTS), Spring 2013. Keywords: CRM, Relationship marketing, Private Banking Question: How does Nordea Private Banking work with CRM to get high customer loyalty? Purpose: Study and to learn how Nordea Private Banking is working to bring in new customers and keep existing customers loyal. We also want to see if Nordea uses additional strategies that goes beyond the theory and what their customer relationship strategy is. Method: The study has a qualitative research method with an inductive approach. Interviews with leading and skilled profiles at Nordea Private Banking has been interviewed to provide answers to our research question. Theoretical framework: The chapter starts with theory about what relationship marketing is and what is driving customer loyalty. Thereafter theory that define CRM and its pros and cons are addressed, and finally the chapter describe the implementation phase. Empirical framework: In the empirical framework we present the qualitative interviews that were done with employees at Nordea Private Banking. Conclusion: The result from this study shows that Nordea Private Banking uses strategies that are common in theory of CRM to gain high customer loyalty and the use of recommendations from satisfied customers is of a much higher significance in Nordea Private Banking’s case than of what the theory is implying. Nordea Private Banking uses a strategy with high focus on the customers and the importance is within relationship marketing and long lasting relations between the adviser and the customer.
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Dobosz, Sandra. "Relationship Management in the Banking Industry : The Use of Facebook." Thesis, Internationella Handelshögskolan, Högskolan i Jönköping, IHH, EMM (Entreprenörskap, Marknadsföring, Management), 2012. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-19804.
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The economic situation and the improved technology weaken the bond be-tween banks and their customers. To adapt to the changing behavior of customers banks engage in Social Media with the aim to strengthen their relationship. However, Social Media may not have the expected effect on the banks’ customers. The purpose of this thesis is to answer whether interaction through Facebook can improve the relationship between Handelsbanken and its customers and whether the employees’ and the customers’ perceived value of interacting through Facebook is equal. The theoretical framework focus on how to build relationships with customers, how to add customer value and what encourages consumers to engage in word-of-mouth. The concept of Social Media is explained and a description of Facebook is provided. The last section in the theoretical framework discusses the implementation of Facebook into the organization of Handelsbanken. A qualitative study was conducted through interviews with employees and customers of Handelsbanken. During the study it was revealed that both the customers and the employees had low awareness of Handelsbanken’s presence on Facebook. The content on the Facebook page does not encourage interaction or add value to the customers. The main problems for succeeding with the Facebook page are absence of marketing and no customer need for interacting on Facebook with their bank. In addition, it was revealed that implementing a centrally moderated communication tool to a decentralized organization is not successful.
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Jianwei, Wang. "The relationship between banking development and economic growth in China." Thesis, University of the West of Scotland, 2015. https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.763528.
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A synthesis of the extant literature suggests that financial development is of central importance in facilitating economic growth (Patrick, 1966; Goldsmith, 1969; McKinnon, 1973; Shaw, 1973; Pagano, 1993; King and Levine, 1993a; Hellmann, Murdock and Stiglitz, 1995; Struthers, 2010). This thesis focuses on the relationship between banking development, with respect to both financial deepening and financial widening, and economic growth in China, using the banking and economic system as a major case study. The research first intruduces financial widening into China, links financial widening with financial deepening and economic growth in an edogeneous framework in China, and develops an analytical framework that can be used for further research. In total two frameworks, two models and two mechanisms are adopted. The thesis adopts theoretical analysis, descriptive statistical analysis and econometric methodologies, and chooses Pagano (1993) as the basic theoretical model to expand. The results of the descriptive statistical analysis yields data are concordant with the extant literature, confirming that financial deepening and financial widening are significant to economic growth. 1993-2010 quarterly data from China is analysed by employing the econometric techniques, the empirical model and five hypotheses are tested. The Engle-Granger 2-step cointegration test shows that the alternative hypotheses 1 and 3 are upheld, and the Granger causality test indicates that the results uphold the alternative hypotheses 2, 4 and 5. The research recommends that the formulation of effective policies to strengthen interest rate liberalization and financial innovation, thus promoting financial deepening, hence growth. The research also suggests that government could give priority to supporting financial widening in policy, promoting efficiency of capital allocation, thus promoting economic growth.
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Abubakar, M. T. "Customer relationship management processes in the Nigerian retail banking sector." Thesis, University of Salford, 2017. http://usir.salford.ac.uk/43740/.
