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Author: Cyril Martin
Publisher:
ISBN:
Category :
Languages : fr
Pages : 381
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Book Description
Ce travail se situe dans le cadre de la gestion des risques bancaires. La gestion des risques de taux et de liquidité constitue un pôle de la gestion des risques appelé ALM (Asset and Liability Management), ou gestion actif-passif. La gestion actif-passif s'est extrêmement développée depuis les années 80 suite à la crise des caisses d'épargne américaines. Certains postes du bilan restent néanmoins peu étudiés comme les plans d'épargne-logement et les dépôts à vue malgré l'importance que ces postes représentent. Les deux premières parties de cette thèse visent à proposer, pour ces deux postes du bilan, des modélisations répondant aux problèmes de l'évolution future des encours et de la valorisation de ces postes. La difficulté de ces modélisations est liée à la prise en compte de l'aspect comportemental des clients. Ces deux postes du bilan sont soumis au comportement des clients à différents points de vue: le client peut, en effet, retirer ses fonds à tout moment de son compte courant ou encore utiliser ses droits à prêts dans le plan d'épargne-logement lorsque les taux sont avantageux pour lui. Nous qualifions ces libertés d'options comportementales dans la mesure où le client n'exerce pas ces options de façon optimale au sens financier. La dernière partie de la thèse s'est attachée à appréhender la gestion de la banque de façon globale en proposant un pilotage de la banque dans des visions simplifiées du monde bancaire mettant en jeu les options comportementales des clients.
Author: Cyril Martin
Publisher:
ISBN:
Category :
Languages : fr
Pages : 381
Get Book Here
Book Description
Ce travail se situe dans le cadre de la gestion des risques bancaires. La gestion des risques de taux et de liquidité constitue un pôle de la gestion des risques appelé ALM (Asset and Liability Management), ou gestion actif-passif. La gestion actif-passif s'est extrêmement développée depuis les années 80 suite à la crise des caisses d'épargne américaines. Certains postes du bilan restent néanmoins peu étudiés comme les plans d'épargne-logement et les dépôts à vue malgré l'importance que ces postes représentent. Les deux premières parties de cette thèse visent à proposer, pour ces deux postes du bilan, des modélisations répondant aux problèmes de l'évolution future des encours et de la valorisation de ces postes. La difficulté de ces modélisations est liée à la prise en compte de l'aspect comportemental des clients. Ces deux postes du bilan sont soumis au comportement des clients à différents points de vue: le client peut, en effet, retirer ses fonds à tout moment de son compte courant ou encore utiliser ses droits à prêts dans le plan d'épargne-logement lorsque les taux sont avantageux pour lui. Nous qualifions ces libertés d'options comportementales dans la mesure où le client n'exerce pas ces options de façon optimale au sens financier. La dernière partie de la thèse s'est attachée à appréhender la gestion de la banque de façon globale en proposant un pilotage de la banque dans des visions simplifiées du monde bancaire mettant en jeu les options comportementales des clients.
