Tài liệu miễn phí Ngân hàng - Tín dụng
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Wenn man denkt: Was könnte alles passieren, dann hat man schon den Finger an der Bremse.“
Dieser Satz des Radrennfahrers Erik Zabel bringt das Dilemma auf den Punkt, das man in
einer Leistungsgesellschaft wie der unsrigen immer wieder spürt: Auf der einen Seite steht
der Leistungsdruck einzelner und der Leistungsdruck ganzer Unternehmen, auf der anderen
Seite die Angst. Nämlich davor, dass etwas Unvorhergesehenes, etwas Schlimmes passieren
könnte, aber auch davor, dass etwas Erwünschtes nicht passieren könnte. Wie man es dreht
und wendet: Angst ist immer....
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Für die kleinen und mittleren deutschen Unternehmen sind
schwierige Zeiten angebrochen. Bis zum August 2008 wurde die
Diskussion über die verschlechterten Kreditvergabepraktiken der
Banken vor allem durch Basel II und den zunehmenden Kostendruck
bei den Banken selber bestimmt.
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Throughout this paper, we consider a valuation method for contingent claims
taking control of shortfall risk into account in the framework of complete
market models. After giving a general form of the valuation, we shall deal
with models whose underlying assets are described by diffusion processes,
and obtain a result for American type claims.
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Next: la prossima puntata del mondo. Sarà globalizzazione?
Alessandro Baricco parte da qui. E si interroga con la semplicità che
esigono i fenomeni più complessi. Cosa intendiamo con globalizzazione?
È solo uno slogan? È un paradiso inevitabile o un inferno annunciato?
È come l'Illuminismo o come la Rivoluzione industriale? Mette in circolo
idee che mutano il corso degli eventi o produce eventi che mutano il nostro
modo di pensare? Baricco mette alla prova definizioni incerte, esemplifica,
immagina, racconta, e via via sgomitola un filo di pensieri che ci riportano
lì. Al problema che ci riguarda tutti....
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Amway Corporation marked its 50th anniversary in May 2009
with a glitzy celebration at the MGM Grand on the Las Vegas
Strip. Spotlights swept across the crowd of well-dressed people
who had come from all over the world for the event. A movie theater–
sized screen splashed the Amway logo against a cobalt blue background.
Cameras fl ashed and music pulsated. The upbeat mood and excitement
inside the auditorium felt similar to the energetic vibe at a national
political convention or a religious rally....
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I first met William after he won the 1998 Ernst & Young Entrepreneur
of the Year (EOY) award, which continues to be sponsored by
the Kauffman Foundation. William went on to become one of the most
active judges for EOY award competitions—at the local, national, and
global levels. We have also shared the stage at many events, most
recently as speakers at the Milken Global Institute conference.
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Questo saggio vi parla del più grande crimine in Occidente dal secondo dopoguerra a oggi. Milioni di
esseri umani e per generazioni furono fatti soffrire e ancora soffriranno per nulla. I dettagli e l’ampiezza
della loro sofferenza sono impossibili da rendere in parole. Soffrirono e soffriranno per una decisione
che fu presa a tavolino da pochi spregiudicati criminali, assistiti dai loro sicari intellettuali e politici. Essi
sono all’opera ora, mentre leggete, e il piano di spoliazione delle nostre vite va intensificandosi giorno
dopo giorno, anno dopo anno....
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The ability of individuals to access information has never been greater thanks to
the internet. In the case of the Financial Market Meltdown of 2008, this has been
less than helpful for the intelligent lay reader who just wants to make sense of
what has happened and where things might go. A Google search for “financial
crisis” yields about 24,000,000 entries, and the crisis has spawned many hundreds
of books by journalists, academics, and others. Most of these books have
some merit or they would have ended up in the infamous slush heap of proposals
and manuscripts where every publisher and book agent consigns the vast
majority of...
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Business and commercial enterprise takes place within a legal context and, in the final
analysis, is governed and regulated by law. One of the problems facing the person
studying business activity, and the one that is specifically addressed in this book, is
the fact that business enterprise takes place within a general and wide-ranging legal
environment, but the student is required to have more than a passing knowledge of
the legal rules and procedures which impact on business activity. The difficulty lies in
acquiring an adequate knowledge of the many areas that govern such business activity.
Law students legitimately may be expected to focus their attention on...
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No matter which way they turn, organizations are increasingly expected to find
better and faster ways of responding to the change challenges presented by the
revolution in information technology, increased globalization, smarter customers,
and a constantly changing employee base. Are organizations successfully
responding to these challenges, or are they crippled by their inability to bring
about the necessary changes? How effective are organizations in managing
change? Are the change management or organizational development (OD) theories,
models, interventions, and change agent skills proving to be of value to
organizations in their efforts to change? If so, how can we improve on them?
If not, then what should we be doing...