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The acceptance and wide adoption of relationship management strategies stem from the strategic competitive advantage(s) associated with an excellent customer-bank relationship. Similarly, its acceptance by big organisations and its subsequent performance in those organisations from developed nations results in its proliferation to other parts of the world. Similarly, due to perceived novelty of Western-based business theories in other parts of the world, organisations in developing countries adopt relationship management strategies with less concern on how economic and systematic differences could affect their effectiveness. Although few studies have highlighted this challenge, however, they are largely conceptual. Recent studies argue for the need to explore the impact of external environment on relationship management in the retail-banking context in an environment where face-to-face interactions dominate the business interaction. In an attempt to fill this gap, the researcher conducts a qualitative case study that draws on twenty-nine semi-structured interviews from three Nigerian banks. The researcher also reviewed banks' documents and secondary data on Nigeria/Sub-Saharan African banks based on the view that perception of relationship management by actors and implementers of the strategy affects its implementation, performance and success. Specifically, the research examines how managers perceive and implement customer relationship management, how external variables affect relationship development and management in the retail-banking sector, as well as how banks engage the use of technology in relationship management. The researcher uses within and cross-case analysis during data analysis. At data analysis stage, after initial pilot study, themes that emerged have been used to address the research questions. In the end, the study argues that external environment, specifically institutional frames, affects the effectiveness of relationship management in non-Western culture. Specifically, the study shows that in a bottom of the pyramid market, interpersonal relationship influences the effectiveness of relationship marketing approach of a bank, as banks conceptualise interpersonal relationship as an important instrument in marketing to customers. Lack of strong institutions and vital infrastructure results in weak system-based-trust, and thus interpersonal trust influences relationship initiation and management strategy of the banks, as customers accord value to effective trust – trust at a personal level. Further contribution shows how interpersonal relationship was supported by the presence of religious, racial and ethnic affiliation that encourage relationship development and management. Reflection of religious and ethnic affiliation through religious dress, religious greetings, language and tribal affiliation create identity relations and facilitate relationship initiation and development between boundary spanning elements and customers in the Nigerian retail-banking context. As weak system-based-trust affects bank-customer communication dimension, hence customer relationship management at the customer-facing level, the impact of interpersonal relationship and hence religious and ethnic affiliation in trust formation become strong. Thus, the study extends the impact of religion and ethnicity to non-Western context and the influence of religion and ethnic affiliation to conventional bank relationship literature. Based on these findings, the study recommends developing strategies that will negate and reduce the cost effect of high present of face-face-face interaction in the Nigerian retail-banking context, such as using incentives to promote the use of technology-enabled service delivery channels that link customers directly with the bank. Promotion of such channels may reduce high dependent on interpersonal channels and strengthen the link between banks and their customers. Furthermore, the study recommends the development of policies that will reduce the effect of risk associated with technology-enabled channels usage and hence excellent customer bank relationship. Consequently, the study recommends further study on the effectiveness of relationship marketing in mobile money (a form of banking method for retail customers in Sub-Saharan Africa), in relation to micro and small businesses that constitute significant percentage of retail banking customers in Nigeria.
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Forster, Lisa J. "The Banking Industry's Relationship with Reporters: Cultivation through Risk Management." Ohio University / OhioLINK, 2007. http://rave.ohiolink.edu/etdc/view?acc_num=ohiou1195152936.
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Parker, Lukas Jay, and lukasparker@gmail com. "Trust and the Australian retail banking industry : the impact of deinstitutionalisation of Australian retail banking services on consumer trust." Swinburne University of Technology, 2005. http://adt.lib.swin.edu.au./public/adt-VSWT20051117.105403.
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Consumer trust research has principally developed from established psychological-based research. This conception of consumer trust largely draws from research pertaining to interpersonal trust. This study combined existing
theories from both sociological and psychological research in developing a consumer trust model specifically for banks.
Partly because of their historical position in society and also because of their
government-protected position, banks, bank branches and bank managers have traditionally held a respected, and trusted position in Australian communities. Because of this reputation and position in communities, banks were seen to display institutional attributes. These attributes were defined in this study as local community focus, local availability and visibility, relationship power symmetry and social obligation fulfilment.
This study explored the notion of institution-based trust in an Australian retail banking context. Institution-based trust was a measure of the levels of consumer trust in various defined institutional attributes. It was contended that through the diminishment and divestment of its institutional attributes banks were impairing their institutional cachet. The process was termed 'deinstitutionalisation' and was postulated to have a negative impact on consumer trust.
The hypothetico-deductive methodological framework was employed throughout the study, with a mail-based consumer survey used as the main means of primary data collection. 468 useable questionnaires from adult bank customers were yielded and the data analysed. These data were analysed and used to test twenty-three
research hypotheses of which nineteen were supported.
From the results, it was concluded that perceived local community focus, perceived social obligation fulfilment and perceived relationship power symmetry were antecedents to consumer trust in banks. Also, reasonable availability of conventional bank branch services was found to be an important component of perceived community focus of their banks, thus having an indirect relationship to
institution-based consumer trust in banks. Community Banks were found to be exhibiting and promoting many of these institutional attributes.
Consumers were found to be less likely to need bank branches for transactional or functional purposes, but branches were seen to be symbolically important. Also, consumers were found to be more likely to identify with intangible elements of their bank, principally bank brand, than with tangible attributes such as the bank branch. Importantly, consumers were found to be trusting of their banks, however
they were more likely to believe that banks were less trustworthy now than they were in the past.
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Black, Angela Jean. "An empirical analysis of the relationship between UK speculative assets and business conditions." Thesis, University of Dundee, 1994. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.318917.
