906 resultados para bank marketing


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There are various methods to collect adverse events (AEs) in clinical trials. The methods how AEs are collected in vaccine trials is of special interest: solicited reporting can lead to over-reporting events that have little or no biological relationship to the vaccine. We assessed the rate of AEs listed in the package insert for the virosomal hepatitis A vaccine Epaxal(®), comparing data collected by solicited or unsolicited self-reporting. In an open, multi-centre post-marketing study, 2675 healthy travellers received single doses of vaccine administered intramuscularly. AEs were recorded based on solicited and unsolicited questioning during a four-day period after vaccination. A total of 2541 questionnaires could be evaluated (95.0% return rate). Solicited self-reporting resulted in significantly higher (p<0.0001) rates of subjects with AEs than unsolicited reporting, both at baseline (18.9% solicited versus 2.1% unsolicited systemic AEs) and following immunization (29.6% versus 19.3% local AEs; 33.8% versus 18.2% systemic AEs). This could indicate that actual reporting rates of AEs with Epaxal(®) may be substantially lower than described in the package insert. The distribution of AEs differed significantly between the applied methods of collecting AEs. The most common AEs listed in the package insert were reported almost exclusively with solicited questioning. The reporting of local AEs was more likely than that of systemic AEs to be influenced by subjects' sex, age and study centre. Women reported higher rates of AEs than men. The results highlight the need for detailing the methods how vaccine tolerability was reported and assessed.

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A preocupação das empresas com o meio ambiente e com todas as questões sociais envolvidas em seu processo tem se tornado uma constante nos últimos tempos. Devido a isso, estão surgindo novas formas de administrar os recursos disponíveis. Nesse contexto, enquadra-se o marketing verde que deve estar pautado em práticas ambientalmente corretas, com o intuito de gerar produtos e serviços mais sustentáveis, fortalecendo a imagem das empresas e diferenciando suas marcas no mercado. O intuito neste trabalho foi verificar se as grandes indústrias do Paraná estão se utilizando das práticas de marketing verde e se mantêm projetos de gestão socioambiental. Para atender a tais objetivos, elaborou-se uma pesquisa descritiva e quantitativa com 48 grandes empresas cadastradas na Federação das Indústrias do Paraná. Os resultados obtidos indicam que a maior parte das empresas possui departamento de marketing formalizado, mantém sistemas de gestão ambiental e utiliza moderadamente práticas de marketing verde.

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O objetivo neste trabalho é contribuir com o repensar da natureza e do significado do marketing de lugar presente na literatura, descrevendo as três principais perspectivas influentes em seu desenvolvimento – promoção, planejamento e branding – e apresentar uma análise crítica de seu processo de evolução. No intuito de orientar o entendimento, evitar interpretações individuais e propor uma linguagem comum, a análise compreende a convergência das perspectivas em um conceito caracterizado como uma importante ferramenta de gerenciamento das trocas que ocorrem em âmbito territorial visando ao desenvolvimento socioeconômico da localidade. Como contribuição, sugere-se uma estruturação para investigações futuras identificando lacunas entre a teoria do marketing de lugar e a forma como é compreendido, assim como as dificuldades significativas para sua implementação.

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The aim of this study is to develop a model measuring the performance of cities' marketing efforts. The model and the benchmarking methodology presented can be used by local authorities to position their marketing efforts and achievements against other (competing) cities and to identify best practices that can assist place marketers in learning how to be more efficient obtaining desired place marketing results, e.g., improved city brand image, with the available resources/budgets. The major implication for practitioners is that place marketing should be managed as a process, taking into account both the resource flows and the outputs, as well as the efficiency of this process.

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Aquest treball analitza la tecnologia del Smartphone i les implicacions d’aquests dins d’Espanya en relació al màrqueting i a l’antropologia, principalment. El Smartphone s’ha convertit en un utensili que va més enllà d’un simple telèfon, convertint-se en agenda, ràdio, televisió i bastants aplicacions més. El grau de penetració d’aquest s’ha incrementat exponencial-ment, especialment en menors d’edat, i això, està modificant la nostra forma d’actuar i mantenir relacions, i per tant les opcions de màrqueting disponibles a través del mateix, presents i futures.

