The savings/investment process in capitalist economies is organized around financial intermediation, making them a central institution of economic growth. Financial intermediaries are firms that borrow from consumer/savers and lend to companies that need resources for investment. In contrast, in capital markets investors contract directly with firms, creating marketable securities. The prices o...

financial markets are considered because of their role in acquiring small and large savings of national economy, optimizing the flow of financial resources and distributing these resources to consumption and investment needs of economic sectors. the aim of this study was investigating the influence of financial market extension on agriculturalsector’s development of kohgilouye and boyer ahmad p...

The increasing cost of energy and the worldwide desire to reduce CO2 emissions has raised concern about the energy efficiency of information and communication technology. Whilst research has focused on data centres recently, this paper identifies office environments as significant consumers of energy. Office environments offer a great potential of energy savings, given that office hosts often r...

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This paper presents empirical evidence on the behaviour of interbank lending in Germany after a monetary policy impulse. Our VAR analysis shows that following a monetary contraction, the banking system as a whole attracts additional funds from foreign banks. Whereas small cooperative and savings banks do not seem to directly access the interbank market themselves, they do so indirectly through ...

We study the effects of the interplay between banking deregulation and corporate governance on the lending behavior of savings banks in Spain. The removal of branching barriers that constrained these banks has led to a nationwide expansion, increasing the number of their branches and their commercial lending volume dramatically. Analyzing a unique data set combining information on the geographi...

Increased personal control and comfort needs of employees triggered the concern among organizations to provide them with an environment and office design, which fulfills the employees’ needs and helps to boost their productivity. The main objective of this study is to find out the relationship between office design and productivity. For this purpose, 31 bank branches of 13 banks were contacted ...

Banking and real estate have always had an uneasy relationship. It was not until early this century that national banks were even permitted to extend loans collateralized by real estate. To this day, national banks, bank holding companies, and many state-chartered banks are prohibited from owning real estate directly, except when obtained through foreclosure or if used for bank premises.~ In ad...

The primary function of banks during economic transformation is seen to be provision of an efficient payments mechanism. The lack of banking skills, particularly in credit allocation, is seen as the major problem in achieving stable monetary systems. This is a problem which can be expected to last many years. The solution is to limit banks to very safe assets (initially central bank liabilities...