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Jeong, Woocheon. "Three essays on the relationship between the banking sector, the real sector, and the political environment." Morgantown, W. Va. : [West Virginia University Libraries], 1999. http://etd.wvu.edu/templates/showETD.cfm?recnum=416.
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Thesis (Ph. D.)--West Virginia University, 1999.Title from document title page. Document formatted into pages; contains x, 91 p. : ill. Vita. Includes abstract. Includes bibliographical references.
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Carroll, Rachel Art College of Fine Arts UNSW. "What kind of relationship with nature does art provide?" Awarded by:University of New South Wales. Art, 2007. http://handle.unsw.edu.au/1959.4/43308.
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The relationship with nature through art has been explored as a two fold bond. The first considers a relationship with nature via art and science, where the history and contemporary application of scientific illustration in art is explored; while the second explores past and present connections with nature via art and the landscape, particularly the panoramic tradition. Historically these relationships have predominately been about dominating nature, mans dominion over the land. Science was seen as the only authority, while our relationships with the land in art, positioned the viewer at a commanding distance above and over the land, as seen in the post colonial panoramic tradition. In contrast, -The Coorong Series- explores a lived history with nature rather than the historical role of dominance. -The Coorong Series" explores a relationship of knowledge, understanding, and the experience of nature; through two parts. The first combines art and science in -The Coorong Specimen Series', to explore the facts and knowledge that science has provided about certain plants, birds and marine life from the Coorong. Inspiration has been derived from 19thC scientific illustrations and the lyrical prints of the Coorong by Australian Artist John Olsen. Part two explores the immersive experience of the iconic landscape in ???The Coorong Landscape Series" providing a relationship that seeks to understand the functionality of the location and to celebrate the unique beauty of this diverse region. Inspiration has been gained from the landscapes by l8th and 19th C artists John Constable and Claude Monet, along with landscapes by contemporary artists, John Walker and Mandy Martin. Through aesthetic notions such as scientific illustration, panoramic landscape, immersive scale, the collection of work, an expressionistic use of paint, and labeling of each piece like a museum display. -The Coorong landscape series" provides an exploration of a region that immerses the viewer in an experience of the location. The series portrays a relationship with nature through art that educates the viewer about The Coorong region. Connections are made between the land, birds, plants, fish, and human interaction; which results in an ecological consideration of the Coorong. Ultimately it is the educational experience that art provides allowing the viewer to explore a plethora of relationships within nature, and to explore how these relationships have changed or continue to exist within this era.
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Sweeney, David. "The Lake Ontario Greenway and nature, reflections on relationship." Thesis, National Library of Canada = Bibliothèque nationale du Canada, 1999. http://www.collectionscanada.ca/obj/s4/f2/dsk1/tape4/PQDD_0020/MQ56208.pdf.
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Farber, Jeffrey W. "Natural interactions : a commentary on our relationship with nature." Virtual Press, 2008. http://liblink.bsu.edu/uhtbin/catkey/1391229.
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The objective of this creative project is to develop a series of paintings in oil on canvas that focus on the issue of mankind's crumbling relationship with the natural world. The paintings will be produced through a process that begins with an intuitive abstract approach and will later develop layered representational imagery. My technique of painting involves initially choosing and mixing colors without regard to the finished painting, allowing the subconscious to determine the direction that the painting will take. Upon completion of the under painting, I begin creating stencils and layering imagery that provoke thought concerning nature and our place in it. This collection of paintings is representative of the process I have developed through a wide variety of influences, and is a means of communicating my concern for the ever dwindling natural environment and our connection to it.Department of Art
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Jahan, Israt. "Agent banking as a relationship marketing tool by banks in Bangladesh." Thesis, Linnéuniversitetet, Institutionen för marknadsföring (MF), 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:lnu:diva-89775.
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With growing number of adult people not owning a bank account,efforts are being made to bring banking services to the unbanked populations.Relationships marketing plays a crucial role in establishing and sustaining beneficial relationship in the banking industry. This study sought to explore the link between agent banking and relationship marketing through an exploratory qualitative approach.The findings show that agent banking as a fairly new phenomenon relies on the integration of different functions within the bank with a strong emphasis on the role of technology,processes and personnel to delivder services that can be acceptable to the customers so as to create long lasting beneficial relationships. Through semi-structured interviews with employees of 6 banks that offer agent banking in Bangladesh,this study contributes a key reflection document on implemenation of agent banking for other banks that intend to start offering agent banking services in Bangladesh.
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King, Caroline. "The relationship between corporate sustainability and innovation in the South African banking sector." Diss., University of Pretoria, 2010. http://hdl.handle.net/2263/24249.
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The role of banks in sustainable development has been growing with prominence internationally. Therefore, research was undertaken to ascertain the approach of South African banking sector in respect of corporate sustainability or sustainable banking. The purpose of this research was to further explore the business case thereof in the SA context and specifically where it pertains to product and market innovation. A qualitative research methodology comprising an exploratory research design was applied, consisting of in-depth interviews and secondary data research of a sample of SA banking organisations. Findings indicated that SA banks primarily view corporate sustainability from an integrated approach. The South African macro-environment and national priorities play an important role in determining corporate sustainability initiatives. Accordingly, risks and opportunities are manifest (as part of a regulated and compliance-driven industry). Considering the national context and unique needs of stakeholders, there was evidence of a relationship between corporate sustainability and product and market innovation. However, not all opportunities from a business case perspective and in product and market types have been exhausted in this space. CopyrightDissertation (MBA)--University of Pretoria, 2010.