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Performance measurement is an important concept for anyone managing
or investing institutional assets. Complying with the Global Investment
Performance Standards (GIPS®) provides individuals and firms with two
things: (1) guidance for the investment firm in achieving compliance with
the Global Investment Performance Standards—the GIPS standards—and
(2) detailed explanations of the rationale and methodology behind the
numbers.
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.Praise for Creating a Sustainable Organization
“Peter brings together the wide-ranging aspects of present and future organizations to bolster environmental, social, and governance (ES&G) performance, presenting a clean and clear understanding of organizational sustainability. There are two ways to take over the world in business within the income statement and balance sheet— cash and profits! Peter presents anecdotal and factual evidence for translating typical ES&G data into financial knowledge, ultimately to decrease bad costs, optimize use of assets, and increase the profitability of revenue streams.” —Michael R. Pisarcik, Director, Environment & Safety Management Systems, Sara Lee Corporation “Peter Soyka’s book Creating...
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When you stop and think about it, the concept of email as a communication
vehicle is a revolutionary one. Long before email became a marketing tool,
it was a communication device. The impact that email has had on our culture
and our lives is tremendous. Yet, many people forget the vast change in
communication that email has produced and think of email marketing simply
as a cheap or fast way to sell a product. Email deserves a much higher
level of respect.
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Every student of finance or applied economics learns the lessons of Franco Modigliani and Merton Miller. Their landmark paper, published in 1958, laid out the basic underpinnings of modern finance and these two distinguished academics were both subsequently awarded the Nobel Prize in Economics. Simply stated, companies create value when they generate returns that exceed their costs. More specifically, the returns of successful companies will exceed the risk-adjusted cost of the capital used to run the business. Further, these returns and the securities of the underlying companies must be judged against an uncertain backdrop, such that the risk-adjusted expected returns...
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Sono dieci anni che la Apple colleziona un successo dopo l’altro. La società di
Cupertino ha portato nelle case di milioni di persone non solo una tecnologia, ma
anche uno stile di vita. Chi compra un MacBook, un iPad, un iPhone non sta solo
comprando un computer, un tablet o uno smartphone; sta dichiarando
un’appartenenza. Sta dicendo qualcosa di sé. Ma cosa c’è dietro questo successo?
Cosa è riuscito a fare Steve Jobs che non sono riusciti a fare gli altri imprenditori?
Evgeny Morozov, l’enfant terrible del web, ha affilato la sua penna, ha preso un
bel respiro, e si è buttato a testa bassa contro i...
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Law schools today give the impression they are thriving. Many have magnificent
facilities with state-of-the-art technology. Their resources are the
envy of every department in the university. Law professors are among the
best paid in the academy, with sparkling credentials, and are sought after
not just as leading academic and legal figures but also as public intellectuals,
as consultants, and for important state and federal government positions.
The first decade of the twenty-first century has been a golden age of
plenty for law schools....
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This is a very personal book. It has grown out of my years
observing, advising and learning lessons from some of
the world’s most successful family-owned businesses and
business-owning families. Also, the book in a sense records my personal
journey through a period of remarkable change, beginning in an era (the
late 1970s) when family companies were largely seen as quaint anachronisms
of bygone times, and misunderstood as inefficient drags on entrepreneurialism
by dint of their under-investment and parochial management
style. I feel privileged to have witnessed and to have participated in the
transformation that has taken place in this viewpoint. Today, we appreciate
the strengths of family enterprises and...
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«Certi anni, come certi poeti e uomini politici e certe belle donne, si distinguono nettamente per fama dai loro simili: il 1929 fu evidentemente un anno del genere. Come il 1066, il 1776 e il 1914, è un anno che tutti ricordano. Uno è entrato all’università prima del 1929, si è sposato dopo il 1929 o non era ancora nato nel 1929». Così il grande economista John Kenneth Galbraith, dapprima testimone e poi studioso dell’epoca, apre la propria cronaca del Grande crollo, sottolineandone il carattere dirompente e la natura di spartiacque della contemporaneità nella memoria collettiva statunitense....
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The focus in this book is on the study of market risk from a quantitative point of view.
The emphasis is on presenting commonly used state-of-the-art quantitative techniques
used in finance for the management of market risk and demonstrate their use employing
the principal two mathematical programming languages, R and Matlab. All the code
in the book can be downloaded from the book’s website at www.financialrisk
forecasting.com
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This book is meant to be a practical guide for anyone
interested in having a fi nancially secure retirement. At times
technical points must be discussed, but this book is designed
to be a step-by-step guide to help people who want to help
themselves.It is not a get-rich-quick, or get-rich-slow, guide based on
teaching the principles of borrowing against property and
becoming a tycoon that way.
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The financial markets touch all of our lives. If you didn’t believe that in
years past, you surely do now after the tumultuous events of the late
2000s.
The workings and integrity of those markets are vital to our increasingly
global and interconnected economies.
