Industrial and Business Management

Tourism becomes the perfect vehicle for inclusive growth of society and positively contributes to the development and poverty alleviation. Travel industry has the potential to change lives and way of approach to people. Present study analyses the issues, challenges and perspectives of tourism industry in India. Analytical-cum- descriptive research design is used in present study, in which secondary sources are used to gather information. Study concluded that although tourism industry in India has registered of positive growth since last decade, but there are many lacunae. Tourism industry in India is growing and it has vast potential for generating employment and earning large amount of foreign exchange besides giving a fillip to the country’s overall economic and social development. Eco-tourism needs to be promoted so that tourism in India helps in preserving and sustaining the diversity of the India’s natural and cultural environments. Tourism in India should be developed in such a way that it accommodates and entertains visitors in a way that is minimally intrusive or destructive to the environment. If we look at the way other countries present their tourism statistics and the details included, we have a long way to go, though there has been a reasonable improvement with regard to international tourism data collection.

This paper aims at measuring the quality standing of the banking sector in Eritrea. It focuses on the study of the Eritrean Commercial Banks in order to examine their performance towards quality service and behavioural intentions. The findings from the study reveal mixed evidence in that, although customers’ base their banks’ overall quality assessment on the service quality dimensions identified in this study, they do not consider the service quality dimensions identified to be important in their intention to spread positive word-of-mouth about their bank’s services and they seem to be willing to switch to another bank even with a positive perception of service quality. Thus, there may be considerations other than the quality dimensions identified in this study on which customers base their future purchase which seeks further study. In comparison with similar service quality studies made in other countries, this study has come-up with new dimensions. Hence, the outcome may enrich our understanding of services marketing and the determinant variables in what customer perceive regarding quality service in a developing country setting. Future research would benefit from additional research in this area in other geographical settings to better understand the generalisability of the findings reported.

Here we find out the problems and possible solutions with China’s P2P lending regulation on the basis of above chapters’ analysis and conclusions. The main problems and corresponding solutions are as follows: •China’s current regulation pattern of institutional regulation is not effective, creating legal blankness and blurs. China is supposed to implement the functional regulation system as an alternative.•It is reasonless to assign local governments to regulate P2P lending within respective jurisdictions, as P2P lending has the nature of revenue localization but risk nationalization. Banking regulatory bureaus that are vertically managed by the central government are more suitable to become local regulators for P2P lending.•China’s P2P lending industry association still has a great distance to become a real industry self-regulation organization like P2PFA in the UK, since that it has a too low coverage rate. Eligible platforms should be required to join in the industry association to improve the association’s management effectiveness.•Establishing a new P2P lending database is a waste of current resources. The PBC credit reference center is a relatively well-developed credit review system. If P2P platforms are permitted to access to the PBC credit reference system, there is no need to invest more financial and material resources in founding a new database.•Regulation on securitization in P2P lending industry is ignored by the regulators. P2P lending securitization is an inevitable trend, which needs scientific guidance and standardization. The problems of risk responsibility subject, information disclosure, and excessive securitization should be paid more attention when designing related mechanisms.•Rules about risk reserve mechanism are omitted by the regulators. Real risk reserve funds can protect investors to some extent and will not result in liquidity risks for platforms. A qualified risk reserve mechanism should be independent, with limited protection, and full information disclosure.

A judgmental sampling method is used to analyze the business models existing in China’s P2P lending market. To achieve this goal, this research selects the top 100 platforms based on outstanding loan amount to find out their business processes. After observing these platforms’ official websites, this research divides all business models into three categories with the asset side, platform side, and liability side. At the asset side, 78% of sample platforms implement business of guaranteed loans, 59% offer risk reserve service on credit loans, 14% provide pure credit loans, and 6% supply insurance loans. There are also 13% of sample platforms refer to the transfer of creditor rights from other financial institutions. For the platform side, P2P lending businesses are presented by the time order of before lending, during lending, and after lending. And at the liability side, there are individual or institutional investors. In the last, this research uses the qualitative method to identify risks come along with corresponding business models. These risks are mainly caused by P2P lending stakeholders’ willingness or abilities. Among all the risks, platform side risks are most prominent.

Peer-to-peer (P2P) lending is a new mode of alternative finance, allowing borrowers and lenders to transact through Internet platform without traditional intermediaries. This review focus on reviewing the P2P lending’s business models, risks and regulation.

The study investigated the role of Emotional Intelligence on employees’ work Engagement in banking industry. A total 804 bank employees took part in the study, in which 364 (45.3%) were males while 440 (54.7%) were females, with a mean age of 33.38 yrs (SD=7.98yrs). Questionnaire format was employed for data collection, which was made into a number of sections and into several copies for data collection. Both the Descriptive and Inferential statistics were adopted for data analysis. Specifically, the Statistical Packages for Social Sciences (SPSS) version 17.0 was utilized for data analysis. The results revealed that bank employees who were high on emotional intelligence reported more work engagement than bank employees who are low on emotional intelligence [t (802) =3.20, P