关于加强我国商业银行操作风险计量的思考

新巴塞尔资本协议进一步强调了操作性风险的重要性。相对于信用风险和市场风险,商业银行操作性风险计量是一个较为崭新的课题。鉴于此,本文围绕操作风险计量这一主题,分析、比较了各种计量方法,并深入探讨了它们在我国的适用性,以期为我国银行在防范操作风险时提供有益的借鉴。     

外资银行进入对内资银行绩效影响的文献回顾及实证研究

外资银行进入对内资银行的绩效究竟将会产生怎样的影响?本文通过实证研究的分析方法,阐述了外资银行进入新兴市场经济国家,对东道国内资银行业的绩效影响。得出长期比短期更具有积极影响的结论,并进一步阐述了外资银行进入对我国银行业的影响及实证研究结论对我们的启示。     

金融控股公司背景银行的经营绩效研究

金融控股公司是商业银行混业经营的一种有效组织模式。当前各种尚不规范的金融控股公司已成为我国金融业新的组成部分。利用随机边界生产模型比较分析我国金融控股公司背景银行与非金融控股公司背景银行的总要素生产力(TFP),并根据银行盈利能力的评价原则探讨其盈利能力差异的结果表明:近年来,我国银行业总要素生产力的增长率小幅下降,其中,金融控股公司背景银行的TFP增长率呈上升趋势,而非金融控股公司背景银行的TFP大多为负增长;金融控股公司背景银行的盈利能力也明显优于非金融控股公司背景的银行。     

我国政策性银行的运行障碍及对策思考

从1994年我国政策性银行体系建立至今六、七年的运行情况分析,其运作效果并没有得到充分发挥.从我国政策性银行体系所面临的运行障碍入手,侧重分析了形成我国政策性银行运行障碍的原因,并在此基础上进一步探讨完善我国政策性银行的策略.     

国有商业银行改革过程中的经营效率评价

效率是衡量银行资源配置和经营成效的重要指标,效率分析可以从定量的角度评价我国国有商业银行在改革过程中的经营水平和改革成效.本文采用非参数分析的数据包络分析方法DEA,使用C2R模型对我国国有商业银行进行了两组DEA分析.分析结果显示,我国国有商业银行改革有一定的成效,但阶段性非常明显,突出表现在1994-1997年和2003-2004年.改革过程中的银行经营效率与政府的政策推动和扶持有相当紧密的关系.     

我国上市商业银行经营绩效研究评价

在金融体制的不断改革与完善的背景下,我国很多商业银行都加大了上市的规模和上市的速度,截至目前我国已经有26家商业银行上市。最近几年来,我国宏观经济稳健发展、经济进入"新常态",经济增长速度变缓给银行业的经营发展带来了一定的压力。本文根据和运用因子分析方法,系统地研究了上市商业银行经营情况,结果显示:发展和盈利因子的方差贡献率分别为26.1%、24.2%,对最终排名起到决定性作用,安全和流动性因子也对综合排名产生显著影响。所以提高商业银行经营绩效必须从改善这四个方面入手。     

Measuring the Performance of New Service Development Activities

The aim of this research was to investigate how service firms evaluate their new service development (NSD) activities. A survey of marketing managers in UK service firms was used to elicit information on two subject areas. First, the firm's approach to NSD, its strategy, and the scope of its activity in this area. Second, the firm's approach to measuring performance at both the project and the programme level. It was found that although new services are an important source of revenue for most, firms are still not satisfied with their ability to develop new services. On the whole, service firms employ a limited number of measures of performance, and often these do not reflect the reasons behind development. Significantly, financial measures of performance are most often used by less innovative firms, fast followers employ customer-based measures of performance, and truly innovative firms measure performance along a number of softer internal dimensions. The management implications of these findings are discussed.     

Measuring Customer Relationship Management Performance

Abstract

The concept of CRM has evolved into an inherent component of the sales processes of most medium-sized and large companies. However, despite the high costs involved, the quality of its implementation has hitherto been neglected. To provide the conceptual qualitative CRM control that is lacking, we have developed a measuring instrument that allows the evaluation of the activities in the three core CRM domains, namely interaction, insight and offer. We pilot-tested the tool in an automotive industry setting and the results reflect the CRM status quo achieved by twelve national and foreign brands.     

商业银行国有股权绩效探析

对“国有股权是否需要退出商业银行”问题的回答,将直接影响到国有商业银行的命运、前途与未来,影响到政府对国有商业银行的战略决策,甚至影响到一国(地区)社会经济的发展和稳定。因此,这是一个需要谨慎对待的难题。本文从商业银行国有股权宏观绩效和微观绩效指标的界定入手,通过对海外商业银行国有股权边界变迁价值的数据分析,认为商业银行国有股权边界缩减对银行金融绩效的提升有一定的正效应。     

我国商业银行绩效评价新思路

<正>商业银行绩效评价是商业银行战略管理的重要组成部分,选定合适的绩效评价指标并合理地确定指标权重是构建商业银行绩效评价体系的首要问题。目前,商业银行绩效评价主要方法是平衡记分卡,由于平衡记分卡中     

Internationalization Strategies Underlying the Performance of Foreign Banks in Latin American Markets

In this article, we evaluate the internationalization strategies underlying the performance of foreign banks in Latin American countries. Based on a multiple case study, we investigated the organizational paths in the study countries, the market segments served and performance. Our results show that it is possible to consider both economic and behavioral perspectives in this kind of analysis in order to map the entry modes and features of large banks in the study countries. We observed that some banks may have similar strategies in local markets, with particular emphasis on local adaptation, while others seem to promote the development of previous corporate characteristics.     

