银行IC卡发展与应用研究

一、银行IC 卡发展应用取得初步成效 近几年,随着我国金卡工程的稳步推进和IC 技术的进步,我国银行IC 卡发展应用已初见成效. (一)银行IC 卡标准化工作稳步推进 1997 年,人民银行组织制定了<中国金融集成电路(IC)卡规范>(1.0版)(简称PBOC)行业标准.2005年3月,补充修订了<中国金融集成电路(IC)卡规范>(2.0版).     

全国金融IC卡应用的密钥管理

作者根据中国人民银行制定的《中国金融集成电路(IC)卡规范》探讨金融 IC 卡的密钥技术和管理方法。     

新政出台

央行颁布《中国金融集成电路（IC）卡规范》 5月19日,为适应我国社会安全支付的需要,推动金融IC卡的健康发展,中国人民银行颁布了《中国金融集成电路（IC）卡规范》（2010年版）。《规范》立足中国金融IC卡发展现状,汲取国际先进IC卡技术,总结国内金融IC卡应用试点经验,修订了我国金融IC卡应用的行业标准,具有较强的自主创新性,体现了我国金融标准化建设的最新进展,为我国金融IC卡产业的健康发展奠定了坚实的基础。     

深圳金融IC芯片卡发行60万张

深圳金融IC芯片卡发行60万张今年3月，央行发布推进磁条卡向金融IC卡升级时间表，IC芯片卡的发行速度也在加快。昨日，中国人民银行深圳市中心支行有关人士透露，深圳作为最早启动金融IC芯片卡试点城市，到今年5月底，深圳银行业已发行金融IC芯片卡60万张。     

国内金融IC卡加速发展 诸多难题仍有待解决

我国金融芯片（IC）卡的发展又向前迈出坚实一步。近日,中国人民银行正式发布《中国金融集成电路（IC）卡规范（V3．0）》（以下简称《金融IC卡规范3．0》）。此次金融IC卡规范版本的升级,适应了银行卡业务发展的新要求,为金融IC卡进一步扩大应用奠定了基础,对推进金融创新和提升金融服务民生的水平有重要意义。     

CPU卡简介

CPO卡综述 CPU卡芯片通俗地讲就是指芯片内含有一个微处理器,它的功能相当于一台微型计算机。人们经常使用的集成电路卡（IC卡）上的金属片就是CPU卡芯片。CPU卡可适用于金融、保险、交警、政府行业等多个领域,具有用户空间大、读取速度快、支持一卡多用等特点,并已经通过中国人民银行和国家商秘委的认证。     

建设银行金融IC卡的应用

中国人民银行《中国金融集成电路（IC）卡规范》的制定标志着我国金融IC卡的开发与应用进入了一个新阶段，IC卡技术必将在我国金融业获得广泛的应用，给我国的金融支付带来又一次技术革命。2000年6月，建设银行开发完成了“金融IC卡通用平台系统”，并与清华大学联合履行了“清华校园IC龙卡”，取得了较好的效果，如何利用“金融IC卡通用平台系统”，开发更多的应用领域，占领更多的市场份额，成为我们当前工作的重点。     

金融IC卡的特点及发展趋势

中国人民银行日前颁布了<中国金融集成电路(IC)卡规范>,标志着我国金融IC卡标准化工作迈上了一个新台阶,有利于提升我国银行卡产业技术升级,满足新形势下百姓对消费支付的安全、便捷的需要,有利于促进金融IC卡应用与国际接轨以及和行业应用的结合,为加快推进我国金融IC卡应用普及和产业发展提供了政策指导和发展机遇.     

资讯

《中国金融集成电路(IC)卡规范》通过审查(本刊讯)1月26日,全国金融标准化技术委员会在京组织召开了《中国金融集成电路(IC)卡规范》行业标准审查会。审查组听取了标准工作组对编制过程的说明及征求意见处理情况的介绍,对该标准送审稿进行了认真审查,一致认为:1.该标准适应并满     

中小城市推广金融IC卡的问题及对策

金融IC卡是由商业银行(信用社)或支付机构发行的,采用集成电路技术,遵循国家金融行业标准,具有消费信用、转账结算现金存取全部或部分金融功能,可以具有其他商业服务和社会管理功能的金融工具。金融IC卡又称芯片银行卡,是以芯片作为介质的银行卡。芯片卡容量     

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.     

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…     

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.     

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.     

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。     

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.     

银行软件项目外包管理分析

一、引言随着国民经济的不断发展,银行业务与外部企业的联系越来越密切。银行正逐步成为现代经济活动的中心,作为数据处理核心的银行业务应用也越来越大型化、越来越复杂化,因此许多银行也把软件项目逐步由原来的自主开发转变为与公司合作的方式,或直接外包开发的方式,银行本身的技术人员也逐步由开发转向项目管理。二、项目外包的分类银行项目的外包有以下几种情况:①部分子系统外包,有时由于银行的软件项目太大,单靠银行自身的开发力量基本无法在预定的时间内完成项目,只好把相对独立的部分外包;②直接购买软件公司的成熟产品,有些金融软…