Furthermore it will give us an external environment overview of the strategic tools used to understand market growth or decline, business position, potential and direction for operations.
The Basel II Regulations are expected to reshape the entire financial services industry by creating new classes of competitors based on their risk-measurement and value-measurement technologies. These guidelines pose serious threats to both real estate lending by commercial banks and the viability of the entire industry since higher capital charges could reduce available capital for commercial real estate. 
Sarbanes-Oxley developed a private, nonprofit corporation, to ensure that financial statements are audited according to independent standards. It also holds chief executives and chief financial officers directly responsible for the accuracy of financial statements. The law seeks to rule out conflicts that would make securities analysts less than objective and gives board audit committees rather than CEOs or chief financial officers full control of auditors. 
The new regulations for mutual funds to have 75% independents in the board of directors and have an independent mutual fund chairman of the board represent one of the most drastic changes. These rules will require the search and hiring of new members to meet the regulations as a result, a shortage of potential candidates may be experienced. These regulations can be good or bad for a company depending on the quality of decisions taken at the time of appointing new directors and chairperson. 
Hedge Funds Regulations
With the increasing growth of hedge funds in the market, the regulations to monitor them are becoming more practical in the near future. 
Regulations for New Entrants
Some regulations regarding the minimum capital requirements for a company act as a barrier to new firms trying to enter the industry. Along with this investment and technological input costs are difficult to meet for these new entrants. 
Federal Interest Rate Hikes
The changing of the fund rate has the most impact on short-term rates. The raising or lowering of this rate will affect interest rates on mortgages, credit cards, and home equity lines of credit. When the target rate is raised, consumers pay more interest. When the rate is lowered, they pay less. These rate hikes will also affect credit cards since credit card interest rates are tied to the prime rate, which is subject to the actions of the Fed. As the rate increases tend move slowly to credit cards because issuers re-price cards once a quarter, the rate increase will be seen in the near future. 
Declining Personal Savings Rate
In September 2005, the personal saving rate as a percentage of disposable income was negative implying US consumers spent more than 100% of their monthly post-tax income. This decline in savings can be bad for the economy as there will be lesser investment and the financial sector can suffer. 
Compliance Costs for Small Firms
The Financial and Mortgage sector is the heart of all economical decisions taken by the government. It creates a base and a starting point to analyze the sector to find out any transactions, dealings or contracts affecting the life of the citizens and the economy and wealth of the nation.
The researcher of this essay aims to pay special attention to types of products and strategies for the development of financial service. There are six types of new products that are in a company and marketplace. These include new-to-the-world, new product lines, additions to existing product lines, enhancement as well as revision of existing products, repositioning and cost reductions.
The assists their clients to manage the risk and return related to their wealth, thus, optimizing the value of their money. There are different kinds of advisors, tied, multi-tied and independent depending upon the number of firms they provide advises on.
The economic recession saw the fall of financial giants like Lehman brother and Bear Sterns. The impact of the crisis was so serve that governments across the world had to introduce financial bailout packages to prevent business organizations from being declared bankrupt.
Generally, the promotional strategies of a financial services organization are different from that of a physical good producing organization. This is because the financial services or products offered by a financial services organization are dissimilar from the physical goods in terms of ‘intangibility’, ‘heterogeneity’, ‘inseparability’, and ‘perish-ability’ (Ennew & Waite, 2007).
This is through diversifying and enhancing the expansion of banking and pecuniary sectors. It is the monetary and business entryway between regional, upcoming and global markets and contributes considerably to the UAE’s nation building objective. The new Amending Law does not alter the responsibility of the DIFC; rather its configuration is being enhanced to further the initial targets and clarify authority processes.
The underlying factors of the market that determines the value of derivative contracts may be currency conversion rates, interest rates, equity prices, commodity prices, etc. The derivative contracts may take the form of options, swaps, futures, forwards, etc.
With a more or less similar objective of regulating the investment services across all member states of the European Union, Markets in Financial Instruments Directive (MiFID) has been introduced. While replacing the Investment Services Directive (ISD), MiFID proposes to achieve the objectives of protecting the investors in the EU as well as responding to changes and innovations in the securities market.
These bonds can become liquid when the firms unwind their positions due to losses. The other firms loss will create liquidity in the illiquid GSEs. The trends that affect the mortgage market is the losses and gains in the international markets as they are interconnected.
The main intention of the study is to develop an understanding of the concepts of management in the banking and finance industry in general and how the established theories and principles are applied to the industry and some of the organizations. During the study, an effort will be made to observe the general working at some banks and financial institutions to seek answers to the following key objectives.
cing operations, become a profitable company within one year of operating, leverage technology to minimize costs and maximize efficiencies for customers and the business in applying for and obtaining mortgages. This marketing plan will assist McBride financial services to
4 pages (1000 words)Essay
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