Analysis of General Environment Essay Example for Free

Analysis of General Environment Essay HSBC Bank (China) is one of the first foreign banks to incorporate locally in mainland. As a foreign-owned bank, HSBC has the largest services network among foreign banks, targeting the middle-class individuals and business-oriented individuals in China. With the globalization, China is seen as the biggest market in the world. The general environment will bring great effect to the future development of the HSBC (China). The specific analysis is as follow. 1. Demographic Environment China has the largest population in the globe that the number has already reached 1. 4 billion. Most of the people are living in the east and middle areas. In other words, the middle and above-middle-class people assemble in these two areas with the demand of bank service. (National Bureau of Statistic of China, 2011) As the societal pressure growing heavier, less people are willing to give birth to baby so that the problem of population aging arises. According to the reform and opening policies, the east and south areas are better developed than the central and the west. People in the coastal region have higher average income than others. As a result, HSBC (China) mostly build its banking network in the east and south areas, which are so called first-tier cities. Meanwhile, it has also expanded branches in some second-tier cities in the central area of China. 2. Economic Environment As an emerging market, China is developing at a very fast speed with continually growing Gross Domestic Product as well as high export surplus. However, in terms of global environment, the world still not recovers from the economic recession. The financial market in mainland has been impacted that the exchange rate of RMB has gone higher and higher, which has been result in the inflation. To better control the financial market, the interest rate has been increased to limit the cash flow in the market and personal saving rate goes up that people are encouraged to save money in banks rather than investing. Another economic factor putting effect on HBCS in China is the unemployment rate. China government devotes into keeping the unemployment rate low and stable, because once the rate rises sharply, this will destroy the harmony of the society. Consequently, HSBC (China) should take this factor into account to obtain trust and support from the local government. 3. Political Environment In China, banks are supervised by the China Banking Regulatory Commission. There are many barriers setting in front of those foreign banks in China, such as foreign banks are not permitted to establish a business of any scale in the mainland, since the Chinese legislations limit on how many local banking operations can lean on foreign banks. On the other hand, the new parties have held the power, which means new policies and new reform may come into being. Different policies and reform will significantly affect the existence of HSBC in China. With the improvement of the capital market, the financial environment will be deregulated and gain a more loosening environment. Moreover, foreign banks in China have to be charged tax, which will increase the cost and lower the profits of HSBC in mainland. As the compulsory education popularizing, more and more people think highly of the banking service. They become to have good knowledge to the banking items and are tied closely to those services. 4. Socio-cultural Environment Banks serve for people’s demand and need. People’s attitude towards banks is influenced by the social-cultural environment. In China, customers are more conservative that they prefer saving money. Therefore, more emphasis should be put on the retail banking services in mainland. Recent years, with the impact of financial crisis, people are less trusting banks. Banks are seen as greedy organizations by the public, which was result from arbitrary banking charges. 5. Technological Environment Technological change can bring new style of business to organizations. It can change both the product and business way. Since the constant improvement of the Internet, HSBC has launched its online banking services in China. People can have an electronic account to check user’s balances and transactions, make transfer as well as pay bills. Simultaneously, doing business through the Internet not only save the time for customers, but also simplify the business process for HSBC so that they can cut large amount of cost. Furthermore, the development of the mobile phone also benefits the banking services. People can easily access to their account through the mobile Internet. Secondly, particular applications have been invented for mobile users to manipulate their banking service. For example, HSBC has its own applications which can be used for IOS (iphone) and Android operating systems. These applications are convenient to use and also help HSBC to saving labor as well as time cost. 6. Global Environment The global environment is somewhat cannot be controlled by the organizations itself. The global economy stays in a recession for a period of time and seems to be difficult to recover from it. The subsequent influences of the financial crisis affect the economy in China. HSBC (China) has earned less profit these years. Although the macro environment is not so optimistic, China is still the hugest potential market around the world. Besides China, there are still many emerging countries appear in the world, like India. In the future, HSBC (China) should pay attention to create more advantage competitiveness than those HSBC banks in other international regions. Reference Eternity in an hour. (2009). Environmental Analysis-HSBC(A Marketing Perspective). Available from: http://cloudchronicler.net/2009/10/14/environmental-analysis-hsbc-draft-copy/ HSBC Bank (China) Company Limited Fact Sheet. (2013). Available from: http://www.hsbc.com.cn/1/PA_1_083Q9FFKG80E20RA9Q00000000/content/china/about/docs/factsheeten.pdf HSBC Bank (China). (2013). About HSBC (China). Available from: http://www.hsbc.com.cn/1/2/hsbc-china-cn Sina News. (2012). The War of the Interest Rate. Available from: http://news.dichan.sina.com.cn/2012/08/02/539030.html Studymode. (2012). A PEST Analysis Report of HSBC. Available from: http://www.studymode.com/essays/Pest-Analysis-Hsbc-Holding-Plc-1206636.html The Wall Street Journal. (2011). In China, Foreign Banks Still Lag Behind. Available from:http://online.wsj.com/article/SB10001424053111904491704576574281790473152.html

