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Gestoria R. Consult.

Globally & Digitally Experienced Business

Welcome to our publication page.

Here we share papers, articles and conferences of business interest.

Click to Read this online paper for free: "The Systemic Risk Buffer for UK Banks: A Response to the Bank of England's Consultation Paper". By Professor Sir John Vickers'


The article responds to the Bank of England’s (BoE) consultation paper of January 2016 on the systemic risk buffer for UK ring-fenced banks. It argues that, contrary to its proposed policy, the BoE should apply the highest permitted buffer rate—3 per cent of risk-weighted assets of common equity—to all large ring-fenced banks. The BoE’s reasons for lowering its estimate of optimal equity capital requirements are assessed critically.


Integration and Interconnectedness in Global Finance

Journal of Financial Regulation 2016 Annual Conference

Jointly organized with

Asian Institute of International Financial Law, University of Hong Kong

Centre for Banking and Finance Law, National University of Singapore

Centre for Cross-Border Commercial Law in Asia, Singapore Management University

Faculty of Law, Chinese University of Hong Kong

Institute of Comparative Law, University of Paris 2 Pantheon Assa

School of Law, City University of Hong Kong


RGC Theme-based Research Scheme Project:

“Enhancing Hong Kong’s Future as a Leading International Financial Centre”

24-25 June 2016

Faculty of Law, The University of Hong Kong

Click for more info 


We forgive to make ourselves feel well, not just the people who hurt us and made us suffer.

However, it has to be more than a superficial forgiveness.

When you don’t forgive completely and wholeheartedly, you continue to build resentment and desire for revenge deep in your heart. This results into being constantly depressed and always in a bad mood, feeling bitterness and living a resentful life.

Learning to forgive is not easy, but it’s worth the effort. It is important to remember that forgiveness is not an action that can take place in one time or just in one day.

It is a process that you need to work on for a considerable amount of time. It depends on you, the harm that has been caused, the wrongdoer and the time you decide to dedicate to the action of forgiveness.

You first need to ask yourself if you really want to forgive and leave the matter in the past. You can do it by listing questions and then answering them in writing. You keep the answers and reread them every time you need. The moment you feel you're convinced you want to forgive, and then move on.

It doesn’t matter whether we want to forgive others or ourselves. It is always important to start small by remembering that forgiveness is a decision, therefore, the first thing to do is express loudly and/or in writing, your commitment to forgive.

Secondly, recognize that you have been hurt, the person who have offended you and that you have the right to be treated with respect. You also have to accept the feeling of pain, anger and any other that you might have. Then you need to recognize and let out all the negative emotions about the person and the situation you want to work on (to forgive).

During the time of expressing your negative emotions, do not do it in front of the person with whom you are angry, because you may end up arguing or fighting. In fact, it is important to do it when you're alone in a place where you will not be interrupted and in time when you do not have to meet with anyone else.

Additionally, it is important you work to ease the recognition and externalization of your emotions by imagining that the wrongdoer or the event (whatever that made you angry) in front of you and yell at them (loudly), all you can or want. Once you think you've expressed all your courage, you might find that other emotions are hidden behind the anger, Humiliation, disappointment, sadness, fear, feeling of rejection, pain, not being loved, etc. You need to look for them, accept them and express them.

It is important to see the wrongdoer or harm from another point of view, as a whole. If it is a person, remember that they are more than their behavior.

Even when we do not get what we want or need in life, it hurts and angers us, although others may not know. In that case it is also our responsibility to forgive our involvement in what happened.

The next step is to imagine that you are in front of the wrongdoer or harm. You close your eyes and imagine a veil in front of you.

If you can see that person as a vulnerable being, with certain weaknesses and needs, feel their pain, help give up the desire for revenge and hatred. You feel sorry for them and it feels like you are beginning to LOVE them.

Keep your eyes closed and imagine a black cloud over him and say, I forgive you, and as you say those words imagine a low white light coming from heaven and surrounds you, causing a feeling of peace and tranquility, while the other black cloud vanishes.

Breathe three times slowly and open your eyes.

To carry out this process, once is never enough.

Only you can decide how often and how long you have to work with each person and yourself to achieve true forgiveness each time. But what is guaranteed is that once you forgive wholeheartedly, your life will change. You will attract happiness, health and wealth.

Article by:

Rwubahuka Jean Claude

Trainer & Business Consultant

E. [email protected]

“When the Bough Breaks” Making Sense of the Greek Economic ‘Waterloo’

A paper by Constantinos Alexiou

Abstract | Full Text

The purpose of the paper is to firstly provide a conceptual perspective on the existing European economic environment and secondly, to delineate the disastrous economic policies responsible for derailing the entire Greek economic establishment. The study expounds upon the very framework that EU policy has been conducted by scrutinizing the way some main economic indicators have fluctuated over the years. The main focus of the economic policies adopted by the EU countries should be on the strengthening of the monetary union and the euro in terms of strengthening the productive, technological, qualitative and redistributive efficiency and not in terms of weakening unions, dislocating labor market institutions, degrading and transforming the social state to “state charity”. The distorted model of development that has been religiously adhered to for many years, has caused production as well as primary surpluses to shrink dramatically, which in conjunction with inappropriate policy alternatives contributed to a prolonged recession that we are currently witnessing. The fiscal restructuring that is currently underway in Greece is bound to burden further the already crippled economic activity in so far as the new tax reforms constrain dramatically the purchasing power of its citizens. The latter in conjunction with the deregulation of the labour markets will reduce real wages markedly, causing in affect further decline in private consumption. The resulting decrease in aggregate demand will set off a self-feeding mechanism of declining production and increasing unemployment.

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