Tuesday, December 31, 2019
Analysis Of The Declaration Of Independence By John Ellison
When Thomas Jefferson penned the Declaration of Independence, he excluded two hugely important groups to the USââ¬â¢s success: African Americans and women. Throughout history, both groups have been degraded and abused and have had to fight for the equal liberty and freedom that was handed to white men in 1776. Ralph Ellisonââ¬â¢s Invisible Man follows a young black man as he tries to survive in the 1950ââ¬â¢s of New York City after being expelled from a prestigious Southern university. Spike Leeââ¬â¢s Bamboozled shows the creation of a 21st century satirical minstrel show and the numerous racially motivated consequences that follow. Despite different representations and portrayals of female characters in these two works, women in both are overlooked and marginalized by African-American male characters who fail to see the parallels between their situations. In Invisible Man, Ellison introduces numerous one-dimensional female characters, who fall into sexually driven stere otypes. During the Battle Royal in the beginning of the novel, an unnamed white stripper provides the pre-show entertainment. The narrator describes her as a ââ¬Å"circus kewpie doll, [her] eyes hollow and smeared a cool blue, the color of a baboonââ¬â¢s buttâ⬠(19). This paints an extremely unflattering and uncomfortable image, with the woman being compared to two non-human and undesirable objects. Invisible Man then says, ââ¬Å"I had a notion that of all in the room she saw only me with her impersonal eyesâ⬠(19). He feels that he isShow MoreRelatedVhdl32853 Words à |à 132 Pageswere the primary contributors to my creation: John Sanguinetti, Stuart Sutherland, Clifford Cummings, Robert Emberley, Ashutosh Mauskar, Jack McKeown, Dr. Arun Somani, Dr. Michael Ciletti, Larry Ke, Sunil Sabat, Cheng-I Huang, Maqsoodul Mannan, Ashok Mehta, Dick Herlein, Rita Glover, Ming-Hwa Wang, Subramanian Ganesan, Sandeep Aggarwal, Albert Lau, Samir Sanghani, Kiran Buch, Anshuman Sah a, Bill Fuchs, Babu Chilukuri, Ramana Kalapatapu, Karin Ellison and Rachel Borden. I would like to start by thankingRead MoreStrategic Marketing Management337596 Words à |à 1351 PagesStrategic and marketing analysis 2 Marketing auditing and the analysis of capability 2.1 2.2 2.3 2.4 2.5 2.6 2.7 Learning objectives Introduction Reviewing marketing effectiveness The role of SWOT analysis Competitive advantage and the value chain Conducting effective audits Summary 3 Segmental, productivity and ratio analysis 3.1 3.2 3.3 3.4 3.5 3.6 3.7 3.8 3.9 3.10 3.11 3.12 Learning objectives Introduction The clarification of cost categories Marketing cost analysis: aims and methods An illustration
Sunday, December 22, 2019
Teaching Is No Easy Job - 914 Words
Contrary to popular belief, teaching is no easy job. The process of becoming a teacher is enough to drive someone away from the profession all together. While the difficulty of some education programs would make some shy away from the profession, it only motivates the passionate future teachers out there to work hard towards their goals. The students are what keeps the educators teaching for many years. Although the same things may be taught each year, each individual child is unique. They will learn the exact same lesson as the child sitting next to them, but in a completely different way. Albert Einstein said, ââ¬Å"Everyone is a genius. But if you judge a fish on its ability to climb a tree, it will live its whole life believing that it is stupid.â⬠This is something I stumbled upon while online one day, and it really spoke to me. The idea of individualism has become more important as our society has changed over the years. Something that has been enforced during all of my c lasses about teaching is that every student learns in a different way. There is no such thing as ââ¬Å"the right wayâ⬠to teach something. In a perfect world, children would come to school, awake, alert and ready to learn. Their parent or guardian would have fed them a nice, balanced breakfast and sent them on the bus where they would sit with their best friend as they discuss the homework they worked on the previous night. The children would arrive in the classroom, hang up their coats, and sit down happilyShow MoreRelatedThe Teaching Profession Is Not An Easy Job Essay1807 Words à |à 8 Pages The teaching profession is not an easy job, especially since it involves educating the young minds of the 21st-century learners. Nevertheless, based on my experience as a pre-service teacher, for the past two years, I can firmly argue that the teaching profession is rewarding, mainly because both educators and students are capable of learning from one another. For that reason, compos ing a literacy autobiography is fundamental; an autobiography enables future teachers to think critically, as wellRead MoreTeaching is not an easy profession neither an easy job to do. The following conditions are some of900 Words à |à 4 PagesTeaching is not an easy profession neither an easy job to do. The following conditions are some of the cases that we faced as TP students in the school and how it was solved. The first case that we faced was fighting with classmates, two boys were joking with each other, it turned into a fight and the teacher immediately stopped the students and asked them to stand in the corner at the back of the class and then he talked with them after giving an activity to the other students. The second case wasRead More Career Research Paper - Elementary Teacher649 Words à |à 3 PagesWhile growing up and observing my teachers at school, I have learned that it isnââ¬â¢t always an easy job. Teachers do everything