“网银”对我国商业银行发展的作用

"网银"是电子银行业务的重要代表,它是商业银行为适应互联网时代客户不断提高的要求而产生的新型金融服务方式。发展网银已经成为商业银行应对金融全球化扩展的必要手段,本文客观分析网银在我国银行业发展中的重要作用。     

品牌营销策略下的烟草服务品牌培育研究

本文首先对烟草品牌营销的理念进行了解读,然后阐述了烟草服务品牌是烟草品牌营销载体的理念,最后阐述了烟草工业企业和烟草商业企业的服务品牌培育对策。这些思路、理念和措施对同行业及相关产业的发展也具有重要的参考价值。     

The impact of the Gramm-Leach-Bliley act on the financial services industry

This paper examines the impact of Gramm-Leach-Bliley Act across three main sectors of the financial services industry: commercial banks, insurance companies, and brokerage firms, taking account of the wealth effect associated with the announcement. We find that the law has a differential impact across the financial services industry. All three industries have gained due to this law with commercial banks benefiting most, followed by the insurance industry. Further, the results show that larger firms benefited more in both the banking and insurance industries and exposure to systematic risk was reduced for all sectors of the financial services industry after this regulation passed.     

金融行业间的资产风险外溢影响

银行业、保险业和证券业因投资业务而构建起联系，并基于金融资产价格而具有了传染渠道。随着投资活动愈发频繁，金融行业中各行业内部的资产风险可能外溢至其他行业。本文首先从理论上分析金融行业资产风险通过投资资产外溢的过程，通过搭建资产抛售模型模拟资产风险的传染机制，从机构层面和行业层面分析资产风险的生成与传递。其次，基于金融机构实际数据的模拟分析结果显示，四大国有商业银行和中国平安具有外溢风险的能力，首先影响银行和保险公司，随后再扩散到整个金融行业，而证券业则相对较为独立。银行业的外溢影响最大，其次是保险业和证券业。但事实上很难发生足以对外部造成显著影响的损失事件。资产、投资比例、杠杆和监管要求水平在资产风险外溢的过程中具有一定的影响。     

Business strategy,human resource systems,and organizational performance in the Spanish banking industry

Although human resource (HR) systems in the form of bundles of HR practices and their impact on organizational performance have attracted considerable attention, the role that business strategy could play in this relationship remains uncertain, particularly in service industries. In order to avoid any confounding effects, this study analyzes the performance impact of adopting different HR systems in an empirical setting in which employees are vital if the company is to remain competitive, the firms belong to the same industry and the primary activities involved are the delivery of services to customers. Based on survey data from 86 banking institutions in Spain, three HR systems were identified, two of which rendered better organizational performance when matched to defender strategies, thus supporting a contingency explanation of the adoption of HR systems. Findings showed that even in an industry under strong universalistic pressures to adopt certain predictable HR practices, matching HR systems with a business strategy pays off.     

我国生产性服务业与制造业关系的区域差异研究 ——基于两部门模型

基于两部门模型,分析工业化不同阶段生产性服务业与制造业发展关系的演变,并对影响我国生产性服务业与制造业发展的因素进行分区域分析,结果表明:我国生产性服务业和制造业的发展关系在不同区域存在显著差异,东部地区的制造业与生产性服务业呈现互动发展关系;中部地区的制造业与生产性服务业的产业关联性较弱,尚未形成互动发展的格局;西部地区的制造业不发达,生产性服务业发展缓慢,两者之间的产业关联效应最低。因此,各区域应根据所处的发展阶段和实际情况采取不同的发展策略:东部地区应充分发挥市场作用,明确政府职能,促进制造业和生产性服务业的融合发展;中部地区应加快制造业的转型升级,优化服务业结构,推进制造业与生产性服务业的互动发展;西部地区应跨越重工业化阶段,着力发展轻工业、生态农业和服务业,建设具有西部特色的以中小城市为主、大城市为辅的城市体系。     

商业银行发展碳金融业务的对策研究

当前,碳金融业务在国外银行业中的发展已日趋成熟,而在我国银行业中的发展却相对滞后。在研究国外银行业碳金融业务现状的基础上,运用SWOT法分析商业银行发展碳金融业务的优劣势、机会和威胁,并得出相关对策:一方面充分发挥优势;另一方面应加强政府扶持、健全碳交易市场,拓宽业务领域,防范业务风险,注重人才培养。     

基于实证分析的JY市邮储银行客户满意提升策略研究

随着全球经济一体化进程的加快,银行业竞争日趋激烈,客户已成商业银行的战略性资源,客户满意度目前已成为影响商业银行竞争力的关键因素。基于实证研究,对JY市邮储银行的客户满意度进行测量与分析,并从服务理念、特色与定位、产品与服务创新等方面提出了JY市邮储银行客户满意的提升策略。     