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State Agency Audit Report

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State Agency Audit Report - Independent Auditor's Reports Financial Statements

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The empirical evidence testing the validity of the rational partisan theory (RPT) has been mixed. In this article, we argue that the inclusion of other macroeconomic policies and the presence of an independent central bank can partly contribute to explain this inconclusiveness. This article expands Alesina s (1987) RPT model to include an extra policy and an independent central bank. With these extensions, the implications of RPT are altered signi ficantly. In particular, when the central bank is more concerned about output than public spending (an assumption made by many papers in this literature), then the direct relationship between in flation and output derived in Alesina (1987) never holds. Keywords: central bank, conservativeness, political uncertainty. JEL Classi fication: E58, E63.

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This paper analyzes how ownership concentration and managerial incentives influences bank risk for a large sample of US banks over the period 1997-2007. Using 2SLS simultaneous equations models, we show that ownership concentration has a positive total effect on bank risk. This is the result of a positive direct effect, which reflects monitoring and opportunistic behavior, and a negative indirect effect, which works through the design of managerial incentive contracts and reflects shareholder preferences toward risk. Large shareholders reduce bank risk by reducing the sensitivity of CEO wealth to stock volatility (Vega) and by increasing the CEO pay-performance sensitivity (Delta). In addition, we show that the direct and indirect effect of ownership concentration on bank risk depends on the type of the largest shareholder (a family, a bank, a corporation or an institutional investor), as well as, on the total shareholding held by each type as a group. Our results suggest that the positive relation between ownership concentration and risk is not the result of preferences towards more risk. Rather, they point at opportunistic behavior of large shareholders.

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We study business organization and coordination of specialty-market hog production using a comparative analysis of two Iowa pork niche-marketing firms. We describe and analyze each firms management of five key organizational challenges: planning and logistics, quality assurance, process verication and management of �credence attributes,� business structure, and profit sharing. Although each firm is engaged in essentially the same activity, there are substantial differences across the two firms in the way production and marketing are coordinated. These differences are partly explained by the relative size and age of each firm, thus highlighting the importance of organizational evolution in agricultural markets, but are also partly the result of a formal organizational separation between marketing and production activities in one of the firm.

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Actualment, en aquesta societat és difícil introduir un nou producte al mercat degut alshàbits de consum adquirits per la població. Per tal de superar aquests obstacles, el marketing actual s'ha tornat més complex i sofisticat. Per tot això, s’analitzaran els passos que s'han de seguir per tenir èxit a l'hora de llançar un nou producte.Per començar, s’enfocarà el tema en un únic producte, una revista dirigida a un públic entre 16 i 30 anys aproximadament. Així doncs, es suposarà una situació fictícia on una empresa independent, que està intentant introduir una nova publicació al mercat de la premsa escrita, contractarà un estudi de marketing per decidir els continguts de la revista, a quin tipus de consumidors estarà dirigida i analitzar els punts forts i febles de la competència per saber quina directriu hauria de seguir l’estratègia comercial.Seguidament, es decidirà la marca de la revista: el títol i el disseny del logotip. El preu òptim de llançament, els mitjans de comunicació que s’utilitzarien per donar a conèixer la revista, quins canals de distribució es seguirien i quins serien els punts de venda. Per tot això, es realitzaran enquestes i es faran diversos estudis sobre l’entorn general de l’empresa i la situació actual del sector.Amb tot això volem aconseguir el següent objectiu: ¿Quines estratègies de marketings'haurien de seguir per assolir l'èxit?

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This paper examines the incentive of atomistic agricultural producers within a specific geographical region to differentiate and collectively market products. We develop a model that allows us to analyze the market and welfare effects of the main types of real-world producer organizations, using it to derive economic insights regarding the circumstances under which these organizations will evolve, and describing implications of the results obtained in the context of an ongoing debate between the European Union and United States. As the anticipated fixed costs of development and marketing increase and the anticipated size of the market falls, it becomes essential to increase the ability of the producer organization to control supply in order to ensure the coverage of fixed costs. Whenever a collective organization allows a market (with a new product) to exist that otherwise would not have existed there is an increase in societal welfare. Counterintuitively, stronger property right protection for producer organizations may be welfare enhancing even after a differentiated product has been developed. The reason for this somewhat paradoxical result is that legislation aimed at curtailing the market power of producer organizations may induce large technological distortions.

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Finance is important for development, yet the onset of modern economic growth in Britain lagged the British financial revolution by over a century. We present evidence from a new West-End London private bank to explain this delay. Hoare’s Bank loaned primarily to a highly select and well-born clientele, although it did not discriminate against “unknown” borrowers in the early 18th century. It could not extend credit more generally because of government restrictions (usury limits) and policies (frequent wars). Britain’s financial development could have aided growth substantially, had it not been for the rigidities and turmoil introduced by government interference.