智慧金融环境下的农村金融信息服务平台研究

＂智慧金融＂作为以金融云计算为技术基础的智能化应用体系已在金融行业得到广泛的应用。＂智慧金融＂对于共享异地分布的金融信息资源、降低信息获取成本起到了很大作用。本文针对农村金融服务领域中广大农户信息获取方面处于被动地位、信息来源单调、不能时时更新、可解释性差等问题,从农村金融信息服务需求出发,分析了基于＂金融云计算＂的金融信息服务平台的总体结构和资源管理内容,提出了构建金融云平台的实施策略。     

勇创新 敢突破 开创工行人工智能新未来

大数据及人工智能实验室按照“探索智能科技,打造智慧金融”的指导思想,深入开展大数据技术框架、大数据服务云平台、机器学习、自然语言处理、图像识别等大数据及人工智能领域新技术的研究与探索,根据应用前景推动新技术落地实施,致力于使金融数据的分析越来越科技化、多样化与智能化,促进金融创新和银行信息化发展。     

互联网金融的发展策略与监管思路简

日前,＂中国银行业信息科技风险管理2013年会暨银行业信息科技风险管理高层指导委员会全体会议＂在浙江召开,在同期举办的＂互联网金融＂论坛中,来自监管机构、商业银行、互联网公司和研究机构的嘉宾从不同视角审视互联网金融的发展机遇与挑战,围绕互联网金融的本质内涵、外部监管、内部风控和未来发展等话题进行了探讨。     

服务全球 支持多元 引领创新——中国银行信息化建设成就和规划思路

中国银行＂十二五＂信息化建设的基本思路是：①服务创新发展、转型发展、跨境发展的战略要求,全面提升现有IT系统架构和IT支持能力,引入新技术、新理念,使规划更具前瞻性;②建立支撑一体化、多元化和金融创新的灵活、可扩展的基础技术框架平台,实现集团和全球范围内系统的互联互通,在此基础上,全方位推进IT系统建设,整合集团内各种信息和服务,形成合力,支持业务战略的实现;③研究新技术,抓住新机遇,服务新的市场变化和客户要求;引进新的技术和理念,服务于生产实践,提升信息科技生产力。     

聚焦移动互联 创新信息金融——2013中国国际金融展侧记

2013年9月5~8日,第21届中国国际金融展在北京展览馆成功举办。本届金融展以＂创新信息金融、服务社会民生＂为主题,通过金融技术设备展、金融服务展、中国金融发展论坛三大展示宣传平台,全方位展示了信息科技创新在引领金融业务创新、推动金融管理变革、改善金融客户服务等方面的广泛应用和重要作用,多角度宣传了金融科技与服务创新带来的高效、便捷、舒适的金融生活体验及未来金融发展蓝图。     

区域金融发展与经济增长关系的经验分析——以深圳为例

利用深圳市金融发展与经济增长1979～2009年年度数据,实证研究表明金融相关比率与深圳人均实际经济增长存在明显葛兰杰因果关系;人均实际经济增长对金融相关比率促进作用并不明显;金融储蓄结构和金融中介效率分别与经济增长之间的葛兰杰因果关系并不显著。因此,要深化深圳金融业发展,应该提高金融业资金配置效率以及促进金融发展由＂供给主导＂向＂需求遵从＂转变。     

服务无限,安全为本,大力拓展移动支付业务——访中国光大银行股份有限公司信息科技部总经理杨兵兵

随着信息智能化和移动金融时代的到来,移动支付无疑已经成为产业链各方关注的焦点业务之一。近年来,光大银行深刻认识到移动支付对于业务发展的重要性,已从人员和其他资源投入等方面将其作为战略级发展方向。＂未来,光大银行将在近远程支付业务端将金融业务与更多的其他行业进行融合,重点丰富电子渠道和移动渠道的业务服务内容,同时充分利用和探索云计算与大数据挖掘技术,打造更加智能、便捷、多元化的移动金融银行。”光大银行信息科技邮总经理杨兵兵对于移动支付业务的发展充满信心。采访中,杨兵兵对我国移动支付市场的现状以及存在的问题进行了深入剖析。     

对金融信息化从技术转向科技的思考——以农业发展银行为例

伴随着信息科技的革命性发展,尤其是互联网的高速发展,金融业涌现出声势浩大的金融创新浪潮,农业发展银行＂信息技术部＂也正式更名为＂信息科技部＂,标志着从技术到科技的新的职能转换。本文通过分析国内金融业信息科技发展现状,以及农发行金融信息科技工作面临的机遇和挑战,提出了完善农发行金融信息化整体架构的思路。     

呼伦贝尔市发展普惠金融面临的问题及对策

党的十八届三中全会正式提出＂发展普惠金融＂,这是＂普惠金融＂概念首次上升为国家战略。对于地广人稀、农牧民居住分散、交通信息不畅、金融服务空白点较多的呼伦贝尔市而言,发展普惠金融,更是一项符合市情、顺应民意的重大金融举措。本文分析了呼伦贝尔市发展普惠金融面临的问题,并有针对性地提出对策建议。     

绿色金融和金融科技融合发展架构及应用方向

绿色金融作为国家支持环境服务业发展的政策手段,对我国的经济结构转型与可持续发展起到积极作用.金融科技具有创新性、智能化、普惠性等特点,可以有效解决绿色金融发展过程中的信息不对称、业务拓展方式不足、监管难度大等问题.本文对绿色金融和金融科技的融合发展情况进行了研究,并提出相关政策建议.     

