金融IT企业绩效管理的策略分析

近年来随着互联网技术的快速发展,传统的金融服务和互联网技术实现了有效的结合,出现了大量的金融IT企业,IT企业在经过腾飞发展以后上市企业呈现越来越多的局面,对于经济发展贡献了重要的力量。IT企业上市以后人力成本在逐渐增加,并且占整个企业运营成本的比例非常大,因此为了对IT企业人力资源进行有效管理,发挥人力资源的最优配置需要采取绩效管理的措施。绩效管理对于金融IT企业的发展具有重要的影响,提高企业绩效管理效率具有重要的现实意义,所以IT企业在发展过程中需要按照企业的实际情况,按照人员的现实配置发掘多种手段的绩效管理,这样才能最大限度地发挥绩效管理的优势促进企业的长期发展,提升工作人员的积极性和主动性。目前股权激励政策被我国很多金融IT企业作为绩效管理方法,这种方法在企业发挥了重要作用但是还不够完善,还需要采取有效的措施来提高绩效管理的效率,发挥股权激励政策应有的价值,最终促进金融IT企业的进步和发展。     

IT企业合作创新优势博弈分析

竞争和垄断究竟哪一种市场结构更有利于IT企业技术创新、更具创新优势,一直是IT企业界关注的焦点。主流经济学认为,完全竞争的市场结构最有利于技术进步。但越来越多的观点认为垄断是市场对竞争成功者的一种奖赏,垄断企业的竞争优势主要表现在具有较高的市场占有率、盈利率、拥有较强的技术进步和创新能力。本文以IT企业为例,对IT企业合作创新中的内在动因与合作各方所产生的效果进行比较分析,得出的结论支持了后一观点。     

对信息技术(IT)企业及其营销策略创新的若干思考

对IT企业所具有的产品技术特点与存在的问题进行分析,从IT企业自身的角度不断进行有效的营销策略创新,以期在激烈的IT产业市场的国内、国际竞争中取得竞争优势,使企业能快速、稳定、持续发展。     

论IT环境下的会计业务流程重组

企业会计信息化不是利用IT技术简单地将原有的流程自动化，而必须基于IT技术、借助于流程再造的管理理念和模式，重构会计业务流程，以便更能有效地协助企业利用IT技术进行管理创新和效益创新。实施会计业务流程重组不是单纯的技术问题，更是一种思维方式的转变。     

声音

2008中国IT市场年会在京召开"2008中国IT市场年会(ITMC 2008)"于2008年2月26日在北京香格里拉大饭店隆重举行。此次年会以"产业生态整合与商业模式创新"为主题。来自政府官员、知名学者、企业领袖、IT用户、金融投资专家和媒体等国内外     

金融IT盛宴：中国快跑

金融、IT天然亲密，现代信息化进程和层出不穷的业务创新更是加速二者联姻，共同催酵行业蛋糕。在这场盛宴中，发达国家IT巨鳄先拔头筹，软件服务成利基市场，印度凭借外包优势强势逆袭，中国企业的本土抢位战仍任重道远。     

存储市场规模将达112．4亿元

“2008中国IT市场年会（ITMC2008）”于2008年2月26日在北京香格里拉大饭店隆重举行。此次年会以”产业生态整合与商业模式创新”为主题。来自政府官员、知名学者、企业领袖、IT用户、金融投资专家和媒体等国内外各界人士，共一千余人参加了本次会议。     

基于云计算技术的我国企业管理创新研究

随着经济的发展,计算机的普及,云计算技术开始应用在各个方面,将其应用于企业的管理中,对企业管理质量的提升以及企业的良好发展都有十分重要的作用,这是一个企业管理方面的创新领域,值得去深入研究。本文从IT部门变革、技术研发创新以及人力资源管理等三个方面探讨了在云计算技术的环境下企业关于管理的创新。云计算技术能够减少企业的IT成本,相应地增加企业对于科研方面的投入,从而提高企业的整体竞争力。     

