Unsupervised Raw Waveform Representation Learning for ASR
Purvi Agrawal, Sriram Ganapathy · 2019
The study aims to investigate the causes, external manifestations and impacts ofderisking phenomenon, increasingly rendered visible in the last years on international financial markets, under the circumstances of the post-crisis global economic developments.The paper reveals that this phenomenon is stilllittle discussed and understood by academics and institutional organizations, consequently, being ignored any theoretical foundation or arguments for the possible guidance, between one or other direction, of policies, norms and regulatory practices in order to monitor and addresstheslippages with adverse effects.In the paper,the stage of actual knowledge of this phenomenon, as concerns the differentforms in which comes out, the main causes and factors of influence, the adverse impact observed and possible counteracting measures is presented.The analysis of the extent to which Romania is affected by de-risking, morevisibleby reducting thenumber of clients and financial transactions, halving the nonperforming loans of the banking system, having also an important social dimension, in the light of the low level of financial inclusion.The paper presents some reference pointsfor decoding this phenomenon, proposing new directions for more in-depth scientific researches,focusing on the identification of specific solutions based on customized analysis, including for Romania"s case,considering the trade-off options, such as stability versus prudentiality in risk taking and risk management, profitability versus social responsibility under uncertainty conditions, banking system interestsversus interests of regulatory and supervisory institutions, monetary policies versus government policy and strategies.