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Submitted by Dr. Mohamed Taher Abdelrazik Hamada, Ph.D on

Pension funds and insurance companies have longer term liabilities than banks which that make them
preferable in some cases than banks which have the status of short term liabilities . Banks are faser in
handling with investment than pension funds and insurance companies in terms of sharing in infrastructure projects , but they are not tolerante in terms of their telations with their customers , This means that the volume of risk in banks deals is more than the volume of risk in pension funds and insurance companies and this is the cause that makes the banks less tolerante in dealing with their customers , but banks are easier for investment in EMDES because they have the kind of flexibility that may not be found in the restrict pension funds and insurance companies and as we all know this flexibility is recquired , specially in case of infrastructure sustainable development.
Yours Very Respectfully,
Dr. Mohamed Taher Abdelrazik Hamada, Ph.D
Senior American Citizen
Retired Professor at Strayer University , USA
Address
4003 Woodland Creek Dr SE Apt 104
Grand Rapids , MI 49512
Cell Phone 616 279 7230