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.

ICT Invoice

It is not mission impossible, just a matter of short time, thanks to pressure from end users: we all want to be friendly to the environment, but we know that, at the global level, ICT represent 2% of global emissions of greenhouse gases. According to Gartner, this figure is equivalent to the civil aviation sector in full. There are more troubling data on the impact of ICTs, such as the following: a simple Google search has its impact: 0.2 grams of CO2. Or what is the same, a thousand searches pollutes as much as driving a car for a mile. (Source: five days) and savings? Its importance varies according to the number of electronic invoices sent. Another important factor is also the cost of the implementation of the chosen solution or the cost per use of this solution if it is SaS mode. But, although not all the savings to appreciate in the short term, they are important.

According to Gartner, a paper invoice costs around 3 euros. Saving in an electronic invoice can reach the 66%. According to AECOC (Asociacion Espanola de commercial encoding), the cost of the electronic invoice is 0.22 against 3.07 to the issuer, and 0.71 to 3.57 to the receiver. So many benefits do not allow doubt about whether compensated or not. How to proceed then? According to some clients of Esker as Remica, Kavo Dental, Thomson Reuters Aranzadi or Anuntis Segundamano, acceptance of the electronic invoice by customers through an effort of communication by the relevant administrative department. If in principle most of them understand that the electronic invoice is advantageous both for disclosing to the receiving party, you can’t have a deep ignorance about her delaying the decision of acceptance. Furthermore, the decision of each company to its customers in electronic format invoice or not depends on the type of clients that has: may be some not even Internet access and less a mail account.

Business Writing Articles

Writing articles is one of the simpler to demonstrate your mastery of while at the same time you increase traffic to your web site. And if your items are distributed in the manner appropriate and subsequently picked up by the major search engines, the popularity of your web site regularly will increase over time for added exposure and long term! To help you get started, here are 10 ways of sharing your knowledge, distribute your articles and expose your business for free: 1. submit them to e-journals and Web sites to publish them. It includes your signature at the end of the article to get free advertising. 2 Combining your items with an ebook free. You can place your ad in the eBook business. Give away it to visitors and allow them to do the same to multiply your advertising. 3 Create an article directory on your web site.

People will visit your website to get the free information. 4 He submits your articles to be printed publications that you pay for submissions. You can have extra income paid as a freelance writer. 5 Combine some of your items together with a free report. It gives the free report as a bonus for purchasing your main product or service. 6 He published a book with all your items. Get extra cash from your website selling the book.

7 Giving people an Instant Article Directory. Tell your visitors that they instantly can add a free article directory to your web site to link yours. All these links can add a large amount of traffic to your web site. 8 Paste your items in online communities. This can give you the free advertising in discussion groups, forums and e-mail discussion lists. 9 Allow people to include your articles in their free books. Your article could end up in 20 to 30 e-books and an open and blink of an eye. You won’t even have to promote e-books. 10 Let people access to your articles via the autoresponder. Includes your signature of complete email with the article. If you do not you’ve begun to write articles to increase traffic to your web site, I advise you to start today.! This highly underrated technique is truly one of the best strategies for viral marketing there are. Take advantage of the 10 proven ideas, share your expertise and creates the explosion in the long term of your business! Keith Gloster adapted to Spanish by: Shankara Bencosme discover you without be an expert in Internet as can start your own business in Internet in your time free and win US $21.699 monthly exactly in 2 months.