Gordon Institute of Business Science (GIBS)
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Zhang, Ting Ting. "Relationship banking in the corporate banking sector since the financial crisis of 2007-2009 : case studies of eight banks." Thesis, University of the West of Scotland, 2013. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.744783.
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Elsharnouby, Tamer Hamed Safwat. "Relationship marketing: rhetoric and practice in the Egyptian retail banking sector." Thesis, Keele University, 2010. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.518338.
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Jones, Andrew Malcolm. "Deconstructing globalization : the nature of transnational business activity in the investment banking and management consultancy industries." Thesis, University of Cambridge, 2001. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.621095.
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Beelman, Amanda M. "Healthy Habitats: The Role of Architecture in the Human Relationship with Nature." Cincinnati, Ohio : University of Cincinnati, 2005. http://www.ohiolink.edu/etd/view.cgi?acc%5Fnum=ucin1116350931.
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Ibrahim, Bibi Bashirah. "The relationship between views of the nature of science and views of the nature of scientific measurements." Master's thesis, University of Cape Town, 2005. http://hdl.handle.net/11427/8661.
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Includes bibliographical references (leaves 124-132).This study builds on the work started by a collaboration between researchers at the University of Cape Town, South Africa, and the University of York, UK, which focused or undergraduate physics students' understanding of measurement and uncertainty. The work led to the development of a paradigmatic model which has been found to be useful for classifying students' views on measurement during experimental work. In brief, in the "set" paradigm the ensemble of data is modelled by theoretical constructs from which a "best estimate" and the degree of dispersion (an interval) are reported. However, the majority of students who arrive at university operate within the "point paradigm". They subscribe to the notion that a perfect measurement is one which has no uncertainty associated with it. For many students, therefore, the ideal is to perform a single "correct" measurement with the utmost care. When presented with data that are dispersed, they often attempt to choose the "correct" value (for example the recurring value) from amongst the values in the ensemble. The present work explored the relationship between students' views on the nature of science (NOS) and the nature of scientific measurement. Modifying and supplementing existing diagnostic items in both areas of measurement and nature of science, the VASM (Views About Scientific Measurement) questionnaire was developed, piloted and administered to 179 first year physics students at the University of Cape Town. An analysis of the responses resulted in four profiles of students' views on the nature of science. It also revealed that students who view measurement according to the point paradigm generally have an objective view about science, perceive the purpose of scientific experiment to prove a phenomenon to be correct and use the ‘scientific method' to get a predicted answer in order to be consistent and successful in the scientific endeavour. Set paradigm students acknowledge the importance of human inference in science and scientific experiment is considered as a tool to understand the behaviour of nature. The consequences of this work for the teaching and learning of physics at a tertiary level are discussed.
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Mngqibisa, Oscar Themba. "The relationship of humankind and nature according to Psalm 8." Thesis, Link to the online version, 2006. http://hdl.handle.net/10019.1/1279.
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Sweet, Ronald F. "Rekindling earth awareness and the young child's relationship with nature." Thesis, National Library of Canada = Bibliothèque nationale du Canada, 1998. http://www.collectionscanada.ca/obj/s4/f2/dsk2/ftp03/MQ31375.pdf.
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French, Mark J. "The nature of the relationship between market orientation and performance." Thesis, Loughborough University, 2011. https://dspace.lboro.ac.uk/2134/8950.
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A review of the literature indicates that a universally enhancing relationship between market orientation and performance is not conclusively supported. Recent research suggests that the relationship between marketing investments and profit may be inverted U-shaped such that there is an optimal level of marketing investments which maximises profit (Mantrala et al 2007). In this study, it is proposed that market orientation has different curvilinear relationships with different types of performance. Using a performance categorisation suggested by Kirca et al (2005), it is theorised that market orientation s relationship with revenue-based performance (e.g. sales growth, market share growth) is subject to diminishing returns such that performance is enhanced for all levels of market orientation but the incremental benefits diminish as market orientation increases. For cost-based performance (e.g. profit, return on sales), it is proposed that the incremental costs of implementing market oriented activities may exceed the benefits. Thus, cost-based performance may have an inverted U-shaped relationship with market orientation. Three mechanisms by which diminishing returns affect the market orientation - performance relationship are identified; duplication, contradiction and prioritisation. A review of over 400 papers in the market orientation literature demonstrates that a research gap exists for different curvilinear relationships between market orientation and different types of performance. In particular, an inverted U-shaped relationship has not previously been found between market orientation and profit. A sampling frame was selected to control for both the macro-environment, and different performance levels in different industries (Dess and Robinson 1984). In a sample of 113 UK car dealers operating in the new car market the hypothesised relationships were tested using both objective and subjective performance measures. The findings relating to objective performance measures support the full inverted U-shaped relationship between market orientation and profit across the observed range of values. The relationship for objective revenue-based performance is more curvilinear with significant linear and curvilinear components. In highly competitive environments maximum profit shifts to a higher level of market orientation and overall the relationship is predominantly enhancing. Conversely, in uncompetitive environments profit is maximised at a lower level of market orientation and the relationship becomes detrimental at moderate market orientation levels. In recession, the profit for all new car dealers is reduced and maximum profit occurs at a lower market orientation level. In addition, the relationship between market orientation and sales growth turns negative in a recession. Interestingly, the results for subjective performance are distinctly different to, and sometimes contradict, the objective performance results. In particular, subjective performance predominantly has a positive linear relationship with market orientation.
