What strategy to be followed in Stock trading?

           Generally most of the large traders and share market investors had gained some shots of huge money. It is not a mere coincidence that those rich people are skilled somewhat, the fact is those rich people used the leverage provided by the financial markets. The great people such as Warren Buffet have been followed successful investment strategies which allowed them a great success in the market. Many books have been published about them and their trading secrets and technique and countless of peoples analyzed the secrets of their technique in stock trading.

      Apart from them hundreds of thousands of people around the world claim to have the best trading strategy to generate steady gains, if it is so then what is the correct key to wealth? And what is the best investment strategy to follow? Most of the successful personalities give the following tips: Diversity is remarkable investment strategy to follow. This illustrates the fact that it is not a holy grail. Hence we can conclude not a single investment strategy is better than the others, hence we have to shape our personal investment strategy accordingly to move towards the success.
    
Your own strategy will not be best suited to your fellow trader, hence everyone have to be very comfortable with the technical analysis of the market to tailor his own strategy. The technical analysis helps you to find out the clear picture of the company, their organization, their financial activities and others, their strategies etc. The technical analysis further helps you to predict the future trend in stock price. This kind of approach leads you towards success and success alone. A good investor should have a long term vision but he must be aware of both short term and long term views since both of them have their own merits and de merits. Once you are accustomed with your own technique for successful trading then stick on it and make necessary adjustments now and then if needed and over the time you refine your strategy of trading and knowledge then Success will be at your door steps.
                                                Happy trading!!!

Financial deregulation and Housing Bubble

From 2007, the outstanding performance of the financial institutions gave way to the bursting of the housing bubble. Real estate whose fees have a permanent character and recurring such as rental management and property administration resisted but the pace of transactions and starts declined sharply. This has caused an awareness on the part of banks reacted in: Stopping the acquisitions or investments in the real estate sector; Closing some real estate agencies; Restructuring their activities to promote consistency and readability of various trades; In addition, buyers found that they could not (for regulatory or governance) or failed to make the synergies that were announced and anticipated between the Bank's businesses and real estate. The real estate crisis has significantly slowed the enthusiasm of Banks. However, they must adapt their distribution model to the development of brokers. Indeed, the market share of the brokerage has grown steadily in recent years at the expense of traditional banking channels to locate currently around 22% of loans in Europe. This reflects an underlying trend as evidenced by other European markets where brokers capture 30% market share in Germany, 55% in Spain, 60% in the Benelux and even 66% in Britain. This figure reaches 70% loan in the United States. Brokers will therefore still snatch market share to banks pocketing pass finder's fees and thereby reducing margins to bankers. The temptation to control the upstream chain is always present. For this purpose, banks may acquire brokers. However, this strategy undermines the necessary independence of brokers and therefore generates a significant commercial risk (which could partly explain the current difficulties in the online broker). The alternative lies in the implementation of partnerships as do several networks developing funding in areas such as real estate agencies. Some banks even completely integrate the entire chain, from start to finish, offering new "space property" bringing together in one place all relevant interlocutors customers for their real estate projects. These "megastores estate" virtual or physical, may well be the response of banks to prevent erosion.

Financial Deregulation and Mortgage

Since the 1990s, as a result of financial deregulation (elimination of many forms of credit given) and increased competitive pressure, banks have a policy of proactive moderation tariff to maintain their market share and attract customers. The mortgage has become one of the main instruments of conquest and customer loyalty. To compensate for the low profitability of this product appeal, banks have created packages for project acquisition or rental investment. The formulas include, in addition to financing, more profitable products such as insurance homeowners, a guarantee of unpaid rent, a consumer credit to finance the cost of installation or, more recently, and technical diagnostics. However, the innovation supply is not differentiating between institutions as products and services are easily transferable. Banks have sought to decide the level of integration of certain banking and non-banking in the real estate value chain. Encouraged by economic growth, the most major banking networks have invested or increased their presence in the real estate industry since 1999 in search of new growth. The competition has essentially moved upstream of the value chain: developers and real estate services companies have become prime targets for banks. Most banks have adopted a strategy of external growth by making acquisitions in the field of promotion and taking position in real estate transactions as well as property management. In fact: The development sector is supported by a structurally strong demand in contrast to the saturation of the market for retail banking. In a context of rising property prices, the transaction sector has opportunities high income related to the amount of transactions and the sector can also monetize the distribution system through cross-selling. The field of property management has the advantage of generating recurring revenues relatively insensitive to potential downturns because of the captive nature of the clientele. Mapping below shows the result of this current wave of purchase. One can see those mutual banks and especially the largely integrated upstream activities of the value chain.