辽中南城市群中心城市服务业一体化发展的可行性分析

本研究以辽中南城市群为案例,基于中心城市服务业的产值结构和就业结构现状,分析了中心城市服务业发展的特征和存在的问题,利用定量指标测度目前中心城市服务业发展的比较优势和一体化发展的基础。研究认为,尽管目前辽中南城市群以工业为主的第二产业仍占主导,但服务业发展迅速;从服务业内部结构看,服务事业发展水平相对较高,服务产业整体相对落后于京津冀等区域;基于区位商和城市间服务业联系强度测度的结果显示,辽中南城市群中心城市服务业发展已出现差异化趋势,城市群内部服务业不均衡问题较为突出,单极化特征明显。根据以上分析,提出推进该区域服务业一体化的政策措施。     

Leader‐member exchangeand job satisfacton: Cross‐industry comparisons and predicted employee turnover

The present research analyzes quality of leader‐member exchange (LMX) and job satisfaction and predicts employee turnover rates in the food manufacturing, restaurant, and banking industries resulting from low‐quality LMX and job dissatisfaction. It confirms the reliability and construct validity of the well‐known LMX scale and Minnesota Job Satisfaction Questionnaire (MSQ) in cross‐industry comparisons. It also identifies the shape of the hypothesized relationships among the three industries. Comparisons indicate that in the service sector, quality of LMX is significantly higher than in manufacturing, that the level of job satisfaction is higher in manufacturing than in service, and that satisfaction with supervision has a significant impact on job satisfaction.     

中国现代金融体系的结构、影响及前景

在经济快速增长的背景下,中国已逐步形成一个以中央银行为核心、商业银行为主体,各种银行和非银行金融机构分工协作的现代国家金融体系。运用计量分析方法和典型相关分析,研究中国现代金融体系的社会融资结构、证券市场结构以及影子银行结构,测度国家现代金融体系对实体经济各行业的影响程度。研究表明:金融机构贷款与债券市场对相关行业的促进具有一定协同作用,股票市场对第一、二产业的发展影响较小,金融业对第三产业的促进作用最大。根据目前金融体系的结构、影响,可以预见未来中国现代金融体系的发展前景将主要体现在市场化、网络化以及国际化三个方面。     

The distribution of changes in manufacturing employment and the impact of the minimum wage

That employment for workers in durable goods industries is more sensitive to the pace of economic activity than for non-durable goods employees is not a surprising result. What is noteworthy about the conclusions of this study, however, is the manner in which increases in the minimum wage have altered the distribution of employment and sensitivity to short-run changes in employment of production workers in manufacturing industries. By focusing on the distribution of employment and how that distribution changes over the cycle, estimates of some aspects of the impact of the minimum wage that have not previously been analyzed have been developed.The evidence indicates that increases in the minimum wage over the period 1947–1975 have had a significant impact on employment patterns. Minimum wage legislation has had the effect of decreasing the share of projected employment and increasing vulnerability to cyclical changes in employment for the group of workers most ‘marginal’ to the work force low-wage industry employees. Hence, as a result of increased minimum wages, low-wage industry employees are able to obtain fewer jobs during periods of normal employment growth and their jobs are less secure in the face of short-run employment variations.Minimum wage legislation has undoubtedly resulted in higher wages for some of the relatively-low-productivity workers who were able to obtain employment than these workers would have received in its absence. The cost in terms of lost employment opportunities and cyclical vulnerability of jobs, however, has apparently been borne most heavily by low-wage industry employees. The primary beneficiaries of the shifts in the pattern of employment shares occasioned by minimum wage increases were high-wage industry workers, particularly in the ordnance, food, tobacco, and petroleum industries.     

Product waste in the automotive industry: Technology and environmental management

In this article the changes in technology and industry structure forced by waste management in the automotive industry are explored. The analysis is based on (1) a characterisation of corporate response to environmental issues, and (2) the management of technology applied to the car manufacturing industry. It is argued that a more elaborate view of company reactions to governmental regulation of environmental issues has developed in recent years. Companies respond with pro-active strategies. Because of this active attitude environmental concerns influence other aspects of company policy, such as the management of technology. New strategies emerge which are not only a response to environmental problems, but might also influence the industrial structure for the future. The analysis is not only relevant for the automotive industry, but for other manufacturing industries as well. Government action puts waste management issues on the agenda of an increasing number of manufacturing firms that have to develop solutions for these in close cooperation with their suppliers and customers.     

