To reject a mortgage application in the customer’s genuine interest No one wants to take out a mortgage loan. What people want is housing, not a mortgage. Since the reason we need housing is that we need a place to liv… 2023-11-13 Noriyuki Morimoto Asset Classification and Delegation of Authority Asset management is a chain of decisions with a hierarchical structure covering the process from asset allocation to individual issue selection. Decis… 2023-10-30 Noriyuki Morimoto Risk and Volatility All investments are made in something that has value to invest in; investing is to invest in the value of the target of investment. The price of an in… 2023-10-16 Noriyuki Morimoto Global and International A sphere, or globe, has no center on its surface. Alternatively, any point on the surface of a sphere can be the center. The earth is a sphere. As suc… 2023-10-02 Noriyuki Morimoto Growth strategy through creation of non-economic values In many areas, what stimulates consumption is not the technological sophistication of a product's features, but something else entirely. Whatever it i… 2023-09-19 Noriyuki Morimoto The Paradox of Growth Strategy through Increased Regulation Even if science and technology have the potential for unlimited progress, in some areas, the cost of adding a step of progress will gradually increase… 2023-09-04 Noriyuki Morimoto Whatever happened to the window-side tribe One term that should be included in the Showa Dictionary of Dead Words is "window-side tribe.” This is a Japanese term for middle-aged or senior corpo… 2023-08-21 Noriyuki Morimoto To foster a risk culture The current state of the management of financial institutions is that they are simply taking the risks allowed by regulations, to the extent allowed b… 2023-08-07 Noriyuki Morimoto No growth without competition, no growth even with competition In order for the economy to grow, businesses must take creative and ingenious actions in an environment of free and fair competition. Without competit… 2023-07-24 Noriyuki Morimoto Confusion between risk-taking and risk management in finance In order to conduct any kind of business, it is impossible to avoid the risks inherent in that business. Such risks are intrinsic to the business, and… 2023-07-10 Noriyuki Morimoto «12345…24»