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This article addresses the impact of financial literacy on high school students' financial decisions. To analyze the impact, financial literacy information was provided to the treatment group and the treatment and control group discussed college expectations. Following the treatment or non-treatment, students completed a survey that was used to measure their financial decisions. Here we find that there was no significant impact. I discuss ways in which other variables impacted our outcome and I propose alternatives for future research. ; financial literacy, financial decisions, students financial literacy, impact of literacy on decisions ; A Thesis submitted to the Department of Political Science in partial fulfillment of the requirements for graduation with Honors in the Major. ; Summer Semester, 2013. ; April 22, 2013.

This article analyzes differences in patterns of financial development across the major East Asian economies, particularly for the three largest economies of the region (China, Japan and South Korea), in the context of the possibilities for greater regional financial integration. It argues that these differences in patterns of financial development present an economic challenge to regional financial integration efforts, in addition to differences in levels of financial development and possible political barriers. The article reviews arguments for and against financial openness, the East Asian experience with financial integration, how economies in the region have responded to shocks and what they may do to continue to thrive in the future. It also discusses policy options for the future, including regulatory reform and coordination, and various possible risk management policies and institutions.

This article analyzes differences in patterns of financial development across the major East Asian economies, particularly for the three largest economies of the region (China, Japan and South Korea), in the context of the possibilities for greater regional financial integration. It argues that these differences in patterns of financial development present an economic challenge to regional financial integration efforts, in addition to differences in levels of financial development and possible political barriers. The article reviews arguments for and against financial openness, the East Asian experience with financial integration, how economies in the region have responded to shocks and what they may do to continue to thrive in the future. It also discusses policy options for the future, including regulatory reform and coordination, and various possible risk management policies and institutions.

This article analyzes differences in patterns of financial development across the major East Asian economies, particularly for the three largest economies of the region (China, Japan and South Korea), in the context of the possibilities for greater regional financial integration. It argues that these differences in patterns of financial development present an economic challenge to regional financial integration efforts, in addition to differences in levels of financial development and possible political barriers. The article reviews arguments for and against financial openness, the East Asian experience with financial integration, how economies in the region have responded to shocks and what they may do to continue to thrive in the future. It also discusses policy options for the future, including regulatory reform and coordination, and various possible risk management policies and institutions.

Ever since the enactment of the Cooperative and Regional Rural Banks Acts and nationalisation of scheduled commercial banks, financial inclusion measures in India have led to physical expansion in the country. Unfortunately, the expansion has not brought about the necessary change in the backward and rural areas as financial services are yet to reach a vast majority of the population. The financial exclusion is characterised by limited service providers, limited goals and limited lending, besides a huge area of operation and missing linkages between financial institutions and local organisations. Demand-side factors have also contributed to the present dimension of financial exclusion, the result of which is that over two-thirds of the under-served segments resort to high-cost financial services from informal sources, which are present in every nook and corner. This paper considers a number of alternative initiatives to increase access to institutional financial services for the under-served population.

The financing and financial services are fast moving from year to year due to the current issues in the economy which have a direct relation with the latest technology, political and regulatory authority. Financial institutions are competing to provide fast services at low interest rates in relation to the quality of assets. Non-banking institutions are aggressive in providing financial services with innovative strategies, while trying to minimize the risk rate. Full digital banking and mobile banking are providing flexibility, adaptability, integration and efficiency. Market niches have to be addressed with different strategies. Technology is being used in the financial markets, the availability of skilled manpower to address the issues related therein is a challenge for the financial institutions. Daily finance and micro finance are playing a vital role in the Indian economy which does not have a regulating authority. These fulfill the immediate financial requirement of petty businesses which are not in the purview of the government or the regulatory body. Large banks do not have the ease of providing finance because of the complex procedures, rules and regulations within which banks have to function. There exists a wide gap between sect oral financial requirements that needs to be addressed by the Government with public private partnership. The transparency in maintaining and sharing the relevant data with the help of emerging technologies will lead to healthy financial markets. While some banks are trying to deal with historic loses reflected in their balance sheets. The aim of the study is to explore the business activities of banks with a special focus on their lending behavior and responsiveness to unconventional monetary policy. Deleveraging has been mainly via market to market assets falling in value and policy is now serving to reflate these assets without a strong impact on lending. . A study shows that GSIFI banks are least responsive to policy. Non GSIFI banks respond to the lending rates spread to cash rates, the spread between lending rates and the alternative investment in Government bonds, and the distance to default ( the bank's solvency). The study would show that better lending in the US is a result of safer banks and a better spread to govt. bongs – yields on the later are too attractive relative to lending rates in Europe. Finally, the paper comments on the problem of using cyclical tools to address structural problems in banks and suggests Which alternative policies would better facilitate A FINANCIAL SYSTEM MORE aligned with lending.