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Albertazzi, Ugo. "Essays in banking." Doctoral thesis, Universite Libre de Bruxelles, 2011. http://hdl.handle.net/2013/ULB-DIPOT:oai:dipot.ulb.ac.be:2013/209878.
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Cette thèse contient trois études sur le fonctionnement des banques.Le premier Chapitre analyse empiriquement comment la capacité d’offrir des emprunts à long terme est influencée par la dimension des intermédiaires financiers.
Le deuxième Chapitre analyse, avec un model théorique caractérisé par la présence de soft-budget constraint, ratchet effect et short-termism, comment la pression compétitive influence la capacité des banque de financer le firmes ayant des projets de bonne qualité.
Le troisième Chapitre examine, avec un model théorique du type moral hazard common agency, le conflits d'intérêts des banques universelles.
Financial intermediaries are recognized to promote the efficiency of resource allocation by mitigating problems of incentives, asymmetric information and contract incompleteness. The role played by financial intermediaries is considered so crucial that these institutions have received all over the world the greatest attention of regulators.
Across and within banking sectors it is possible to observe a wide variety of intermediaries. Banks may differ in their size, market power and degree of specialization. This variety raises interesting questions about the features of a well functioning banking sector. These questions have inspired an important body of economic literature which, however, is still inconclusive in many aspects. This dissertation includes three studies intending to contribute in this direction.
Chapter 1 will empirically study the willingness of smaller and larger lenders to grant long-term loans which, as credit to SME's, constitute an opaque segment of the credit market. Chapter 2 analyzes, with a theoretical model, the effects of competition on the efficiency of the banking sector when this is characterized by dynamic commitment issues which brings to excessive refinancing of bad quality investments (so called soft-budget constraint) or excessive termination of good ones (ratchet effect and short-termism). Chapter 3 presents a model to investigate to what extent the distortions posed by conflicts of interest in universal banks can be addressed through the provision of appropriate incentive schemes by the different categories of clients.
Doctorat en Sciences économiques et de gestion
info:eu-repo/semantics/nonPublished
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Zhang, Song. "Impacts of relationship banking and capital market concentration on small business finance." Thesis, University of Surrey, 2016. http://epubs.surrey.ac.uk/811005/.
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Small business is important to U.S. economy. However, they are difficult to obtain external finance. Since 1990s, deregulations happened in the U.S. banking market and affected small business finance greatly. Relationship banking is an effective lending technology for small business finance. Therefore, this thesis aims to investigate the nature of relationship banking and its impacts by using the data from U.S. Survey of Small Business Finances 1993, 1998 and 2003. The survey is led by U.S. Federal Reserve Board and it is representative and comprehensive for U.S. small business finance. The thesis contains three pieces of empirical research on small business: 1. Investigation on the impacts of relationship banking and banking market concentration on capital structure. Findings: relationship banking has favourable impacts on the availability of external finance for small firms. 2. Examination on the primary banking relationship switching behaviour and its impacts on loan terms. Findings: such switching behaviour decreases loan approval rate, increases borrowing cost and lengthens loan maturity. 3. Investigation on the determinants of communication in person approach with primary banks and its impacts on small business finance. Findings: ‘soft information’ transmission strengthens the banking relationship, reduces the borrowing costs and improves the availability of finance. The contributions to the existing knowledge regarding small business include: 1. First to investigate the reverse financial life cycle effect of relationship banking on small business’ capital structure; 2. First to examine the impacts of “switching behaviour” on certain terms of loan deals; 3. Frist to capture the beneficial effects of soft information communication on banking relationships, borrowing costs and discouraged borrowing. This thesis sheds lights on policy agenda/debate as follows: 1. Government would be wise not to increase banking market competition. 2. Encouragement from the policy aspects on the innovative information technologies making soft information transmission computerized is meaningful.
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Matagne, Sébastien, and Mark Gérard. "The role of Relationship Marketing for Customer satisfaction in the banking sector." Thesis, Högskolan i Halmstad, Sektionen för ekonomi och teknik (SET), 2013. http://urn.kb.se/resolve?urn=urn:nbn:se:hh:diva-23706.