Class Politics in the United States :: Politics Political Essays

A distinctive feature of US politics, in comparison with most other industrialized nations in the world, is its virtual lack of class-based politics. President George W. Bush, for instance, has said that class is for ‘European democracies or something else—it isn’t for the United States of America. We are not going to be divided by class’ (cited in Harrigan, 2000: 6). And this seems to be the general attitude that pervades all of American society, to the extent where militating on the basis of class could even be seen as culturally abhorrent. It is a fact that in the 1990s, trade union membership accounted for only 15 percent of all wage and salary workers, down from 25 percent in 1975. This is despite 30 percent of all workers still employed in blue-collar jobs as of 1996 (McKay, 2001: 226; Vanneman and Cannon, 1987: 5). Between the two major political parties, the Democrats and the Republicans, there are only relatively minor ideological differences, with the former leaning slightly more to the ‘liberal’ side, while the later are more ‘conservative’, though neither articulates anything near resembling class politics. This has led to much speculation among scholars as to why this could be the case. A number of reasons have been posed, including: 1. America is mainly a middle class society, with an individualistic culture; high levels of social mobility; and equality of opportunity, which are prized over collective action. 2. America does not have a feudal past, from which class cleavages can be drawn. 3. America is the richest industrialized nation in the world, and therefore has an overall higher standard of living, which minimizes any potential for class action. 4. The American working class is divided sharply along ethnic and racial lines. 5. The American two-party system makes it difficult for radical political parties to develop. However, despite this lack of class politics, the US continues to experience some of the most exacerbated income and wealth inequalities in the industrialized world, with the gap between the rich and the poor growing over the past thirty years. In addition, the proportion of the population living in poverty, according to official figures, is at around 14-16 percent (McKay, op. cit. :27). This raises the question as to the nature of class in the United States, and as to how the US class structure (if one exists) is reflected in mainstream politics.

