http://www.dbresearch.com/PROD/DBR_INTERNET_EN-PROD/RSS_NEU_7TAGE_EN.caliasHere are all publications and articles of the last 7 days. DB Research is one of the world's leading think tanks for trends in business, society and the financial markets.enWed, 01 Sep 2010 00:00:00 +0200ResearchCopyright 1996-2010, DB Research, Deutsche Bank AGmarketing.dbr@db.comhttp://www.dbresearch.com/dbr/images/rss/logo.gifhttp://www.dbresearch.comThe goal of this study is to shed light on Chinese consumers’ evolution and behaviour as well as on the composition of this heterogeneous group. China’s urban consumers are growing in number and in spending power, and their outlook is promising. On the other hand, the potential of rural consumers must still be developed, and their income gap with the urban counterparts narrowed. Policies to support income growth, increase disposable income, and help households grow their wealth are starting to be implemented. These policies, coupled with China’s attractive long-term growth prospects, bode well for China’s consumers, who in a few decades could turn out to be the world economy’s key growth driver.http://www.dbresearch.com/PROD/DBR_INTERNET_EN-PROD/PROD0000000000262065.pdfWed, 01 Sep 2010 00:00:00 +0200Asia, Asia, Economic growth, Economic trends, Emerging markets, Global growth centres, Macroeconomics, Megatopics, Real econ. trends, Social values / Consumer behaviourPROD0000000000262065Germany is one of the most knowledge-intensive and innovative countries on Earth. In this study we focus on the innovative performance of its sixteen federal states with reference to eight indicators. The most innovative states lie in the south, while the east trails in terms of absolute levels. However, interdisciplinarity and regional industrial diversity cushion negative effects of structural change on the regions and offer alternative sources of sustained economic growth. Looking at the dynamic of innovation it is apparent that the states in the east of Germany – spearheaded by Saxony – are on the right course.http://www.dbresearch.com/PROD/DBR_INTERNET_EN-PROD/PROD0000000000261904.pdfMon, 30 Aug 2010 00:00:00 +0200Demographics, Economic growth, Economic policy, Economic trends, Education, Germany, Labour market, Macroeconomics, Megatopics, SMEsPROD0000000000261904SEPA aims to realise a Europe-wide single market in non-cash bulk payment transactions. Cross-border credit transfers, direct debits and card payments are to become just as efficient, inexpensive and secure as national payments. It has been possible to make SEPA credit transfers since January 2008 and SEPA direct debits since November 2009. At the moment, however, the SEPA format is only being used for one in thirteen credit transfers. The European Commission has decided to intervene by means of a regulation that sets an end-date for the parallel operation of national systems and the new SEPA system. Both the German government and the Federation of German Consumer Organisations (vzbz) consider the final migration of national account numbers and sort codes to IBAN and BIC to be asking too much of consumers. But what is truly unbearable is that a speedy changeover is being prevented by the protracted process...http://www.dbresearch.com/servlet/reweb2.ReWEB?addmenu=false&document=PROD0000000000261960&rdLeftMargin=10&rdShowArchivedDocus=true&rwdspl=0&rwobj=ReDisplay.Start.class&rwsite=DBR_INTERNET_EN-PRODMon, 30 Aug 2010 00:00:00 +0200Banking, European integration, Supervision and regulationPROD0000000000261960