4th BIENNIAL INTERNATIONAL BUSINESS BANKING AND FINANCE CONFERENCE CURRENT STATUS AND FACTORS DEPENDENCE ON ECONOMIC PERFORMANCE OF NORTH AMERICA AND EUROPEAN MARKETS HIGH ENERGY AND FOOD PRICES TOURISM SUFFERING, UNEMPLOYMENT STAGNATED FOREIGN DIRECT INVESTMENT ECONOMIES NOT DIVERSIFIED RISING DEBT LEVELS AND DEFICITS REGIONAL PRIVATE SECTOR CLICO IMPACT SHAKEN CONFIDENCE, STOCK MARKETS SLUGGISH GLOBAL FACTORS SLOWING RECOVERY MIDDLE EAST CRISIS SUSTAINED HIGH OIL PRICES IMPACT ON CONSUMERS AND ENERGY EUROPEAN SOVERIGN DEBT CRISIS RATING DOWNGRADES, DEBT, DEFICITS US LABOUR AND HOUSING MARKET JAPANESE CRISIS DEMAND, CURRENCY , DEBT CHINA HIGH INFLATION TIGHTENING MONETARY POLICY SOLUTIONS – SHORT TERM STIMULUS AND GOVT SPENDING CONTRACTORS, SALARIES, TAX MEASURES MANAGE DEBT AND BUDGETS TO RESTORE CONFIDENCE IMPROVE COMPETITIVENESS AND PRODUCTIVITY OF PUBLIC AND PRIVATE SECTOR – SUSTAINABILITY EFFECTIVELY MANAGE CLICO FALLOUT IN THE CARIBBEAN RESTORE CONFIDENCE IN FINANCIAL REGULATORY SYSTEM ROLE OF THE BANKING SECTOR AND CREDIT COMPETITVENESS AND INNOVATION WORLD FORUM GLOBAL COMPETITIVENESS INDEX BARBADOS 43 TRINIDAD ANF TOBAGO 84 GUYANA 110 WHY HAVE SMES NOT TAKEN ADVANTAGE OF CROSS BORDER OPPORTUNITIES AND CARICOM CLIMATE FOR ATTRACTING INVESTMENTS STOCK MARKETS – IPOS, NATIONAL ASSETS FOR NATIONAL INVESTMENT DIVERSIFICATION OF ECONOMIES FROM OIL AND GAS, TOURISM ROLE OF THE PRIVATE SECTOR AND PARTNERING WITH GOVERNMENTS ENCOURAGE INNOVATION AND ENTREPRENEURSHIP ROLE OF PUBLIC SECTOR INCENTIVES AND NEW AREAS FOR FDI REDUCE BUREAUCRACY - EASE OF DOING BUSINESS TTBIZLINK SMES AS WELL AS LARGE FIRMS FINANCIAL AND LEGAL REGULATION TRANSPARENCY AND INTEGRITY IN PUBLIC PRACTICES PUBLIC PROCUREMENT LABOUR RELATIONS CLIMATE SOCIAL CLIMATE CRIME AND OTHER FACTORS, REVERSE BRAIN DRAIN ROLE OF THE PRIVATE SECTOR INVEST IN NEW OPPORTUNITIES BY PARTNERING, CLUSTERING (STILL SMALL) HUMAN CAPITAL DEVELOPMENT AND EMPLOYMENT CREATION INVEST IN TECHNOLOGY, MOERN PLANT AND MACHINERY ACCESS TO FINANCE INTERNATIONAL DREAM BIG IF COMPETITIVE AND PRODUCTIVE, OPPORTUNITIES RENEWABLE ENERGY – GUYANA HYDRO, OTHERS SOLAR AND WIND DEVELOP MANUFACTURING SECTOR THROUGH COMPETITIVENESS AND PRODUCTIVITY AGRICULTURE DOWNSTREAM ENERGY POLYPROPYLENE, POLYETHYLENE GAS PROJECT (JAMAICA LNG), GUYANA