they can to teach their studentsâ⠬⢠academic, social and other formative skills. Plenty of my teachers have to deal with complications, most of them being minor, but it isnââ¬â¢t always an easy job helping children, teens and young adults. As a student myself, I know they can be stubborn, unwilling to learn, aggressive, and irresponsible. Sometimes, they simply donââ¬â¢t care. HoweverRead MoreGraduation Speech By Mr. Davis856 Words à |à 4 Pageshis thoughts. While Mr. Davisââ¬â¢s responses are more detailed, Mrs. Immel gave me a few responses I would also like to discuss. I can see a trend in Mr. Davisââ¬â¢s responses. He seems to enjoy being a teacher and the perks of being a teacher, such as teaching the students both material and life lessons. I have always said that encouragement needs more of a presence in the school system. What Mr. Davis does is just that. He allows the lessons to be fun. He doesnââ¬â¢t allow the material to become overwhelmingRead More My Educational Goals and Philosophy Statement Essay721 Words à |à 3 Pagessets people apart in the respect that it shows who wantââ¬â¢s to be successful and make a difference and who doesnââ¬â¢t. In being a teacher hardwork comes with the job and itââ¬â¢s important that the teacher understands that before going into the profession. It requires a lot of time and patience when a student needs it most, which isnââ¬â¢t always a easy thing to do when the situation is turbulent. Hardwork is putting forth the maximum amount of effort needed to ensure that all students have the right to an equalRead MoreMy Personal Philosophy On Education793 Words à |à 4 Pagesteacher do not easy. But I still think if we really want to teach children by heart we can do it. Children is a seed of country, and we need fosterage it, provide a knowledge, and build a beautiful soul for them. In the life, we know parents are best important for children, but I think teacher also is third parent with children. In my opinion, there are three elements I believe it is my philosophy on education is a good teacher is not just teaching by wisdom knowledge, that we should teaching by our heartRead MoreTeacher Tenure : An Important Part Of Americas Educational System894 Words à |à 4 Pagesthe work place. Teachers used to have to fo llow strict and sometimes outrageous rules to keep their job. A female teacher could be fired from her job by getting pregnant or even by just wearing jeans to work or staying out too late. Teacher tenure was introduced in the early 1900s and protected teachers from being fired without due reason. Although the majority of teachers do great work in teaching their students in effective ways teacher tenure bring a sour taste to some of Americas tongues. TeacherRead MoreBeing A Teacher Is Not Easy As A Lot Of Children And Teens1519 Words à |à 7 PagesBeing a teacher is not easy as a lot of children and teens think. There are responsibilities that correspond with not only becoming a teacher, but also maintaining the job as a teacher. One responsibility for being a teacher includes preparing long-term lessons and grading papers for students. When you are a teacher, you can not teach a class without having your plans organized. Also, when the students are assessed, there will need to be someone who will need to critique what the students à ¨glowà ¨Read MoreEssay On Real Life1359 Words à |à 6 Pagesdifficult to make continuous plans with friends before leaving for college. This transition was new, unknown, and full of great surprises. Just a week after graduating from high school, I started my first official job. Teaching 10-year-olds at a summer camp seemed like a typical young adult summer job. This specific summer program was held at a Presbyterian church, requiring bible studies every day. Iââ¬â¢m not religious so it was difficult to teach a subject I didnââ¬â¢t know about or believed in. This was a newRead MoreTenure Systems Should Not Be Eliminated1260 Words à |à 6 Pagesitââ¬â¢s an easy job to be a teacher because all youââ¬â¢re doing is just teaching students, but thatââ¬â¢s not the case. To be a successful teacher you have to make sure that all your students are learning and succeeding in the subject you are teaching. However not all the students learn at the same pace. Some students pick up a subject quickly while others have a harder time and may need additional help to pass. Becoming a teacher itself isnââ¬â¢t an easy task. In order to become a teacher for a teaching credential
Saturday, December 14, 2019
The Right to Information Act Free Essays
The Right to Information Act, 2005 is a landmark legislation in the history of independent India. Before the passing of this historic Act, there was ââ¬Å"The Freedom of Information Act, 2002â⬠But to ensure smoother and greater access to information and to make it more progressive, participatory, and meaningful certain important changes was felt necessary. The Government examined the suggestions made by the National Advisory Council and others and decided to make a number of changes in the said law. We will write a custom essay sample on The Right to Information Act or any similar topic only for you Order Now The Government in view of the significant changes proposed in the existing Act, decided to repeal the Freedom of Information Act, 2002. As a result, ââ¬Å"The Right to Information Bill, 2005â⬠, passed by Lok Sabha on 11th May, 2005 and by Rajya Sabha on 15th June, 2005 and received the assent of the President on 15th June,2005. The Right to Information Act, 2005 contains VI Chapters and 31 Sections. Some of the important Sections of the RTI Act can be stated as followsââ¬â- Under the provisions of the RTI Act, 2005, any citizen can seek