Essays on Risk Management and Capital Structure and Lending at Banks Assignment

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The paper 'Risk Management and Capital Structure and Lending at Banks' is a wonderful example of a Management Assignment. There is an increase in new markets as the world continues to take a bold step to make it a global village. Many of the companies are trying to win over the loyalty of the consumers in the new markets. New products are increasingly being produced that are more efficient in terms of the performance and the type of services that they produce. Some areas in the World are never reached by some of the services that are offered by large companies, yet such areas stand as potential markets for the products of such companies.

Most companies have their operations in perfectly competitive markets and thus their products are the same only that they are differentiated. The automobile industry for example is one that faces a lot of competition. The process of designing and developing outstanding products for the automobile industry requires that major factors be considered. Decisions are required to be made on the processes to be implemented and proper planning to be affected.

The company developing the new product design should understand the interrelationship that exists between the designs and the processes. Product design involves a number of stages namely functional design, process design, and production design. The functional design involves the determination of the form that the product will take in terms of the materials to be used, the size and shape of the product. The production design focuses on the production line and the plant layout for the project. Finally, the process design, being the point of the discussion focuses on a number of factors which include the processing technology required, the tooling, the nature of the market place, the nature of the product, and the nature of the business. While there are many types of process designs, the automobile industry has its priorities on three major types namely the product focuses designs, process-focused designs, and the technology focus.

The automobile uses the discrete unit for the product-focused that is mainly referred to as the production line. In this type of process design, the conversion of the raw materials to become a finished product is done based on the sequences of operations required.

Products in this system move through different stages and in each stage, a new component is introduced as the product is assembled to become a finished product as per the demands of the public.


J. B., S. F., A. M. & A. N., 2005. ARt & D: Research and Development in Art. Rotterdam: V2_ publishing.

Sinan, C. & Philip, E. S., 2004. Risk management, capital structure and Lending at banks. Journal of Banking and finance, pp. 19-43.

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