Includes recommendations for banking in China Essay Example for Free

Includes recommendations for banking in China Essay The bank is progressively upgrading its services and is attempting to match the best practices in the banking industry. This is evident from its Factoring programme for businesses. This enables business people to assign receivables to Bank of China and in turn they are provided with all facilities for collection, finance of trade, risk control and ledger sales management. In addition there is easy finance on production of delivery of goods, provision of capital at low cost, protection of credit to the seller despite any financial difficulty of the buyer, thus in some cases it will be the buyer also who will be benefiting along with the seller in case Factoring is undertaken. The Factoring services include export and import factoring as well export and domestic invoice discounting and domestic full factoring. Being the first and the largest factoring services provider in China’s banking sector, it has build extensive experience in this field and therefore will provide assured services. (Factoring, 2006). BOC has developed partnerships with large state held Chinese corporations such as the oil and petroleum company China National Petroleum Corporation. This will add value to its global business and create partnerships for growth. Security and risk management in Bank of China is dependent on its corporate governance policy. This is determined and controlled by the board of directors which oversees the overall operation and administration. As per standard norms of banks, committees are appointed to supervise various banking functions which include those for strategic planning, audit, risk management, personnel and remuneration and transaction controls. (Governance, 2006). The various stake holders in the bank include apart from the state government, the share holders, a board of directors, in which the posts of Chairman and President are said to be separate, a board o f supervisors and senior management. (Governance, 2006). The large quantum of non performing assets and a state control however does not immediately contribute to confidence in this area. The Bank is prone to provide for areas which are determined by the Central government and to that extent its policies are not ruled by the needs of ensuring profitability and efficiency. The picture in China is however continuously changing and greater progress in this sphere is anticipated in the future. HSBC exploits it legacy of banking in China to effect as it has been present in the Middle Kingdom since 1865. (HSBC China, 2006). The Bank provides the customers the advantage of being a single banker for domestic as well as foreign banking services thereby providing it convenience, speed, security and assurance. (HSBC China, 2006). HSBC is seen to operate at an entirely different level. The products, services and processes for the customers have been well established by the bank. It is now marketing these facilities to provide growth both in the personal and business banking sectors. Modern banking as practiced by HSBC is not only creating facilities such as automated teller and cash machines but actually recognizing the benefits of customers using these. This leads banks as HSBC to sponsor various gift schemes for users who use cash machines or pay their bills online. This indicates that services are not mere conveniences but offers which enable the bank to actually increase its efficiency. Then there are services such as money managers for the business, high interest deposit bonds, money market account and clients deposit account which enables pooling of money in a single account. HSBC also manages pensions of employers for a business as well for individuals. For business there are other factilities that are being provided such as business internet banking as well as HSBCnet which provides larger companies with a complete range of services on the internet, invoice finance, Against the internal growth outlook of Bank of China, HSBC is seeking more challenges externally as the Worlds local bank and is investing in many developing countries such as Vietnam, Saudi Arabia and even Iraq. (Schuman, 2006). The low penetration of modern banking systems services for example credit cards in China which for a 1. 3 billion population has only 10 million card holders has promised greater possibility and scope for banks such as HSBC. While HSBC sees itself as the Worlds local bank, the BOC wants to seek primacy in Chinese banking by providing assistance in doing business globally. Thus there is a difference in the focus of both the banks. This also underlines an essential difference in the states of the Chinese banking industry vis a vis global banking conglomerates as HSBC. The Chinese banking industry is still in its nascence and thus sees itself as a provider of financial services to its domestic clientele be it personal or corporate to operate internationally. On the other hand HSBC sees itself as a bank for global banking regardless of the nationality of its clients. The Bank of China will have to face these challenges in the future in a very cohesive manner. Bank of China is well established domestically as well as globally. It can conduct sustained operations as it has adequate experience and exposure to varied political, economic and financial regimes. The global orientation of the bank is particularly favorable for its sustained growth and expansion in the future. It can thus provide the lead to other banks in China.