IT市场：走稳与求新

作为国民经济的首要支柱，在建设创新型国家的过程中，IT产业已经成为技术创新。产业创新的重要推动力量，而另一方面，我国IT产业本身也面临着环境，技术、应用等诸多方面的巨大挑战。 逐步壮大的IT产业规模和稳定增长的IT应用市场为企业发展创造了良性发展环境，如何在挑战与机遇并存的环境下精确解读IT产业大势，如何理性选择企业的创新战略，如何在细分市场领域构建企业的比较竞争优势，日益成为IT企业必须面对的关键命题。     

数字金融、高管背景与企业创新——来自中小板和创业板上市公司的经验证据

以2012-2018年中小板和创业板上市公司为样本,对数字金融发展如何影响企业创新进行研究,并考察高管背景的调节作用.研究发现:数字金融发展对辖区企业创新有较显著的促进作用,且高管的研发技术背景对该作用有显著的正向调节效应,而高管的政治关联背景对企业创新具有抑制作用,并对数字金融在创新激励方面的作用产生负向调节效应.进一步研究发现,数字金融对企业创新的激励作用限于非国有企业和高新技术企业,高管背景的调节效应也是如此.     

金融结构、金融功能与金融效率——一个基于系统科学的新视角

从系统的角度、以金融效率为落脚点、重新廓清金融结构、功能与效率之间的逻辑关系，是深入研究上述要素的可循之径。本文在超越“系统观”的基础上，基于系统科学的新视角，将金融结构、功能与效率整合在金融系统内（简称SFE框架）进行研究，最终提出了构建SFE框架的若干要义：金融结构与环境共同决定金融功能与效率、整体观是金融功能观的理论基础、金融适应效率是关键、系统综合是实现从微观到宏观金融效率的有效途径。     

School and family environments promote adolescents' financial confidence: Indirect paths to financial literacy skills in Finnish PISA 2018

This study investigates the associations of adolescents' financial socialization factors—financial education in school and families—with financial confidence (i.e., confidence in using financial and digital financial services). In addition, we examine how financial socialization factors indirectly relate to financial literacy skills through financial confidence and the role of demographic factors (adolescent gender, grade level, parental education, family wealth) on financial socialization, financial confidence, and financial literacy scores. We used data on the 4328 Finnish 15-year-olds participating in the 2018 Programme for International Student Assessment (PISA). We measured financial literacy by cognitive test items and assessed financial socialization and financial confidence by adolescent questionnaires. First, the results showed that financial education in school positively predicted adolescents' confidence in using financial and digital financial services. Second, financial education at schools and in families indirectly predicted students' financial literacy through confidence in using digital financial services. Third, older adolescents were more exposed to financial education at school and in families, whereas adolescents from wealthier families and girls (vs. boys) were exposed to a more frequent discussion of financial matters with parents at home. Furthermore, the boys were more confident in using financial services than the girls, although the financial literacy score did not differ by gender; older adolescents were more confident in using financial services and achieved better financial literacy than younger ones. Finally, higher parental education in the family related to higher financial literacy but not to higher financial confidence, whereas family wealth was related to higher financial confidence but not financial literacy.     

Consumer financial education and financial capability

The purpose of this study was to explore potential effects of financial education on the financial capability of American consumers. Data from the 2012 National Financial Capability Study were used to test the hypothesis that financial education is positively associated with financial capability. Four financial literacy and behaviour variables were used to form a financial capability index. Multivariate linear regression results showed that, after controlling for demographic and financial variables, respondents who ever received financial education had higher scores in all financial capability indicators (objective financial literacy, subjective financial literacy, desirable financial behaviour, perceived financial capability and the financial capability index). In addition, high school, college and workplace financial education variables showed positive associations with these financial capability indicators. Additional state comparison analyses provided evidence suggesting high school financial education may have direct impacts and spillover effects on consumer financial capability.     