California Bank & Trust

California Bank & Trust is between the chief banks in California among more than $10 billion in possessions as well as local offices situated all the way through the state. Establishing as an assemblage of independently possessed banks all through the state, CB&T specially meant for small business owners of California shows a profit meant for above five decades. In addition to they have full fledged through California; by means of unite the receptiveness of a neighborhood bank through the wide ranging services obtainable in most important monetary establishment.

Chemicals investment bank

Hi friends! Today I am going to discuss with you all about an online site at valencegroup.com that is the chemicals investment bank is an expert investment bank contributing M&A recommended services completely to corporations as well as patrons in the chemicals, materials as well as interrelated divisions. Through their numerous years of sector focal point, they include extended open as well as deep operational practice; selling, buying, enterprise, private corporations, business carve-outs, LBOs, administration buy-outs as well as equality of views. Since their panel members have controlled for a lot of years absolutely in these very much dedicated segments, their patrons profit unswervingly from their from the horse's mouth practice of the cost effective, contractual, legal responsibility as well as operational concerns unambiguous to these regions.

Management Consulting

Mandrien Consulting Group is a most excellent advocate of the perception that presently as among natural environment, business networks require to be fair as well as pretty much controlled. While you notice a business that stands out in excellence and service, possibilities are that the business is having a fine implicit as well as evenhanded system. Mandrien Consulting Group greatly make out that a victorious corporation among a controlled network is the end result of premeditated setting up in conjunction with the harmonizing of inner and also peripheral modules. A business system is the totting up of the entire well designed vicinities that are caught up in increasing as well as conveying a proposal to promote.

Public liability insurance

This is a sponsored post.

Australia's finest known source of public liability insurance is CGU. CGU offers a variety of various kinds of insurance that best suits Australians, by means of a good concentrate on business insurance. It is the part of the Insurance Australia Group and also a division of one of the chief general insurance establishments in the nation.

How to Overcome Fear of Money?

How can we make more money or material ultimately succeed in life without fear? In truth it is a fear that we had me for a long time. In general, this fear of the money moves from childhood. In some families money is associated with the errors (s) and sometimes even some decline. I call this the power of beliefs. For a long time I understood the sentence incorrectly. I understood that money is money and no matter how it is obtained, the important thing to have. Given the values that are mine, I could obviously never adhere to such principle.

In truth this phrase simply means that money is a tool for change, change of life and / or change jobs no matter what! Money has no smell because it has neither quality nor default. It is neither good nor bad, it's what you do, A Food for orphans or weapons to Africa. Fear of money is the fear of success

Know this, money does not come without we mentally prepare for its arrival. What does "prepare for the arrival of the money? “ It simply means that if you do not know what you will do with the extra money you are asking then there is a good chance you unconsciously sabotage yourself. Fear of money, sometimes it's the fear of being happy. The question arises as unconscious as follows: And if my level of happiness does not increase with the level of my bank account?

This fear is real, it can really paralyze you in the quest for more money after all and if ever it were true? And if more money does not mean more happiness in the end it would mean there would be a much more important work to do but make more money. This work is called "return home". The real work is how to associate one or reasons that are considered "good" the fact of wanting more money in the end just do more or better the same reasons that we find good. Money becomes the means and purpose.

Unconsciously this amounts to allow himself to succeed. Financial worries seem less important and at the same time your bank account will show you the numbers you want to see. That's what I mean when I write sometimes see your world as it should be.

Recovery Management

Retail banks have more difficulties to act upstream because they do not always have the same tools for monitoring risks. Also the volume of customers does not allow individual monitoring as efficient and systematic. Finally, the financial stakes of unit operations are often more important at the BFI, tools KYC (Know Your Customer) are often much better.An effort to strengthen the prevention of counter-party risk should be primarily focused at the retail bank. To be most effective in monitoring customer, banks must improve their KYC tools and adapt information systems to ensure better traceability and customer knowledge.

As part of the difficulty in tracking customers, banks must also be able to manage more aggressively selecting records management solutions pre-fault available to them: credit retrieval, assignment of claims ...

And if despite this, the transition to recovery is inevitable, it must be managed at best to recover the money owed.

Banks now use three different modes of recovery: the recovery in house, outsourcing and the assignment of receivables. According to the amounts to be recovered, the volume of files to process and cost recovery charges / recoveries banks prioritize one mode over another.

Internalization of recovery is used when the amount of recovery is important. This method has the advantage of allowing banks to keep a close link with its customers (customer loyalty) and propose appropriate solutions according to their situations. They must be able to identify different types of debtors, and thus to distinguish the deadbeat clients temporarily in difficulty. In this case also, good customer knowledge is required in order to propose a debt restructuring to the right customers. Outsourcing is prioritized by banks to process a large volume of records of outstanding amounts and less homogeneous. External companies are mandated by the banks to to recover on their behalf for a fee depending on the amount recovered.