information in writing in the form of an application or by e-mail and should be addressed to the Public Information Officer (PIO) or Assistant PIO of the concerned office/public authority either in English Hindi or in the official language of the area. Even if one submits an application for an information to a PIO whose public authority is not in possession of information, has to accept the information and forward the same to the concerned public authority about such transfer [section 6(3)] In such cases, the second public authority becomes responsible for providing the applicant with the information that is requested within prescribed time limit [section 5(5)] Reason for securing information is not required to be stated in the application. Normally the PIO is to provide the information within 30 days. However in case of life and liberty, the PIO is bound to provide information within 48 hours. If the required information is part of a proactive disclosure of section 4 (I) (b), then it should be provided instantly by the PIO without any application fee, except the printing cost of the information. No prescribed format is necessary to apply under RTI Act,2005. An application on a plain paper comprising full postal address of the applicant, PIO or Assistant PIOââ¬â¢s address, details of information required with a statement that the information is sought under RTI Act 2005, are the basic requirements. Application fee of Rs. 10 (in case of Government of Assam office/organization) is required in case of a Government of Indian office/organization. If the applicant does not receive the information or is not satisfied with the information received from the PIO, he/she can file an appeal with the first appellate authority (FAA) under section 19 (I). There is no prescribed format for an appeal. Moreover, neither Govt. of India nor Govt. of Assam prescribed any fees for the first appeal till now. The Act prescribed maximum 45 days time for the disposal of first appeal by the FAA. If an applicant does not receive information within 45 days, then he/she can take the matter forward to the second appeal stage. The RTI Act, 2005 is a historic legislation and no such strong provision has been made in any Act or code in India till date. The right to information covers inspections of works, document, record and its certified copy and information in the form of diskettes, floppies, video cassettes in electronic form, taped or stored information in computers etc. Though certain information are prohibited, every public authority is under obligations to provide information on written request or request by electronic means with payment of fee. The Act vehemently provides for restrictions for third party information. It has been stated earlier that there is the appellate provision in the Act. As such, the appeal against the decision of central information officer and state information officer can be made to a senior officer in rank. The penalty for refusal to receive an application for information or for not providing information is Rs. 250 per day, but the total amount of penalty should not exceed Rs. 25000 The Central Information Commission is to be constituted by the Central Govt. and State Information Commission by the respective state governments. In spite of having the various important and powerful provisions the state Governments are not ready to implement the RTI Act, 2005, in letter and spirit. The case is pertinent in Assam too, which so far has seen the government drag its feet when it comes to implementing the various provisions under the Act. Consequently Assam is among those states where the State Information Commission has been unable to perform to the desired extent, or simply failed to bring in probity and transparency in matters of public finance. When state Government will come forward to implement the provisions of RTI Act then only the true objectives of the Act will be fulfilled. The Act will be able to curb corruption and misuse of taxpayerââ¬â¢s money will be stopped, and can be utilized for the sake of common good and welfare of the state. The posts of Information Commissioner should be filled up by qualified and impartial persons. Free legal education should be provided to the people, to be more conscious about the legal benefit of the Act and help to access the information and exert their rights in true spirit. How to cite The Right to Information Act, Papers
Friday, December 6, 2019
Management and Compensation Committees â⬠MyAssignmenthelp.com
Question: Discuss about the Management and Compensation Committees. Answer: Introduction In the past years there have been several innovations within the financial sector, also with the globalization of the industries have changed to a great extent. As risks are unavoidable in business, the term generally refers to the specific uncertainty which tends to surround the upcoming outcomes and the events. It is generally the impact of a previous event that has the potential of influencing the objectives of the organization. When the risks are recognized within the organization, it needs to apply the risk management to the issues that tend to be predetermined as the outcome of the adverse situations (Stulz 2016). Risk management refers to the safety management principles that are consequences based; therefore the organizations are required to design a risk and safety management framework. This is a tool that is a fundamental constituent of a well designed decision making and management at each level of the organization. Considering the financial sector, the continuous developm ent in the global financial market, the banks are faced with diverse situation. On one hand the opportunities