Page 257 - GLOBAL TOURISM CHALLENGES IN 21st CENTURY
P. 257
PXFK GHSHQGV RQ WKH OHJDO IUDPH RI WKH FRXQWU\ 7KH DXWKRUV FRQFOXGHG WKDW LQ WKRVH
FRXQWULHV ZKHUH WKH OHJDO IUDPH LV ZHOO IXQFWLRQLQJ WKH EDQNV DUH PRUH OLNHO\ WR OHQG
HVSHFLDOO\ WR 60(V DV ZHOO DV LQ WKH KRXVLQJ ORDQV ,Q WKH FRQWUDU\ LQ WKH QRQ ±
UHJXODWHG OHJDO IUDPH FRXQWULHV WKH EDQNV DUH PRUH OLNHO\ WR OHQG WR ODUJH FRPSDQLHV
DQG VWDWH LQVWLWXWLRQV ,Q ERWK FDVHV WKH EDQNV DUH PRUH OLNHO\ WR DFFHSW WKH FROODWHUDOV
WKDW DUH WKH EHVW OHJDOO\ EDVHG WKH\ DUH HYHQ ZLOOLQJ WR ODQG WR FRPSDQLHV ZLWK
DV\PPHWULF LQIRUPDWLRQ RU ZLWK LQVXIILFLHQW LQIRUPDWLRQ RQO\ LI WKH FROODWHUDOV DUH ZHOO
OHJDOO\ JURXQGHG ,Q WKLV FDVH WKH\ DSSUHFLDWH OHQGLQJ WR ODUJH FRPSDQLHV ZLWK JRRG
SURMHFWV RU JRYHUQPHQWDO LQVWLWXWLRQ ZKLFK FRXOG SURYLGH VWDWH JXDUDQWLHV
,Q WKH SDSHU 'MDQNRY HW DO WKH DXWKRUV DQDO\]HG WKH FRQQHFWLRQ EHWZHHQ
WKH OHQGLQJ DQG H[LVWHQFH RI VWDWH DQG SULYDWH FUHGLW UHJLVWHUV 7KH\ DQDO\]HG
FRXQWULHV DQG FRQFOXGHG WKDW LQ WKH GHYHORSHG FRXQWULHV ELJJHU LQIOXHQFH KDYH WKH
FUHGLWRUV¶ ULJKWV LQVWHDG RI H[LVWHQFH RI FUHGLW UHJLVWHUV ZKLOH LQ WKH QRQ GHYHORSHG
FRXQWULHV JUHDWHU LQIOXHQFH KDYH WKH H[LVWHQFH RI FUHGLW UHJLVWHUV LQVWHDG RI FUHGLWRUV
ULJKWV ,W LV DOVR FRQFOXGHG WKDW LQ WKH FRXQWULHV RI WKH FRPPRQ ODZ FUHGLWRUV ULJKWV
LQIOXHQFHV WKH OHQGLQJ PRUH WKDQ LQ WKH FRXQWULHV RI WKH )UHQFK ODZ ZKHUH WKH
H[LVWHQFH RI FUHGLW UHJLVWHUV KDV ELJJHU LQIOXHQFH RQ WKH EDQN¶V OHQGLQJ WKDQ WKH
FUHGLWRUV¶ ULJKWV )RU WKLV SDSHU LW VKRXOG EH KLJKOLJKWHG WKDW LW ZDV ZULWWHQ SULRU WR WKH
ZRUOG FULVLV ZKLFK FULVHV SURYHG WKDW QRQ H[LVWHQFH RI FUHGLWRUV¶ LQIRUPDWLRQ
HVSHFLDOO\ WKRVH IURP WKH FUHGLW UHJLVWHUV OHG WR WKH FULVHV DQG LQFUHDVH RI WKH QRQ
SHUIRUPLQJ ORDQV
7KH DXWKRUV LQ %HUJHU HW DO FRQFOXGHG WKDW LI WKH EDQNV KDV PRUH UHOHYDQW