The challenges of recovery management

In the context of economic crisis, late payments of companies have never been more important in Europe for four years in the UK for 10 years and Italy for 13 years. In Europe, these late payments weigh 90 billion Euros per year and account for 10.8 billion Euros of lost interest. Also records a steady increase in litigation causes the loss of nearly 24 billion Euros
this resurgence of unpaid is accompanied by increased provisions penalizing the financial results. For major European banks, have seen a sharp increase in 2009 the cost of risk compared to 2008.

To limit the increase in the cost of risk, banks must increase their efforts on managing risk cases and those in default. To do this, banks must act on the entire loan process:

US Money Reserve

Do anyone of you are interested in collecting precious coins? If your answer is yes, then I am having great news for you! I recently got an opportunity to view an excellent online site that is specially meant for the Numismatics called as US Money Reserve. It was established by the gold market experts who renowned the requirement to coalesce first rate client service, specialist market acquaintance as well as the form of reliable management that is entirely essential while buying valuable metals.

Dodd-Frank: many consequences extraterritorial

This is easily understood is stated clearly and concisely. This is not the case of Dodd-Frank Wall Street Reform and Consumer Protection Act, enacted by President Obama July 21, 2010.

Along more than 2300 pages, the text aims to be a major reform of U.S. financial markets right - just like those that followed the 1929 crisis - by addressing all the issues identified in the United States during the financial crisis:

The NSFR, real questioning of the role of the bank?

In February 2011, Patrick Artus, chief economist at Natixis, took issue with the current definition of NSFR ("Net Stable Funding Ratio") by calling it "absurd ratio."

It is also far from being alone in the challenge. Indeed, while this ratio is designed to ensure stable liquidity of financial institutions, number of players in the banking question its "calibration" current, likely in the traditional role of processing devoted to banks.

Panorama of the Luxembourg banking

Since World War II, the Grand Duchy of Luxembourg has become one of the richest countries of the world in terms of per capita GDP, supported by a financial services sector booming, political stability and European integration .

The Luxembourg banking sector in figures

Luxembourg's financial sector, the largest contributor to the Luxembourg economy (one quarter of its GDP), plays a major role as an international financial center. Taking advantage of a favorable tax legislation, many banks and investment funds have moved into the capital.

Media and social networks: moving from communication to influence

Today, any insurance company questions the use of social media strategy for digital. Analysis of different positions and opportunities.

In the context of growing participatory media - blogs, social networks and personal professional, participatory media, microblogging, etc. -, the challenge of these areas of expression is well established for business: the opinions expressed therein are considered by consumers as more influential than advertising or official sites.

Islamic finance, inventory and outlook

According to Bloomberg, the bond sharia (sukuk) in the Persian Gulf reached a record in four years, to $ 7.3 billion, an increase of 62% over one year.

If the development of Islamic finance in the Middle East explodes, with assets that will reach $ 990 billion in 2015 against 416 billion in 2010, what about Europe and especially in France? The Old Continent can take advantage of this growing source of funding? And what are the opportunities in terms of investment products for Western banks?

Insiders gold buying guide

During these hard-hitting monetary periods, to have a plan B is really appreciable and this is good in terms of safeguarding our upcoming days. Your occupation may well offer a stable torrent of good earnings however there is at all times area to locating a few of it for the future income. There are quite a lot of methods of spending money for instance in real estate as well as raising a company. The largest part solid and uncomplicated methods to spend, however, are purchasing gold coins or else various forms of pure gold. If you are the person who is having an idea to get into the prosperous gold market or want to know more information about the gold ira companies, then keep on reading! I am offering you some little guidelines and information you require to make out concerning this action.

Online Business Reputation Management

Do you having plans to run an online business or you already having web store or doing some business over online? And in this case, you need to know about the online business reputation management. For the better results you need to boost the search results of you in search engines. Most of us I know really worried about the very low outcome even though they are doing well with their business. Before interacting with you, people around the world would like to know the trustworthiness of you on Google. If they find out something downbeat — whether it is correct or not — they will leave you and go somewhere else. This is the actual problem for the people who want to flourish themselves in terms of business over online.

Consumer credit: assessment of the impacts of the law Lagarde

Within five years, from October 2006 to September 2011, the Bank of France were nearly 1,022,273 records filed with the Debt Commissions, an average of nearly 204,455 cases a year. Trailing 12 months, from October 2010 to September 2011, the caseload is up 6.4%.

