For this phase of the course project, you will conduct additional research for the bank you chose as the subject of your project. Write the next section of your risk management plan in which you discuss individual versus commercial lending practices, risk measurement techniques, and benefits of transfer credit risk.

In this paper, please address the following questions:

• How would you describe the individual and commercial lending practices at the bank?
• How would you measure credit risk at the bank? Be sure to discuss techniques for measuring individual credit products and commercial credit products.
• How would the bank benefit from transfer of credit risk?
• What changes would you recommend in the bank’s lending practices?
• Paper should be 2 pages full length

Requirements

Review the APA Citation Online Guide for assistance with citing sources using APA format.

 

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Introduction

Based on the BLSC (C) case, complete this assignment according to the instructions below.

Instructions

As you read the case, do the following tasks:

1. Conduct a SWOT analysis for Safe Appliance (under Boulay before acquisition). Develop and discuss 4Ps for Safe Appliance.
2. Discuss positioning strategy for Safe Appliance.
3. Develop positioning map for Safe Appliance based on Smith’s plan for the acquired company. For example, you could take “Level of Service” and “Price” as your two attributes. On one end of the x-axis would be “Lean Service” and on the other end would be “Full Service.” For the y-axis you would have “Low Price” on one end and “High Price” on the other end.
4. Answer the questions.
   1. What are the strengths and weaknesses of this positioning?
   2. Should SafeAppliance target multiple segments?

Formatting

All written submissions should conform to the following format:

• Keep your written explanation to one page, single-spaced.
• Typed, Times New Roman 12 point font, 1-inch margin on all four sides.
• Page numbers at the bottom of the page.
• Cover page with student name and class number on each page.
• No spellings or grammatical errors.
• Reference material properly cited.

I included the files for the first two cases that pertain to this as well. 

 

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• Find an example of an activity or behavior that is ethical but illegal.
• Find an example of an activity or behavior that legal but unethical.

For each examples discuss why there is a mismatch. See how each activity or behavior is perceived ethically and legally in other countries. Where does the justification for the ethical perspective derive (political, philosophical, religious, academic, professional, etc..).

Dig deeper

• Find an article that highlights a current ethical challenge faced by government. Post a link to the article to your document, address the following issues:
  • 20% – What is the issue?
  • 20% – What is one side of the issue and who supports that side?
  • 20% – What is the other side of the issue and who supports that side?
  • 10% – Is there a clearly defined body regulating this issue?
  • 10% – Is there a clearly defined position that is being enforced?
  • 20% – What is your position on this issue?

  I attached an example of how the answer should be

 

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Even the most intelligent manager is prone to personal biases and pitfalls that can lead to bad decisions. We all carry biases based on our personal experiences. And we can all fall into various traps that lead to decisions that seem perfectly logical at the time but in retrospect, we see that we should have known better.

In the background materials, including Bolland and Fletcher (2012); Kourdi (2003); and Hammond, Keeney, and Raiffa (2008); several specific decision-making biases and pitfalls are discussed. Collectively these are known as cognitive biases. Some of the common pitfalls and biases discussed in these readings include overconfidence bias, confirmation (self-confirming) bias, sunk-cost bias, framing bias, and hindsight bias.

Carefully review all three of these readings and make sure you understand the different types of biases. Then read through the scenarios below and think about what kind of biases are demonstrated in each scenario. For each scenario, carefully explain which specific bias or biases is demonstrated by the decision and what can be done to avoid this bias in the future. Make sure to pick at least one specific bias that you read about for each scenario, and explain your reasoning. Use references to at least one of the three required readings from the background materials in your discussion of each scenario below. Your paper should be 4–5 pages in length:

1. The Chief Financial Officer (CFO) of a corporation is of the strong belief that marketing is not a good use of the company’s money. Someone shows her data from several years ago showing that during a period of high spending on marketing, sales did not go up. She says, “See, I told you marketing is not a good use of our budget!” and cuts the marketing budget to almost zero. Following the cut in the marketing budget, sales also start to drop dramatically. When asked by an employee if the drop in sales is due to the cut in the marketing budget, she says, “No!” and insists there must be a different explanation. What kind of decision-making bias do you think this represents, and why? What steps would you recommend to this CEO to reduce this kind of bias? Support your answer with references to at least one of the three background readings.
2. A CEO decides that he wants to greatly expand the company’s market by purchasing a major rival. This acquisition would double the company’s market share. However, several of his top managers warn him that such a purchase would require the company to take out a huge amount of debt to finance this merger, and that many of these large mergers have failed. They also point out that the organizational culture of the other company is very different and that managing this merger would be very difficult. Nonetheless, the CEO insists that he can overcome the odds and plans to go through with the merger. What kind of decision-making bias do you think this represents, and why? What steps should this leader take to avoid this bias? Support your answer with references to at least one of the three background readings.
3. A CEO wants to purchase a new factory. He is currently deciding between two factories. The owner of Factory A brags that 94% of products produced at the factory are free of defects. The owner of Factory B cautions that his factory has a 5% defect rate but management and staff are working very hard to reduce the rate. The CEO decides to purchase Factory A citing its strong 94% rate of success in producing defect-free products even though Factory B actually has a 95% rate of success. What kind of decision-making bias do you think this represents, and why? What steps should this leader take to avoid this bias?
4. A CEO of an automobile company decides to introduce a new hybrid vehicle using cutting-edge technology. A huge amount of money is spent in research and development as well as advertising. But when the car is completed sales are very slow and the price has to be cut so low that the company is losing money on every hybrid vehicle sold. She is advised to simply abandon the car to avoid further losses in profits, and focus her energy on selling profitable vehicles. However, she insists it is unwise to abandon the hybrid vehicle given that so much money has already been put into the project. What kind of decision-making bias do you think this represents, and why? What steps should this leader take to avoid this bias? Support your answer with references to at least one of the three background readings.
5. Conclude the paper with a discussion about which one of the decision-making biases you think is the most dangerous to a leader, and explain your reasoning.

 

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must create a 10-12 slide presentation about historical trade between united states and china, opinion on what the future will hold between these two countries for trade. apa style. presentation should explain how a company may break into the global enterprise by gaining a new contract. whether the organizational structure and business objective play a part in the company’s entrance to international trade, how transaction and other exposures play a part in success or failure. types of domestic and international
financing options for the business or project, and the changes or effects of the balance of payments and trade balance between the two countries and how each may cause fluctuations of interest rates, exchange rates, and the overall cost of the venture. include an example of purchasing power parity, types of possible arbitrage, and how this company will decide if the potential profits are worth the risks.

 

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