that credit rating agencies (CRAs) contributed to the current financial crisis. It all began in the US in 2007 with problems in the subprime mortgage market and has since extended to global dimensions. The agencies underestimated the credit risk associated with securitization which sparked heated debates around the world. Structured finance instruments are more complex than most of the traditional bonds and securities that CRAs have been rating for more than 100 years. CRAs have been criticized for not
Premium Credit rating Bond Debt
Argument for the use of consensual relationship agreements (CRAs) in my current (or future) workplace Consensual Relationship Agreement (CRA) is a contract that both employees involved a romantic relationship sign to acknowledge that their relationship is voluntary and that they will abide by the policies of the company regarding anti-harassment and anti-discrimination. (Hellriegel & Slocum ‚2011). Office romance should be addressed in a more constructive and professional way just like behaviors
Premium Ethics Interpersonal relationship Romance
Assignment #1 - Consensual Relationship Agreement Case Study Professor Dr. Maggie Sizer Leadership and Organizational Behavior – BUS 520 Strayer University October 23‚ 2012 Abstract As companies begin to acknowledge the existence of work place romances‚ the use of consensual relationship agreements (CRAs) has become an area of discussion. While many of today’s organizations prohibit the romantic involvement of its employees with one another‚ there are other companies that have adopted the
Premium Employment Ethics
1. Critics of CRAs assert that they are too intrusive‚ ineffective‚ and unnecessary and that they can cause as many problems as they solve. Identify the specific reasons and examples that might justify these criticisms. They are intrusive because informing an employer of a relationship is getting into the personal life of an employee. CRAs can be ineffective because even after signing an employee could still break it without the company noticing‚ and when it gets to that point they become unnecessary
Premium Management Customer service Customer relationship management
from wrong‚ and deciding on what to eat with a group of people. 3. Describe traditional and consensual argument. Give two examples of each. A traditional argument is a public debate among candidates for public office or among others individuals who want to convince their audiences to side with them and accept their point of view. A example of this would be at a city hall and courtroom. Consensual argument emphasizes agreement. Example of this is in a class room and academic inquiry. 4. What
Premium Argument Logic
Babbie‚ Gravetter and Forzano applied 2 Conclusion 2 References 2 Introduction The burst of the United States housing market bubble initiated the worldwide financial crisis. Amongst all housing regulations‚ the community reinvestment act (CRA) may be the most significant. The act passed in 1977 to improve low-income households’ housing opportunities. As such‚ the act raised the incentives for banks to provide mortgages to low-income households (FFIEC‚ n.d.). Over time‚ several political
Premium Subprime mortgage crisis United States housing bubble Subprime lending
BUS 520 Consensual Relationship Agreements Dr. David A. Holness Introduction: This paper will analyze the concerns of workplace relationships and romance. In order for any organization to work effectively there must be guidelines‚ and policy in place. Within my current work environment at Williams Paper Company‚ we have established a consensual relationship agreement. These consensual relationship policies address the concerns of any sexual‚ unwanted‚ or harassments towards any employee.
Premium Employment Psychology Ethics
Consensual Relationship Agreement Case Study Tracy Duckett Dr. Ronnie Jones Bus. 520 Leadership and Organizational Behavior Fall Quarter 2012 Abstract It is not uncommon that an office romance will develop between co-workers; based on the fact that majority of their lifetime is spent at their place of employment. Employers are aware of this possibility and have workplace romance policies to protect themselves and the parties in the relationship. Consensual Relationship Agreements (CRAs)
Premium Employment Ethics Romance
Abstract Consensual Relationship Agreements at the work place rules and regulations should be strictly enforced in the offices. Consensual Relationship Agreement refers to the romance relationships between employees at the work place. Great deals of individuals have opinions about consensual relationships agreements. My opinion is that the agreement should be signed by every employee and this procedure would be more effective for the organizational and employee. This study is conducted based on
Premium Employment
six to eight (6-8) page paper in which you: • Argue for the use of Consensual Relationship Agreements (CRA’s) in your current (or future) workplace • Create a counter argument against the use of CRA’s in your current (or future) workplace. • Discuss the ethical principles involved in the use of CRA’s • Create at least one (1) other option besides CRA’s that would address workplace romances Argue for the use of Consensual Relationship Agreements (CRA’s) in your current (or future) workplace
Premium Paper Argument map Argument