Essay --

Psychology has different ways of defining human behaviour using different psychological perspectives. This essay will be focussing on two different psychological perspectives which are socio-cultural and psychoanalysis. We will therefore provide an explanation for Tumi’s experiences using different sources. We will define the perspectives, discuss the proponents of the theory, basic premises and causes of behaviour, research methods used, strengths and limitation. Sociocultural perspective examines how the social environment and cultural learning influence our behaviour, thoughts and feelings (Holt, N., et al.2013, p.34). Sociocultural perspective has different approaches as Santrock (2003) stated that sociocultural approach examines how social and cultural environments impacted on behaviour and debates a full understanding of human’s behaviour that requires knowledge about cultural context which the behaviour occurs. According to Matsumoto (2001) sociocultural approach also focusses on the behaviour of people from unique ethnic and cultural groups within a culture. Psychoanalysis is the theory of personality developed by Freud that emphasizes the roles of unconscious mental processes, early childhood experiences, and the drives of sex and aggression in personality, behaviour is largely influenced by our unconscious wishes, thoughts, and desires, especially sex and aggression (Gray, 1994). As Nolen-Hoeksema et al (2009) psychoanalysis developed by Freud, unconscious, childhood experiences are controlled by inner forces. Tumi’s feeling of going crazy is being influenced by what she thinks, feels and her experiences as she had a poor relationship with her mother and sister, passing away of her aunt, her belongings being stolen, ... ...jective and extremely interpretative and he also placed an over-emphasis on sexual drive and provides us with an extremely pessimistic outlook on personality as it discounts the notion of free will. Weakness of sociocultural perspective is that to become a sangoma requires difficult training, as it is regarded as a calling which is as great honour gift and that if the person abuses the power ancestors withdraw power (Cumes, 2013:71). In conclusion both psychoanalytic and sociocultural perspective helped in giving a better understanding of Tumi’s behaviour and how we can help her to recover from the situation. I recommend that psychologists should keep on training students about these perspectives as it will enable them to gain more knowledge and be able to exercise new skills of dealing with problems and innovations in supporting the people in the communities.

Understanding Abuse

Recent periods of social progress and development have seen many concepts and constructs receive widespread attention to what can be described as negative behaviours and one concept and area in particular to receive this attention is abuse. Any response to find a solution to a problem whilst remaining effective and appropriate can experience various complications as there can be an inability to provide a clear and detailed definition of what it actually constitutes, provision of evidence that remains compelling and substantial and taking on board the cultural, social and political considerations and factors that are relevant to the society pertinent to the discussion will receive complications. This lack of clearness in its debate has led to the development of additional descriptions alongside abuse such as psychological maltreatment (Garbino, Guttman&Seeley, 1986), further confusing the issue and its resolution but in spite of this confusion their has been much learned from what attempts have been made in the exploration and analysis of abuse and this discussion will try to identify different types of abuse,expain why particular groups or individuals may be vulnerable ,its differing contexts,risk factors associated and ensure the impact of cultural and social factors on the range of abuse is analysed thoroughly. Abuse is the weapon of the vulgar† (Samuel Griswold Goodrich) Abuse is a term that relates itself to any deliberate calculated damaging or deteremental behaviour purposefully used to damage or harm an individual or group and can occur when a person misuses ormistreats another group or individual without any interest in their worth,dignity or well-being. It can be seen as a behaviour where the abuser is interested in the exertion of power and control over the individual and be prepared to manipulate or exploit the individual involved into submission or obedience to their will. In recent decades it has been described in various forms but the main categories to contemplate are Physical,Emotional,Sexual and neglectful and a recently highlighted phenomena of Institutional abuse,that has led to greater awareness and debate. Physical abuse was the earliest form of abuse thought to have come under public consideration in the 1960’s and was believed to be linked to child abuse until child sexual cases started to come to prominence with the Cleveland cases in 1987(Corby,B,Child abuse,1993,p86) and has been defined as â€Å"hitting,shaking,throwing,poisoning,burning or scalding,drowning,suffocating or otherwise causing physical harm to a child. Physical harm may also be caused when a parent or carer feigns the symptoms of or deliberately causes the ill-health to a child they are looking after. This situation is commonly described using terms such as fictitious illness by proxy or â€Å"Munchausen Syndrome by proxy†(Dept of Health,1995:5). This definition can be seen to as quite specific but does not provide any suggestions as to when such actions are deemed grave to authorise intervention and prevention of such behaviours and although it has various forms it can be the most visible, having damaging and long lasting effects. Emotional abuse and neglect has been defined according to the Dept of Health as â€Å"the persistent