LQIRUPDWLRQ IRU WKH FOLHQWV SULRU WR WKH OHQGLQJ RU LQ WKH SURFHVV RI DSSURYDO WKH\
ZRXOG UHTXLUH OHVV FROODWHUDOV ,I WKH LQIRUPDWLRQ JDS LV VPDOO WKDQ LW ZLOO GHFUHDVH WKH
QHHG IRU FROODWHUDO
1LVKDQLDQ DQG :DOODFH DPRQJ RWKHU FRQFOXVLRQV DOVR FRQFOXGHG WKDW WKH
LQIRUPDWLRQ IRU WKH FROODWHUDO DQG IRU WKH FOLHQW LV YHU\ LPSRUWDQW SULRU WR OHQGLQJ DV
ZHOO DV LQ WKH SURFHVV RI UHSD\PHQW RI WKH ORDQ 1LVKDQLDQ DQG :DOODFH 7KH\
DOVR LQGLFDWHG WKDW UHOHYDQW FODXVHV UHJDUGLQJ FOLHQW LQIRUPDWLRQ DQG FROODWHUDO VKRXOG
EH LPSOHPHQWHG LQ WKH ORDQ DJUHHPHQWV ZKLFK DUH DOVR YHU\ LPSRUWDQW LQ WKH SKDVH RI
FROOHFWLRQ RI FODLPV
$WNLQV HW DO DUH UHIHUULQJ WR WKH %DVHO ,,, UHJXODWLRQ DQG DV DIWHU FULVLV
PHDVXUHV LV RYHUO\ VHFXUHG ORDQV ZLWK PDQ\ DQG ELJ FROODWHUDOV 7KH\ VWUHVV RXW WKDW
RYHUO\ UHJXODWHG FROODWHUDOV FRXOG OHDG WR RWKHU H[WUHPH ± ODFN RI ILQDQFLQJ LQ WKH
HFRQRP\ DQG WKDW FRXOG OHDG WR QHZ UHFHVVLRQ DQG FULVLV
$JHQF\ IRU &DGDVWUH RI ,PPRYHDEOH 3URSHUW\ &DGDVWUH
7KH EDQNV KDV JUHDW QHHG IRU WKH VHUYLFHV RI &DGDVWUH LQ WKH SURFHVV RI HVWDEOLVKLQJ RI
FROODWHUDOV DV ZHOO DV LQ WKH SURFHHGLQJV IRU FROOHFWLRQ RI FODLPV DQG PDQDJHPHQW RI
WKH FROODWHUDOV
$FFRUGLQJ WR WKH /DZ RQ &DGDVWUH WKH &DGDVWUH LVVXHV WKH IROORZLQJ GRFXPHQWV
SURSHUW\ OLVW SUH LVVXH OLVW IRU WKH SURSHUW\ XQGHU FRQVWUXFWLRQ FRS\ RI FDGDVWUH SODQ
KLVWRULFDO UHYLHZ RI WKH PDGH UHFRUGLQJV FRQILUPDWLRQV IRU WKH RZQHUV FRS\ RI
JHRGHWLF HODERUDWH OHJDO EDVLV IRU FHUWDLQ UHFRUGLQJV FRQILUPDWLRQV IRU PDGH RU
UHMHFWHG UHFRUGLQJV HWF WKH EDQNV KDV HYHU\GD\ QHHG IRU WKLV GRFXPHQWV LQ RUGHU WR
FKHFN WKH SURSHUW\ WKDW VKRXOG EH PRUWJDJHG OHJDO VWDWXV RWKHU UHFRUGLQJV ULJKWV HWF
,Q WKH SURFHHGLQJV IRU WKH FROOHFWLRQ RI FODLPV IRU SURSHUW\ WUDFNLQJ DQG FKHFNLQJ
ϮϱϬ

