基层行科技工作的现状及其对策

1999年9月1日起，中国工商银行（以下简称“工行”）加快了数据集中与资源整合的步伐。截至2002年3月，工行吉林省分行在全省内成功地推广了综合业务系统（CB2000），目前已发展到全功能银行系统（NOVA），完全实现了全国数据集中模式。金融信息科技工作已经成为工行各项业务工作的支撑，科技工作的管理模式也由建设型科技向管理型科技转变，形成了统一运营模式下的集约化管理体系，     

江西工行高效承接业务运营风险核查工作经验

自中国工商银行股份有限公司（以下简称“工行”）决定由内控合规部门全面承接业务运营风险核查工作以来,工行江西省分行（以下简称“江西分行”）通过实施“12345”工程,即“一个创新、二个转变、三个强化、四个建立、五个提高”,有条不紊地推进运营风险核查工作,有效发挥新监督体系风险管理效能,江西分行承接业务运营风险核查工作成效初显。     

中间业务数据变更管理系统的设计与实现

随着中国工商银行福建省分行（简称“福建工行”）将原来由各二级分行管理、运行的分散的中间业务应用系统集中到省行数据处理中心，实现了中间业务数据的全省集中，原先由各分行负责的中间业务数据变更操作也统一集中到省行处理。福建工行目前已经投入运行的中间业务应用系统已有几十个，无法通过柜面交易完成中间业务数据的变更和查询的情况时有发生，考虑到省行科技部门人员有限，且承担着大量的开发、维护和推广任务，福建工行信息科技部在征求多方意见后组织开发了一套准确、灵活、安全的变更管理系统，供二级分行科技运行部门使用，用于各行中间业务数据的变更管理。[第一段]     

2008年网络性能管理研讨会在京召开

中国金融电脑杂志社于2008年5月12·14日在北京举办了“2008年网络性能管理研讨会”，中国工商银行股份有限公司（以下简称“工行”）总行和分行科技部门的管理人员、技术人员和思科系统（中国）网络技术有限公司（以下简称“思科”）的技术专家参加了这次研讨会。会议由中国金融电脑杂志社副总编辑李茜梅主持并致欢迎辞。     

负载均衡在综合前置应用系统中的应用

目前,中国工商银行股份有限公司（以下简称“工行”）综合前置应用系统是构建在BULLIBTE银行电子交易平台基础上,是各分行自助设备的接入平台,属于瑞机与主机之间的重要前置系统。该系统承担连接工行所有自助设备和其他应用系统（区域银联、中间业务等）交易数据的转接,是工行各分行7×24小时连续运行的关键核心应用系统。     

基层央行数据中心建设的若干具体问题

随着人民银行（以下简称“央行”）人民币银行结算账户管理系统、财务综合管理信息系统、货币金银管理信息系统、金融统计监测管理信息系统以及国库会计数据集中系统等多个重要业务系统的数据在总分行集中整合步伐的加快,近年来,央行南京分行（以下简称“分行”）对自身信息化发展战略和省级数据中心建设同样做出了重大调整,     

银行联网视频监控系统的功能与应用

随着ATM监控技术的发展．目前ATM监控系统基本实现了智能化、自动化,ATM的安全性得到了有效的提升。中国工商银行湖南省分行（以下简称为“湖南省工行”）通过对视频监控系统的联网,     

工行纽约分行开业

中国工商银行（以下简称“工行”）近日发布消息称,10月15日工行纽约分行正式开业。这是工行在美国设立的第一家分行,标志着工行的国际化经营战略取得重大突破。据了解,工行也是近年来首家在美国设立分行的中国国有银行。     

通用终端：一机支持多种业务

2007年11月，按照中国工商银行总行和吉林省分行的安排，中国工商银行吉林省延边州分行（以下简称“延边分行”）顺利完成了通用终端PC设备纳入AD域管理的安装工作。     

工行云南省分行聘请新闻单位为其“服务监督员”

“依法监督,善意监督,友好监督”,是工商银行云南省分行（以下简称“工行云南省分行”）与13家新闻单位就服务监督工作达成的共识。2010年1月,新华社、中国新闻社、金融时报、云南日报、云南电视台等13家中央、省级新闻单位的19名记者接受聘请成为工行云南省分行的“服务监督员”,     

Almanac of anticipations: The age of affluence—of anticipation—of anxiety—of automation—of discontinuity—of longing—of overkill—of space exploration

With this survey of developments in the futures field since 1945, I.F. Clarke completes his present series for Futures. He makes two major points: that forecasting techniques have become essential tools in the management of change; and that nuclear weapons and ecological problems have added a moral dimension to the study of the future. In the next issue of Futures he will start a new series on the range of future-thinking in the USA, from the expectations of the first settlers to the Star Wars programme.     

社会主义所有制形式的改革、完善与共产党执政能力的提高

在中国,所有制形式的调整、改革与完善,先进生产力的发展,党的执政能力建设,是社会主义建设过程中密切结合在一起的三个不同层面的发展关系.应在相互促进和共同提高中促进社会的和谐发展,保证社会主义现代化建设战略目标的顺利实现.     

基金公司经营融资融券业务的问题审视

融资融券业务正式运营已经开展,为证券市场带来了革命性的改革,作为证券市场的一大主体,基金公司面对融资融券也迎来了新的发展方向和挑战,本文从融资融券业务的运行机制入手,分析了基金公司融资融券的新契机,并对其即将面临的问题进行审视和剖析,进而提出策略建议.     

