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2016 | Book

The Context: The Financial System Read chapter Read first chapter

Non-Knowledge Risk and Bank-Company Management

The Role of Intangibles in Rating Models

Author: Vincenzo Formisano

Publisher: Palgrave Macmillan UK

Book Series : Palgrave Macmillan Studies in Banking and Financial Institutions

Part of: Springer Professional "Wirtschaft+Technik" , Springer Professional "Wirtschaft"

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About this book

This book provides guidance for achieving a rating system capable of understanding and enhancing the intangible assets of a company.

Table of Contents

Frontmatter
1. The Context: The Financial System
Abstract
The functioning of the financial system, given the nature of the activity, takes place in a context of rules and controls. The raison d’être of the financial system is linked to the performance of certain functions that are critical, due to the way a modern economy of monetary exchange runs. These functions satisfy the specific needs of the economic system, thus allowing the development of production and distribution processes.
Vincenzo Formisano
2. The Evolution of Prudential Regulation
Abstract
The Basel Committee on Banking Supervision was established in 1974, under the auspices of the Bank for International Settlements, by the Governors of the Central Banks of the most industrialized countries (G-10), following a default in a German credit institution which had determined negative effects in many countries. This body does not have legislative autonomy in finance and it is not a supranational supervisory authority.
Vincenzo Formisano
3. The Banking Business: The Governing Body and the Operational Structure
Abstract
Systemic thought and its formalization in a general systems theory had a significant influence in all disciplines, and therefore also does so in the one that has the banking business as the object of investigation. It has been decided to associate with the company the qualification of system in relation to the following conditions:
a)
The presence of multiple components, both of tangible or intangible nature.
 
b)
The interdependence and communication among these components (the principle of interdependence and communication).
 
c)
The start-up of the relations in order to achieve the goals and objectives of the system (the principle of communion towards a purpose).
 
Vincenzo Formisano
4. The Bank-Company Relationship
Abstract
The understanding of a phenomenon by an observing subject assumes the activation of a cognitive process that, thanks to the identification, consolidation and use of conceptual schemes, leads to complication and so to creation of a model, out of what previously would have appeared as a blur and a number of indeterminate events.
Vincenzo Formisano
5. Intangibles in the Assessment of Creditworthiness
Abstract
The entry into force of the Basel II capital adequacy of banks, was accompanied by the adoption of more sophisticated systems for assessing the creditworthiness of companies. The Committee on Banking Supervision, in response to the globalization of the financial market, deemed that there was a need to ensure the stability of the banking system and to change business banking,1 based on mutual trust, comprehensive and real, to be updated continuously and bound to the actual ability to generate an income, from the perspective of future growth and not just the short-term goals of the beneficiary.
Vincenzo Formisano
6. An Empirical Case
Abstract
Within the European Union, the issue concerning the difficulties faced by small undertakings is important in terms of access to credit.1 This criticism is especially important for small businesses in Cyprus, Slovenia, and Greece. This situation, while limiting their growth prospects, did not weaken these countries’ confidence in the future, which remained at mostly optimistic levels so that, between 2009 and 2014, the percentage of SMEs with growth expectations increased from 47 per cent to 61 per cent.
Vincenzo Formisano
Backmatter
Metadata
Title
Non-Knowledge Risk and Bank-Company Management
Author
Vincenzo Formisano
Copyright Year
2016
Publisher
Palgrave Macmillan UK
Electronic ISBN
978-1-137-49713-0
Print ISBN
978-1-349-56780-5
DOI
https://doi.org/10.1057/9781137497130