Hence the issue of law reform Lagarde on mortgage lending, the consumer credit and the fight against overindebtedness.

But the establishment of this regulatory mechanism has not been neutral for companies to consumer credit.

The High Frequency Trading will not escape regulation

The High Frequency Trading (HFT) has grown considerably in recent years and today represent the AMF according to 90% of orders sent to the market and about 30% of actual transactions in Europe and Further more. The proportions taken by this practice are as worried. While the regulator, after leading an important discussion on these topic proposals currently before the European Parliament that could lead to a new framework for HFT in 2013, French MPs have meanwhile passed a law to tax this type of exchange on February 16.

Management of collateral received: an effective lever to reduce operational and financial risks

Since the financial crisis, banks are facing a major phenomenon: the rise of non-payment of their customers. These faults are both on home loans granted to individuals and businesses as the credits distributed through credit cards for individuals.

In this context, the management process guarantees received has become a key process, acting at the heart of risk management for banks.

Insurers: Find a model of partnership with the profession of agent to better meet the challenges of tomorrow

For many companies, the network of general agents is the main vector distribution. Historically, the General Agent was virtually the only point of contact with customers, prospecting the claims.

The General Agents - unlike employees of the company - are entrepreneurs, who hold a portfolio of contracts and therefore a customer. For twenty years, a number of fundamental context of the distribution of insurance have changed: the appearance and growth of the use of "new" channels (internet, mobile ...), changes in market share (MSI , banks ...), coming into play of new distributors (supermarkets, banks ...).

The Greek private sector can derail the European agreement?

 

If one agrees to consider that the exchange "voluntary" 206 billion euros of private sector bonds into new bonds to meet with thirty years of acceptance from 75 to 80%, 10-15% of the issue necessary to achieve the 90% level for the operation announced a new dimension. It would appear, according to the Financial Times that the Greek pension funds and funds of the unions would pray. However, they have a thirty billion of Greek sovereign bonds, such as the 15% needed to achieve 90% or more.

Does Greece’s bankrupt without default?

The question is all the more legitimate than the last few days have resulted in an assault interpretations based on several aspects of the agreement of the private sector, which will only be confirmed on March 8. It is difficult to consider that Greece is in default if creditors agree on a form of sovereign debt restructuring.

The Real Estate Market in 2012

The real estate market has two sectors one is the investment oriented real estate and the other principle residence. The rental real estate is nothing but the investment real estate of buying a property to get rent. The fiscal policy has a great hindrance to buying a primary residence. The suppression of floating interest loan will also heavily impact on the real estate market especially on the first time buyers. The first time buyers are the vital tonic for the healthy market.
 The favorable tax exemption may increase the demand for the new home market. The taxation strategy should be changed; the taxation on real estate capital gains realized on additional housing units should be exempted. Stamp duties on real estate market should be revised and the evolution of the property and some protocols should be user friendly.
 If at all revised; the real estate market will be pushed in to the bear market. Since the government has changed its policy the banks are reluctant to finance the purchase of properties which could lead to the crash of the real estate sector. Apart from rich investors the common public cannot afford much in the current scenario. The sellers are reluctant to lower their price and the buyer expects the price may go down; hence the market is pushed for high inertia. The people are willing to invest in a tangible asset and they are more focused on the properties than the stocks or the banks this is the supporting factor which hold the real estate market now.

Fixed rate home equity loan – Important facts that you must not miss about this option

Guest Post Written By: Melissa Grace , Senior Editor,   Mortgagefit.com

Did you fall short of cash when you wanted to renovate your home or repay your high interest credit card debt? If you’re looking for a secured loan option that you can take resort to whenever you fall short of cash, taking out a fixed rate home equity loans may be considered. This is one of the most inexpensive ways of borrowing money and using it for various financial purposes. In the present market conditions, taking out a fixed rate home equity loan is perhaps the best way to guard you from sudden rise in the interest rates of personal loans. Since the credit downgrade, there have been predictions that the interest rate will rise on all personal loans and therefore, if you’ve accumulated enough equity in your home, you’re lucky enough in this market situation. Read on to know more on such loans.

What are fixed rate home equity loans?

This particular lending option is for the cash-strapped but house-rich people who want to repay their debt obligations without having to take out any unsecured loan. When you take out a mortgage loan and start repaying the loan, the amount that you pay back is the equity in your home, which is rather the amount that you owe on your home. There are two types of home equity loans, fixed rate loans and home equity lines of credit. The fixed rate loan is a single lump sum payment that is made to the borrower and repaid over a fixed period of time with an interest rate that is agreed-upon. The monthly payments and the interest rates will remain same throughout the term of the loan.

What are the benefits that the consumers may get by taking out home equity loans?