The relationships of financial literacy with both financial behavior and financial well-being: Meta-analyses based on the selective literature review

This study conducted meta-analyses of the relationships between financial literacy and both financial behavior and financial well-being. Peer-reviewed articles published on financial literacy in the field of consumer studies were collected by July 29, 2020. Fourteen articles were eligible for the meta-analyses. The results showed positive relationships of financial knowledge with desirable financial behavior and financial well-being. Our comparison of objective and subjective financial knowledge indicated that subjective knowledge had stronger relationships with both financial behavior and financial well-being than objective knowledge. These two types of knowledge also had different paths to financial well-being in that subjective knowledge had both direct and indirect effects on financial well-being through financial behavior, whereas objective knowledge only had an indirect effect. The relationship between financial knowledge and financial behavior appeared stronger in cross-sectional data than in longitudinal data. The implications of these results and possible directions for future consumer science research were discussed.     

财务管理学研究要借鉴社会心理学

财务管理实践与人们的社会心理密切相关。财务管理研究者要关注社会心理学,因为两者的研究对象、影响变量许多是相同的。财务管理学关注社会心理可以提高财务管理的价值和效用,可以使财务决策更加人性化、财务治理更加科学化,避免财务管理情绪化,提高财务谈判成功的概率。     

财务二重性视角下的企业财务治理及相关问题研究——兼论财务管理主体、客体与目标

现代财务的内涵决定了企业财务包括价值和权力两个层面,其中,财务治理主要从权力角度处理财务问题,而财务管理侧重从价值角度处理财务问题。据此,我们认为:财务治理主体是拥有财权并参与配置财权的自然人或法人,而财务管理主体是财务活动的参与者与执行者;财务治理客体是财权,而财务管理客体是本金;财务治理目标是财权的最优配置,而财务管理目标是本金的最大增值。     

Are consumers' financial needs and values common across cultures? Evidence from six countries

Are consumers' financial needs, and financial values, the same or different across cultures? Two studies, with student (Study 1; n = 988) and non‐student (Study 2; n = 959) participants, explore the extent of equivalence, across six countries (Brazil, Russia, China, Taiwan, Tunisia and US), in financial need belief, and financial value, measurement models. The financial need beliefs, derived from self‐determination theory (SDT) principles, include financial self‐efficacy, financial autonomy, financial community trust and support; the financial values include materialism and financial altruism. Both the financial need and financial value constructs evidence configural invariance (similar factor structure), and factor invariance among student but not non‐student samples. The financial need constructs evidence full, and the financial value constructs evidence partial, metric (factor loading) invariance. Factor covariance invariance obtains for the financial need beliefs constructs but not the financial value constructs. Finally, neither financial need nor financial value constructs evidence scalar (intercept) invariance. These results provide partial support for extending SDT's hypothesis of universal human needs to the financial domain. In contrast, the financial value constructs of altruism and materialism are largely instable across cultures, suggesting that consumer views of giving, and the role of wealth in social status, differ between countries.     

中国金融创新:美国次贷危机背景下的选择

通过对美国次贷危机与金融创新关系的再反思,分析金融创新在美国次贷危机中所扮演的角色,重申金融创新的积极作用,提出金融创新在我国金融体系发展中的重要策略和原则:金融创新必须在合理的范围内进行,遵循"风险可控、成本可算"的原则,进一步完善金融监管体制,并要处理好金融创新与金融监管的关系。     

构建我国金融风险预警机制的宏观思考

全球金融危机使世界各国经济受到一定程度的破坏,在此情况下我国金融安全也面临着严峻的挑战。近些年来,无论从宏观上还是从微观上看,我国金融体系已积累了很大的风险,而且随着金融深化和金融全球化的不断发展,这种风险压力还将继续加大。尤其是近年来金融业对外开放提速,金融机构业务创新加快,金融安全已受到了更多风险因素的威胁。因此,必须加快建立适合我国国情的金融风险预警机制,作为金融监管的有效补充和延伸。     

Financial Inclusion in Rural Uganda: Testing Interaction Effect of Financial Literacy and Networks

ABSTRACT

Based on the premise that financial literacy take place in networks to influence the level of financial inclusion, the study examined whether networks moderate in the relationship between financial literacy and financial inclusion among poor households in rural Uganda. Studies have revealed that financial literacy affects the level of financial inclusion. However, these studies have failed to incorporate the moderating role of networks in the relationship between financial literacy and financial inclusion. The results showed that networks positively and significantly moderates in the relationship between financial literacy and financial inclusion with both financial literacy and networks having direct and significant effects.