If you’ve chosen a career that involves working in the securities industry,
you have a front-row seat in a dynamic and sometimes unpredictable field.
George (Tres) Arnett and I met many years ago at Yale University where
we both studied economics. And we have both spent our careers connected
to the financial services industry. The Tres I remember from those days was
intelligent, articulate, interesting, purposeful,...
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Forests are an integral part of global sustainable development. The World Bank
estimates more than 1.6 billion people to be dependent on forests for their livelihoods
with some 300 million living in them. The forest product industry is a source of
economic growth and employment, with global forest products traded internationally
is estimated at $327 billion. The Food and Agriculture Organization (FAO) estimates
that every year 130,000 km² of the world's forests are lost due to deforestation.
Sustainable forest management aims to ensure that the goods and services derived
from the forests meet present-day needs while at the same time securing their
continued availability and contribution to long-term...
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Die Faszination von Gold, Diamanten und anderen Edelsteinen
scheint ungebrochen. Fluch und Segen liegen häufig eng beieinander.
Dieses Buch nimmt den Leser mit auf eine Zeitreise, in der die wertvollen
Schätze das Schicksal der Menschheit immer wieder in neue
Bahnen lenken. Es ist die Geschichte glanzvoller Triumphe, grausamer
Niederlagen und unendlichen Leids, die vom ewigen Streben nach
Erfolg, Reichtum, Macht und Glückseligkeit erzählt.
Unumstrittener Herrscher im Reich der Preziosen
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Guidelines for Applying Protected Area Management Categories
Edited by Nigel Dudley
.Guidelines for Applying Protected Area Management Categories
.IUCN
Founded in 1948, IUCN (International Union for Conservation of Nature) brings together States, government agencies and a diverse range of non-governmental organizations in a unique world partnership: over 1000 members in all, spread across some 160 countries. As a Union, IUCN seeks to influence, encourage and assist societies throughout the world to conserve the integrity and diversity of nature and to ensure that any use of natural resources is equitable and ecologically sustainable. IUCN builds on the strengths of its members, networks and partners to...
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HEALTH AND ENVIRONMENT IN AQUACULTURE
Edited by Edmir Daniel Carvalho, Gianmarco Silva David Reinaldo J. Silva
.HEALTH AND ENVIRONMENT IN AQUACULTURE
Edited by Edmir Daniel Carvalho, Gianmarco Silva David and Reinaldo J. Silva
.Health and Environment in Aquaculture Edited by Edmir Daniel Carvalho, Gianmarco Silva David and Reinaldo J. Silva
Published by InTech Janeza Trdine 9, 51000 Rijeka, Croatia Copyright © 2012 InTech All chapters are Open Access distributed under the Creative Commons Attribution 3.0 license, which allows users to download, copy and build upon published articles even for commercial purposes, as long as the author and publisher are properly credited, which ensures maximum dissemination...
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Singapore carries out some of the most advanced and innovative water research
across the whole water cycle. Leveraging on technologies and best management
practices, Singapore is actively pursuing new technologies and processes to ensure
security of supply to meet the ever-growing demands of its population and industry.
This effort is spearheaded by PUB Singapore—the national water agency—and
the Environment & Water Industry Programme Office established in May 2006
by the National Research Foundation. Research and development under these
two agencies not only drives the innovative development of Singapore’s water
resources, but also benefits the people of Singapore by enabling them to make ever
better use of that most precious...
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March 29, 1973, found me aboard a C-141 transport plane, along with fi fty
other U.S. servicemen, returning to the United States after duty in Vietnam.
The fl ight was the last in the withdrawal of U.S. military forces under
the terms of the peace agreement that the United States and North Vietnam
had reached in Paris two months earlier (not to be confused with the
much more hazardous and chaotic exodus of the few remaining Americans
when the agreement broke down and Communist forces overran South
Vietnam in April 1975)....
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This third edition takes as its theme ‘increasing harmonization in financial statements;
mixed comparability and diversity in assurance and corporate reporting’.
January 2005 marked a significant stage in the move towards acceptance of international
financial reporting standards (IFRS) as the basis for harmonizing financial statements.
It was the date from which listed companies in member states of the European
Union (EU) were required to apply IFRS in their consolidated financial statements, in
place of the accounting standards of their home countries. Beyond Europe other countries
have taken a range of attitudes. Some have adopted the IFRS in full; some have
revised their national standards to incorporate the main...
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This book is intended as a practical guide to the interpretation
of reports and accounts. In it frequent reference is
made to the legal, accounting and UK Listing Authority’s
requirements that accounts have to meet, but this is done
in the context of what interesting information to look out
for, rather than to show how a set of accounts should be
prepared.
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Les achats d’une entreprise ne peuvent se comprendre que dans la
perspective du cadre économique dans lequel elle opère au moment où
elle les effectue. Nous commencerons donc par brosser très rapidement
ce tableau.
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