招商银行电子化建设的发展思路

一、银行电子化竞争演变发展趋势 　　随着知识经济的到来和银行电子化建设的发展,现代信息技术不再只是银行开展业务的一种辅助工具。银行电子化水平已经成为银行竞争力的重要标志,成为银行市场运作、金融创新、客户服务、量化管理的技术基础。从 20世纪 90年代开始,银行电子化就已经直接参与到银行业的市场竞争中。在我国加入 WTO后,银行业的竞争将进一步体现为银行电子化水平的竞争。银行电子化竞争的演变发展趋势可以归纳为四个阶段。 　　1．电子网络化阶段 　　国内银行的电子网络化建设大多经历了一个从局域网到广域网的过程。…     

中国银行业发展电子商务的形式、风险及其管理对策

我国银行业电子商务是在全球网络经济和电子商务快速发展的大背景下诞生的.银行业电子商务被作为创建优势银行业务品牌来经营,以占领银行竞争制高点.     

电子银行我国银行业发展的战略性选择

国外银行电子化发展状况。20世纪科学技术的发展和应用，特别是以1946年第一台电子计算机诞生为标志的电子革命对银行业产生了革命性的影响。从50年代后期美国商业银行首先利用电子计算机处理银行业务开始，电子化与现代银行就结下了不解之缘，一场伴随着电子化技术的突破而不断展开的金融革命正在不断深入。金融电子化浪潮不仅冲击着美国的传统银行业，也冲击着世界的传统银行业。正是这场革命，为今天银行业走向网络化时代奠定了坚实的基础。回顾银行业电子化历程，从第一台电子计算机的运用到今天网上银行的诞生，银行业的电子化经历了五个阶段：脱机批处理阶段；银行自身联网阶段；跨行、跨洲及全球性网络系统阶段：银行网络走向街道、商店和家庭的金融自助化阶段：网上银行阶段，即银行电子化发展的最新发展阶段。     

福兮祸兮?日本银行业的"战国时代"

最近10年来,国际金融界合并司空见惯,仿佛进入"战国时代",银行业购并狼烟四起.日本银行业也不例外,从某种程度上讲,日本的金融史就是一部银行业的合并史.明治维新后,日本政府采取金融超前发展战略,支持、鼓励并积极推进银行业的集中与并购(这是与欧美国家不同的).当今日本许多著名的大银行,如第一劝业银行、三和银行和樱花银行等皆是若干银行合并的结果.在这些银行的合并中,既有在政府的撮合下,由一家较强的银行挽救一家危机的银行的"包办婚姻",如1996年日本住友银行收购了大和银行在美国的附属机构,并买下了在大和银行在美国的大部分贷款资产,两家银行在1996年10月已经合并,成为世界上最大的银行之一;也有"两厢情悦"式的"自由恋爱",如东京与三菱银行的合并,由于三菱银行擅长于日本本土和零售业务,而东京银行作为外汇专业银行,其国际业务和批发业务发达,因此可相得益彰,在国内外开展更全面的银行服务.其用心皆在于全面发展综合性的国际大银行,逐鹿国际金融市场.     

"银行大集中启示录"系列报道之三大集中——银行与IT的理性互动

作为银行信息化建设的一个大跨度的阶段性目标,数据大集中工程并非只给IT业界带来令人兴奋的无限商机,而且还提出许多新的课题--IT业界谁能读懂银行大集中的策略?谁能与银行建立战略合作伙伴关系?谁才有资格来分获银行数据大集中工程这块"蛋糕".眼下,对于入世后的中国银行业,可谓是"山雨欲来风满楼",我们真诚地祝愿:在经济全球一体化的道路上,国内银行业、IT业一路走好.     

浅析银行电子商务发展策略

电子商务重点是构筑电子交易的平台,就是把传统的物流及金流数位化,而且还同时发展"资讯流".当前发达国家的电子商务,已经逐渐关系到各个不同的领域,但我国的电子商务始终停留在起步阶段.对于电子商务展现出来的良好前景,商业银行介入电子商务已成为当前及未来的发展方向.银行与电子商务在线交易业务是相辅相成的关系,一方面,电子商务会给银行带来更多的业务;另一方面,银行的参与是解决在线支付安全性的根本保证.     

