This volume is a product of the staff of the International Bank for Reconstruction and Development / The World Bank. The fi nd-ings, interpretations, and conclusions expressed in this volume do not necessarily refl ect the views of the Executive Directors of The World Bank or the governments they represent. The World Bank does not guarantee the accuracy of the data included in this work. The bo...

Along with the rapid development of Internet, e-commerce has become an integral part of life. It owns most of its success to online payment. Nevertheless, some problems of the online payment are becoming the largest restricts in the development of e-commerce. The proposed Union-Bank Online Payment mode effectively solves these problems. Applying empirical research approach and model research ap...

The development of bank card business has severely challenged the improvement of risk-controlling technology. While assessing risk is the foundation of risk-controlling in bank card business. Presently, domestic banks have set up their customer data base. By analyzing the status of risk assessing in risk-controlling, this article tries to applying Fisher Discrimination Approach to assessing cus...

© 1998 The International Bank for Reconstruction and Development / THE WORLD BANK Paul R. Masson, Tamim Bayoumi, and Hossein Samiei are with the Research, Asia and Pacific, and European I departments, respectively, at the International Monetary Fund. The authors are grateful to colleagues and seminar participants at the World Bank, to Klaus Schmidt-Hebbel and to David Weil for advice and commen...

Pecking order models of international finance suggest that countries should become less reliant on international bank lending as they develop. Reduced information costs are one of the factors behind this trend towards disintermediation. This paper presents a simple model on the choice between bank debt and bond finance which builds on Rajan (1992), and it uses two new datasets to test the impli...

© 2000 The International Bank for Reconstruction and Development / THE WORLD BANK Lant Pritchett is with the East Asia and the Pacific Country Units at the World Bank. His e-mail address is [email protected]. The author would like to thank William Easterly, Ross Levine, Deon Filmer, Dani Rodrik, and the participants at seminars at the World Bank and the Massachusetts Institute of Technol...

Credit scoring models, or score cards, can contribute to bank safety and soundness as long as bank management actively participates in the development, implementation, monitoring, and validation of the model. Operational factors, such as accurate implementation of the credit scoring model and adequate training of data input staff, also can have an impact on the effectiveness of models. Changes ...

This study investigates the effectiveness of the Weisbord’s Six Box Model as a diagnostic framework for assessing the factors affecting organizational development. The research area consisted of an international bank which operates in Serbia. In order to identify strengths and weaknesses in the bank, Weisbord’s diagnostic questionnaire has been used. Respondents were 137 middle managers in the ...

Designed to provide all those interested in Africa with quick reference and a reliable set of data to monitor development programs and aid flows in the region, this is an invaluable reference tool for analysts and policy makers who want a better understanding of the economic and social developments occurring in Africa. tBasic indicators tNational and fiscal accounts tExternal accounts and excha...