adverse effects on the child’s emotional development†(Dept of Health,1999:5-6) and relates itself to malicious †parental behaviour that damages a child’s self-esteem,degrades a sense of achievement,diminishes a sense of belonging and stands in the way of healthy,vigorous and happy development. Emotional abuse has been described as an overtly rejecting behaviour of carers on the one hand or as passive neglect on the other†(Iwaniec,D,Child care in Practice,1994). As a separate form of abuse it was only recognised by legislation in the United Kingdom in the 1980’s although it did receive recognition in the United States since 1977. Attempts have been made to define emotional abuse and neglect in a general way and five damaging behaviours have been levelled by Garbino,Guttman and Seeley(1986) as rejecting,isolating,terrorising,ignoring and corrupting with these actions being a concerted attack by an adult on a child’s development of self and social competence only being described as overtly abusive,painful and developmentally and cognitively damaging. Such behaviour can be seen as an act of commission or omission occuring â€Å"when meaningful adults are unable to provide necessary nuturance,stimulation,encouragement and protection to the child at various stages of development which inhibits his optimal functioning†(Whiting,1976). Sexual abuse in relation to children has been described as â€Å"involving,forcing or enticing a child or young person to take part in sexual activites whether or not the child is aware of what is happening. The activites may involve physical contact,including penetrative(e. g rape or buggery) and non-penetrative acts. They may also include non-contact activites such as involving children in looking at or in the production of pornographic material,or watching sexual activites or encouraging children to behave in sexually inappropriate ways†(Dept of Health,1996,6). This description of sexual abuse specifies that sexual abuse may not necessarily involve physical contact although there can be many other areas to be included when involving a definition such as what is the relation of the perpetrator of such acts and the definition put forward by Glasser and Frosh seems to be more comprehensive â€Å"Any child below the age of consent may be deemed to have been sexually abused when a sexually mature person has by design or by neglect of their usual societal or specific responsibilities in relation to the child,engaged or permitted the engagement of that child in any activity of a sexual nature which is intended to lead to the sexual gratification of the sexually mature person†(Glasser and Frosh,1988,5). This definition pertains to whether or not it involves genital or physical contact and whether or not there is a discernable harmful outcome in the short term. Child sexual abuse is a highly difficult problem and is far more commonplace than previously thought and also affects older as well as younger children(MacFarlane&Waterman,1986) although their is a greater degree of seriousness among practitioners about the urgency of intervention to protect children from such abuse. Another form of abuse that has received prominence in recent years is Institutional abuse that mainly involved children living in residential care including being under the care of a local authority with one case that rose to prominence being the Pindown Inquiry in 1991 concerning the use of a system referred to as Pindown in children’s homes in Staffordshire England. The Inquiry outlined how methods of controlling children involved techniques that could be construed as sensory deprivation and solitary confinement, were used over a large period of time under the approval of the management of Staffordshire Social Services being only described as brutal in there approach. In the following years a glut of cases came to the fore and the Department of Health responded by instigating a general inquiry in the state of residential care that came to be known as the Utting report 1991,that provided a view on the conflicting sides in care homes good and bad and making a note of the need for greater vigilance and the development of greater measures to protect the safety of children in such places of care. In situations where abuse occurs different groups and individuals can be more vulnerable to abuse than others and the need for greater research into these cases will only help to develop a better understanding of abuse and its forms.. One grouping where abuse has gained significance and shown how a group can be more vulnerable is amongst elderly individuals in domiciliary and residential settings as â€Å"behind closed doors† can be more difficult to combat as contact between victims and services can be extremely limited. Elder abuse has probably been placed in the background in its significance to such abuse as child abuse but any form of abuse is not to be tolerated as each individual has a significant sense of worth and uniqueness in life though elder abuse is often an ignored and hidden problem in society as â€Å"The voice of older people is rarely heard by those who have responsibility for commissioning,regulating and inspecting services†(Fitzgerald,G,Action for Elder Abuse). In 2000 the Dept issued guidance(No Secrets) on the protection of vulnerable adults from abuse defining a vulnerable person as one â€Å"who is or may be in need of community care services by reason of mental or other disability,age or illness and who is or may be unable to protect him or herself against significant harm or exploitation†(No Secrets,paras2. 5-2. 