加强第三方支付监管的思考——基于博弈论的视角

文章在对第三方支付的现状以及风险分析的基础上,提出保证金制监管制度。通过建立委托-代理博弈模型分析了保证金制的效果,建议监管部门实行分级监管。最后提出了相应的监管建议。     

小型水利工程的质量监管

针对小型水利工程而言，其关键是做好质量监管，保证工程质量，发挥工程长效作用，为农业生产及人们生活提供便利条件。本文分析了小型水利工程存在的主要问题，并提出了加强小型水利工程质量监管的建议。     

浅谈我国会计监管存在的问题及对策

为了加强会计管理工作，保证该项活动能够有序开展，必须要加强对会计活动的监管工作。必须要根据具体的情况来制定合理的制度标准，根据特定的经济活动程序来对项目资金的利用进行有效的全面的监督和管理，在这篇文章中笔者根据会计监管体系的有效构建，以及监管过程中出现的问题提出了一些建议，希望能够强化该项管理工作。     

论保险监管的效率和具体措施

目前如何提高保险监管的效率，正确处理好监管成本和收益的关系是保险监管的核心问题之一。本文分析了我国保险监管效率缺失的原因，并结合实际提出了提高保险监管效率的几项政策建议。     

宏观审慎监管的文献综述

近年来金融危机频发，对传统的微观审慎监管的有效性提出了质疑，加大了对宏观审慎监管的研究。通过对宏观审慎监管的概念、特点及其政策框架的文献综述，并就如何加强我国宏观审慎监管综述了学者们的建议。     

关于完善我国上市公司监管多元化的建议

上市公司监管有广义和狭义之分，广义的监管不仅包括证监会和司法部门的监管，还包括上市公司董事会、广大市场参与者和媒体对上市公司的监管。本文通过分析我国上市公司监管在这五个方面的现状和不足，阐述了完善我国上市公司多元化监管的必要性，并提出了相关建议。     

国际规范化背景下完善我国银行业监管统计的思路

监管统计既是银行监管工作流程的起点,也是监管成果的综合反映,其统计数据和信息的真实可靠是顺利完成监管工作的重要保证,是国家制定宏观调控政策的客观依据一本文从我国银行业监管统计的实际出发,通过分析现行银行业监管统计工作中存在的主要问题和缺陷,提出进一步完善我国银行业监管统计体系的措施建议     

如何搞好中央储备粮的监管工作

结合鞍山国家粮食储备库完成中储粮监管任务工作，介绍了如何做好中央储备粮的监管工作，并提出了中央储备粮轮换方面的一些建议。     

国际金融监管对我国金融企业会计的影响

受国际金融监管的影响，我国的监管模式正在逐步向混业经营监管过渡。目前，我国金融企业会计在监管方面仍然存在一些问题。本论文以此为背景环境，对我国金融企业的会计现状进行了阐述，通过这些分析出了我国金融企业财务管理存在的问题，最后提出了对策建议。     

理想金融监管模探讨与文化底蕴的作用

2008年金融危机的爆发促使各国政府不断改革原有的金融监管模式，试图寻找一种既能保证经济平稳发展又能有效雏护市场活力的理想监管模式。本文在此背景下总结了全球金融监管的发展趋势，提出原则性监管这种较为理想的监管模式，并探讨了良好的文化底蕴是原则性监管发挥作用不可或缺的基础。     

Exploring the Ethical Dimension of Hawala

The aim of this paper is to explore the ethical dimension of hawala, an ancient informal financial practice rooted in Islamic moral traditions. Widely used in countries with an Islamic background and their diasporas, hawala is considered an important vehicle for the financial and economic development of some less developed countries. Nevertheless, in Western countries, hawala is regarded with suspicion due its controversial ethical nature. Unlike other Islamic financial institutions, the controversial questions are not the legitimacy of profit sources or the interest charged, but rather the lack of transparency that surrounds hawala transactions. Yet, the literature on hawala has neglected its ethical perspective. Our study delves into this dimension with a critical approach, using the Triple Font Theory, grounded on virtue ethics. We conclude that if hawala transactions are carried out with honesty, and fairness, this practice deserves a positive ethical appraisal. However, it is necessary to implement efficient regulatory measures to guarantee that the system is not abused by money launders and criminals. In practice, it becomes imperative to bring over a change in the regulatory approach to hawala toward a more ethically, culturally, and economically sensitive strategy. Thus, future research should focus on how “hyper-norms” or fundamental principles inherent to humanity, which are common to both “formal” and “informal,” “Western” and “non-Western” financial practices, could run the new AML/CTF regulation agenda.     

建设工程保证担保的经济学理论新发展

建设工程保证担保是担保人应工程合同方要求,向其担保履约或做出其它形式的补偿。各地在推行工程保证担保制度过程中存在着一定的片面性,本文认为所有问题的解决都需要以工程保证担保的经济学理论研究为基础,通过构建制约和谐论,用以阐释实行工程保证担保制度的根本原因。     

Can emerging market central banks bail out banks? A cautionary tale from Latin America

This paper investigates whether emerging market countries can implement monetary policies to cope with financial crises as advanced countries did during the recent global crisis—injecting significant amounts of money into the financial system without facing major short-run adverse macroeconomic repercussions. Using panel data techniques, the paper analyzes episodes of financial turmoil in 16 Latin American countries during 1995–2007. The results show that developing and emerging market countries should be cautious because injecting money on a large scale into the financial system may fuel further macroeconomic instability, increasing the chances of simultaneous currency crises.     

