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New Finance



The Journal of New Finance (JNF) is a peer-reviewed quarterly journal devoted to the publication of world class research across all major areas of finance. The journal targets as an audience both academics and industry practitioners, with a special emphasis for investment managers and risk managers. The JNF is promoted by the Universidad Francisco Marroquin Madrid.




new finance



Our research covers commodities, power, transport, industry, buildings and agriculture sectors as well as cross-cutting technologies and sustainability issues to help business, finance, and government professionals navigate change and make informed decisions.


BNEF Summits have convened leaders in energy, industry, transport, technology, finance and government since 2008. At these events, decision makers are able to generate ideas, deliver fresh insights, and make connections that help them formulate successful strategies, capitalize on technological change and shape a cleaner, more competitive future.


BloombergNEF (BNEF) is a strategic research provider covering global commodity markets and the disruptive technologies driving the transition to a low-carbon economy. Our expert coverage assesses pathways for the power, transport, industry, buildings and agriculture sectors to adapt to the energy transition. We help commodity trading, corporate strategy, finance and policy professionals navigate change and generate opportunities.


The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. For more information, visit consumerfinance.gov.


The New York State Housing Finance Agency is a public benefit corporation created in 1960 to finance low- and moderate-income rental housing. HFA issues taxable and tax-exempt bonds to provide mortgage loans to developers of affordable multifamily rental housing.


Day after day, CFOs and investors alike make decisions based on the principles of modern financial theory. Developed in the decades after World War II, these theories began as isolated academic concepts. Today they shape our corporations. The assumptions they make about the behavior of investors has influenced everything from capital budgeting decisions to CEO compensation. The conclusions they draw spawned a whole school of management that focuses on giving shareholders their due. Indeed, these theories have become such an essential part of doing business that one finance textbook urged students to tattoo their prescriptions on their foreheads.


As these various views suggest, the current debate over the future of finance is part of a larger argument about the right form of capitalism in a global economy. Nor is this debate simply academic: for just as the powerful ideas that have shaped modern finance have dominated the way business has been done in the latter part of the twentieth century, these new ideas may shape the way business will be done in the twenty-first century. Therefore, the most important question for us is: What is the new finance?


In Capital Ideas: The Improbable Origins of Modern Wall Street, Peter Bernstein writes about the men and the milieu in which these ideas became dogma. What his engaging history demonstrates are the long-standing links between science and finance. The technology has become a lot more sophisticated than it was when turn-of-the-century investors studied long, hand-drawn charts of the movements of stocks, trying to discern a message in their fluctuations much as gypsies read tea leaves. But the impulse was similar to what led later theorists to hypothesize that stock prices move randomly, much the way molecules do in space. Over time, this scientific concept was translated into the financial world, where it became known as the random walk down Wall Street.


On the other hand, the problem with the multidimensional market models is that only a privileged few fully understand them. At a certain complexity level, these models are simply useless to senior management. That is why we are unlikely to see the death of CAPM or the efficient market hypothesis yet. The passionate critiques of CAPM and EMH notwithstanding, no one has come up with a workable alternative. So instead of throwing out the old financial models in favor of new ones, senior managers are likely to find it more helpful to use the new concepts to understand the assumptions and limitations that are built into the models they have been using all along. In the long run, then, the new finance may turn out to be mostly a new and improved version of the old finance.


Much more finance will be needed to support developing countries as they pursue low-carbon, climate-resilient development. This will require trillions of dollars of investment to be shifted and mobilized globally to ensure a rapid transition to a carbon-free, inclusive and resilient economy. These funds can be used to support access to clean and affordable energy, expand sustainable transport, and reduce deforestation and land degradation in developing countries. Without these resources, we all face the risks of greater disruption and instability.


Following the adoption of the historic resolution to forge an international legally binding agreement to end plastic pollution by 2024 endorsed by UN Member States in March 2022, UNEP FI is convening a core group of leading financial institutions who will play an important role in supporting the development of the agreement and implementing it across the global finance sector.


Announced today by ING at the World Economic Forum in Davos, the Finance Leadership Group on Plastics will provide input and suggestions to the Intergovernmental Negotiation Committee (INC) on the desired outcomes for banks, insurers and investors. It will also build readiness in the finance sector to act on plastic pollution through awareness raising, capacity building, and target-setting support.


With one garbage truck of plastic discarded into our oceans every minute and production expected to double by 2040, plastic pollution is a serious global environmental and social threat. Intrinsically linked to climate change, biodiversity loss, pollution, and public health, it presents both high risks as well as opportunities for the finance industry which has a key role to play in ending plastic pollution.


Since joining Los Altos in 2021, Du has managed daily finance operations, the year-end closing process, and the fiscal year 2020/2021 annual audit. During her time as Finance Manager, Du helped restructure the Finance Department, implement updated data collection procedures, and execute citywide finance staff training.


Du has amassed over a decade of experience in municipal finance, holding executive-level positions in the cities of Rio Vista, Willits, and San Pablo. As Finance Director for the cities of Rio Vista and Willits, she led the creation of the five-year Capital Improvement Program budgets for each city. These cities also won their first Government Finance Officers Association Budget Presentation Award under her lead.


Toyota low-APR finance deals are like money in the bank. You can find a wide range of low-APR car deals for cars that fit your budget and lifestyle. From cars and trucks to SUVs and hybrids, you can find low-APR financing Toyota specials at a dealer near you. Perhaps you have had your eye on one of the new C-HR models. A 0-4% APR Toyota deal can help put that new car in your driveway. You can also find APR deals on cars like the reliable Camry, fuel-efficient Corolla, and even the all-new Highlander Hybrid. Different deals come with different APR rates and term lengths, as well. Just ask your local Toyota dealer about your options for Toyota 0% or low-APR finance deals. Only very well-qualified buyers will qualify for the lowest APR. APR stands for Annual Percentage Rate and reflects fees or interest on top of your car payment. A 0% APR Toyota deal means that you don't pay that additional fee. With possible 0% financing, Toyota puts you in control of your car ownership. Get the car you've always wanted without a high APR rate. Interested in Toyota financing deals? Find a local dealer today and inquire about low-APR financing Toyota offers. Make that dream car a reality today.


The new sustainable finance strategy aims to support the financing of the transition to a sustainable economy by proposing action in four number of areas: transition finance, inclusiveness, resilience and contribution of the financial system and global ambition.


Once it is adopted by co-legislators, this proposed Regulation will set a gold standard for how companies and public authorities can use green bonds to raise funds on capital markets to finance such ambitious large-scale investments, while meeting tough sustainability requirements and protecting investors.


The trade-off between cost reduction and increased effectiveness of the finance function is a false choice. Leading finance departments are guardians of enterprise value creation, demonstrating stewardship of their own spend by lowering absolute costs and shifting work towards more value-added activities.


We have analyzed the finance functions of hundreds of companies to understand how cost and effectiveness have evolved over the past ten years. After controlling for differences in sector, scale, and geographic footprint, several findings emerged:


While the magnitude of improvement varied among sectors, ranging from 15 to 35 percent over the ten-year period, the decline in the cost of finance departments is consistent across industries (Exhibit 1).


Achieving the next frontier in finance efficiency and effectiveness will likely require finance executives to shift their thinking from the priorities of the past. Four moves are especially critical for delivering greater real-time insights, minimizing human error and biases,