Home equity loans are an effortless way of getting access to immediate cash. You must be aware of the fact that the interest rates on the home equity loan are much higher than that of a first mortgage loan but when compared to that of the credit cards, they are much lower. If you have accrued a huge amount of debt on your credit cards, you can take out a home equity loan and consolidate all your high interest debts within the loan. The repayment term will be longer and you can also get tax-breaks on the interest rate that you pay on a home equity loan.

Are there any pitfalls of taking out home equity loans?

Well, as such there are no such pitfalls of using home equity loans for repaying your high interest debt or renovating your house, but the only important thing that you need to remember is to make timely payments on your loan. As your house will be used as collateral, you will require remaining very careful about defaulting on the loans as slight carelessness may lead to a foreclosure.

Therefore, if you’re someone who is in need of immediate cash and you’ve accumulated enough equity in your home, you can take out a fixed rate home equity loan. Make timely payments on the loans so that you forestall losing your home to a foreclosure.

Operational Risk Identification

This phase is to identify and structure the operational risks that ultimately will be presented in support of hazard mapping.

There are several approaches to achieve this result.

* Approach the process: it is made from the process mapping an inventory of the various operational risks associated with tasks that make up these processes. For this, an analysis is required on the inputs, the transformation process and outputs delivered to the end of each process.
* Approach the interview operational: this process allows questionnaires from pre-established list the operational risks identified by the business as those who actually or potentially affect their operations.

Whatever the approach used to identify risks, it should be complemented by a comparison with a benchmark sector wise operational risk.

The result of this work should be formalized in a holder who submits a mapping type of process risks.

The risk assessment
From the operational risks established, it should conduct an assessment of risks. For this, a definition of criteria for risk assessment should be performed to objectify the evaluation process.

Observation of practices established in this field identifies the following criteria:

* Severity: is the maximum impact of the exposure or potential exposure to risk situations. This is the concept of gross exposure.
* Detection / Management: This is the company's ability to identify and respond to risk events. This is the concept of risk management device.
* Occurrence: This is the probability of occurrence of risk situations. This is the concept of frequency of events. To determine this probability should identify incidents occurring over the period and form the basis of historical intervene in the decision process.

In summary, the assessment of operational risk should be against these criteria, completed the evaluation of residual risk for the net risk.

This evaluation process of operational risk should be integrated as a milestone and indispensable in the process of establishment of the life cycle of projects and products.

Risk Monitoring

This phase is the establishment of a monitoring and control of the risk profile of the company. It starts with the determination of the tolerable level of risk for the company. This tolerance is defined not only in terms of maximum risk but also in terms of risk atypical. Of course, the threshold defined by the company must be a regular challenge to ensure its relevance to the evolution of endogenous factors (trade policy, training ...) and exogenous (regulation, competition ...).

The monitoring device as defined by the company and driven by the risk management objectives are to:

* Increase the visibility of the risks;
* Better organize and improve processes;
* Preserve the results or business performance;
* Optimize the load management;
* Assign more effectively equity.

To achieve these objectives, the company has a network of "corresponding risk" in charge of a "portfolio risk" associated with the activities. This will be for this team:

* Implement the actions for the detection of risk (term limits ...)
* To analyze the causal factors of risk events (no audit clauses in contracts ...)
* Ensure the implementation of corrective actions and the definition of operational contingency plans (follow the recommendations ...).

To complement this, it is necessary to define indicators for the management of major risks that may be presented to all levels of the company (management, legislative and executive).

These sets of provisions are the minimum needed to ensure accountability, awareness and training of stakeholders on issues of risk.

Invest In Gold Online

Investments in gold have so many advantages, when compared with other sort of investments. Most of the paper currencies may be devalued by the governments but not the gold. Gold is the protective asset for holding the value; yes it preserves its value for your investment. When compared with various investments, by investing in gold you are enjoying the direct ownership rights and with no other investments you can claim so. Every financial expert aware the economic situation worldwide and knows the fate of paper currencies more particularly dollar is hanging.

Most of the countries over print the paper currencies and they crash which badly affects the traditional way of investments and savings. At the same time the investor holding precious metals like gold emphasize tangible value of his asset. Hence this is the right time to change over from currency based investment to investment on gold and other precious metals. Investing in gold bullion is the easy way of investment and you are enjoying the direct owner ship and the physical possession of your asset. The gold bullions are specifically minted for the purpose of investment. Chinese Panda gold coins, British Sovereign gold coins and French Franc are the globally recognized investment. There are twenty eight varieties of panda gold coins available. Other easy of investment is investing in British Sovereign gold coins and they are of superior quality. The French Franc gold coins are popular for their unique and exquisite designs. Investing in French Franc gold coin is the smart way of investment and these affordable coins come with the strong guarantee from the government.

