Discussion of the four pillars policy in banking industry

Reference no: EM132374548 , Length: word count:2500

Banking and Finance Assignment - Discussion of the four pillars policy in Australia's banking industry

Subject Learning Outcomes -

a) Describe the global and Australian financial systems, with emphasis on the functions of their member institutions, the risks faced and the major role played by the banks.

b) Outline the financial regulatory and monetary authorities in Australia and their functions and powers.

c) Detail the major operations of the commercial banks and of the major non-bank financial institutions in Australia and, following deregulation, the expansionary moves by banks into the non-bank financial areas.

d) Explain the roles and functions of the share market, including its listing requirements, equity funding alternatives and the private equity market.

e) Describe the purposes and features of the domestic and international debt markets, the features which influence exchange rates and the use of financial swaps.

f) Outline the current challenges facing the banking system, including capital adequacy, higher taxation and increased scrutiny of their affairs.

Assessment - Research Report - 2500 words report - Individual assessment

Purpose: This project will further students' understanding of the role of non-bank financial institutions and how they are responding to the ever changing Australian financial sector.

Topic: Assessment of the Australian Government's Four Pillars Policy in the Banking Industry.

Task Details: There are four big banks in Australia: ANZ, Commonwealth Bank, NAB and Westpac. To ensure competition in the banking industry, the Australian Government has a "Four Pillars Policy" that prevents the four big banks in Australia from merging.

Students will research the Four Pillars Policy and produce a report that:

Discusses the history, the reasons for instituting and implementing the policy, and the arguments for and against it.
A carefully reasoned opinion on whether you agree with the Four Pillars Policy.
Given the outcomes of the 2018 The Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry, what direction do you recommend the Government take with the Four Pillars Policy - maintain, amend or abandon it?

Research Requirements: Students need to support their analysis with reference from text and a minimum of six (6) suitable, current and academically accepted sources -check with your tutor if unsure of your sources. Students seeking Credit or higher grades should support their analysis with increased number of reference sources consistent with the grade they are seeking.

Presentation: Every page should clearly be numbered, and the assignment organised as follows:

(a) A KOI Cover Sheet for an Individual Assignment.

(b) A title page, which indicates Subject title, Subject Code, Trimester number, Assignment title, your full name and KOI student number, word count and Tutor's name.

(d) Table of Contents

(e) Body (main contents - each to be a separate numbered section).

- Introduction

- Research - literature review

- Analysis - this is the major part of your assignment and requires numbered sub-sections

- Recommendations

- Conclusion

(f) References

(g) Appendices

Attachment:- Banking and Finance Assignment File.rar

Reference no: EM132374548

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Reviews

len2374548

9/22/2019 11:24:25 PM

Assessment Type: Research Report – 2500 words report - Individual assessment. Submission: One soft copy (Word .doc or .docx) of the report and one hard copy to be submitted to your Tutor in Week 10 Tutorial session. You must pass the supplementary assessment to pass the subject. The maximum grade you can achieve in a subject based on a supplementary assessment is a PASS grade. If you: are offered a supplementary assessment, but fail it; are offered a supplementary exam, but do not attend; or are offered a supplementary assessment but do not submit by the due date; you will receive a FAIL grade for the subject.

len2374548

9/22/2019 11:24:19 PM

Marking rubric - Advanced insights into and succinct discussion of reasons for instituting and implementing the Four Pillars Policy. Good understanding of relationship between the Four Pillars Policy and the outcomes of the Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry. Wide range of current relevant sources synthesised systematically. Identified and critically discussed and evaluated reasons for instituting and implementing the Four Pillars Policy and relationship between the Four Pillars Policy and the outcomes of the Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry.

len2374548

9/22/2019 11:24:13 PM

Clearly resolves to agree or disagree with the Four Pillars Policy. Excellent recommendations made on maintaining, amending, or abandoning the Four Pillars Policy, based critical evaluation of reasons for instituting and implementing the Four Pillars Policy and relationship with the outcomes of the Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry. Highly professional presentation; satisfies all presentation elements. Correct referencing throughout.

len2374548

9/22/2019 11:24:08 PM

Late Penalties and Extensions - An important part of business life and key to achieving KOI’s graduate outcome of Professional Skills is the ability to manage workloads and meet deadlines. Consequently, any assessment items such as in- class quizzes and assignments missed or submitted after the due date/time will attract a penalty. Students who miss mid-trimester tests and final exams without a valid and accepted reason (see below) may not be granted a deferred exam and will be awarded 0 marks for assessment item. These penalties are designed to encourage students to develop good time management practices, and create equity for all students. Any penalties applied will only be up to the maximum marks available for the specific piece of assessment attracting the penalty.

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