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	<title>Payday loan for less</title>
	<link>http://www.paydayloan4less.info</link>
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	<item>
		<title>The Management of Risk</title>
		<description><![CDATA[Risk management overlays all financial institution functions. Banks cannot generate the returns required by shareholders without accepting risk. The two key challenges for the management of banks and other financial service companies are how to manage and price that risk. Buying the equivalent of an insurance policy can reduce many of these risks, but insurance [...]]]></description>
		<link>http://www.paydayloan4less.info/the-management-of-risk/</link>
			</item>
	<item>
		<title>Replacement risk</title>
		<description><![CDATA[Replacement risk arises when a bank has an obligation to one party where the discharge of that obligation is conditional on a third party meeting its obligation to the bank. For example, the bank may have sold stock to the first party. It intends to deliver this stock using stock it has bought but not [...]]]></description>
		<link>http://www.paydayloan4less.info/replacement-risk/</link>
			</item>
	<item>
		<title>Investment Companies</title>
		<description><![CDATA[Investment companies sell shares to the public and invest the proceeds in a diversified portfolio of securities. Each share they sell represents a proportionate interest in a portfolio of securities. The securities purchased could be restricted to specific types of assets such as common stock, government bonds, corporate bonds, or money market instruments. The investment [...]]]></description>
		<link>http://www.paydayloan4less.info/investment-companies/</link>
			</item>
	<item>
		<title>Pre-payment and reinvestment risk</title>
		<description><![CDATA[Reinvestment risk arises when a bank has fixed rate interest-earning assets, such as housing loans, where the borrower has the right to repay those loans early. If interest rates fall and borrowers repay their loans the bank will have to reinvest the proceeds received at the then prevailing lower rates.]]></description>
		<link>http://www.paydayloan4less.info/pre-payment-and-reinvestment-risk/</link>
			</item>
	<item>
		<title>Operational risk</title>
		<description><![CDATA[Operational risk is a catchall category for other things that could go wrong. It includes potentially catastrophic events such as earthquakes, flooding and fire and other more mundane factors such as power, computer or telecommunications failures.]]></description>
		<link>http://www.paydayloan4less.info/operational-risk/</link>
			</item>
	<item>
		<title>The Balance Sheet</title>
		<description><![CDATA[The balance sheet, prepared as of a specific date, records the categories and amounts of assets employed by the business (i.e., the resources committed) and the offsetting liabilities incurred to lenders and owners (i.e., the funds obtained). Also called the statement of financial condition or statement of financial position, it must always balance. By definition, [...]]]></description>
		<link>http://www.paydayloan4less.info/the-balance-sheet/</link>
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	<item>
		<title>Actuarial risk</title>
		<description><![CDATA[Insurance companies sell policies that pay out in the event of death or disability. The premiums charged on these policies are based on actuarial assumptions about factors such as mortality rates. If those assumptions prove to be incorrect such policies may be loss making.]]></description>
		<link>http://www.paydayloan4less.info/actuarial-risk/</link>
			</item>
	<item>
		<title>Judicial and legal risk</title>
		<description><![CDATA[Financial contracts are frequently complex and banks are exposed to the risk that their understanding of an agreement differs from that of a court. Legal disputes between American commercial banks and a number of insurance companies on credit derivative contracts written by the latter on failed energy trading companies around the turn of the century [...]]]></description>
		<link>http://www.paydayloan4less.info/judicial-and-legal-risk/</link>
			</item>
	<item>
		<title>Fraud</title>
		<description><![CDATA[Banks are at risk from fraud and other criminal behavior by their staff, customers and counterparties. In some cases these actions may involve actual theft but in other cases it may simply involve the concealment of losses that do not become apparent until a later date.]]></description>
		<link>http://www.paydayloan4less.info/fraud/</link>
			</item>
	<item>
		<title>Country risk</title>
		<description><![CDATA[A US bank with operations in a foreign country is, for example, at risk from the imposition of capital controls preventing it from remitting any profits or other funds it has in that country. In extreme cases foreign banks may even have their assets appropriated.]]></description>
		<link>http://www.paydayloan4less.info/country-risk/</link>
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