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More and more companies are faced with fierce competition; ergo, companies are consistently trying to build a long term relationships with their customer. In addition, a decade ago, relationship marketing gained more and more credibility among the companies and is still a topic of discussion today. Therefore, this study is aimed to describe how service firms can use relationship marketing as a strategy to develop customer satisfaction. A theoretical framework has been developed derived from a review of the existing literature in order to describe how service firms can use relationship marketing as a strategy to develop customer satisfaction. Five different tactics have been empirically investigated, namely the service quality, brand image, price perception, value offers and communication. A qualitative method has been chosen for this study. Three different companies have been studied within the banking sector and have been led by an inductive and deductive approach which will aim to investigate the aforementioned theoretical framework. The analysis of the empirical findings exposed and discovered some relevant findings. Indeed, empirical evidence suggests that four main customer relationship tactics have a role on customer satisfaction and trust; namely the service quality, the brand image, the price perception and the human capital. These tactics have been identified as having a crucial role on gaining customer satisfaction.
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Chen, Hsiao-Chi, and 陳曉琪. "Relationship Banking –Evidence from Global Countries." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/84086431228730261287.
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碩士國立中興大學
企業管理學系所
94
In the era of the globalization, the influence among countries is getting higher and butterfly effects happen all the time. The financial health of a country is closely related to economic stability and this is exactly the reason why financial institutions are strictly controlled by government authorities. This paper is aimed to discuss the effects of nation-wide evidence for the development of politics, finance and economics in view of the opaque information channels between small firm and commercial bank during 1996-2004. Meanwhile, we analyze why firms choose single banking or multiple banking. Finally, we evaluate the competition influences on relationship lending. The empirical results show that: (1) the relationship lending is influenced by the quality of the government management and how many restricts on banking. (2) While concentration of bank industry is getting higher, the company will choose multiple banking; and when the ratio of direct finance is ascending, banks will select relationship lending so that they can make more profit. (3) As a country is threatened by the systemic banking crisis, the economic of a country is too unstable to fund small firms with opaque information channels, and the opportunity of single banking relationship is rising. (4) Small firms prefer to build relationship with few banks so that they can get loan from bank if required. (5) Firms with the primary bank in financial distress are more likely to resort to multiple banking for better protection; however, they probably only care about low interest cost yet ignore the bankruptcy risk of primary bank of BKROEPRIM10%.
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Yi-TingWu and 吳宜庭. "The relationship between banking business and management and non-performing loans in Taiwan - Consumer Banking vs. Institutional Banking ＆ Public Banking vs. Private Banking." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/583ejp.
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碩士國立成功大學
財務金融研究所
105
This paper discusses a multiple linear regression conducted during the first quarter of 2008 to the third quarter of 2016 on 38 banks separately for banking business (consumer banking and institutional banking) and management (private banking and public banking) to examine the determinants of non-performing loans in the Taiwanese banking sector. It is found that the influence of bank characteristics on NPLs is low, especially considering bank specific factors, such as NPLT-1, size, return on equity, and the capital adequacy ratio in the models, which mitigate the effect of bank characteristics. Therefore, there is insufficient evidence to support our hypothesis. However, this research may help us to understand and provide information to financial institutions regarding the potential effect of both macroeconomic and bank-specific variables on NPLs.
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Huang, Fu-Cyuan, and 黃茀荃. "A Study of the Relationship among the Physical banking service quality, Internet Banking service quality and Customer Relationship." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/08866340380317679638.
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碩士銘傳大學
應用統計資訊學系碩士班
102
With the development of World Wide Web, Internet banking has been widely set up in order to improve the service quality and the market competitiveness of the banks. Although the operating environment is different, there are a lot of similarities between Internet banking and physical banking. The purpose of this study was to explore the relationships between service quality of physical banking and Internet banking; it is also aimed to investigate the interrelationships among customer service, customer trust and customer loyalty. The participants of this study were bank customers who have experience in using both physical and Internet banking. Online questionnaire survey was applied to collect data. Linear Structural Equation modeling was employed to explore the path relationships among factors, and a customer relationship model was constructed in the end of the study. Result revealed that gender and age have significant relationships with the most of the factors in the model. In terms of service quality, a significant positive influence was found between service quality and customer trusts in physical banking; a significant positive influence was found between service quality and customer satisfaction in Internet banking. In terms of customer relationship, a significant positive influence was identified between customer satisfaction and customer trust; a significant positive influence was identified between customer trust and customer loyalty. It is also found that the service quality in physical banking is significantly positively influence with the service quality in Internet banking. This study is hoped to provide references for the banking industry, so that different marketing strategies could be developed for different customers in the future.
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CHIOU, LENG-YA, and 邱稜雅. "Banking Relationship, Agency Problem and Investment Risk." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/30811753435001615323.
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碩士銘傳大學
風險管理與保險學系碩士在職專班
104
Whether a company’s investment risk increases because it executes helpless investment as money readily available under closely banking relationship? Whether the association between banking relationship and investment risk exacerbates because of the company's severe agency problem? We use the proportion of a company's bank loans on total debt and banking number which a bank contacts to present banking relationship. The investment-cash flow sensitivity and over-investment are on behalf of the investment risk respectively. Agency problems are indicated by the dual of chief executive officer and controlling stockholder as well as the deviation of the control rights and cash flow rights. We find that the bank relationship will effect the imvestment risk positively. The company's agency problem will enhencethe positive relationship between abundant bank funds and investment risk, as the result of lacking oversights on managers.
