Practice papers personal financial services in a digital age

Co‐operative Bank Financial Advisers Ltd (CBFA) is a wholly‐owned subsidiary of the Co‐operative Bank plc. Established since 1972, it specialises in the provision of independent financial advice to personal and corporate customers across the financial services spectrum. Based in Stockport in the north‐west of the UK, CBFA conducts its business via a nationally‐based team of independent financial advisers (IFA), offering a bespoke service to customers at a mutually agreed time and location—usually bank premises, business premises or in the client's own home. In the late 1990s, CBFA faced a crisis. A number of marketplace challenges threatened the long‐term viability of its business. In this paper, one of the management team members describes how her organisation used its understanding of customer decision‐making—backed by good customer research—to regain its footing in a difficult and competitive marketplace. Copyright © 2003 Henry Stewart Publications.     

The concept of quality in clinical research

Quality in clinical research may be defined as compliance with requirements together with credibility and reliability of the data obtained. Sponsors usually apply Quality Management Systems (QMS) to ensure, control, maintain, and improve quality. These systems encompass several preventive measures, tools, and controls. Standard QMS applied by clinical research sponsors may be based on ISO 9000. An earlier version of the paper was presented at the 6th International Bioethics Conference on the subject of ‘The Responsible Conduct of Basic and Clinical Research’, held in Warsaw, Poland, 3–4 June 2005.     

基于自身短期与社会长远利益两难选择的绿色消费机制

环境恶化及消费对环境的巨大影响,使得顾客进行绿色消费的意义重大而深远.企业希望能够掌握绿色消费的特点和机制,从而能够拉动绿色需求.绿色营销研究多针对企业,而针对顾客的研究甚少.为数不多的绿色消费研究甚少关注顾客在进行绿色消费时在自身短期利益与社会长远利益之间的两难选择,对绿色消费机制的研究也很缺乏.本研究试图从该两难选择入手,使用自我控制、利他行为、自我构建等理论,采用实验方法,从顾客的视角来研究个体因素、文化因素与情境因素是如何通过影响“关注长远利益”、“关注社会利益”,从而影响绿色消费的,并研究这两种机制的边界条件、冲突及自我构建对自身短期利益与社会长远利益两难选择的调和.