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Credit and a Competitive Market

 

Property developers most likely saw the sharp increase in price as an opportunity for larger earnings because the property market operates in a cycle, in which there is a boom, slum and recovery phase. As the property market boom occurred in 2007, it was highly unlikely that a property market slum would be occurring at any time soon. Therefore property developers started to develop larger amounts of private residential properties around the year of 2007 so as to take advantage of the property market boom and that would explain the sharp increase in the units of residential property developed in 2008.
             However in 2009, the Singapore government implemented the first round of property cooling measures to maintain the affordability of private residential properties. Even though the first round of property was not successful in reducing the prices of the properties, property developers saw such cooling measures as a threat to their profitability and therefore, the units of residential properties developed in 2009 was significantly lesser than the units developed in 2008. The government implemented additional property cooling measures in the following years and the measures started to have an effect on residential property prices as shown by the stabilization of property prices in 2010-2012. As of 2013, the government has implemented a total of 8 rounds of property cooling measures and as a result, property developers continued to decrease the units of new residential properties being developed each year.
             According to URA, the prices of private residential properties increased by 0.4% in 3rd Quarter 2013, which is lower than the 1.0% increase recorded in 2nd Quarter 2013. Therefore, it is likely that the units of private residential properties being developed in 2013 will continue to decrease due to the stabilization of residential property prices.
             2.3 Prices of Private Properties (Commercial & Industrial).


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
  • Grade Level: Graduate

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...

  • Word Count: 5026
  • Approx Pages: 20
  • Has Bibliography
  • Grade Level: High School

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
  • Approx Pages: 4

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