Author: Andrea Maloney Schara
Publisher:
ISBN: 9780615928791
Category : Families
Languages : en
Pages : 318
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Book Description
"Your Mindful Compass" takes us behind the emotional curtain to see the mechanisms regulating individuals in social systems. There is great comfort and wisdom in knowing we can increase our awareness to manage the swift and ancient mechanisms of social control. We can gain greater flexibility by seeing how social controls work in systems from ants to humans. To be less controlled by others, we learn how emotional systems influence our relationship-oriented brain. People want to know what goes on in families that give rise to amazing leaders and/or terrorists. For the first time in history we can understand the systems in which we live. The social sciences have been accumulating knowledge since the early fifties as to how we are regulated by others. S. Milgram, S. Ashe, P. Zimbardo and J. Calhoun, detail the vulnerability to being duped and deceived and the difficulty of cooperating when values differ. Murray Bowen, M.D., the first researcher to observe several live-in families, for up to three years, at the National Institute of Mental Health. Describing how family members overly influence one another and distribute stress unevenly, Bowen described both how symptoms and family leaders emerge in highly stressed families. Our brain is not organized to automatically perceive that each family has an emotional system, fine-tuned by evolution and "valuing" its survival as a whole, as much as the survival of any individual. It is easier to see this emotional system function in ants or mice but not in humans. The emotional system is organized to snooker us humans: encouraging us to take sides, run away from others, to pressure others, to get sick, to blame others, and to have great difficulty in seeing our part in problems. It is hard to see that we become anxious, stressed out and even that we are difficult to deal with. But "thinking systems" can open the doors of perception, allowing us to experience the world in a different way. This book offers both coaching ideas and stories from leaders as to strategies to break out from social control by de-triangling, using paradoxes, reversals and other types of interruptions of highly linked emotional processes. Time is needed to think clearly about the automatic nature of the two against one triangle. Time and experience is required as we learn strategies to put two people together and get self outside the control of the system. In addition, it takes time to clarify and define one's principles, to know what "I" will or will not do and to be able to take a stand with others with whom we are very involved. The good news is that systems' thinking is possible for anyone. It is always possible for an individual to understand feelings and to integrate them with their more rational brains. In so doing, an individual increases his or her ability to communicate despite misunderstandings or even rejection from important others. The effort involved in creating your Mindful Compass enables us to perceive the relationship system without experiencing it's threats. The four points on the Mindful Compass are: 1) Action for Self, 2) Resistance to Forward Progress, 3) Knowledge of Social Systems and the 4) The Ability to Stand Alone. Each gives us a view of the process one enters when making an effort to define a self and build an emotional backbone. It is not easy to find our way through the social jungle. The ability to know emotional systems well enough to take a position for self and to become more differentiated is part of the natural way humans cope with pressure. Now people can use available knowledge to build an emotional backbone, by thoughtfully altering their part in the relationship system. No one knows how far one can go by making an effort to be more of a self-defined individual in relationships to others. Through increasing emotional maturity, we can find greater individual freedom at the same time that we increase our ability to cooperate and to be close to others.
Author: Asian Development Bank
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 124
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Book Description
Aiming to support the development of a framework for the analysis of risk in project design and economic analysis, this handbook outlines technical approaches to modeling risk. Also summarized is the nature and practice of sensitivity analysis in dealing with uncertain outcomes as well as the principles to consider in typical risk analysis situations sector by sector. Case studies are included to demonstrate the application of quantitative risk analysis using actual Asian Development Bank projects to help improve project design and quality. Handbook users will learn to identify factors that are the key determinants of project outcomes, determine the likelihood of an individual project's returns being unacceptable, and design measures to mitigate the risks arising from the identified key factors.
Author: Al Naqvi
Publisher: Anthem Press
ISBN: 1785274961
Category : Computers
Languages : en
Pages : 180
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Book Description
President Putin’s explicit declaration that the country that makes progress in artificial intelligence will rule the world has launched a new race for dominance. In this era of cognitive competition and total automation, every country understands that it must rapidly adopt AI or go bust. To stay competitive a country must have a strategy. But how should a government proceed? What areas it must focus on? Where should it even start? This book provides answers to these important, yet pertinent, questions and more. Presenting the viewpoints of global experts and thought leaders on key issues relating to AI and government policies, this book directs us to the future.
Author: Cass R. Sunstein
Publisher: MIT Press
ISBN: 0262538016
Category : Political Science
Languages : en
Pages : 286
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Book Description
Why policies should be based on careful consideration of their costs and benefits rather than on intuition, popular opinion, interest groups, and anecdotes. Opinions on government policies vary widely. Some people feel passionately about the child obesity epidemic and support government regulation of sugary drinks. Others argue that people should be able to eat and drink whatever they like. Some people are alarmed about climate change and favor aggressive government intervention. Others don't feel the need for any sort of climate regulation. In The Cost-Benefit Revolution, Cass Sunstein argues our major disagreements really involve facts, not values. It follows that government policy should not be based on public opinion, intuitions, or pressure from interest groups, but on numbers—meaning careful consideration of costs and benefits. Will a policy save one life, or one thousand lives? Will it impose costs on consumers, and if so, will the costs be high or negligible? Will it hurt workers and small businesses, and, if so, precisely how much? As the Obama administration's “regulatory czar,” Sunstein knows his subject in both theory and practice. Drawing on behavioral economics and his well-known emphasis on “nudging,” he celebrates the cost-benefit revolution in policy making, tracing its defining moments in the Reagan, Clinton, and Obama administrations (and pondering its uncertain future in the Trump administration). He acknowledges that public officials often lack information about costs and benefits, and outlines state-of-the-art techniques for acquiring that information. Policies should make people's lives better. Quantitative cost-benefit analysis, Sunstein argues, is the best available method for making this happen—even if, in the future, new measures of human well-being, also explored in this book, may be better still.
