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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...

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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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3. Capital One Financial Corporation

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4. Markets and Oligopsony and Monopsonistic Competition

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5. IBAC

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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. ...

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7. ZipCar Business model

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8. The Financial Services Industry

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