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Could central banks influence real economic productivity?

Bryane Michael, University of Oxford and Viktoria Dalko, Hult International Business School

For decades, scholars and policymakers have looked at the central bank as the passive night watch-person of the economy. The US Federal Reserve, Bank of England and the European Central Bank (among others) should provide a stable amount of money for the economy – and thereby stable price levels. They could influence the amount of bills in circulation or interest rates when needed to heat or cool inflation. Yet, trying to bolster economic growth – much less corporate productivity – could only lead to problems.

Since the financial crisis, big name economists have started to question the monetarist orthodoxy of the past 30 years. Robert Hall (a former president of the American Economics Association) and Greg Mankiw (an economic advisor to George Bush Jr.) floated the idea as early as 1994 of nominal targeting. Such targeting would give institutions like the Fed the requirement to balance price stability with output growth. Such an approach targets the nominal, or value on the shelves, of goods and services. By 2017, the former head of the Fed himself recommended such targeting (albeit temporarily).  In a world with near zero interest rates, central banks clearly need to do something more than just buying government debt and managing below zero interest rates.

New evidence points to a new role for central banks. In that new role,our new research has found, central banks might influence real economic productivity. By buying local companies’ stocks, bonds, securitized instruments and other securities, central banks could channel funds to companies. Such purchases…

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What can US banks learn from the EU about money laundering?

Karim Rajwani, Global AML Advisor, Quantexa

Money laundering is, by nature, an international problem. In most cases, the process involves moving the profits of crime around the globe in order to obfuscate the trail behind it and, therefore, turn it into ostensibly legitimate assets.

But, Anti-Money Laundering (AML) legislation is not consistent on an international scale. Over the past several years, the European Commission has taken several steps in an attempt to curb its growing money-laundering issue. Its latest development, known as the EU’S 5th Money Laundering Directive, introduces a range of new requirements that ought to be considered by US banks too.

One of the primary focuses of the EU’s 5th Money Laundering Directive is to encourage cooperation on an international level between its member states and their leading financial institutions. One way this is being encouraged is the creation of a centralised and public Ultimate Beneficial Owner (UBO) list. Essentially, this is a list of all the owners and beneficiaries of each company that the bank is involved with. The EU’s previous money laundering directive had required that each institution had its own UBO list, but these new regulations require that these lists are publicly available.

UBO lists reduce the ability of criminals to hide their identity behind corporate structures. Historically, someone looking to legitimise a sum of money could start a company that would act as a front for an illegal organisation so that, on paper, the money appeared to be coming from lawful business…

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It’s about Quality Services and Creating Value for Customers

You offer a lifetime commitment, what does this entail?

Every insurance policy comes with Nan Shan Life’s lifetime commitment. Nan Shan Life has turned intangible commitment into tangible services through various service channels including insurance agents, financial institutions, corporations and the Internet.

Nan Shan Life endeavors to understand customer needs at every point of contact with customers. Nan Shan Life adopts an “active”, “innovative” and “care giving” spirit to continuously provide better-than-expected customer services. Nan Shan Life aims at becoming the paragon in the insurance industry and “the spokesperson for customers’ happiness”.

Insurance is a business that offers care and assistance. Every policy represents a lifelong promise made by Nan Shan Life to the policyholder. While pursuing business growth, Nan Shan Life holds itself to providing efficient, precise, and warm and caring services and to adhering to Nan Shan Life’s core values and being a presence of stability for its customers and their families.

How does Nan Shan Life support the economic and social development of Taiwan?

Nan Shan Life, as part of its commitment to serving public welfare, endeavors to incorporate CSR practices into its business strategies. As a responsible corporate citizen, it brings together resources of the Nan Shan Life Charity Foundation and close to 400 offices across Taiwan with more than 30,000 agents and staff in supporting minorities and community health care as well as making contributions to education, environmental sustainability, and local community services.

  • Foster Volunteering Culture and Mobilizing All Employees
    In…

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Tom Brown

By Tom Brown, Managing Director at Ingenious Real Estate

Housing needs in the UK are changing amid declining levels of home ownership and lifestyle shifts. Rather than the traditional ‘buy-and-hold’ model, residential housing needs are shifting towards developments that are built for rent and aimed towards a specific demographic who are at a particular life stage. As such, funding needs are changing to support these types of developments and this should lead investors to consider new ways of accessing the property market.

For many years, the typical approach to property investing has been through longer-term investments in buy-to-let and equity. While this ‘bricks and mortar’ approach has worked well for many investors, a fully-valued market in both the residential and commercial sectors means that capital appreciation opportunities are now looking limited. Instead, investors should be looking to work their property assets operationally through shorter-term loan opportunities, which are used to fund the development or redevelopment of buildings in niche areas of the market. By viewing property investments as operational assets, investors can access a growing market opportunity that offers the potential for greater long term reward.

Why is the UK property market experiencing change?

Homeownership levels have fallen dramatically among the younger generation over the last thirty years. In 1991, 67% of 25-34 year olds were homeowners compared with 36% in 2014. Meanwhile, private sector renting more than doubled between 1980 and 2014.

Declining homeownership is resulting from both cyclical economic forces as well as longer-term structural trends. In the post-financial crisis years since 2008, tighter lending standards have reduced the availability of mortgage financing for first time buyers, as low interest rates and constrained housing supply helped to sustain high house price valuations, thereby acting as a further deterrent. Whereas previous generations in the 1980s and 1990s benefited from schemes such…

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