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Nasser, Noura. "The relationship between nature and furniture." Master's thesis, 2021. http://hdl.handle.net/10400.26/38257.
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Nossa interação sensorial é moldada por nosso relacionamento com a natureza e a interpretação do que nossos sentidos registram. Isso faz com que os componentes se sobreponham. Aprenda sobre diferentes estímulos sensoriais. Isso é especialmente verdadeiro para os materiais e formas visuais e sensoriais, onde é por meio de nossa experiência de vida que criamos uma intuição. As ligações entre as propriedades da luz e sua aparência. Fonte. Este projeto visa conectar as linhas naturais com o nosso entorno. E permitem a análise dos materiais da natureza, inclusive da luz. Forma natural usando design e linguagem sensorial para criar uma sensação visual física. Aplicado pelo projeto de iluminação do elemento.
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Ravesteyn, Louis Johannes van. "The effect of relationship banking on customer loyalty in the retail business banking environment." Thesis, 2005. http://hdl.handle.net/10500/154.
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Customer relationship management (CRM) as an academic subject and a business tool is as relevant today as ever before. As part of the CRM model banks have implemented the concept of relationship banking. The retail banking industry has been troubled with the issue of customer loyalty as both personal and commercial customers have shown the tendency to utilise different products and services from different banks or financial institutions. The problem seems to be Customer Loyalty (or is it?), which as a field of research has been exploited in recent years. The aim of the research report will be to contribute to the existing research on Customer Loyalty and the effects of Relationship Banking (as part of a CRM model) thereon.Relationship banking, as exemplified by retail banks, is a valuable enabling strategy that promotes competitiveness and provides sustainable success. The utilisation of relationship banking as a business strategy to increase customer retention, create customer loyalty and ultimately increase long-term profits is a relative young tactic, originating in the 1980s and gathering pace during the 1990s. The correct application of relationship banking could impact on the bottomline of banks favourably. Hence the positioning of this research to investigate the effect of the relationship banking offering on customer loyalty, and its use in realising customer loyalty and long-term value from relationship banking initiatives. The retail banking industry in South Africa is a complex and very competitive environment, which is dominated by the big four banks (ABSA, First National Bank, Nedbank, and Standard Bank). It is a business imperative for the management of the banks to ensure that they establish, develop and improve relationships with their most important asset, their customers. Operating in such a dynamic environment requires of banks to fully understand all the factors of relationship banking that affect their success and market share. What is the impact of relationship banking on customer loyalty, and what are the possible results that can flow from a close relationship between bank and customer? The main research hypothesis states that business customers who receive the relationship banking offering from their retail bankers are more loyal towards their bank than those business customers who do not receive the relationship banking offering. With this in mind the research seeks to clarify specific primary objectives based on the hypothesis: • To investigate the impact that relationship banking has on the loyalty of business banking customers in the retail banks in South Africa. ii • To identify the critical factors of relationship banking that can influence customer loyalty. • To identify the benefits of relationship banking and customer loyalty. The research composed of a field study in the retail banking industry, with a sample of 80 business banking customers with a close business relationship with their banker or having a personal banker looking after the relationship, and 80 business customers without a close business relationship with their banker or no personal banker looking after their relationship. The survey focused on the attitude or perception of business customers based on relationship and loyalty dimensions. The research, in combination with the literature review provided valuable insight into the factors influencing relationship banking, its value as part of a retail business banking proposition, as well as the effect it has on customer loyalty. It also provided insight into the importance of customer loyalty and its impact on customer retention and long-term profitability. It is clear from the literature review and research that a relationship banking offering adds value with regard to customer retention and loyalty. The results and findings from the research and literature review represent a remarkable difference between the perceived levels of customer loyalty of the two groups. This is an indication that relationship banking affects customer loyalty positively. The critical factors of relationship banking that were found to influence customer loyalty included the value proposition, service and quality, employee competency (relationship banker), price, reward and recognition, and communication. The benefits of developing and building customer loyalty included: retention of customers and staff, customer satisfaction, trust, word of mouth referrals and growth, cost reduction, cross-sales, profitability (relationship lifetime value) and enhancing the bank’s competitive advantage. iii The researcher recommends that retail banks must continue to implement relationship banking offerings across all business customer segments. A possible consideration will be to divide the relationship banking offering on different levels: high-touch; medium-touch; and low-touch. These different value propositions should represent mutual (bank and customer) requirements and financial feasibility for banks. Banks must place customer-centricity at the core of their relationship banking strategy. To support the relationship strategies banks need to understand the behaviour of their customers and their buying habits. Market segmentation is a critical aspect of relationship marketing and the segmentation of business customers must be in line with the different levels of relationship offerings. Segmentation should also be in line with customer value or customer profitability, complexity of financial demands, annual turnover and industry. This segmentation will allow banks to provide the correct relationship banking offering to the right customer. To support the segmentation process banks need to be able to determine the individual customer profitability. Management information systems must be developed and used to determine the customer’s profitability. Once the segmentation has been concluded banks must implement and use applicable CRM strategies and CRM systems to complement the relationship banking offering. It’s about knowing their customers well enough to determine the kind of relationship they would like to have. Banks must also try to extend their CRM strategy across all customers. The support from top management and understanding of the relationship banking offering is critical as a lack of support can derail the success. The main recommendations for further study that transpired from the research included: • Research on the calculation of relationship life time value. iv • Research on a model for appropriate market segmentation of business banking customers in South Africa. • Research on the importance of reward and recognition strategies to valued customers, plus loyalty programmes. • Research on the key characteristics of relationship bankers.