Education For All Essay

Introduction There is so many reasons and so many ways that education can benefit people all around the world. It is stated that schooling for 1 year can increase one person’s income up to 10%, and that is only with 1 year of education!. Education makes people healthier by arming them with knowledge that they can use in their daily lives to protect themselves with, so that they can know how to clean and take care of themselves better. It also saves more children because educated mothers know how to take care of their children better since babies are fragile and very hard to take care of and will  decrease the children mortality rate. Education also teaches people female rights that are often ignored in poorer parts of the world because they have a different view of women. With education women will know their own rights and stand up for themselves instead of doing nothing. Having education for all people around the world is very important because it is the tool to combat poverty. Education will surely decrease poverty all around the world if there was education for everyone, that is not just my opinion, there are so many facts that prove that education will help people in need. Global Perspectives  Governments all around the world has been onto education for all, realizing how important it is to everyone because it can improve the world by a lot, so they decided to set up 6 goals that are related to education for all. These goals will help get the people in poverty basic education that they deserve. These goals will hopefully bring decrease poverty and hunger around the world. Those 6 goals will increase childhood care and also expand on childhood education. They also aim towards providing mandatory primary education for everyone so that everyone has basic education to arm themselves with. The goals will also push for learning life skills for everyone so that more people will be more willing to learn. Increasing adult literacy is also part of the agenda in the education for all goals. Improving the quality of education is one of the aims because there is no use having education for everyone if the quality of education is really low. I think that these goals are all really good goals to follow and if all the government stick to the goals and all the goals get achieved, there will be no more poverty because of education! National/Regional In China, Shanghai tried to give more access to all students and more support for  students that are failing or finding education hard. Shanghai aims to reduce the work that students have to do so that they can do better a school environment, and also create better preschool education to make sure students will do better in primary school. This goal is set to be reached at 2020. Most of the children that aren’t doing well in school are children of people who are migrant workers who didn’t have public education before. It is estimated that around 20% of students are the children of people that are migrant workers. Educational achievement is one thing China really cares about. Contrary to other countries in China, Shanghai realizes that minority students get good education too so Shanghai now has a policy letting migrant student attend public schools with other Shanghai children. There is a system that basically where a special type of school that has more sources than other schools and they accept less students, these schools are called â€Å"key schools†. This system is really outdated and it is less popular now. Shanghai removed this system because it promoted education inequality and made a policy where students had to attend their local school so it will be more equal. Local Perspectives In Hong Kong, they have rules that promote education for all so that everyone will be equal and no races will be left out just because of their race. In Hong Kong, schools can’t discriminate against your race by refusing to take in your child, or admitting your child in worse terms. They cannot deny access of any benefits, facilities or services that they give to other students. It is also against the law for any school, teacher or students to harass other children because of their race. There are 6 kind of schools in Hong Kong. Government schools, Aided schools, DSS Schools (Direct  Subsidy School), Private schools, ESF (English Foundation School), International School. The government, DSS and aided schools use a local curriculum while the other schools use curriculums based on themselves and what they believe in so this can vary a lot depending on the school. The government has a 6 year primary education plan that means you have to attend primary education for 6 years that is a necessity but it can be free if you are attending government schools or aided schools because those schools are funded by the government and not by any private owners. Personal Perspectives. I think that education for all is very important. There are social benefits from having education. There has been stats surveyed that people who have received college education have generally longer lives and will take better care of themselves. The people who receive education will have more self esteem and will be more satisfied with themselves. The people with good education will also be better at solving day to day problems that will make his life much more easier on a daily basis. Educational should be for both genders equally because Education should also be for everyone, it is  also more important for females because the education that the women received has more of an effect on her family and their generations. It doesnt only help herself, she also helps her family. That is why educating women is a good way and a first step to solving poverty on a global scale. There has been research done that married women will have smaller and healthier families. Educated women know the significance of health care and how to get it for her and her family. Education also helps women be more confident about herself and know that she has equal rights and both genders are equal. Education of parents are also linked to the education that their children are gonna receive and mothers is more influential than the fathers so mothers education is important. Educated women are likely to have less mistimed birth and unwanted babies so they will be prepared when they actually decide to have a baby. Education are being received by both genders now because equality of both genders are being recognized as important. Being education gender equal is one of the goals of the millennium development goals that is due in 2015. There are groups like UNFPA that advocate for universal education. They help try to make education more equal in more underdeveloped countries so more countries understand the importance of reducing the gender inequality gap. Future Scenarios and Possible Courses of Action I think that the governments all around the world need to prioritize education for all and bring it higher on their to do lists because it is easily one of the most important things to achieve and it will so many problems on earth. We should also make sure that there will be less sexism in this world because in the poorer areas, women are considered less equal than men. If a family had a daughter and a son, and could only  afford education for one, they will choose the boy because they think the girl is flawed compared to the boy. There should be more policies that empower women and make them more important because right now, people are sexist and still think that men is better than women even though its not true and there are information that suggests women can help solve poverty if more women get educated. I think that the governments in poorer places need to set up more event that promotes education so that everyone knows how important education is so they will emphasize on education for their children. The government should host events to get people to endorse and embrace education so children will want to go to school and work hard. I think there should be cheaper transport in poorer places so that children can get to school much more easily and in a cheaper way so the price of transportation won’t deter them away from going to school. Young people who received formal education should teach people around them so he can spread education to more people. I also think that the more developed countries should use some of their money to fund some organisations that help the less developed countries build schools and  education so more people will have proper education because everyone has the right of education and education is considered a basic human right for a long time. Personal Response I think education is really important because education also plays an important role in reducing world hunger. Child malnutrition is one of the highest death causing problem there is in underdeveloped countries. It is estimated that about 1 billion people do not have access to proper nutrition that is needed to have a healthy life. One of the most important factors of reducing world hunger is educating women, which is  even more effective than directly giving them food. In Bangladesh, if a mother is illiterate, there is a higher chance that her child will be malnourished. Education can help increase food production in countries by giving people the knowledge they need to produce more food and also to increase their knowledge about health. There are studies that show that education directly correlates with food security. In Bangladesh, as women with higher forms of education, there is a much lower chance that they have malnourished children. Research also shows that people with higher forms of education  can produce more foods than ordinary farmers with no knowledge because they might adapt smart strategies that can help produce more food than farmers that use the same strategies over and over again. Only few years of primary education can already boost a farmers output by 9%. In saharan africa, investing in educating women can potentially boost the output of the food by about 25% which is a really higher number. AIDS/HIV is a really huge problem in still developing countries and one of the most important ways of preventing or help reduce the number of AIDS/HIV is education. According to the global campaign for education, â€Å"If all children received a complete primary education, the economic impact of HIV/AIDS could be greatly reduced and around 700,000 cases of HIV in young adults could be prevented each year, seven million in a decade† That just shows that education is key to stopping and preventing AIDS/HIV from spreading even more. Lots of young men and women who don’t have the required education do not even know about AIDS/HIV and is in risk of getting it very easily. References www. educationforallblog. org www. unicef. org www. eoc. org. hk www. ncee. org www. unesco. org www. un. org.

