In Module Assessment (Final Report)
Module Title: Banking Theory and Practice
Module Code: 6FNCE001W
Module Status: Option Module
Assessment Weighting: 75%
In Module Assessment: Final Report
Provision Marks and Feedback Date:
Where to Access the Feedback: Module Blackboard Site
Feedback Method: Mixture of Formative and Summative Assessment Feedback. Students receive comments on their ability to link theory into practice in terms of applying banking theories and practical techniques in specific situations.
Assignment Outline:
The assignment is a report requested by the manager of banking policy team at a central bank. As the central bank’s junior analyst, you have been asked to prepare a report on the financial intermediation and financial stability in the domestic banking sector, which will be submitted to the senior management. The aim of the report is to continue monitoring the effectiveness of the current macroprudential policies in the finance and banking sector and any issues observed. You should also, where appropriate, use references to support your analysis.
Required:
1. A cover page is required, containing a title and the total word count. (5 marks)
2. Changes in banking policies may have large impacts on the competition in the banking system. Discuss the main theories put forward to explain whether competition is good or bad for the banking stability. (15 marks)
3. Provide a critical discussion on externality in the context of banking stability and failures. Comment on its effectiveness and rationale of capital adequacy requirement.
(25 marks)
4. The central bank is in the procedure of proposing new tools for the stability and stress tests for those regulated banks, especially the domestically important banks. Critically discuss the concept of ‘too big to fail’ in banking, comment on the implications and briefly discuss the solutions. (25 marks)
5. Provide a critical discussion of relevant academic articles on the issues of adverse selection and moral hazard in banking and solutions to those issues. Cover at least 3 academic articles on the topic. (25 marks)
6. List of references is required. You should provide the details of any the material that was cited in the report. Citation in text and reference list should follow Westminster Harvard Referencing Style (details can be found at: https://www.westminster.ac.uk/current-students/studies/study-skills-and-training/research-skills/referencing-your-work ).
(5 marks)
Format of Final Report:
1. An electronic copy of your assignment should be submitted via the module blackboard site (anonymous marking, do not put your name).
2. You must include module title on the first page (Cover Page) of your report. The report is 2500 words (±10%) excluding the title page, table of contents, appendices and references, with size 12 font and 1.5 line spacing for the main text.
3. List of References should follow the Westminster Harvard Referencing Style.
The assignment must go through ‘Turnitin’ and submitted electronically before 13:00 on Monday 16th May 2022.
The rules on late submission and plagiarism are applied and fully enforced by the school.
Submission of Final Report
Unless explicitly stated otherwise in writing by the module leader, all assessment on this module is submitted via Blackboard only. It will automatically be scanned through a text matching system (designed to check for possible plagiarism).
• DO NOT attach a CA1 form or any other form of cover sheet;
To submit your assignment:
• Log on to Blackboard at http://learning.westminster.ac.uk;
• Go to the relevant module Blackboard site;
• Click on the ‘Submit Final Report’ link in the centre of the module page, as advised by the module teaching team;
• Click on the link for the relevant assignment;
• Follow the instructions.
You will be given details by the module teaching team about how and when you will receive your marks and feedback on your work.
REMEMBER:
It is a requirement that you submit your work in this way. All assignment must be submitted by 13:00 on the due date.
If you submit your assignment late but within 24 hours or one working day of the specified deadline, 10% of the overall marks available for that element of assessment will be deducted, as a penalty for late submission, except for work which is marked in the range 40 – 49%, in which case the mark will be capped at the pass mark (40%).
If you submit your assignment more than 24 hours or more than one working day after the specified deadline you will be given a mark of zero for the work in question.
The University’s mitigating circumstances procedures relating to the non-submission or late submission of assessments apply to all assessments.