You can directly purchase these assets and take physical delivery else it will be safely packed and delivered at your door steps. Each type of gold purchase has different benefits so it is best to call 1-877-962-1133 to find out which one best suite your investment objectives.

The Operational Risk Management

Despite the strengthening of regulations on risk management in recent years, the banking sector could not avoid. Subprime crisis, which by contagion has affected the rest of the economy, has highlighted the fragility of the various devices to control risks in force in the financial institutions, rating agencies and supervisors of financial markets. This weakness was also reflected in internal fraud which cost Society General 4.9 billion Euros.

It follows from these two major events the observation that the advent and implementation of new regulations do not allow companies to be fully exempt from risk factors to the origin of these losses. Indeed, recent actions by U.S. authorities to strengthen the financial sector by extending the powers of the Federal Reserve Bank and the European ideas and initiatives can only be effective if the various players take full ownership of their system risk management.

Appropriating the device operational risk management is putting in place a structured approach marked by a number of essential steps which include:

This is to define a framework that sets out the principles and rules of the potential risks have been shown to affect the company (benchmarks, risk governance committee ...). Indeed, the different activities and policies initiated by the company to expose operational risks can generate losses. These risks can be understood only with the establishment of a true corporate culture. The policy of operational risk management is the first step of this investment after the definition of its risk profile. It must be in perfect harmony with the various regulations, including Basel II, which involves the establishment of a regulatory monitoring for a regular update of this policy.

Finally the definition of a policy of operational risk management must be built in the same priority as commercial actions to prevent deterioration in the performance of the company.

Operational Efficiency Maximization

The search for sources of operational efficiency is generally only addressed through the analysis process. This approach is now well understood by operational staff. It also allows you to link to the Planning of IS which is also based on the description of the process.

This approach processes seek to identify redundancies, gaps, points of blocks. However, the search for sources of operational efficiency should also focus on service delivery to customers, whether operational or project: What are the services provided to date? What are the extensions of the scope that would significantly enhance service delivery and to benefit a greater number of actors (for example by integrating an operation today at the expense of clients)?

We also seek activities that have a characteristic position in relation to the concentrations of three assets:

* Information:
o dealer or a producer of information (focus information)
o interface or distributor of key information (broker positioning information)
* Means:
o holds a treatment capacity of computer or human (average concentration)
* Expertise:
o special expertise (concentration of expertise)


The presence of one of these assets is not enough to be a center of operational efficiency. However, from a couple of them, it will then be possible to change the activity to achieve a complete positioning. For example, concentrations are repositories of information. Develop the application infrastructure to manage this information and strengthen the expertise associated will then disseminate information on a larger scale and with better quality. This significantly raise the value added of the activity management repositories. This concentration of information and make changes to this perspective, therefore this activity subject to the establishment of a center of operational efficiency.

Another complementary approach is possible and easily accessible: mapping generic opportunities for sharing and industrialization will most frequently be used to initiate the search for sources of operational efficiency. This will be considered first and best practices in the sector and identify whether the existing organization is likely to reap the gains quickly.

The development of operational efficiency

The development of operational efficiency is a major concern of the major banking groups. This translates into at the moment through the consolidation of existing services in unique organizational entities in the Group. The aim is to reduce costs while improving the consistency, quality services and ultimately increase the operational efficiency of the entire organization.

However, the real centers of specialized operational efficiency (making the concentration of the three asset expertise, information and resources on a given field of activity) are not yet implemented only in a very ad hoc.
To develop such centers of operational efficiency, it is first necessary to identify relevant activities to concentrate in these clusters, so that they can then grow in terms of gains expertise, knowledge, productivity. Allowing them to have a real impact on the operational effectiveness of the Bank's medium term.



The establishment of centers of operational efficiency can significantly increase the operational efficiency of the entire Bank and facilitate response to the need for continuous development (see previous article in this blog). However, we must first identify the activities that could constitute sources of operational efficiency.

As we mentioned above, will be sought primarily in activities that allow centralization of three assets: information, expertise and resources. Joint ownership of these three assets pave the way for a wider range of services on the perimeter of activity. This offer will consist of both services 'operational' and services for projects. The problem is then to identify and evaluate the essential features of the future organization activities among distributed so far among multiple services or multiple entities.