have expanded along with the markets, however at the same time the risks in the business have expanded (McGregor and Smit 2017). The banks are more exposed to the risks in the recent time. This study will trigger the risk management and the corporate governance audit that may have two more outcomes such as the identification of the value of the organization, and at the other hand I may also indicate to the development of the value system. This study will discuss this in respect of World Bank, a global financial institution. Banks are more subjected to various risks as they have a wide range of activities. Generally the risks faced by the banks may be divided into four categories, operational, financial, event and business risks. These risks can also be divided into more categories. The financial risks may fall into two more categories, pure risks and the solvency risks. The pure risks comprises of the credit and liquidity where the solvency risks are the loss of the bank if the organization is not managed properly. There can also be the speculative risks that are determined mostly on the financial arbitrage and may have two kinds of possibilities as it may turn out in a positive result if the arbitrage is right, however the bank might face a loss if it is not right. The speculative risks also include the currency, interest rate, market or the position price risks (McNeil, Frey and Embrechts 2015). The financial risks can also be complicated which has the possibility of increasing the overall risks of th e bank. For instance, if a bank is engaged in dealing in a foreign country it is generally exposed to the risks related to currency; however it is also possible that the bank may be also exposed to the interest and liquidity risks if it carries the open positions. There can also be the operational risks that are generally related to the overall functioning and organizational system of the internal procedure which includes the risks related to the digital technologies, related to the procedures and policies of the bank and the measurement of the fraud and mismanagement of the bank (Lam 2014). There can also be the business risks which are mostly associated with the business environment of the bank involving the policy concern and the macroeconomic factors, regulatory and legal factors along with the infrastructure of the financial sector. The risks mostly include all the exogenous risks that may jeopardize the operations of the bank and has the possibility of undermining the financia l condition of the bank. Risk based Analysis The World Bank is the global financial institution that generally provides the countries loan for various capital programs. The World Bank is generally a part of the World Bank group which is comprised of the International Development Association (IDA) and the International Bank for Reconstruction and Development (IBRD) and it is also a part of the United Nations (World Bank Group. 2017). The performance of the supervisors of the bank evolves continuously along with the appraisal process of the financial analysts. This change is essential for meeting the challenges of the new developments and innovations. It is also important to note that the accommodation of the bigger procedure of the convergence of the global practices and standards are always discussed by the supervisory board of the World Bank. However the conventional analysis of the bank is done on the basis of the quantitative tools that are to assess the condition of the bank and the financial ratios (Moretti and Pestre 2015 ). The risk based analysis of the World Bank includes the significant qualitative factors and the makes the placement of the financial ratios in the bigger framework of the risk management and the risk assessment that is also changes with the relevant risks (Eling and Marek 2014). This analysis also involves the underline of the several institutional aspects such as the style and quality of the corporate governance and management, consistency, completeness and the adequacy of the policies of the bank along with the completeness and effectiveness of the internal control of the World Bank and the accurateness of the information system of the bank. For the risk management analysis, the scectoral analysis and the analysis of both the international and domestic analysis is significant. The sectoral analysis generally provides the established norms for each sector within the banking industry. Also, the World Bank tend to participate in both the global and domestic financial systems all around the world and it plays a major role in the national economic systems as well. The banking statistics also provide a thorough insight to the economic systems of the countries. Credit Risk Management Credit risk refers to the opportunity that a issuer or a debtor of World Bank, whether a company, an individual or a country, will disagree to repay according to the terms and conditions of the credit agreement. The credit risk can affect the cash flow of the bank directly and has a possibility of affecting the liquidity of the bank. Therefore, most of the times scholars have indicated that the credit risks are the primary reasons for the bank failures. Therefore World Bank has the credit risk management policies that are outlined according to the allocation and scope of the credit facilities of the bank (World Bank Group. 