The Development of a Scale Measuring Consumers' Selection of Retail Banks in Ghana

The current research attempts to investigate the use of the two sources of dealers' soft channel power (i.e., expert power and referent power) as a means of achieving three desirable channel relationship outcomes in Zimbabwe's channel of distribution system. The field study is conducted in Harare and Chitungwiza, and research data are collected from 447 small and medium-size enterprise (SME) manufacturers. Dealers' expert power and referent power are found to be important sources of channel power that positively influence SME manufacturers' trust, relationship commitment, and relationship satisfaction. It is concluded that managers in dealers' firms can improve their channel relationships with SME manfacturers if they acquire or enhance their expert power and referent power.     

基于RAROC技术的商业银行绩效审计研究

随着金融环境快速变化以及金融业务不断创新,当前商业银行审计工作已跟不上现实需要,推进绩效审计是商业银行审计适应变化的现实选择。本文论述了以风险调整技术(RAROC)为基础的金融绩效评估方法,并将这一技术引入到商业银行绩效审计,构建了基于风险调整技术的商业银行绩效审计评价分析框架。本文最后提出了运用RAROC技术对商业银行进行全面风险管理审计、资本配置效率审计以及经营绩效审计的解决思路。     

Measuring Purchasing Groups Performance in the Health Care sector

For many decades, governments in Western countries have attempted to control health costs. One of the strategies used is through purchasing groups, since consolidated needs generate additional savings. Although various aspects of purchasing groups have been studied, performance measurement has been neglected; due to the lack of proper measures, tensions between the purchasing group and its members can't be addressed with more objective information. However, appropriate performance indicators are considered a prerequisite to successful collaboration. Using the in‐depth case of a Canadian purchasing group in the health care sector, this article suggests a set of performance indicators to measure results considering dimensions of the purchasing process and the interactions between the purchasing group and its members (who are also its customers). © 2018 ASAC. Published by John Wiley & Sons, Ltd.     

矢量网络分析仪的时间门功能在吸波材料性能测试中的应用

在利用低频同轴反射法(LCR)进行材料吸波性能的测试过程中，经常会使用矢量网络分析仪的GATE功能来滤除干扰因素对测试结果的影响。本文通过对测试原理的阐述和不同吸波材料的测试结果的分析，说明了如何合理地设置矢量网络分析仪的GATE以及测试过程中应该注意的问题。     

经济资本在我国商业银行绩效评估中的应用

以资本为基础的现代商业银行绩效评估体系,有效地促进了商业银行经营理念和增长方式的转变.目前,中国商业银行基于监管资本的绩效评估,能够很好地达到监管要求,但风险衡量的敏感度差,不利于银行价值的实现.如果将经济资本引入银行绩效评估,可以使银行对风险的把握更加精准.同时,将RAROC作为银行绩效评价指标,会使银行资本和资产运用更充分,从而真正实现银行价值最大化.     

经济多元化对澳门地区商业银行风险及绩效的影响

随着“一带一路”倡议的实施和粤港澳大湾区的建设,澳门经济多元化发展迎来了新的机遇。本文利用2012—2018年的澳门宏观经济数据和银行层面数据,探讨了经济多元化对银行破产风险及经营绩效的影响。结果表明,在现阶段随着澳门经济多元化水平的提升,澳门商业银行破产风险也随之上升,并且经济多元化也导致了澳门商业银行的经营绩效下滑。基于研究结论,我们为澳门经济多元化背景下的银行管理和政策制定提出了几点建议,以资参考。     

银行信贷管理中的绩效测量与信息激励研究

在高度的绩效导向下,银行信贷管理部门的绩效测量机制侧重于评价员工短期的财务绩效,而忽视了员工信息工作对银行长期价值所做的贡献。实际上,银行用信贷业绩评价代替了对员工信息工作成效的评价。本文以银行的信贷管理为研究对象,将银行的信息工作区分为信息工作质量和信息工作数量两个维度,深入分析了绩效测量与信息激励之间的关系,建立了对信息工作进行激励和绩效测量的描述性模型。本文研究将有助于银行构建符合自身特点的绩效测量机制,以有效实施对员工的信息激励,这对提升银行信息能力、强化风险管理有着一定的现实意义。     

我国银行海外并购绩效及其影响因素的实证分析

本文综合运用事件研究法和会计指标法,对我国银行业海外并购的绩效及其影响因素进行实证研究,结果发现:我国银行海外并购事件不存在财富效应,但存在一定的股价波动效应;大部分并购案的中长期综合绩效有所提高,并呈现一定的递增趋势;若目标银行规模较小、绩效较好,并购行在并购前比其他同业更有效率,则并购更易于产生财富效应,更易于提升经营绩效;支付方式和并购交易地理集中度对并购绩效的影响不存在确定的趋势.