德国"直销银行"发展状况的分析及启示

互联网的出现,为"直销银行"的发展创造了巨大空间.随着互联网技术和电子商务模式的日益成熟,原本在德国一直"默默无闻"的"直销银行"近几年异军突起,市场份额迅速扩大,受到了业界内外广泛关注.本文从分析德国"直销银行"的发展状况和特点入手,阐述"直销银行"在中国已经具备了比较充分的业务基础和技术条件,探讨了中国银行业在未来发展"直销银行"的可能性,为银行界进行业务拓展、区域扩张和寻求利润增长提供新的思路.     

从"客户满意"谈组织管理中的"员工满意"

近年来,日趋激烈的市场竞争使每个银行的管理者们都深刻地认识到客户满意的重要性,于是,各家银行都围绕着"客户满意"提出了"客户至上"、"客户永远是正确的"、"客户第一"、"客户就是上帝"等一系列服务思想,在行动上倡导文明优质服务,不断推出和包装新的服务品种,注重网点的硬件设施改造,等等.通过一系列措施的实施,银行业的整体服务水平有了较大程度的提高,"客户满意"的程度得到了有效的提升.让客户100%满意已成为众多银行取胜的法宝.     

对"银企共生"若干问题的思考

"银企共生"是指从建立银企之间的有效沟通机制人手,鼓励银企双方进行换位思考,从彼此相互了解中寻求双方利益的均衡点,最终达到相互促进、良性互动、共同生存、共同发展和共同繁荣的目标.这就明确指明了银行和企业的关系,是相互依存的关系,企业的发展,地方经济的发展,能为银行经营提供良好的经营环境,促进银行业的发展;银行经营不善,不良贷款大量沉淀,风险不断恶化,出现支付困难,会影响企业的资金周转,支付困难,最终将影响社会稳定,出现经济危机.所以,银行和企业应该互相合作、互相配合,共同为地方经济服务.银行、企业双方片面地强调一方,只能体现一方的利益,有可能达不到社会效益,如果实现"银企共生",笔者认为就是我们经常所讲的"双赢",即实现了企业(包括银行)的自身效益,又体现了社会效益.就此,笔者对"银企共生"问题的探讨,提些粗浅的见解.     

中国银行业国际化的路径分析

加入WTO后,我国金融业对外开放进一步加大,银行业的国际化经营已是必然趋势.党的"十六大"提出"走出去"的经济发展战略要求,我国银行业如何"走出去",即国内银行选择什么样的方式进入国外市场是我国银行在国际化进程中面临的重要课题.本文比较了新建投资与跨国购并两种境外扩张途径,并对我国银行业的国际化路径进行了分析.     

发展网上银行与银行风险控制

网上银行(Intermet Banking)是依托互联网的发展而兴起的一种新型银行服务模式.现有的网上银行町分为两大类：一类是完全虚拟的网上银行(A类)，如美国安全第一网上银行；另一类是在传统银行的基础上发展，将银行业务拓展到互联网上来完成(B类)。前者是未来网上银行的发展方向，后者是目前大多数网上银行所采取的模式?目前我国的网上银行属于B类。     

Unstable banking

We propose a theory of financial intermediaries operating in markets influenced by investor sentiment. In our model, banks make, securitize, distribute, and trade loans, or they hold cash. They also borrow money, using their security holdings as collateral. Banks maximize profits, and there are no conflicts of interest between bank shareholders and creditors. The theory predicts that bank credit and real investment will be volatile when market prices of loans are volatile, but it also points to the instability of banks, especially leveraged banks, participating in markets. Profit-maximizing behavior by banks creates systemic risk.     

How does banking sector globalization affect banking crisis?

A key feature of financial services liberalization is increasing banking-sector globalization.Using different measures to capture this phenomenon, the present study examines its impact on banking crisis for a dataset of 138 nations spanning the period 1998–2013, while controlling for other banking-industry specific, macroeconomic and external factors. Employing different econometric models and several robustness checks, I find greater banking sector globalization to reduce the occurrence of banking crisis. Moreover, greater bank asset concentration, diversification, credit flows, real interest rates, inflation rates, M2-to-foreign exchange reserves and nominal exchange rate depreciations significantly increase the likelihood of banking crisis, while higher bank profits, real GDP growth, economic development and economic freedom lower such chances. The results are further examined for nations across different levels of economic development and with different degrees of foreign bank penetration. The findings underscore that foreign bank presence provides greater financial stability in the banking industry of host nations.     