2017). Also the credit portfolio is managed in a way that financing assets and investment policies are supervised and appraised. For reducing or limiting the credit risks, World Bank puts close attention to few issues such as related to the party financing, exposure to the single clients and exposure to the economic or geographic areas. Higher exposure and the conc entration limits generally refer to more allowed exposure to the single customers, group of customers or a certain sector to the financial activities (Eling and Marek 2014). In addition to that, related to the related party financing generally involves the significant stakeholders of the bank such as affiliated companies, subsidiaries, directors and others. These parties are generally placed in such a apposition that it exerts influence on the policies and decision making of the bank. In analyzing the credit risks, World Bank mostly reviews the loan portfolio structure which includes distribution of loan portfolios, loans with major governments and the other guarantees along with the risk classification of the loans and the detailed analysis of the nonperforming loans (World Bank Group. 2017). This figure refers to the profile of the borrowers of the bank that generally emphasizes the target client segment that may pose a risk to the bank. Liquidity Risk Management The liquidity management is essential for the bank for compensating the unexpected and expected fluctuations in the balance sheet and for providing further funds for the world development. The liquidity risk management is usually a major banking function and it is an essential part of the asset liability management procedure. It has been identified that World Bank is specifically vulnerable to this particular problem on the level of being institution specific from a methodical view point. Therefore World Bank has adopted liquidity management policies which include risk management or the decision making constitution with the funding and liquidity management, a set of limitations to the exposure to the liquidity risks and the methods that involves the liquidity planning under crisis situation and other alternative scenarios (World Bank Group. 2017). Market risk refers to the risk that the bank may experience losses due to unfavorable movements in the market prices which may result in the changes in prices. In addition to that the market risk may also come from the foreign exchange. Therefore market risks may come into practice from the instability of the position that the bank has taken within the primary economic markets such as equities, commodities, currencies and interest sensitive debt securities. Therefore any kind of instability within these market areas may have the possibility of exposing World Bank to the fluctuations in the value or the price of the financial instruments (World Bank Group. 2017). Moreover, World Bank has the market risk management policies that commonly state the objectives of the bank and the relevant policy guidelines that has been established in order to protect the capital of the bank from any negative impact of the unstable movements in the market prices. Currency Risk Management The currency risks generally results when there is a significant change in the exchange rates. It originates due to the mismatch between the value of liabilities and assets that are denominated in various countries. There are other risks that can accompany the currency risks are the liquidity risks, settlement risks, counterparty risks and the interest rate risks. While assessing the currency risks, World Bank have distinguished clearly between the risks that are the outcomes of the conventional banking operations, risks initiating from the political decisions and the risks from the trading operations (World Bank Group. 2017). However, the currency risks are generally handled by the established position limits. In addition to that, the major currency risk management is the net effectual open position of all the currencies put together as the absolute values and therefore expressed as a certain percentage of the qualifying capital. Also the net effective open position is not expected to surpass the determined value. It should also be noted that the currency risk management outlines a section of the asset liability process. The asset liability management is related with the interest rate risk management. The asset liability management committee of World Bank triggers the protection of capital and income from interest rate risks. The primary aim of the interest rate risk management is the maintenance of the interest rate risks within the authorized levels. The World Bank attempts to make sure that the restructuring of the balance sheet that tends to generate the maximum benefits from the interest rate movement (World Bank Group. 2017). This can also be influenced by the liquidity issue, especially when the bank does not access the derivatives of the interest rates. The World Bank determines the risk and its impact by recognizing and quantifying the exposures through utilizing the valuation model and the simulation along with the gap analysis of re-pricing. Operational Risk Management The operational risk management is one of the most significant activities of the bank where it the assessment of the risks need to recognize the business activities which needs to aligned with the operational, strategic and the compliance objectives (Claessens and Yurtoglu 2013). This risk management needs a clear reporting along with the risk and the performance indicators that are linked with the control of the risks from the business performances. The corporate governance refers to the method of governing the business. It may also be defined by the relationship between the board of World Bank, shareholders, management and the other stakeholders of the organization. The corporate governance principles include the settlement of the corporate objectives of the bank that aligns with the corporate behaviors and activities that are