International banking assignment Essay Example | Topics and Well Written Essays - 2000 words

International banking assignment - Essay Example For this reason, they are often regulated through creation of policies and regulations. Most nations have developed fractional banking systems, which are essential in the regulation of the banking industry (Somashekar 2009, 34). Through this system, banks have various liquid assess, which are equal to part of their current liabilities. In addition to different regulations aimed at ensuring liquidity, banks are often subject to the most minimal capital requirements depending on the internationally set standards that are known as Basel Accords. It has often been said that liquidity is something that be recognized easily that being defined; additionally, it is a highly elusive concept. As far as its barest essentials are concerned, is all about having cash at the moment one needs it. In relation to banks, liquidity can be defined as the ability of a bank to provide funding to the increases in assets in order to achieve various obligations as soon as they arise (Hall 2008, 16). This often has to take place without the banks having to incur any unacceptable losses. Management of liquidity risks aims at ensuring that banks can continue performing their most fundamental roles. It is important to note that while outflows are often identified with certainties, risks are often due to need to achieve indecisive obligations about cash flow. In most cases, they depend on the external events as well as the behavior and actions of various agents. The liquidity aspects of a certain bank are ultimately a function of its confidence. This confidence arises from the counterparties and depositors in the banking institution and its presumed capital adequacy or solvency. A liquidity shortfall in a certain individual institution can often have various repercussions in its broad systems. In this case, the withdrawal of one institution has a multiplier effect, having the ability to spread to other systems, which can bring about various

Media Essay Example | Topics and Well Written Essays - 750 words - 3

Media - Essay Example They target almost everyone. In the recent past, advertisers have tremendously shifted their focus to children. Eric Schlosser’s through his article tries to bring to our attention how today child advertising is in high note through the various tactics marketers and advertisers are using to get today children to always want and thus in that context demand for their products (Schlosser 356). Eric brings to our attention that advertisers know that if the children saw their advertisement and which are appealing to them, they will with no doubt nag their parent to get the products for them. Again, through the article, we find how advertisers have begun using catching songs and cartoon characters to attract children. Today’s young generation have changed tremendously through media especially through advertisements, as observed by Eric Schlosser’s essay, today even products that young children at their tender age, who are not allowed to access some products such as cig arettes, companies are still coming with ways of developing unique advertisements that are aimed at targeting the children. These companies intelligently achieve this by changing the packaging around these products and go a step further to ensure that they develop iconic symbols on these products so that the children will recognize them even in future. This, they do putting in mind that even though the children will not necessarily access this at young age they will with no doubt remember them from the same advertisements they saw years ago when they were still young. Clearly it is with no doubt that that media has more negatives than positives effects on today’s young people. As a matter of fact, it is in my opinion that media has a tremendously negatives effects on our young children (Johnson 2011). From the article â€Å"Television: The Plug-In Drug† by Marie Winn, we find that today, the television has invaded most family both in known and unknown territories. This is characterized with wake up, go to school, watch television and thereafter retire to bed and this is the pattern in many families today. Almost every family today has a television set on their household and this has led many families dynamic to suffer. Watching television has clearly become the norm in almost every family today and this is leading to loss of touch such the quality of sharing a meal together, going out on holiday and vacations (Winn 457). Television has unknowingly eliminated most of the individuality enjoyed aspect of families and has in turn managed to create a boring uniformity, which is experienced with all families that watches the television. Television also affects how today’s children communicate with other people in the society, it’s evident that a child who spend his/her all day indoors watching television will have difficulties in maintaining eye conducts, and even of great concern failure to maintain conversations and even trust the same people in the society. I strongly believe that in today’s world the media is changing our young people, the family as a whole and even culture and more so education. As observed from Marie Winn’s article, television is invading many families; it is interfering with our today’s culture and eroding most of the family’s rituals in a faster way. Today television denies the families an opportunity to share their daily experiences and in return build their