Author: Willibrord de Graaf
Publisher: Springer
ISBN: 0230306713
Category : Social Science
Languages : en
Pages : 297
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Book Description
During the last decade, many European countries introduced extensive reforms to the way that income protection and activation programmes for the unemployed are implemented and delivered. This book analyzes and compares these reforms in nine European countries, focusing on the reforms programmes themselves, as well as on their effects.
Author: Victor J. Tremblay
Publisher: Edward Elgar Publishing
ISBN: 178471898X
Category : Economics
Languages : en
Pages : 483
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Book Description
The Handbook of Behavioral Industrial Organization integrates behavioral economics into industrial organization. Chapters cover concepts such as relative thinking, salience, shrouded attributes, cognitive dissonance, motivated reasoning, confirmation bias, overconfidence, status quo bias, social cooperation and identity. Additional chapters consider industry issues, such as sports and gambling industries, neuroeconomic studies of brands and advertising, and behavioral antitrust law. The Handbook features a wide array of methods (literature surveys, experimental and econometric research, and theoretical modelling), facilitating accessibility to a wide audience.
Author: Harry Collins
Publisher: University of Chicago Press
ISBN: 0226113620
Category : Social Science
Languages : en
Pages : 173
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Book Description
What does it mean to be an expert? In Rethinking Expertise, Harry Collins and Robert Evans offer a radical new perspective on the role of expertise in the practice of science and the public evaluation of technology. Collins and Evans present a Periodic Table of Expertises based on the idea of tacit knowledge—knowledge that we have but cannot explain. They then look at how some expertises are used to judge others, how laypeople judge between experts, and how credentials are used to evaluate them. Throughout, Collins and Evans ask an important question: how can the public make use of science and technology before there is consensus in the scientific community? This book has wide implications for public policy and for those who seek to understand science and benefit from it. “Starts to lay the groundwork for solving a critical problem—how to restore the force of technical scientific information in public controversies, without importing disguised political agendas.”—Nature “A rich and detailed ‘periodic table’ of expertise . . . full of case studies, anecdotes and intriguing experiments.”—Times Higher Education Supplement (UK)
Author: United States House of Representatives
Publisher:
ISBN:
Category :
Languages : en
Pages : 450
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Book Description
Jerrold Nadler, Chairman, Committee on the Judiciary David N. Cicilline, Chairman, Subcommittee on Antitrust, Commercial and Administrative LawIn June 2019 the Committee on the Judiciary initiated a bipartisan investigation into the state of competition online, spearheaded by the Subcommittee on Antitrust, Commercial and Administrative Law. As part of a top-to -bottom review of the market, the Subcommittee examined the dominance of Amazon, Apple, Facebook, and Google, and their business practices to determine how their power affects our economy and our democracy. Additionally, the Subcommittee performed a review of existing antitrust laws, competition policies, and current enforcement levels to assess whether they are adequate to market power and anticompetitive conduct in digital markets. Over the course of our investigation, we collected extensive evidence from these companies aswell as from third parties - totaling nearly 1.3 million documents . We held seven hearings to review the effects of market power online including on the free and diverse press, innovation, and privacy and a final hearing to examine potential solutions to concerns identified during the investigation and to inform this Report's recommendations .
Author: Karl Lowith
Publisher: Routledge
ISBN: 1134869991
Category : Social Science
Languages : en
Pages : 201
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Book Description
First Published in 2004. Lowith's study of Max Weber and Karl Marx is a key text in modem interpretations of the theme of alienation in Marxist theory and rationalisation in Weber's sociology. It remains the best short student introduction to the differences and comparisons between these essential thinkers. This new edition includes a Preface by Professor Bryan S. Turner which demonstrates the relevance of the book for contemporary sociology.