Poles Of Operational Efficiency

Reduce the complexity of the development process: the poles of operational efficiency offer a range of services already in operation that are available to any entity by changing its processes. They are also available for personal service and dedicated to the support of development projects of other entities.
Increase and ensure quality of service: the service being delivered by a single entity, it will necessarily become generic, a common service level, so that gains of scale is generated. The range of services will be standardized at a level of quality and availability corresponding to the highest common denominator of user needs and guaranteed service agreements.
Reduce the overall cost of service delivery involved: the production cost of the service may be reduced by centralizing certain ways. However, changes will be especially noticeable in the final cost of use for each entity.
Increase the scope of use by allowing new entities to access the range of services: entities whose size did not develop these services in-house entities that had a similar service but with fewer resources and little adapted ...
Maintain the consistency and quality of information: the centralization of information management on a particular area will help to oversee the entire process of managing this information. It also allows perceiving the diversity of uses and coordinating accordingly.
Manage the evolution continues in a consistent manner on the different scope of responsibility of the poles: being at the heart of development projects and in contact with all clients on the perimeter, they are aware of the multiplicity of needs and include it in the trajectories of change in their activities.

Governance and Management of Operational Efficiency

To ensure consistency of objectives and day to day 
developments, it is necessary to develop a unique control of the entire work area operationally and in terms of its development (projects). Cells respond directly support the daily needs of internal customers will be directly attached to the same manager as the study of cell changes (service projects) and project management.
Besides coordination facilitated the centralization of information on operational activity will also provide indicators for monitoring the activity complete and advanced.
The establishment of centers contributing to the development of operational efficiency of the organization

The division of operational efficiency can significantly increase the operational efficiency of any Bank by reducing the complexity of the process, facilitating the evolution of organizations, reducing the overall cost of the activity level of service or greater .
This structure also facilitates the response to the need for continuous development [1], ensuring consistency in its scope, and contributing directly to facilitate the work of projects and developments of its clients through its dedicated service and expertise.

For the pole reaches these goals, it will first identify the activities conducive to a centralized asset value and define the services 'operational' and 'projects' to enlist the broader scope of users. The identification, definition, implementation and establishment of the trajectory of evolution of the cluster operational efficiency will require to use an approach to take into account all the dimensions (budget, governance, expertise, information, human resources, IT etc.

The Division of Operational Efficiency

The division of operational efficiency based on a concentration of three assets that are the information, expertise and resources. Only structures to achieve the concentration of these three assets are likely to be centers of operational efficiency in its own right.
Vis-à-vis the information, the division will have a role as manager, owner or clearing house (broker). It therefore has a good command of a large set of information and / or complex, which will provide added value to share with its customers.

Developing the Sources of Operational Efficiency

The establishment of centers of operational efficiency can significantly increase the operational efficiency of the entire Bank and facilitate response to the need for continuous development . However, we must first identify the activities that could constitute sources of operational efficiency. As we mentioned above, will be sought primarily in activities that allow centralization of three assets: information, expertise and resources. Joint ownership of these three assets pave the way for a wider range of services on the perimeter of activity. This offer will consist of both services 'operational' and services for projects.

The problem is then to identify and evaluate the essential features of the future organization activities among distributed so far among multiple services or multiple entities. The search for sources of operational efficiency is generally only addressed through the analysis process. This approach is now well understood by operational staff. It also allows you to link to the Planning of IS which is also based on the description of the process.

This approach processes seek to identify redundancies, gaps, points of blocks. However, the search for sources of operational efficiency should also focus on service delivery to customers, whether operational or project: What are the services provided to date? What are the extensions of the scope that would significantly enhance service delivery and to benefit a greater number of actors?

Objectives Of Operational Efficiency

The division of operational efficiency is also involved in coordinating and facilitating changes in the scope of activity which he is responsible.

* Operational mission: deliver in-house or external service
o Shared: used by all clients (which requires a sufficient level of both standardization and adaptability to customer needs)
o Quality: ensuring a high level of service,
o Integrated: consistent with the possible developments and other services (the same principles or standards, consistency of information ...).
* Strategic Missions: alignment with corporate goals
o In terms of scope of activity: both operational manager of the service and project management strategy on the field, defining the principles and standards of practice and evolution,
o In terms of process, users of these services: the service of development projects for the integration of services,
o Financial issues: cost reduction in service level or above.

The establishment of centers of operational efficiency should facilitate changes by developing the flexibility of the organization. This distinguishes them from the pooling of services that do not necessarily generate earnings in excess of centralization of the means.
In terms of implementation, the creation of a center of operational efficiency is not in the pooling of existing services but rather to develop an internal provider with a service offering clean.
Key features of the poles of operational efficiency

To effectively perform its duties, the division of operational efficiency will:

* Involve activities for which it is actually possible to concentrate three types of assets: the expertise, resources and information,
* Be resolutely turned towards the customers either returning customers or projects of development,
* Be provided with a governance and management processes adapted.