Employment Law Essay

The main issue under consideration in this case is whether a claim under the Age Discrimination in Employment Act of 1967 (ADEA) can be subjected to compulsory arbitration pursuant to an arbitration agreement in a securities registration application. Gilmer contends that it is not. Among the arguments raised by Gilmer are: a) the compulsory arbitration of claims under the ADEA pursuant to arbitration agreement is inconsistent with the purpose of the Federal Arbitration Agreement; b) the compulsory arbitration of claims will undermine the role of the EEOC in enforcing the ADEA; c) compulsory arbitration will deprive the claimant of the judicial forum provided for by the ADEA; d) compulsory arbitration should not be countenanced because of the inherent inequality in the bargaining power between the employers and the employees. The Supreme Court affirmed the judgment of the United States Court of Appeals for the Fourth Circuit holding that an ADEA claim may be subjected to compulsory arbitration. The Supreme Court ruled that it does not see any inconsistency between the purpose of FAA and the enforcement of agreements to arbitrate under age discrimination claims. The Sherman Act, the Securities Exchange Act of 1934, RICO, and the Securities Act of 1933 all are designed to advance important public policies but claims under these statutes may still be subjected to compulsory arbitration. Also, it is incorrect to argue that compulsory arbitration will undermine the role of EEOC in enforcing the ADEA because a claimant subject to arbitration agreement is still free to file a charge with the EEOC. Further, compulsory arbitration agreements will not deprive the claimants of their right to seek judicial recourse under ADEA rather it even broadens the right of the claimants as they now have the right to select the forum for resolving their disputes whether judicial or otherwise. Mere inequality in the bargaining power between the employer and the employee is not sufficient to hold that arbitration agreements should not be enforceable as it is precisely the purpose of FAA to place arbitration agreements in the same footing as other contracts. In effect, the Gilmer case required claimants who are under compulsory arbitration agreements to comply with the said agreements before they seek judicial recourse even if it involves a claim under the ADEA. In the dissenting opinion of Justice Stevens, he argued that arbitration clauses contained in employment agreements are specifically exempt from coverage of the FAA thus respondent corporation cannot compel petitioner to submit his claims arising under the Age Discrimination in Employment Act of 1967 (ADEA) to compulsory arbitration. One of the arguments raised is that the requirement of compulsory arbitration between the petitioner and the respondent is not embodied in the contract of employment. In fact it was admitted by both parties that there was no contract of employment between them. Instead, the Compulsory Arbitration clause was embodied only in Gilmer’s application for registration before the NYSE. Moreover even if there was a contract of employment, the FAA should be not held to apply to employment-related disputes between employees and employers. It would be contrary to the spirit of the FAA to allow the same people who have practiced discrimination against an employee to bargain with them for the purpose of settling their disputes. I agree with the majority opinion. In the first place, the injured party in discrimination suits is the employee. As the injured party, they have the freedom to seek judicial recourse for the purpose of obtaining relief for the damage done to them. However, they also have the freedom to opt for other alternatives. In an effort to settle their dispute with their employers, they may choose to enter into arbitration. Indeed, it would be more in keeping with the laissez faire doctrine to allow both the employers and the employees to settle their dispute among themselves.

