Recent trends in top tier banks in U.S., Europe, Asia, or Latin Term Paper

Recent trends in top tier banks in U.S., Europe, Asia, or Latin America - finance - Term Paper Example such as money transfers, payroll services, bank reconcilement, credit services such as asset based financing, lines of credit, commercial loans, or commercial real estate loans, deposit services such as checking or savings account services and foreign exchange. The latter involves services such as securitization, financing of mergers and acquisitions, restructuring, underwriting of shares, private placements of equity shares and debt securities with the investing institutions. These two services which were specialized by two distinct set of bankers are now being increasingly converged to be undertaken by same banks in view of deregulation of the financial sector. The banks have also started entering into insurance businesses. These changes have catapulted the banks to become an important and integral part of global business environment (Trends in the banking industry). In this context, this paper seeks to trace the recent trends in top tier banks in the U.S. and other countries in re spect of products, competition and global advancement. Since World War II through1970, there had been not many bank failures as it used to be a stable business. There were just ten bank failures in the U.S during the postwar period. It was only after deregulation, and liberalization identified as the catalysts for competition and growth, bank failures began to raise during 1980s and 1990s. Basel Committee on Banking Supervision (2004) and other studies of Blommestein and Lange (1993) and Blommestein (1997) provide a thorough analysis of bank failures in the U.S., Japan, Europe and others. Figure 1 showing the trend of banking failures during the period from 1934-2003 is clearly illustrative of this. The deregulation and liberalization has resulted in consolidation of banking industry during the last twenty five years. In the U.S. alone, the number of commercial banks which was 13,000 in 1980 has come down to 7,600 as in 2005. The last two decades have been characterized by

Anti-Social Behavior Essay Example | Topics and Well Written Essays - 500 words

Anti-Social Behavior - Essay Example One major focus that the paper will pay attention to is the manner through which law enforcement officers handle people with various crimes. The orders directly give the officers the manner through which they will treat and a well-outlined procedure. This is important to ensure that the criminals are dealt with in regard to the concept of being innocent unless proven guilty by the law. The manner through which they are handled brings out the effectiveness of the orders as they are stipulated and the paper will be sure to explain this in length.In the composition of the essay, the effectiveness of the orders is going to be reviewed studying the subsequent result of their application. This is for example on the issue of drugs. The reduction of the number of teenagers that fall into the trap of drugs has been seen to reduce over the years. This is due to the elimination of drug dealers in the streets by observation of the orders. There will be the mention of parents’ views on the issue.Another issue that will be discussed in the essay is the types of courts that are granted the mandate to pass the orders. People who commit crimes whether petty or even large crimes have very much fear for the authority or the types of courts that pass the orders. The paper will focus on explaining the courts in full perspective. Some criminals may not commit crimes if the court passing the judgment is a minor court as they are sure to have appeal to a higher court. The types of courts and their authorities will be explained in the essay.