Organizational Challenges

In today's competitive (aggressive competition in the credit rates, price competition in the online banking ...), research to optimize the margin does not tolerate weakness in the quality of service provided to customers and time control of operations with these clients. This requires change in the existing organizations to increase efficiency in resource constants.

At the strategic level, the connections between stakeholders require when they occur to review fully the organization of internal functions become redundant or competing. Moreover, the conduct of political expansion (purchase of subsidiaries abroad, in particular) need to be integrates in various kinds of institutions (specialized activities but varied regional specificities ...) quickly and efficiently. The goal is then to integrate these institutions spun in standardized processes of the Group (in order to master the complexity of management) while making them benefit in return, services and assets that will support their development (discharge of certain activities centralized management, benefit sharing relating to the purchasing capacity of the Group, providing resources such as infrastructure group ... SI).

To meet the regulatory requirements (Basel II, MiFID ...), projects involving many entities set up new processes intended for the management and regulatory bodies.

These developments guided by the strategy or imposed by the regulatory and competitive environment combine to create a situation of permanent change of internal organizations. This is reflected by the increase in the frequency of reorganizations, the constantly changing service delivery entities, changes in scope of responsibility ... information systems must then accompany this change permanent, which generates significant expense. In addition, some priority changes (particularly regulatory) limit the possibilities of devices in parallel developments. Indeed, they are faced with schedules that do not always maintain a path for the information system progressive and consistent.

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Supply Chain Finance Part. IV

The potential improvements in the development of CFS are:

    * Improve the traceability of transactions (orders, invoices, making payments, cash) to the sender as the recipient.
    * Avoid litigation and the costs associated with their management.
    * Generate working capital through better management of financial flows. For this, banks need to adapt their offerings to the new needs expressed by client companies.
    * Benefit from the discount offered by suppliers in case of cash payment, without degrading its financial position since fiscal third rule for the acquiring company (reverse factoring)
    * Retain the most important suppliers
    * Increase the capacity to purchase the acquiring company

The other advantage of the SCF:
Long control of the supply chain was seen as a logistical necessity rather than as a real competitive advantage, however, the globalization of the economy no longer allows this way of thinking because it is cost savings to all levels to be able to offer the best prices. Control of financial flows is now the last piece of the savings. Therefore, enterprise customers are now very interested in the ability of their suppliers or customers to integrate into a process of "modernization" of tools related to accounting and finance offers available from financial institutions. Control its cash flow enables a company to offer customers efficient service and achieve economies together. It seems that the implementation of management solutions for financial information is involved, to some extent to meet the needs of business partners and thus contribute to their loyalty. However, in some areas as high technology, supply chain based on key players, specialized suppliers and rare it is imperative to retain.

The CFS will ensure the smooth flow of information related to financial flows and thus contributes to the flexibility of the entire chain by addressing the shortcomings of funding or access to financial information. Continue to operate from the old ways is contrary to the current economy and what it requires companies in terms of efficiency. Thus, it should be put in place systems to access information yesterday fragmented as companies seek to ensure unity became a key factor of success.
In short, it is called today to find solutions that integrate all the information (physical flows, information flows and financial flows) so that they can be exploited best by all participants in the chain supply and their financiers.
It is therefore not surprising that the recent emergence of offers of "Supply Chain Finance officials" within recruitment agencies

Supply Chain Finance Part. III

The implementation of this portal thus has the advantage of reducing costs through paperless transactions, track and archive centrally each exchange and control of customer disputes. This progress is in itself help much appreciated by the companies that allows them to save time previously spent on resolving issues sterile.
The innovation lies in the fact that one third may have financial access to this platform. It is then able to offer (so early) offers funding to the various players in the supply chain (discount ...).
Everyone wins: the financial institution sells its finance offers closer to the needs of its clients, customers more effectively manage their need for working capital (BFR) and supply chain pressures subside.

When asked the 500 largest European companies on working capital financing techniques that seem to grow strongly in the near future (study Demica - December 2006), loans by the banking pool and the financing of the supply chain (reverse factoring) top.

CGA of Societe Generale Group, Eurofactor, IFN (...) are some of the players with offers of "reverse factoring" to their customers. The principle is simple, a financial intermediary pays the bill to the supplier on the day of issue which in return allows the acquiring company to benefit from an extension (the broker earns a margin on this).
It should be noted that in Italy, some companies have created their own company credit and factoring without going through financial institutions.

The CFS is not exactly new, serious consideration is that since the early 2000s leading to innovations both from UPS or DHL (billing management, collection, delivery against payment) that Banks have realized, with some delay, the need to provide their customers with offers to alleviate existing pressures on the financing of the Supply Chain.