Regulatory issues in electronic money: A legal‐economics analysis

In this paper we examine regulatory issues relating to electronic money. The discussion proceeds along three main lines. First, the focus of attention on the potential risks to the financial system is typically on the systemic risk arising from the payments system. Since issuers of electronic money automatically become part of the payments system we consider if the arguments relating to systemic risk originating in the payments system apply in the case of electronic money. Second, we examine the sharp divergence in regulatory approaches between the US and the EU, and suggest that a useful way of reconciling this divergence is to note the existence of a tradeoff between the efficiency of the financial system and the amount of risk assumed by the public sector. This means that there is not necessarily a “correct” answer to the desirability of regulation. Third, technological advances and financial innovations have made it easier for firms to engage in regulatory arbitrage. Competitive pressures may have encouraged financial centres to engage in competitive deregulation, resulting in a less than socially optimal level of regulation overall. It is therefore important that national authorities coordinate and harmonise their regulatory policies. This revised version was published online in June 2006 with corrections to the Cover Date.     

“非中介化”、农户货币偏好与农户信用重建研究

本文对农村金融中的常态“非中介化”和农户货币偏好规律进行了探讨,揭示伴随农户借贷行为而产生农户融资渠道的转变和货币偏好,这两种经济现象背后的实质是信用的核心———普适性信任在发生作用,提出通过建立农户贷款担保基金和强化农村合作经济组织建设,以重构农户信用。同时,通过完善农村信用社的经营机制和产权结构,优化对农户信用缺失约束的外部环境,以增强双方的信任度,从而达到消除农村金融中的常态“非中介化”等对农户收入增长的不利因素。     

Are Low Price and Price Matching Guarantees Equivalent? The Effects of Different Price Guarantees on Consumers’ Evaluations

Some retailers offer price match guarantees, whereas others offer guarantees making the same promise but labeling these low-price guarantees. Do consumers respond differently to these different price guarantee labels? To address this research question, this paper leverages insights from pricing, signaling, and regulatory focus theories to demonstrate – across multiple studies – that consumers perceive price match versus low price guarantees differently. In turn, contingent on consumers’ regulatory focus, this difference in perceptions feeds forward and influences consumers’ purchase intentions and post purchase (e.g., repurchase) intentions. This paper contributes to theory, not only by showing differences across price match versus low price guarantees, but also by being the first to jointly examine purchase and post purchase intentions relating to price guarantees. This paper also speaks to practice, noting contingencies that determine whether the price match or the low-price guarantee label should be used.     

Is money really the root of all evil? The impact of priming money on consumer choice

Despite the ubiquitous importance of money, the psychology of money has until recently received relatively little attention. While the literature has found that priming money has notable psychological consequences, little research has been done on the impact of priming money on consumer choice, particularly, their choice between hedonic and utilitarian options. The current research proposes that priming money will increase the likelihood of a prevention regulatory focus, and consequently, consumers will be more likely to choose more prudent alternatives when facing a trade-off between hedonic and utilitarian options. Results of four experiments show that participants in the money priming condition were more likely to choose utilitarian over hedonic options, compared with participants in the control condition. Furthermore, this effect was mediated by consumers’ situational prevention focus on the exposure to money primes, but attenuated when credit cards are primed.     

借鉴美国经验规范和发展我国货币市场基金

美国货币市场发达的主要原因在于可供交易的货币市场工具丰富,结构层次化、利率市场化,参与广泛等。我国货币市场规模小、品种单一,市场基础设施不完善,缺少相应的组织结构和制度保障,与美国货币市场化相去甚远。应借鉴美国的经验发展我国货币市场基金,加强货币市场基础设施建设,创新金融产品,加强货币市场基金风险管理,真正发挥货币市场基金作为现金管理工具的功能。     

析世贸组织下中国垄断性产业的放松管制——政策安排与管制机制重构

中国加入世贸组织后,将面对全方位的开放。在开放的格局下,中国垄断性产业将受到不可忽略的影响。为促使垄断性产业在开放环境下的健康发展,中国政府必须对垄断性产业实施放松管制政策。本文围绕中国垄断性产业放松管制政策,对垄断性产业放松管制后管制机制的重构,包括管制主体、管制政策、法规体系等问题进行了分析。     

以科学发展观探索城市“低保”工作的新思路

科学发展观是以胡锦涛为首的党中央从新世纪新阶段党和国家事业发展全局出发提出的重大战略思想,这也为探索城市“低保”工作的新思路提供了分析的基础。从我国实际国情出发,城市“低保”工作要完成由单一的资金救助向就业保障转变;由生活保障为主向职业技能培训为主转变;由单纯发钱分物向多层次扶助转变。