6) and although this definition was not restricted to older people it has received criticism as it appeared to exclude those individuals who do not require community care but with no standard definition of Elder abuse in the United kingdom as the term has been imported from the United States one commonly used definition is â€Å"a single or repeated act of inappropriate action occurring within any relationship where there is an expectation of trust which causes harm or distress to an older person†(House of Commons Health Commitee,Elder Abuse,Volume 1,2004,P5). Abuse exists when a lack of care from one person towards another is present in a relationship and the thought of predicting abuse or neglect is appealing because of its ability to be preventative and adults have a sense or obligation of care in may respects of life being held to be trustworthy in the application of that duty but the more responsible the relationship the higher the chance of abuse that can exist and parental care is one context that can be seen as the primary type of relationship where abuse can occur and what does or does not be held to be adequate care can be important when making decisions about the likelihood of abuse occurring. With the Childrens Act 1989 not giving any firm statement of intent on what can be deemed adequate care and broad ideas on what care should involve such as physical and emotional responses,health,protection and cognitive behavioural development, research and evidence can be crucial in reviewing contexts and the suggestion that particular c hildren can be determined for abuse with researchers interested in the dynamics of why particular children are susceptible. Predicting abuse by observing maternal responses to new born babies is an important feature of child protection with children who are seen as not wanted or the â€Å"wrong sex† by their parents at a greater risk(Roberts ,1980) but many parents often carry into life unresolved issues from their own childhood or present circumstances that have a substantial impact on their ability to form deep and lasting relationships with their children,†The undermining effect of a difficult child on parental functioning will be lessened when the parent has an abundance of personal psychological resources ,conversely an easy to rear child can compensate for limited personal resources on the part of the parent on maintaining parental effectiveness†(Belsky&Vondra,1989,188), therefore solid connections to parent or primary care giver is essential to the child’s development and growth. Parents who experience substance abuse,domestic violence or mental health issues can provide risk factors or damaging environments where children can be open to abuse and although not all parents with these experiences can be a risk to their children,their ability to provide adequate care can be limited and damaging. Substance misuse can result in a parents ability to erform basic parenting tasks(Kroll,2004) and be generative of chaotic environments and has come to focus in many families that are under child protection enquiries even during pregnancy and early development. Mental illness can also be seen as another factor relating to abuse ranging from a parents depression to psychotic or delusional violence that can result in fatal cases. The risks can be seen as greater if the parent shows hostility or aggression towards the child,ultimately becoming a target with many children taking on a caring role themselves as parenting can be in conflict and opposition. Another factor co-exis ting and overlapping with the factors previously discussed is domestic violence. Domestic violence is common and is seen usually in the context of the male exerting power over a female and a form of controlling behaviour with violence beginning even during pregnancy increasing in severity leading to a effect on emotional and psychosocial development. With a child being witness to such behaviour anxiety and stress can result in the childs having long term effect even when physical violence is not present. So although factors can emphasise a disposition to abuse the truth is never that clear and no single event or outcome can be determined and the likelihood is that factors such as those discussed are part of a complex context and set of circumstances beginning even long before the child is involved. Social factors can also have considerable effect on abuse and links have been made between male unemployment and the physical abuse of children(Gillham,1998) and the Department of Health has also conducted its own studies finding that 95 percent of children on protection registers are from poor families(Dept of Health,1995) with children from lower economic environments more likely to be abused(Lawson,2000),nevertheless it has been argued that child abuse cuts across all social class with lower classes more susceptible to come under government investigation because of their need for more government resources with this in mind â€Å"Child abuse is strongly related to class, inequality and poverty both in terms of prevelance and severity†¦ olving the problem requires a realignment of social policy which recognises the necessity of tackling the social,economic and cultural conditions associated with the abuse†(Parton,1985,175-176) â€Å"Abuse in the form of violence against women is a normal feature of patriarcial relations. It is a major vehicle that men use in controlling women,as such it is the norm not an aberration. The widespread incidence of child sexual abuse reveals the extent to which men are prepared to wield sexual violence as a major weapon in asserting their authority over women† (Dominelli,1986,p12) Abuse can be seen as a product of a particular culture and child rearing practices are different from time to place being influenced by religion,class,sexuality etc. Culturally approved practices â€Å"such as isolating infants and small children in rooms or beds of their own at night,making them wait for readily available food or allowing them to cry without immediate attending to their needs or desires would be at odds with the child rearing philosophies of most of the cultures discussed†(Korbin,1981,p4) need to be taken into consideration when defining are certain