Free Essays on Democratic Fallacies

that tell the audience to get involved. I found a small box in the corner of the first page. â€Å"Your involvement now counts more than ever. This is a time to stand firm on critical principles. Sign up today and we will send you the latest updates and action items.† That is a pandering fallacy. When I read that, I thought they used an emotional appeal. â€Å"Your involvement now counts more than ever†¦Ã¢â‚¬  can they pressure us anymore? They make the audience feel that they have to â€Å"stand firm on critical principles.† Kerry and his team want us to get involve today. That’s my reason for thinking that was a pandering fallacy. When someone commits a mistake people usually criticize and attack their character based on a few mistakes, which anyone could have made. When it is someone else other than you, it is easier to criticize. I think it is not fair. A Kerry supporter wrote â€Å"His record of failure and his inability to play it straight with the American people and our troops oversees make him unfit to serve as secretary of defense for one more day, never mind four more years.† That’s a personal attack on Donald Rumsfeld. Why attack his character and credibility based on a few mistakes. ... Free Essays on Democratic Fallacies Free Essays on Democratic Fallacies Democratic Fallacies My first essay is based on the fallacies that I found on the Democratic website of Kerry. I read and learned to spot fallacies while reading. The Kerry website is intended for the older audience. As a twenty three year old I felt I could have read something that could have been more tailored for my age. Unfortunately I did not feel the Kerry website addressed the younger generation. I did know that presidents used fallacies as a way to attract voters to vote for their political party. However, I was not aware how manipulators candidates can be. Candidates use fallacies successfully on speeches, writings, etc. to lure people to their side and achieve votes in high numbers. In the website, I found a few words that tell the audience to get involved. I found a small box in the corner of the first page. â€Å"Your involvement now counts more than ever. This is a time to stand firm on critical principles. Sign up today and we will send you the latest updates and action items.† That is a pandering fallacy. When I read that, I thought they used an emotional appeal. â€Å"Your involvement now counts more than ever†¦Ã¢â‚¬  can they pressure us anymore? They make the audience feel that they have to â€Å"stand firm on critical principles.† Kerry and his team want us to get involve today. That’s my reason for thinking that was a pandering fallacy. When someone commits a mistake people usually criticize and attack their character based on a few mistakes, which anyone could have made. When it is someone else other than you, it is easier to criticize. I think it is not fair. A Kerry supporter wrote â€Å"His record of failure and his inability to play it straight with the American people and our troops oversees make him unfit to serve as secretary of defense for one more day, never mind four more years.† That’s a personal attack on Donald Rumsfeld. Why attack his character and credibility based on a few mistakes. ...

Determine Number of Protons and Electrons in Ions

Determine Number of Protons and Electrons in Ions The number of protons and electrons in an atom or molecule determines its charge and whether it is a neutral species or an ion. This worked chemistry problem demonstrates how to determine the number of protons and electrons in an ion. For atomic ions, the key points to keep in mind are: A neutral atom has the same number of protons and electrons. This number is the atomic number of the element.A positively-charged ion or cation has more protons than electrons. The proton number is the atomic number of the element, while the electron number is the atomic number minus the charge.A negatively-charged ion or anion has more electrons than protons. Again, the number of protons is the atomic number. The number of electrons is the atomic number added to the charge. Protons and Electrons Problem Identify the number of protons and electrons in the Sc3 ion. Solution Use the Periodic Table to find the atomic number of Sc (scandium). The atomic number is 21, which means that scandium has 21 protons. While a neutral atom for scandium would have the same number of electrons as protons, the ion is shown to have a 3 charge. This means it has 3 fewer electrons than the neutral atom or 21 - 3 18 electrons. Answer The Sc3 ion contains 21 protons and 18 electrons. Protons and Electrons in Polyatomic Ions When you are working with polyatomic ions (ions consisting of groups of atoms), the number of electrons is greater than the sum of the atomic numbers of the atoms for an anion and less than this value for a cation.

Strategy Essay Example | Topics and Well Written Essays - 1750 words - 2

Strategy - Essay Example Following the global financial crisis that was offset by the bursting of the housing bubble in 2008 in the USA and later followed by the global financial crisis in 2010, a lot of firms have adopted measures to deal with the reduced revenue and sales yield amidst growing competition from other firms and many of the firms have adopted competitive business strategies. Competitive business strategies facilitate a firm to sell or produce products and services with more efficiency and with the sole aim of having a competitive advantage over their competitors (Mandarini 2014). There are a variety of business strategies that are used by managers as they have choices between using set standard strategies or creating their own set of strategies and therefore it should be noted that, flexibility and innovation play a very important role in competitive business strategies. Competitive advantage is a management strategy that was first developed by Michael Porter who classified the competitive advantage of an organization as being either achieved through differentiation, or by adopting lower costs of production (Dicken 2011). Competitive advantage enables a company to gain a competitive advantage over its rivals in the market through adopting new information technology, gaining access to natural resources or highly skilled personnel. One of the companies in the last decade that has outshone its competitors due to the adoption of a strategic management strategy that places emphasis on acquiring a competitive advantage via adoption of new technology and differentiation different form other firms in the market has been Apple. In the period between 2001 and 2007 following the unveiling of the Apple iPod and Apple iPhone respectively, the company, courtesy of its CEO, Steve Jobs had shifted from its previous strategy of premium priced innovative computers, w hich was a relatively safe strategy and adopted the highly risky but profitable strategy of venturing into the extremely