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Ching, Tu-Shin, and 荊篤信. "Internet Banking Relationship with Bank Performance Case Study." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/69778193913062777677.
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碩士淡江大學
全球華商經營管理數位學習碩士在職專班
99
In recent years, under the development of financial institutions in Taiwan, We found that, no matter for banking industry, insurance agencies, local credit unions or other financial institutions, the number of physical channels and the scale of market share seem to be the important criteria for the measurement of their business performance. In other words, the expansion of the number of branches seems to be a progress for their market share. However, under the fast growing electronic financial markets, to expand the branches of the financial institutions is not the way to attract their new customers and to lower their operating cost. The appropriate way to fast achieve the goal of attracting customers and reducing costs is to develop Internet banking. Owning to the low cost of Internet system and the 24-hour service characteristic, the network access system seems to be the strong desire of the financial institutions for their operation and development. However, will the continuing investment in network resources improve the overall performance? The rapidly growing of Internet banking might lead to the increase in the operating and personnel costs. Under the phase of the saturated condition that Taiwan’s banking system if over-banking, we are trying to investigate whether the expansion of the internet banking will improve the bank’s operating performance. The aim of this study is to investigate the effect of the internet banking on the bank’s operating performance of ROA and ROE using sample data of 32 banks of Taiwan.
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Lu, Chiu Lung, and 盧萩榕. "The Effect of Banking Structure on Relationship Lending." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/82283900018714396919.
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碩士國立中興大學
財務金融系所
96
The bank loan is an important source of the fund demand of small enterprise, and the bank’s finance supervise role can solve the information asymmetry problem between debtor and the enterprise. When the cooperation of bank and enterprises is relied on the offering of information inside enterprises then called as the relationship lending, this kind of relationship is especially important to the small business. But if the cooperation do not need to keep in close touch then claim as the transaction lending. We judge the information asymmetry for four parameter, sales, fixed assets, number of bank relation and listing in order to understand the loan relation between enterprise and bank under different bank characteristics. In the small enterprise, we find the large bank, high non performing loan, and high profitability bank tend to cooperation with little sales, fixed assets company and that lend from single bank. In the medium-and-large sized firm, the bank with long life and high risk tend to get transaction lending. The bank with the higher earning, have intention to carry on the relationship lending. When the enterprise''s information is relatively low in transparency, than the enterprises will grant the loan with fewer banks. If the characteristic of company belongs to low information transparency, there will loan with less then 5 banks at the same time. And if the company lend with more then 6 banks at the same time, than the characteristic of company is high information transparency. The establishment of holding bank in Taiwan apparent to influence the type of lending. The result finds the holding bank tend to attributed the resources on enterprises with high transparency in information, and doing the transaction lending, then squeeze the proportion of the loan to the small business. The large bank make loan to little company changing from the transaction lending into relationship lending.
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Huang, Tien-Yuan, and 黃添源. "A Study of Relationship Marketing in Retail Banking." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/97912706089805398762.
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碩士國立高雄第一科技大學
行銷與流通管理所
94
Abstract Not only the modern banks emphasize marketing, promote various kinds of marketing strategy, and provide different financial goods, but also establish mutual interests and long-term relationship with the customers. The study is to probe into the influence that relationship marketing has on relationship quality, customers public praise and cross-buying from retail financial service in banks. The purpose of research aims at probing into（1）The influence that the leading factors such as the profession of banking personnel, perceptions of convenience, relative price and so on have on customers relationship quality（2）The influence that customers relationship quality in banks has on word of mouth and cross-buying（3）Offering the financial institutions the tactics to carry out relationship marketing strategy. The real study result is found:（1）The more specialized the sales force of the bank is, the better relationship quality between the customers and the bank is（2）The more convenient the bank for the customers is, the better relationship quality is（3）The better the relative price the bank supply to the customers is, the better relationship quality is（4）The better the bank and customers relationship quality are, the better word of mouth is（5）The better the bank and customers relationship quality are, the better cross-buying is.
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Cheng, Chia-ching, and 鄭嘉慶. "The relationship between banking panics and business cycles." Thesis, 1997. http://ndltd.ncl.edu.tw/handle/97464282907280932613.
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