regulated for operating the bank in a safe way (Claessens and Yurtoglu 2013). The corporate governance team of World Bank within the economical market generally provides the policies on the corporate governance that are related to the capital markets and financial sectors. The FMI or the Financial Market Integrity group is placed within the global practice of the World Bank group. The corporate governance within the FMI put the focus on the improvement of the CG in the rising markets. This is done by providing the thought leadership, technical assistance and the support to the advisory programs of the World Bank group. Having good corporate governance in the emerging countries is essential for helping the organizations and the other financial institutions in improving their performances and lowering the cost of the capital and economic growth with financial stability. In performing this, the CG group of World Bank mostly focuses of four different areas that are, improving the banking institution governance specifically for the state owned banks, developing the regulatory and legal function of the unlisted and listed organizations, reinforcing the capability of the supervisors and the regulators and improving the financial institutions and the micro fin ance institutions (World Bank Group. 2017). The CG group works directly within each f these areas and the customer countries for accomplishing the future paths of reforming and supporting the implementation while providing the training, advisory service and the knowledge sharing. Within the financial sector the corporate governance is necessary as the financial organizations are usually charged for upholding the trust of people and defending the depositors (Calomiris and Carlson 2016). Therefore these institutions need more organized corporate governance for fulfilling their fiduciary responsibilities. The Cooperate governance group of World Bank therefore has developed various tools that can identify the weakness and the strengths of the existing framework. Conclusion The authorization of World Bank is the financing of the development over a medium run. As the bank is one of the enormous sources of the financial resources for further development, it is associated with several agencies. The World Bank model generally puts the focus on the real variables along with the emphasis on the relation between the external resources, savings, growth and investment. The primary target of the World Bank is developing the real GDP along with the foreign reserves. The fundamental policy instruments are generally the fiscal policy and the non trade inflows of the foreign resources. Therefore it has been identified that the framework of World Bank is a two gap model. The above figure shows that the requirements for the investment are generally given by the relation between the ICOR and the desired rate of the financial development. However there are also few internal possibilities of fulfilling the gaps, such as adjusting the desired developmental rate as that tends to slow the economic growth down. Also there can be measures that can be helpful in increasing the marginal competence of the capital. However this model presumes K or the stock capital as a constant but scholars also view that it may focus on the outline of the capital accumulation, consumption and investment along with the efficiency measurements. Reference List and Bibliography Acharya, V. V., Gottschalg, O. F., Hahn, M., and Kehoe, C. 2013. Corporate governance and value creation: Evidence from private equity.Review of Financial Studies,26(2), 368-402. Bromiley, P., McShane, M., Nair, A., and Rustambekov, E. 2015. Enterprise risk management: Review, critique, and research directions.Long range planning,48(4), 265-276. Calomiris, C. W., and Carlson, M. 2016. Corporate governance and risk management at unprotected banks: National banks in the 1890s.Journal of Financial Economics,119(3), 512-532. Calomiris, C. W., and Carlson, M. 2016. Corporate governance and risk management at unprotected banks: National banks in the 1890s.Journal of Financial Economics,119(3), 512-532. Claessens, S., and Yurtoglu, B. B. 2013. Corporate governance in emerging markets: A survey.Emerging markets review,15, 1-33. Dalwai, T. A. R., Basiruddin, R., and Abdul Rasid, S. Z. 2015. A critical review of relationship between corporate governance and firm performance: GCC banking sector perspective.Corporate Governance,15(1), 18-30. 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McGregor, A., and Smit, J. 2017. Risk management: Human rights due diligence in corporate global supply chains.Governance Directions,69(1), 16. McNeil, A. J., Frey, R., and Embrechts, P. 2015. Quantitative risk management. McNeil, A. J., Frey, R., and Embrechts, P. 2015.Quantitative risk management: Concepts, techniques and tools. Princeton university press. Moretti, F., and Pestre, D. (015. Bankspeak: the language of World Bank reports.New Left Review,92, 75-99. Stulz, R. M. 2016. Risk management, governance, culture, and risk taking in banks. Tallon, P. P. 2013. Corporate governance of big data: Perspectives on value, risk, and cost.Computer,46(6), 32-38. Tao, N. B., and Hutchinson, M. 2013. Corporate governance and risk management: The role of risk management and compensation committees.Journal of Contemporary Accounting and Economics,9(1), 83-99. Tricker, R. B., and Tricker, R. I. 2015.Corporate governance: Principles, policies, and practices. Oxford University Press, USA. World Bank Group - International Development, Poverty, and Sustainability. (2017). World Bank. Retrieved 28 May 2017, from https://www.worldbank.org/
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