acts abusive but that does not mean that these ideas are not to be challenged. In the vast majority of abuse cases children or women can be seen to the victim and women have been subjected to horrendous acts and ordeals through out many cultures. The challenging of old ideas as an example can be seen in the context of the rape of women in Zimbabwe being traditionally remedied by the arrangement of the perpetrator to the victim in marriage. This act can be seen as seriously and psychologically wicked in its practice but it is an example of where outside support for change can b e directed. Other cultural practices such as circumsion and clitoridectomy should be seen as widely abusive acts (Finkelhor&Korbin,1988) and as all abuse is seen in the context of power over the victim rape is another practice especially in the context of war,with the idea of dehumanising the victims leaving a state of fear,anger and hate having long term effects individually and collectively. Being able to differentiate between culturally normative and abusive behaviour without the fear of being seen as racist or stereotypical in approach can result in the protection of abusive individuals and many cases have seen elements of the failure to protect, such examples have included Tyra Henry(Lambeth,1987),Ailee Labonte(Newham Area child protection committee,2002) and Victoria Climbie(Laming,2003),so culture can be a significant factor in how abuse operates and is defined. â€Å"No one ever became depraved with suddenness† (Juvenal,AD c-60-c130) To conclude, further study and research needs to be paid into abuse, its characteristics and manifestations and greater clarification needs to be sought in many areas and inquiry within the context of abuse, peer relationships and the way they are experienced and handled having implications in how individuals relate to others in life as â€Å"Contemporaries increasingly seek one another as the primary sources of support, security and intimacy†(Mueller&Silverman,1989,p583) so many factors need to be taken into account when in discussion but as stated earlier abuse is seen as the act of power over another individual or group so the last words belong to the great Carl Jung in that â€Å"Where love reigns ,there is no will to power and where power is all pervading,Love is absent. The one is but the shadow of the other† (Carl Gustav Jung ,1917,Gesammelte Werke,Vol. 7,Zurich,Rascheter-Verlag)

The Abortion Debate Essay - 1967 Words

The Abortion Debate Abortion is a form of murder and demeans the value of human life. Other birth control is readily available; thus, abortion shouldnt be a form of birth control. The societal contributions of a potentially valuable human being are wiped out. Women who have abortions often suffer major psychological damage from the experience along with, in some cases, the father of the child. The advances of genetic testing may prompt more abortions (to avoid having the non-ideal child). There are many couples who spend years on waiting lists trying to adopt a child. The abortion decision is often made by minors or young adults, who dont have the maturity and life experiences to make good decisions. People have the†¦show more content†¦The issue has been recharged under the Bush administration. In Bushs first term, Congress passed a bill making third trimester abortions, or partial birth abortions, illegal. Many of President Bushs judicial nominations have been thwarted by the Democrats usually for one reason and one reason only -- their stance on Roe vs. Wade, the controversial court decision that first made abortion legal. Which side is right? Are there any shades of gray in this dispute? Yes Abortion is a form of murder and demeans the value of human life. When a pregnant women feels a kick in her belly, she doesnt say Oh, the fetus kicked or Oh, the mass of cells that hasnt become a person kicked, she says The baby kicked. Yes, after conception you have a real human being waiting to enter the world. Why should taking someones life when theyre in the womb be any different than taking their life when theyre a baby in the crib? Pro-choice advocates claim this isnt a real baby only to justify their wrong acts in their own minds. Even if you dont believe abortion is murder, it still demeans the value of human life, since women can so callously stomp out a living being simply because theyre inconvenienced. Other birth control is readily available; thus, abortion shouldnt be a form of birth control. There are dozens of birth control methods that can keep you from becoming pregnant, including the 100 percent effective one: abstinence. Maybe if abortion wasntShow MoreRelatedThe Debate On Abortion And Abortion1448 Words   |  6 PagesAbortion. This word leaves most people feeling uneasy after just saying it out loud. The discussion of abortion is continuously left open-ended with millions of opinions, arguments, and questions. Abortions occur every single day leaving potential fathers devastated or thrilled, leaving friends and families broken and distraught or in contrast, proud. More importantly, leaving the potential mother uncertain and even destroyed. 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Some argue that women should be protected from the powers of government in terms of reproductive rights while others argue thatRead MoreAbortion In The United States Is A Major Topic Of Debate1218 Words   |  5 PagesAbortion in the United States is a major topic of debate in United States politics. People today frequently hear the terms pro-choice and pro-life, which represent the liberal and conservative views on this issue, respectively. First made illegal in the late 1800s, the federal government did not rule that abortion was legal again until the Roe vs. Wade Supreme Court decision in 1973. Despite this ruling, citizens still fight for women’s ability to terminate their pregnancies as they face legislature