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Credit and a Competitive Market

 


             2. Level of Growth and Development.
             2.1 Development of Private Properties.
             According to URA, the amount of private properties in Singapore has been increasing steadily over the years. The available units of private residential properties has seen sharp increases over the year range of 2006-2012 while the available space of commercial and industrial private properties has only seen moderate increases over the year range of 2006-2012. In addition, there was a decrease in commercial space in the year 2007 (Refer to appendix 8.1 & 8.3).
             The units of private residential properties being developed each year has been increasing sharply over the year range of 2006-2012 and the increase of residential properties only started slowing down in the year 2012 (Refer to appendix 8.2). On the other hand, the private commercial and industrial space being developed each year has been increasing steadily up till 2009 and the increase started to slow down in the subsequent years (Refer to appendix 8.4). One of the major reasons why the residential property market has been faring better than the commercial or industrial property market is because of the sharp inflation of residential property prices caused by the property market boom back in 2007.
             2.2 Prices of Private Properties (Residential).
             The prices of private properties can be considered as a major driver of the property developers as property developers need large amount of capitals to develop a property and most of their capital comes from their retained earnings. As of 2012, the property price index shows that the category of residential property has the highest price followed by industrial properties and commercial properties (Refer to appendix 8.5).
             From the property price index, the prices of residential properties increased sharply in 2007 due to the residential property market boom and the sharp increase in price coincided with sharp increase of residential properties developed in 2008.


Essays Related to Credit and a Competitive Market

1. Accurate Methods for Measuring Competitiveness

Among the advanced economies, two patterns seem to emerge: the United States, Canada, and Japan are expected to grow at a gentle pace, while the prospects for the euro zone are more uncertain, especially as tight credit conditions continue to limit domestic demand. ... In emerging markets, it is uncertain how protests in Brazil and Turkey, the credit crunch in China, and the potentially volatile capital flows to emerging and developing markets will affect growth in these economies. ... Since 2005, the World Economic Forum has based its competitiveness analysis on the Global Competitiveness Ind...

  • Word Count: 4162
  • Approx Pages: 17
  • Has Bibliography
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2. Chinese Car Market

In order to improve the environment for the car buyer, a credit system is about to be founded and developed. It was felt that the credit system could substantially benefit the Chinese car market. Last year only 20% of the 720,000 cars sold in China were on credit, so a functioning credit system would likely boost sales. ... The rapid growth of the Chinese economy and substantial increases in disposable income in addition with a coming credit system will also very likely contribute to a real growth in the sales of cars. ... One of the reasons that China does not have a sound working credit syst...

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  • Approx Pages: 20
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3. Capital One Financial Corporation

A competitive advantage arises when a company outperforms the competitors in its market, in that the firm's product does not only create positive value, but it creates more value than its competitors. Capital One's competitive advantage is evident in that the bank has been outperforming most of its competitors in terms both of market share and of margins. ... Capital One's competitive advantage is contributed to their Information-Based Strategy (IBS), which allows the company to employ mass customization based on results of tests performed in the market place. ... The Great ...

  • Word Count: 1842
  • Approx Pages: 7
  • Grade Level: Undergraduate

4. Markets and Oligopsony and Monopsonistic Competition

Figure 1: Kinked supply curve in oligopsony (anemecon, 2012) Unlike the perfect competitive labor market, oligopsony or monopsonistic competition's labor supply curve is not perfectly elastic which means employees will not leave immediately when there is a wage cut. ... The firm-sponsored trainings and minimum wage effects in oligopsony and monopsonistic competition are quite different compared to perfectly competitive market. ... In competitive labor market, the workers receive the marginal product so the employers never invest in general skills as worker can easily change their job w...

  • Word Count: 2083
  • Approx Pages: 8
  • Has Bibliography
  • Grade Level: Undergraduate

5. IBAC

Even with the highly competitive market, some developing industrial countries ( i.e. ... From the perspective of Porters Five Forces, we will look at the competitive rivalry between firms, the bargaining power of the suppliers (credit rating industry) and the consumers, the threat of substitutes, and the threat of new entrants. First, I want to look at the competitive rivalry between firms. ... Other than Moody's and S&P, who are the market leaders in the credit rating industry, and who have a comprehensive scope, the competition seems to have its own strength status in this market. ......

  • Word Count: 2065
  • Approx Pages: 8

6. Community Economic Development

Businesses may also help the local capital savings by participating in local Credit Unions. As businesses choose the local credit union as their banks, they help the financial institutions that focuse on local economy. ... For example, Relying on the local expertise limits the labor market available to local businesses. The competing businesses can take advantage of the non-local labors and respond to market more efficiently. ... Losing the competitive advantage will put the businesses under a great risk and can force the businesses to exit the market. ...

  • Word Count: 597
  • Approx Pages: 2
  • Grade Level: Undergraduate

7. ZipCar Business model

Its competitive advantages over other rental services are: Hassle free rental - Zipcar's technology knows when a member lock and unlock the doors and how many miles they have traveled - therefore, no paperwork required. ... I believe that a key factor in that would be to increase the marketing effort (and budget) to allow increased market awareness and market penetration. ... As Zipcar is considered a credit risk by car financing organizations, different options for financing a car should be investigated to lower its cost. ... Many potential markets are still unaddressed an...

  • Word Count: 889
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8. The Financial Services Industry

The National Protection Act 2009 establishes a single, standard, national system for the regulation of credit. ... The code also protects consumers if they get into difficulty with their credit. ... Their purpose is to reduce fraud and unfair practices in financial markets and financial products so consumers use them confidently and companies and markets perform effectively. ... Competitive markets increase the prosperity and welfare of Australian consumers. ... This means they will take action where this improves consumer welfare, protects competition or stops conduct that is anti-competitive...

  • Word Count: 1272
  • Approx Pages: 5
  • Has Bibliography
  • Grade Level: Graduate