Bank market power,factor reallocation,and aggregate growth

Using a unique firm-level sample of approximately 700,000 firm-year observations of German small and medium-sized enterprises (SMEs), this study seeks to identify the effect of bank market power on aggregate growth components. We test for a pre-crisis sample whether bank market power spurs or hinders the reallocation of resources across informationally opaque firms. Identification relies on the dependence on external finance in each industry and the regional demarcation of regional banking markets in Germany. The results show that bank markups spur aggregate SME growth, primarily through technical change and the reallocation of resources. Banks seem to need sufficient markups to generate the necessary private information to allocate financial funds efficiently.     

国际手机银行发展、风险分析与安全策略

手机银行是商业银行借助于现代信息技术,向客户提供信息和金融交易服务的新型金融服务方式,也是当代金融业发展的新趋势。手机银行作为一种实体银行的虚拟工作环境,其潜在的风险远远高于传统银行。本文对手机银行存在的风险进行分析,并在此基础上提出相应的安全策略。     

打造智慧银行生态体系 提升金融服务供给效能

当前,在新一轮科技革命驱动下,我国进入由“互联网+”到“智能+”跨时代跃变的新阶段。以开放化、数字化、智能化为主要特征的数字经济、共享经济、平台经济迅猛发展,在撬动传统行业发生颠覆性变革的同时,也正在改变重塑金融生态格局,将银行业推向了变革和转型的新时代。     

Mutual fund expenses: Evidence on the effect of distribution channels

This paper employs a new set of variables in examining the determinants of fund expenses. The Finnish Association of Mutual Funds requires the industry to disclose new variables such as turnover and tracking error from 2002. Using this information the authors examine whether bank-managed funds are managed more actively than their non-bank competitors, which would explain their higher management fees. Equity and balanced funds distributed through bank offices charge higher expense ratios than funds distributed through independent fund management companies. The results suggest that existing customer relationship, bank cross-selling and convenience rather than operational expenses contribute to fund selection of bank mutual fund customers.     

A note on efficiency and productivity growth in the Korean Banking Industry, 1992–2002

In this paper we present estimates of Korean bank inefficiency and productivity change for the period 1992–2002 that are derived from the directional technology distance function. Our method controls for loan losses that are an undesirable by-product arising from the production of loans and allows the aggregation of individual bank inefficiency and productivity growth to the industry level. Our findings indicate that technical progress during the period was more than enough to offset efficiency declines so that the banking industry experienced productivity growth.     

中小商业银行个人网上银行差异化战略分析

信息技术和网络技术的蓬勃发展给金融业带来了巨大的变革,网上银行是金融信息化高级阶段的产物,它已经成为世界各国银行业发展的必然选择。文章立足中小商业银行的角度,探讨其发展个人网上银行业务的战略意义、实施差异化战略的必然选择及差异化战略的具体实施策略,以期为中小商业银行发展个人网上银行业务提供理论参考。     

银行监管的理论研究

银行体系自身具有内在的脆弱性;自然垄断、外部效应和信息不对称等问题又导致金融市场的失灵;银行业在经营中必然存在一定的道德风险。上述原因使得银行监管成为一种必要,有效的监管有利于防范金融风险的发生。     

Intra-Industry Effects of a Regulatory Shift: Capital Market Evidence from Penn Square

In this paper, we use stock market data to examine the intra-industry effects of the July 5, 1982, closure of the Penn Square bank. A sample of 54 bank stocks is divided into four portfolios: industry, money center, Texas, and upstream. The latter group consists of banks that had purchased loans directly from Penn Square. Our objective is to determine whether FDIC Chairman Isaac's decision to close, rather than merge, Penn Square had an industry-wide contagion effect or a firm-specific information effect. We conclude that the stock market reaction to the Penn Square closure represents a rational investor response to new bank-specific information.     

Cross-border bank mergers: What lures the rare animal?

Although domestic mergers and acquisitions (M&As) in the financial services industry have increased steadily over the past two decades, international M&As were until recently relatively rare. Moreover, the share of cross-border mergers in the banking industry is low compared with other industries. This paper uses a novel dataset of over 3000 mergers that took place between 1985 and 2001 to analyze the determinants of international bank mergers. We test the extent to which information costs and regulations hold back merger activity. Our results suggest that information costs significantly impede cross-border bank mergers. Regulations also influence cross-border bank merger activity. Hence, policy makers can create environments that encourage cross-border activity, but information cost barriers must be overcome even in (legally) integrated markets.     

The impacts of risk-taking behaviour and competition on technical efficiency: Evidence from the Chinese banking industry

This paper tests the impact of risk and competition on efficiency in the Chinese banking industry over the period 2003–2013. Comprehensive types of risk-taking behaviour are considered including credit risk, liquidity risk, capital risk, and insolvency risk. Competition is measured by the Lerner index. The results are cross-checked using an alternative econometric technique as well as an alternative competition indicator. The findings show that the technical and pure technical efficiencies of Chinese commercial banks are significantly and negatively affected by liquidity risk. They further show that greater competition precedes declines in technical and pure technical efficiencies of Chinese commercial banks. The results suggest that Chinese bank efficiency is significantly affected by bank diversification, banking sector development, stock market development, inflation and GDP growth rate. The findings also indicate that, compared to state-owned commercial banks, joint-stock commercial banks and city commercial banks have lower technical and pure technical efficiencies.