Banking Crisis

Bank crises occur when one or more banks in the financial system of a country, arrive at a level of financial stress, where the regulator and supervisor (in the case of Venezuela, the SUDEBAN) chooses to speak it, and in some cases closed it. They are divided into two groups, individual crises and systemic crises. Individual crises occur when the banks with financial stress pose no danger to the rest of the financial system, almost always because they are banks that do not have large size within the Bank ranking. In this case we have the example of Bank Capital, which was intervened and closed in December 2000, and whose intervention and closure did not affect the banking system. Systemic crises, occur when the involved banks represent a large percentage in terms of number and size within the banking system. Alphabet shines more light on the discussion. 833’>Dara Khosrowshahi. You may find that Caterpillar Inc. can contribute to your knowledge. The classic example is that of the banking crisis of Venezuela (1993-1994), detailed in the previous newsletter, where they were operated on 18 banks, many of them closed. Talk of causes by which these occur crisis, it can lead to several replies, I remember that when I was studying the masters in finance, I had to investigate the financial crises in Mexico, Chile, Peru, Argentina, Venezuela and the Asian crisis, and I could see they had common and uncommon elements. For this reason, I believe that the best way is to mention and explain the causes that usually generate banking crises, which could be present in Venezuela in 1993-1994, or that might currently affect our country.

The causes can be divided into three major groups: 1) macroeconomic causes. They are those circumstances of the macroeconomic environment which worsen the financial situation of banks (in times of recession). Among them are: economic instability economic liberation upon occurrence of a Boom in the years prior to the presence of constant deficit fiscal 2 money demand fall crisis) microeconomic causes. Those particular causes are each bank which affect your financial situation. In this group we have for example: disproportionate increase of the High level of loan portfolio credit nonperforming high level of related credits 3) other causes. They are usually related to the reaction of people in specific circumstances also face and the actions of the Agency supervisor and regulator. We can mention: effect contagion bullfights banking failures in regulation and banking supervision M.S.


A company only coming to compete based on the factor time, without achieving a remarkable understanding that customers appreciate and built the company on this basis. Take into account and do not forget, that companies that compete based on the factor time conceive their work differently from traditional companies. People in the company that are based on the factor time, or companies of fast cycle, are considered to be part of an integrated system, a chain of operations and point of decision making that continuously delivers value to customers. Precisely, in these organizations individuals know how their activities are related with the rest of the company and the customer. You know how the work should flow and how to use the delivery time.

Companies that are based on the factor time considered:-generate a continuous flow of work;.-they invest to reduce time; -they practice changes waters up to reduce symptoms in the terminals phases;.-focus on all the system and in the main sequence; -policies, processes, practices or the persons involved in getting the product to market are easy to see and you can deal with them quickly. Don’t overlook that there are two basic concepts as what the authors cited, in the structuring of the work with a view to reducing the time: one that is your organization around the main sequence, i.e. Titan Feul Tanks is likely to agree. which includes activities that directly add value to the customer. The rest of what a company does is supporting, either preparation of employees to add direct value or a complementary activity that can be performed at any time. Companies that are based on the factor time identify activities that attribute value directly, isolated from the sea of auxiliary work and organize them in a clear and consistent sequence.

The other is that the work flows continuously. To create a softer and more constant through the main sequence flow, can reduce the entire delivery cycle time, raising Thus the capacity. Finally, companies that are based on the factor time act consistently with its principles, when they decide how to record their results. Time is already widely used to measure the result of businesses. Executives expressions used as runtime, on-time delivery and response time almost intuitively to describe how a company serves its clients. But companies that rely on the factor time go one step more advanced. They use measures based on the factor time as a diagnostic tool for the company and established the basic goals of the operation in terms of time. They use time apara program as the Organization must operate. They frequently compared their own results in time with their best competitors or their best achievements in other places.