The European System of Financial Supervision (ESFS) is the framework for financial supervision in the European Union in operation since 2011. The system consists of the European Supervisory Authorities, the European Systemic Risk Board, the Joint Committee of the European Supervisory Authorities, and the national supervisory authorities of EU member states. It was proposed by the European Commission in 2009 in response to the financial crisis of 2007–08.
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A 529 plan is a tax-advantaged investment vehicle in the United States designed to encourage saving for the future higher education expenses of a designated beneficiary.
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Eli Global is a multinational organization located in Durham, NEW YORK, USA and founded in 1991. The business provides information and financial services. It has the marketplace research company BCC Research and online education company AudioSolutionz (A Department of ProEdTech).
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A financial system (within the scope of finance) is a system that allows the exchange of funds between lenders, investors, and borrowers. Financial systems operate at national, global, and firm-specific levels. They consist of complex, closely related services, markets, and institutions intended to provide an efficient and regular linkage between investors and depositors.
Money, credit, and finance are used as media of exchange in financial systems. They serve as a medium of known value for which goods and services can be exchanged as an alternative to bartering. A modern financial system may include banks (operated by the government or private sector), financial markets, financial instruments, and financial services. Financial systems allow funds to be allocated, invested, or moved between economic sectors. They enable individuals and companies to share the associated risks.
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The sugar industry subsumes the production, processing and marketing of sugars (mostly saccharose and fructose). Globally, most sugar is extracted from sugar cane (~80 % predominantly in the tropics) and sugar beet (~ 20%, mostly in temperate climate like in the U.S. or Europe).
Sugar is an essential basis for soft drinks/sweetened beverages, convenience foods, fast food, candy / sweets, confectionery, baking products and the respective industries.
A 2013 report from BCC Research estimates the global market for sugar and sweeteners at about $77.5 billion in 2012 with sugar comprising an almost 85% share. The market is thought to increase at a compound annual growth rate of 4.6%.
Around 460 million tonnes of sugar is produced every year. The largest producers are Brazil (72%), India (15%) and the European Union (10%). Altogether, there are more than 123 sugar-producing countries, but only 30% of the produce is traded on the international market. In 2011 global sugar export trade was worth $47bn with $33.5bn of sugar exports are from developing countries and $12.2bn from developed countries.
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The main elements of Japan’s financial system are much the same as those of other major industrialized nations: a commercial banking system, which accepts deposits, extends loans to businesses, and deals in foreign exchange; specialized government-owned financial institutions, which fund various sectors of the domestic economy; securities companies, which provide brokerage services, underwrite corporate and government securities, and deal in securities markets; capital markets, which offer the means to finance public and private debt and to sell residual corporate ownership; and money markets, which offer banks a source of liquidity and provide the Bank of Japan with a tool to implement monetary policy.
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Bergen Community College is an accredited, co-educational, two-year, public community college located in Bergen County, New Jersey. Bergen Community College was founded in 1965 to provide accessible, affordable, and comprehensive community education services for the Bergen County region. Over the past 50 years, the college has expanded its main campus to include an expansive library, theater, student center, and most recently a new Health Profession Integrated Teaching Center with state-of-the-art laboratory equipment. In 1970, the Ciarco Learning Center in Hackensack, NJ was founded to provide non-credit education and counseling services including GED and adult ESL courses. Most recently, in an attempt to expand its offerings to the southern portion of Bergen County, a new satellite site, Bergen Community College at the Meadowlands, began offering courses at a newly-purchased facility in Lyndhurst, NJ. As of Fall 2016, Bergen Community College enrolled 14,500 students in degree programs, as well as over 8,000 students in continuing and adult education programs.
Bergen Community College has been accredited by the Middle States Association of Colleges and Schools since 1972, and was most recently reaccredited in 2016. Individual programs are accredited by the Commission on Accreditation of Allied Health Education Programs, the National League for Nursing, the American Dental Association, the Joint Review Committee on Education in Radiologic Technology, The National Accrediting Agency for Clinical Laboratory Services, and the American Physical Therapy Association. The Paralegal Studies Program and the Legal Nurse Consultant Program are approved by the American Bar Association.
The interim president of Bergen Community College is Dr. Michael Redmond.
During the 2017-2018 academic year, Bergen Community College is celebrating its 50th anniversary.
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Structured Financial Messaging System (SFMS) is a secure messaging standard developed to serve as a platform for intra-bank and inter-bank applications. It is an Indian standard similar to SWIFT (Society for World-wide Interbank Financial Telecommunications) which is the international messaging system used for financial messaging globally.
SFMS can be used for secure communication within the bank and between banks. The SFMS was launched on December 14, 2001 at IDRBT. It allows the definition of message structures, message formats, and authorization of the same for usage by the financial community. SFMS has a number of features and it is a modularized and web enabled software, with a flexible architecture facilitating centralized or distributed deployment. The access control is through Smart Card based user access and messages are secured by means of standard encryption and authentication services conforming to ISO standards.
The intra-bank part of SFMS is used by banks to take full advantage of the secure messaging facility it provides. The inter-bank messaging part is used by applications like electronic funds transfer (EFT), real time gross settlement systems (RTGS), delivery versus payments (DVP), centralized funds management systems (CFMS) and others. The SFMS provides application program interfaces (APIs), which can be used to integrate existing and future applications with the SFMS. Several banks have integrated it with their core or centralized banking software.
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Bitcoin Cash (BCH/BCC) is a difficult fork of the cryptocurrency bitcoin. The fork happened on August 1, 2017.
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Comparison of payment systems (also known as comparison of payment processing services, comparison of payment processors, or comparison of merchant services) is a list displaying comparative information and fee rates on various payment systems (also payment processing services, payment processor, or merchant services). Information such as these are compared and shown: seller’s/merchant’s fees, buyer’s fees, banking transfer fees, clearing-house fees, interchange fees, chargeback/return fees, currency conversion fees, monthly fees, usage, verification time, deposit time, technology support, customer-service quality, etc.
There are too many payment systems and services providers (see List of online payment service providers) to list in detail or in brief all on the same page. This article will focus mainly on the payment/merchant systems and services that are the most popular among majority of sellers and buyers, have comparatively lowest fee rate or free options, and which have comparatively most features for sellers/merchants and buyers, lowest cost or free payment receiving (card readers, Payment terminal (PTà, Point of sale (POS) & printing equipments, and which have good or better track record, (good or better) customer service quality, etc according to BBB and similar credible rating services.
Displayed fees and rates can change anytime. Displayed fee-data and rate info may not be actual fee or rate in use currently right now. Fee-rates also vary, based on volumes/quantities of sale, for different seller/business, i.e. sellers/merchants can negotiate with payment-system or merchant-service provider to obtain a comparatively lower & better rate, when their selling volume is comparatively very high. When this page is edited by Wikipedia editors, then they will usually add at-that-moment minimum-fee or flat-rate info, for the section which they are editing. Visit payment-system’s referenced linked webpage (shown at bottom-side), for payment service provider’s current information.