银行的客户关系管理

客户关系管理(CRM)是指银行如何发现最有价值的客户,并为他们提供最优质的服务.它所涉及的内容包括:销售文化、一对一市场、数据仓库、数据挖掘、客户划分、客户忠诚度分析和交叉销售等.     

Evergreening in banking

In the dynamic model of banking, a bank's option to hide its loan losses by rolling over non-performing loans is shown to worsen moral hazard. Contrary to the classic theory, moral hazard may arise even when a bank cannot seek a correlated risk for its loans. The loans seem to be performing and the bank makes a profit although it is de facto insolvent. When the bank's balance sheet includes hidden non-performing loans, the bank may optimally shrink lending or gamble for resurrection by growing aggressively. To eliminate this type of moral hazard, which is broadly consistent with evidence from emerging economies, a few regulatory implications are suggested.     

On merchant banking

The objective of this article is to lay the groundwork for a theory of merchant banking. One of the most significant business events in the last decade is the restructuring of American corporations. Modern merchant banks evolved in response to the new demand. They step in and provide their own capital (equity, bridge loans, and junk bonds) to resolve the magnified financing problem due to the large relative and absolute amount of debt involved. Merchant banks provide strong certification, minimize the costs of obtaining the bundle of services, and, most important, they transform and extend the transactions horizon.     

金融信息框架模型助银行转型

随需应变要求银行模型化 由于客户和外界环境的快速变化,银行业面临着更严酷的新挑战.对银行来说,灵活性是生存之本,速度是成败关键.成功的银行已经开始适应持续快速的变革,但同时,仍有很多银行陷于自身的问题而难以快速发展,比如传统的业务流程、不同IT应用系统的整合,以及参差不齐的分行服务水平.很多银行为重叠的流程和技术所累,IT分散管理使问题进一步恶化,通常表现为脱节的运营模式,无效的成本结构以及对产品、地理区域和业务线的重复.     

Taxation and international banking

The purpose of this paper is an examination of the relationship between taxation and the working of international banking arrangements. The main task is directed to the ways taxation determinations by national authorities affect the ways international banks go about their business. International coordination through the Organisation for Economic Co-operation and Development (OECD) is a major focus of the analysis. There is no general exposition of principles bearing upon international taxation. Rather, attention is directed to the determination of tax obligations in any one jurisdiction. Thus, there is a close scrutiny of the mechanics of taxation in the international setting bringing out the uncertainties and the imponderables in any application. Much attention is given to structural arrangement in international banking as well as capital arrangements in any one jurisdiction and how this applies to and affects the banking group as a whole. The result is to bring out the complexity of the agenda for tax applications on a common basis across internationally operating groups. Most jurisdictions recognise that they cannot await common agreements because new instruments and arrangements emerge at very frequent intervals and their tax implications have to be addressed. There has to be relief from uncertainty if markets are to develop effectively. Thus, there is in an importance sense of partnership between tax authorities and market participants in many countries. International deliberations have taken too long.     

Geographic diversification in banking

In the aftermath of the 2007–2009 crisis, banks claiming positive diversification benefits are being met with skepticism. Nevertheless, diversification might be important and sizable for some large internationally active banking groups. We use a universally applicable correlation matrix approach to calculate international diversification effects, in which bank subsidiaries are treated as individual assets of the banking group portfolio. We apply the framework to 49 of the world's largest banking groups with significant foreign business units over the 1992–2009 period. Focusing on the most important risk in banking, credit risk, we find that allowing for geographical diversification could reduce banks’ credit risk by 1.1% on average, with risk reduction ranging from negligible up to 8%.     

中国网络银行的现状、问题及前景

一、现状 1.概念 网络银行(Internet Banking/Online Banking),又称为网上银行或在线银行,是指金融机构利用网络技术在Internet上开展银行业务,网络银行是一种全新的客户服务提交渠道,客户可以不受上网方式和时空的限制,只要能够上网,就可以安全便捷地管理自己的资产,享受银行的服务.