A Quality Information Benchmarking Methodology: A US Banking Industry Empirical Study

Information is itself a product that customers and staff in any organization consume. Like any product the quality of information can be measured and compared in most industries. This paper presents an application of an information quality measuring methodology adapted and applied for the first time in the US banking industry. An empirical study is used to attest to the informational efficacy of the methodology. Results of the study reveal that the proposed methodology can be used to identify quality differences between differing banking institutions and differing dimensions of information quality as well as a quality benchmarking procedure.     

Accounting for financial instruments in the banking industry: conclusions from a simulation model

The paper analyses the effects of three sets of accounting rules for financial instruments – Old IAS before IAS 39 became effective, Current IAS or US GAAP, and the Full Fair Value (FFV) model proposed by the Joint Working Group (JWG) – on the financial statements of banks. We develop a simulation model that captures the essential characteristics of a modern universal bank with investment banking and commercial banking activities. We run simulations for different strategies (fully hedged, partially hedged) using historical data from periods with rising and falling interest rates.

We show that under Old IAS a fully hedged bank can portray its zero economic earnings in its financial statements. As Old IAS offer much discretion, this bank may also present income that is either positive or negative. We further show that because of the restrictive hedge accounting rules, banks cannot adequately portray their best-practice risk management activities under Current IAS or US GAAP. We demonstrate that – contrary to assertions from the banking industry – mandatory FFV accounting adequately reflects the economics of banking activities.

Our detailed analysis identifies, in addition, several critical issues of the accounting models that have not been covered in previous literature.     

环渤海中心城市服务业的结构及特征

以环渤海区域地级及以上城市为主要考察对象,以从业人员为主要指标,分析了该区域中心城市服务业发展现状、内部结构差异及服务业发展的空间分异特征。研究认为,近年来环渤海区域服务业发展迅速,服务业布局呈现梯度化空间分布特征;服务产业,尤其是消费性服务集中于行政级别较高的中心城市。研究还发现,环渤海区域服务业存在城市之间服务产业发展不平衡、部分区位条件优越的城市服务业发展滞后以及山东半岛和辽东半岛部分中心城市服务职能有待强化等问题。在此基础上,提出了根据服务业内部各行业特点和城市的发展条件、遵循区别对待原则确定具体服务行业的发展重点和优先顺序等对策措施。     

我国物流业发展与商业银行金融服务研究

本文通过对我国物流业现状的研究,发现我国物流业的发展还存在一些亟待解决的问题,制约了物流业的健康发展.作者试图在遵循物流业发展规律的基础上,找到商业银行可以为物流业的发展提供金融服务切合点,详尽阐述商业银行在与物流业合作过程中能够提供的金融产品和服务,最终实现商业银行与物流企业的双赢.     

Strategic interactions in DRAM and RISC technology: A network approach

Interorganizational cooperation in some high-tech industries is no longer confined to two-company alliances, but entails industry-wide alliance networks. This article examines how industry analysis and network analysis can be combined to provide a thorough understanding of how network positions, and the overall network structure, may play a part in cooperative strategies. Industry analysis can indicate which properties of the network structure and network positions are congruent with the firms' cooperative strategies, but tells us little about how these network characteristics can be measured. Network analysis provides such measures, which can then be used as feedback in the industry analysis. The article illustrates this approach by comparing the alliance networks associated with the DRAM and RISC microprocessor technologies.     

我国金融控股银行与非金融控股银行经营绩效比较研究

在受金融自由化改革和金融创新的推动下,混业经营在金融一体化下成为一种趋势。我国商业银行通过组建金融控股公司,已广泛开展保险、信托、证券、基金等业务间合作。本文以我国主要商业银行2005年至2007年的业绩表现为研究对象,对其进行了研究,结果表明:我国金融控股公司背景银行的经营绩效好于非金融控股公司背景银行,金控银行的手续费及佣金收入对绩效有更高的贡献率,我国应鼓励商业银行向金融控股公司转型,实现金控模式的规范发展。     

The evolution of supply chain relationships: An interpretative framework based on the Italian inter-industry experience

This paper adopts an inter-industry analysis approach to compare the supply chain evolution of the railway and aircraft manufacturing industries, highlighting the fact that these industries are going through a period of enormous change involving the production system as a whole. In particular, the paper identifies the supply relationship evolution in both industries and analyses the vertical relationships, thus showing how the circulation of information and technology is a crucial factor for supply chain efficiency. These elements are addressed so that an interpretative framework may be developed to broaden understanding of the industry-specific factors that affect firms’ competitive strategies. The paper synthesises the results of a research program focused on the supply systems of the main Italian companies in the aircraft industry (Alenia Aeronautica) and in the railway industry (AnsaldoBreda).