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Free articles uit het werkdomein van het tijdschrift Bank- en Financiewezen – Revue bancaire et financière. De artikels worden aangeboden in de oorspronkelijke taal.

  • Dinsdag 11/9/2018
    Frank Lierman

    Report on the presentation given by mister Philipp Hartmann, Senior Manager and Policy Adviser of the European Central Bank, to the Belgian Financial Forum in Brussels on the 14th of May 2018. Report written by mister Frank Lierman, Chairman Editorial Board of the Revue bancaire et financière/Bank- en Financiewezen.

  • Dinsdag 11/9/2018
    Jan Vergrote

    Part of the financial news in recent months has been dominated by articles about ‘cryptocurrencies’. Sky-high gains, followed by significant price falls, both for the currencies and the companies involved, have been everyday occurrences. Little wonder, then, that comparisons have been made with the dotcom bubble: high valuations for technology that has not (yet) proved itself. In developed countries, cryptocurrencies are used mainly as a speculative asset. Believers see the long-term value of these cryptocurrencies mainly based on the underlying blockchain technology, which is expected to have many other applications in combination with new technology. 

    By contrast, in weak and underdeveloped states, there is mistrust with regard to cryptocurrencies, often because of their anonymity that facilitates criminal dealings. So, whereas believers see cryptocurrencies as a far-reaching innovation, others view it as a way to create ‘funny money’. And while some invest in these currencies based on the promise of a future market, there may be many dangers lurking around the corner, such as Internet fraud, phishing scams and hacking of the underlying software. Just where these virtual currencies will end up remains an unanswered question today. But allow us to provide you with an initial guide.

  • Dinsdag 11/9/2018
    Dirk Hermans

    Based on the involvement in 15+ blockchain cases, what are the challenges of a Blockchain project? It is mostly not about the hard coding work of a typical Blockchain technology, that is not yet mature, both improving very fast. It is the other area’s that make or break a Blockchain initiative. It is about the vision and business case, the collaboration aspect, the regulatory environment, standards and the integration aspects in legacy systems.

  • Dinsdag 11/9/2018
    Dave Remue

    Blockchain technology looks promising to fundamentally improve the ‘know your customer’ (KYC) process with financial institutions and at the same time to empower corporates to manage and control their digital identity.  A distributed shared ledger allows participating banks and other organisations, such as government institutions, to share updates on corporate profiles instantly within the parameters set by the corporate itself, and this in a privacy preserving manner and with full audit traceability.  B-Hive, a fintech innovation collaborative platform, started exploring with its partners last year the creation of a blockchain platform to simplify identity management for corporates and KYC which could significantly reduce the onboarding time for business customers and reduce KYC costs significantly.  Following iterative development of a proof of concept based on Hyperledger, we are now conducting extensive pilot testing with Isabel, KBC, Belfius, ING and BNP Paribas Fortis.

  • Dinsdag 11/9/2018
    Rhodri Preece

    On 12th April 2018, CFA Institute and CFA Society Belgium hosted an evening discussion at the National Bank of Belgium with Vítor Constâncio, former Vice President of the European Central Bank, and Sir Paul Tucker, Chair of the Systemic Risk Council and former Deputy Governor of the Bank of England. The theme for the evening was the evolving state of systemic risk regulation ten years after the global financial crisis. This article reviews the discussion and evaluates the balance of regulation with regard to its ability to mitigate future shocks to the financial system. 

  • Dinsdag 11/9/2018
    Cristophe Cherry

    Over the last years credit risks issues have become more and more important in the priorities of CEO's. The risk of company failure due to buyer's payment default is one of the highest. Businesses go bankrupt more often due to a lack of cash than due to a lack of equity. Therefore, managing properly the main (only) money flow of any trading company - the trade receivables - is a key-success factor for long term profitable growth. Based on concrete examples and fruitful experience in credit and cash management this paper will elaborate on the best way to deal with credit risk. The digital future will also be explored through its main visible demonstration: the Fintechs.

  • Woensdag 27/6/2018
    Van Eetvelt Karel

    Interview Karel Van Eetvelt, CEO van Febelfin. Interview by Frank Lierman, chairman of the Editorial Board of Bank- en Financiewezen-Revue bancaire et financière.

  • Woensdag 27/6/2018
    De Gucht Karel

    Report of the speech given by Mr. Karel De Gucht, Belgian Minister of State and former European Commissioner for Trade, at the Belgian Financial Forum in Brussels, December 21, 2017, written by Frank Lierman, chairman of the Editorial Board of Bank- en Financiewezen-Revue bancaire et financière.

  • Woensdag 27/6/2018
    Jean-Paul Abraham

    Op 9 mei 2018 overleed Jean-Paul Abraham, die gedurende vele jaren de onbaatzuchtige bezieler was van het Studiecentrum voor het Financiewezen, dat in 1992 werd omgevormd tot Belgisch Financieel Forum. Herdruk van een laudatio gepubliceerd in een Liber Amicorum dat in Bank- en Financiewezen nr. 8/1995 verscheen.

  • Woensdag 27/6/2018
    Vander Vennet Rudi

    The objective of this contribution is to describe the regulatory and economic environment in which banks now operate, especially the new Basel III rules and the exceptional monetary conditions, to identify which lessons banks learned (and which not) after the financial crisis, and what banks will have to do in order to restore sustainable profitability.

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