Michael Santos, Ph.D.

Office

About

Dr. Michael Santos is a Professor of Finance at the School of Business and Economics at Sonoma State University. He received his Ph.D. in Financial Economics from Boston College in 2000. His teaching interests focus on the areas of financial management, investments, international finance, and risk management and insurance. Dr. Santos has taught Financial Markets and Business Strategy courses in the Sonoma Executive MBA in Wine Business.

Education

• Boston College - Ph.D. in Financial Economics
• University of San Francisco - M.A. in Economics
• Ankara University (Turkey) - B.A. in Economics

Selected Publications & Presentations

• Santos M., Richman, V., & Urbanski, J. (2017). Annual changes in mortality rates and related effects on life insurance company financials. Journal of Applied Financial Research, Volume I, 60-72.
• Santos M., Richman, V., & Urbanski, J. (2017). The effects of negative interest rates on the life insurance financials. International Journal of Business, Accounting, and Finance, 11(1). Received Best Presentation Award at the 2017 International Academic Conference on Business, San Diego, California, Clute Institute, March 12-16, 2017.
• Santos M., Richman, V., & Baltazar, R. (2016). Sensitivity of life insurance company financials to changes in premiums and interest rates: A teaching note on policy reserves. Academy of Educational Leadership Journal.
• Santos M., Richman, V., & Urbanski, J. (June 2016). A teaching note for risk management and insurance instructors and students: Statutory accounting example for a life insurance firm. Business Education Innovation Journal, 8(1). 
• Santos M. (with V. Richman), (2015). A teaching note for risk management and insurance students and instructors: SAP accounting example for a property and casualty firm. Journal of Finance and Accountancy, https://aabri.com/OC2015Manuscripts/OC15026.pdf
• Santos M. (V. Richman), (2014). Analyzing the effects of short- and long-term customer relationship on the wine customer lifetime value, a book chapter in Strategic Winery Tourism and Management: Building Competitive Winery Tourism and Winery Management Strategy, Apple Academic Press, ISBN 9781926895680, see at https://www.crcpress.com/product/isbn/9781926895680. Manuscript received Clute Institute Best Paper Award in Finance area and the textbook received Gourmand Awards at https://en.wikipedia.org/wiki/Gourmand_World_Cookbook_Awards
• Santos M. (V. Richman), (2014). Financial ratio and valuation analyses of Constellation Brands Inc.: A case study, a book chapter in Strategic Winery Tourism and Management: Building Competitive Winery Tourism and Winery Management Strategy, Apple Academic Press, ISBN 9781926895680, see at https://www.crcpress.com/product/isbn/9781926895680. The textbook received Gourmand Award