197,018 research outputs found
Profili gestionali
No full textIntroduzione
Principali caratteristiche della banca e della sua attività
Le condizioni di equilibrio di una banca
Profili e aree gestionali della banca: una visione d’insieme
La gestione dei prestiti
La gestione del portafoglio titoli della banca
La gestione della raccolta bancaria diretta
La gestione della raccolta bancaria indiretta
La gestione del patrimonio proprio
La gestione finanziaria e della liquidità
Il risk managemen
Teoria dell’intermediazione bancaria e finanziaria
No full textIl contributo analizza le funzioni del sistema finanziario e, alla luce delle imperfezioni dei mercati, le ragioni e le teorie che spiegano l'esistenza degli intermediari finanziari e creditizi. In questa logica si approfondisce l’interpretazione teorica della banca quale asset broker e asset transforme
Strategie di marketing e canali distributivi
No full textIl contributo analizza le principali strategie di marketing e di posizionamento nel business del credito ai consumatori e il ruolo e le funzioni dei differenti canali distributivi nella fidelizzazione della clientela e per l'efficienza delle banch
Le famiglie italiane e la finanziarizzazione della ricchezza immobiliare
No full textGli strumenti di finanziarizzazione della ricchezza immobiliare rappresentano una modalità di trasformazione del proprio patrimonio immobiliare in flussi di cassa, alternativa importante nei casi in cui la vendita degli immobili non sia una soluzione ottimale per i bisogni della famiglia. Il lavoro indaga le variabili che influenzano l’interesse delle famiglie verso tali strumenti, approfondendo, rispetto alla letteratura, i comportamenti creditizi delle famiglie insieme alle tradizionali variabili socio-economiche.
Il risultato principale dell’analisi evidenzia come una maggiore familiarità con il credito e la propensione all’utilizzo di credito al consumo rappresentino determinanti significative dell’interesse verso forme di finanziarizzazione della ricchezza immobiliare
The rise of financial services ecosystems: towards Open Banking platforms
No full textThe recent developments in regulation, ICT technologies and purchase and consumption habits of customers are profoundly changing the competitive scenario of the financial services market. In particular in the European context, PSD2, although limited to the payment services segment, is promoting a greater level of competition and efficiency within the market, reducing barriers to entry for new payment service providers (called TPPs, which also include FinTech firms). To this purpose, PSD2 explicitly empowers account holders with the authority to share payment data, removing the financial institution’s role as gatekeeper and starting the Open Banking phenomenon. When banks actively comply with PSD2, new credit and financial ecosystems and Open Banking platforms can arise, in which participants share information through Application Programming Interfaces (APIs) and develop, produce and distribute innovative and value-added financial products and services for the customer. This chapter aims to theoretically examine to what extent information sharing, although limited by regulation, reduces banks' ability to generate value through the management of information asymmetry issues and their ability to build long-term relationships. We argue that banks’ ability to generate value can be negatively affected to the extent that banks decide to preserve their status quo, thus the way in which banks decide to comply with PSD2 is the crucial factor to consider
Determinants of Older Consumers' Interest in Home Equity Conversion Products
No full textThe purpose of this paper is to highlight opportunities for the banking sector arising from the population’s aging and the expected reduction in pension incomes. Home equity conversion (HEC) instruments are a potentially useful way of restoring households’ finances and satisfying their needs, with implications for the demand for financial services. By using an ordered probit regression model, the paper analyzes data obtained from a survey of 2,000 Italian households. The main finding of this paper is that individuals with greater familiarity with consumer credit, a cognitive and decision-making approach favorable to use of credit, and an internal locus of control show greater interest in various forms of equity conversion. This paper extends the analysis of the determinants of individuals’ interest in HEC products. It focuses more closely than the existing literature on households’ credit behaviors, attitudes toward credit and locus of control. The paper helps identify the potential targets of marketing campaigns and commercial proposals, and highlights the levers that the banks can focus on in communicating with customers and future prospects. Moreover, this paper suggests that there is a need to develop greater awareness on the part of people who could be interested in these products. Therefore, appropriate financial education projects should be implemented to develop a better “credit” culture, with due appreciation of the usefulness of credit as a means of supporting household budgets
Data for: Piracy-controlled geometry of tide-dominated point bars: combined evidence from ancient sedimentary successions and modern channel networks
No full textLOCATION OF STUDY SITES IN THE SPANISH PYRENEES AND IN THE VENICE LAGOON.
LOCATION OF PIRACY-CONTROLLED EVOLUTION OF TIDAL CHANNEL NETWORK
Determinants of Older Consumers' Interest in Home Equity Conversion Products
No full textThe purpose of this paper is to highlight opportunities for the banking sector arising from the population’s aging and the expected reduction in pension incomes. Home equity conversion (HEC) instruments are a potentially useful way of restoring households’ finances and satisfying their needs, with implications for the demand for financial services. By using an ordered probit regression model, the paper analyzes data obtained from a survey of 2,000 Italian households. The main finding of this paper is that individuals with greater familiarity with consumer credit, a cognitive and decision-making approach favorable to use of credit, and an internal locus of control show greater interest in various forms of equity conversion. This paper extends the analysis of the determinants of individuals’ interest in HEC products. It focuses more closely than the existing literature on households’ credit behaviors, attitudes toward credit and locus of control. The paper helps identify the potential targets of marketing campaigns and commercial proposals, and highlights the levers that the banks can focus on in communicating with customers and future prospects. Moreover, this paper suggests that there is a need to develop greater awareness on the part of people who could be interested in these products. Therefore, appropriate financial education projects should be implemented to develop a better “credit” culture, with due appreciation of the usefulness of credit as a means of supporting household budgets
Data for: Point-bar brink and channel thalweg trajectories depicting interaction between vertical and lateral shifts of microtidal channels in the Venice Lagoon (Italy)
No full textEstimation of minimum (ζmin) and maximum (ζmax) lateral migration rates of 8 different intertidal meanders located in the Venice Lagoon, considering maximum (sa,max) and minimum (sa,min) salt marsh accretion rates reported in the literature
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