对基层人民银行科技工作的几点建议

银监会分设后,人民银行将专司货币政策、金融稳定、金融服务三大职能。作为人民银行的分支机构,基层人民银行的工作重心也将从金融监管调整到这三大职能上来。人民银行的科技部门,就要积极运用科技手段,为人民银行履行新的职能发挥“服务、支持、促进、发展”的作用。一、围绕三大职能搭建五大平台经过“六五打基础、七五作准备、八五大发展”几个阶段后,人民银行相继实现了核算电算化、清算网络化和办公信息化。特别是近一两年来,陆续开通了大额支付系统、信贷登记咨询系统、会计四集中系统、金融信息服务网站等系统,人民银行信息化水平又…     

Properties of time-series estimates of degree of leverage measures

Empirical studies suggest that time-series regression estimates of the degrees of operating and financial leverage have a tendency to produce measures less than one. According to ex ante theory, these measures should be greater than one for firms operating above the breakeven point. There have also been suggestions that the biases in these estimates may be attributable to an underlying increase in unit sales. This work presents evidence that these counter-intuitive measures are produced by changes in the firm's operating parameters (unit price, variable cost, fixed cost and interest payments). It further suggests that attempts to control for the underlying change in unit sales substantially increase the volatility of predicted estimates.     

浅议金融机构的举证责任

金融纠纷案件是当事人以存单或进账单、对账单、存款合同、保险单、票据、证券等凭证为主要证据向人民法院提出诉讼的案件,对于不同种类金融纠纷的当事人的举证责任,我国现行的金融法律、法规及司法解释有不同的规定。由于金融机构的特殊法律地位,发生金融纠纷时存在有关当事人将最后偿付风险转移给金融机构承担的主观故意,在客观上会使金融机构难以提供相应的证据来对抗不法债权人的诉讼请求,而导致金融机构败诉。为此,对金融诉讼案件中金融机构的举证责任加以研究具有重要的实践意义。     

Summary of Results of Survey of Seminar Attendees

Abstract

The Society of Actuaries undertook a three-phase research project on mortality improvement in the three NAFTA countries: Canada, Mexico, and the U.S. Phase 1 consisted of a literature review of papers on projecting mortality levels in the future and a study of the trend in mortality improvement during this century. Phase 2 consisted of a discussion of different facets of modeling mortality rates at a seminar attended by 79 experts (actuaries, demographers, economists, and medical researchers) representing different countries. The last session of the seminar consisted of the completion of a survey by the attendees to obtain input for Phase 3, which would analyze the impact of mortality improvement on the social security system of each country. This paper summarizes the results of the survey.

The survey results illustrate the difficulty in forecasting mortality levels, because the effects of many factors that could have significant impact on mortality rates are unknown. This suggests the need for dynamic forecasting, which allows for the possibility of random shocks. A majority of the survey respondents believe that stochastic forecasting models, despite their complexity, have significant potential to add value. Respondents also believe that both historical data and cause-specific mortality forecasts are useful as input and also in validating forecasts of the aggregate levels of mortality. The challenge is to develop more sophisticated forecasting models to produce results that are relatively easy to interpret and to communicate these results to the desired audiences, including the public and policymakers.

The survey results suggest that the aggregate effect of lifestyle changes, medical advances, diseases, catastrophe, and physical environmental changes is an increase in life span. However, there is much uncertainty about the future. Respondents expect that beyond the year 2020 the mean annual rate of reduction in mortality for males age 65 and over will average about 0.58% for Canada, 0.76% for Mexico, and 0.67% for the U.S. The results for the female age 65 and over population are 0.64%, 0.83%, and 0.70%, respectively. The age 65 and over population is expected to see larger percentage reductions in mortality than the 0–14 and 15–64 populations. The reductions in male and female mortality will be ultimately the same, and the mortality levels in the three countries will ultimately converge, although differences may persist for decades.     

The Usefulness of Measures of Consistency of Discretionary Components of Accruals in the Detection of Earnings Management

Abstract:  Prior research has shown the prevalence of measurement error in models used to estimate aggregate discretionary accruals. In these models, the incremental information content of the various components of accruals is ignored. Limited prior research and data gathered from firms under Securities and Exchange Commission (SEC) litigation indicate that managers use either one or more than one component of accruals simultaneously, in a consistent way to manipulate bottom-line earnings in a given direction. I propose two measures that capture the consistency between the discretionary components of accruals and test their significance in earnings management (EM) detection in firms that have artificially added accrual manipulation and firms that were targeted by the SEC for accrual manipulation. There is evidence that this information is incrementally useful in detecting EM. This finding paves the way for improvements in the discretionary accruals measure by including consistency information from the components of aggregate accruals.     

Separation of Unit of Account from Medium of Exchange

The separation of a unit of account (UoA) from a medium of exchange (MoE) in the commodity–money system is investigated by considering explicitly a seller's choice of UoA in terms of either an MoE or a unit of metal weight. If the likelihood of debasement of an MoE and its rate are high enough, the price is posted in terms of a unit of metal weight rather than an MoE. Interestingly, this MoE–UoA separated equilibrium yields the flexible nominal price, whereas an MoE–UoA integrated equilibrium yields the sticky one. This implies the nominal price rigidity in the fiat‐money system where MoE and UoA are integrated.