某市影子银行经营模式及风险分析

一、某市影子银行发展现状与经营模式(一)某市影子银行发展现状影子银行是指一切不通过银行渠道进行的信贷活动。既包括游离于金融体系之外的民间融资,也包括银行系统内部不受监管的证券化活动,如银信合作、小额信贷公司等。与我国影子银行近年来上升发展的趋势相似,某市影子银行的发展情况良好。以小额信贷公司为例,自2011年以来,某市小额信贷公司的数量、从业人员激增,贷款余额逐年上升,某市小额信贷公司的规模     

阳光银行小额信贷模式:基于外部性理论的分析

本文以阳光银行为例,从经济学角度探讨了小额信贷外部性影响的解决途径。阳光银行对发展中国家小额信贷发展具有极强的示范效应：小额信贷机构只要设计有效降低贷款成本和控制小额信贷风险的机制,诱导更多借款人进入小额信贷市场,最终就可以实现小额信贷市场私人成本与社会成本的一致,提供社会理想状态下的小额信贷供给。     

印度小额信贷监管制度变迁对我国的启示

印度是国际上小额信贷产业发展较为迅速的国家之一。本文简述了印度小额信贷监管的基本框架以及最新的变化趋势。同时,本文结合我国实际,提出了相关政策建议。     

印度小额信贷监管制度变迁对我国的启示

印度是国际上小额信贷产业发展较为迅速的国家之一.本文简述了印度小额信贷监管的基本框架以及最新的变化趋势.同时,本文结合我国实际,提出了相关政策建议.     

玻利维亚阳光银行模式对我国小额信贷发展的启示

我国小额信贷商业化的发展还处于探索阶段,玻利维亚阳光银行商业化发展的成功经验值得我国借鉴.在对玻利维亚阳光银行成功经验分析的基础上,结合我国小额信贷发展的现状,对我国小额信贷商业化的有效发展进行了探讨.     

企业小额信贷市场绩效分析——以哈尔滨银行为例

中小企业融资问题是制约其发展的最大瓶颈,哈尔滨银行作为小额信贷金融服务的引领者,为企业发展带来福音。本文以哈尔滨银行为例,试图通过分析当前的SCP现状,完善企业小额信贷服务体系,提高绩效水平。选取哈尔滨银行2007-2012年间的财务数据,进行相关实证分析,最终得出每股收益．净手续费及佣金收入占比,流动性比率,拨备覆盖率是影响哈尔滨银行企业小额信贷的重要因素。     

危机时代的小额信贷:印度模式的反思与借鉴——兼论海南农村小额信贷模式的适用性

从上世纪90年代开始,小额信贷就在发展中国家获得了大力推广,以南亚国家为代表的小额信贷模式取得了举世瞩目的成就,其中,拥有世界上最大小额信贷产业的印度更被视为发展的榜样。不过,从2010年开始,印度爆发了借款人拒     

办好普惠金融促进会 推动普惠金融新发展

<正>2011年1月吴晓灵、段应碧和我发起成立了中国小额信贷机构联席会,主要是促进小额信贷在中国的发展。为尊重银监会在2015年初成立的中国小贷公司协会,2015年3月中国小额信贷机构联席会与中国扶贫基金会、中国村镇银行发展论坛组委会、包商银行和中国小额信贷联盟五方共同发起成立了中国普惠金融联席会,业务范围有所扩大。同时承担了中国普惠金融促进会的筹备工作,就设立中国普惠金融促进会事项     

小额信贷在我国农村发展状况调查

二本文主要通过对国内外小额信贷发展状况进行分析,尤其对国内不同小额信贷机构的发展状况进行具体分析,研究了我国农村小额信贷发展中存在的问题,提出了加强小额贷款方式的灵活性、完善农村小额信贷制度、提高小额信贷机构经营管理水平,建立以银行机构为主、非银行金融机构为辅的小额信贷经营体系的可行性建议。     

农村小额信贷：国际经验与国内扶贫社试点

农村小额信贷：国际经验与国内扶贫社试点杜晓山孙若梅一、世界各国农村小额信贷项目概述１．组织特征。按目前世界上１３个主要进行小额信贷活动帮助贫困群体发展的组织机构，可分为四类：（１）开发（发展）银行。如印尼，墨西哥和尼瓜多尔，是政府的国家级开发银行，通...     

Emerging Economies: Operational Issues in China and India

This article addresses the current state of the infrastructure and other factors within China and India to consider in making operation expansion decisions. We compare the logistics, telecommunication, and energy infrastructure of these two nations followed by a discussion of their labor productivity, economic growth, and political and cultural stability. We find that China is ahead of India in terms of transportation and telecommunications infrastructure, but India leads in terms of skilled labor for supporting information technology (IT) and complex manufacturing-based operations. While it will be difficult for India to catch up with China's manufacturing base, there is a strong opportunity for India to become the back office of the world. We then outline the opportunities and challenges that MNCs may face by investing in these countries and close with advice for managers in making expansion decisions.     

Organic consumerism: A comparison between India and the USA

This study is an investigation of consumer perceptions relating to organic food products based on the factors of the theory of planned behaviour and protection motivation theory with consideration of the variances in culture and economic conditions in two different countries viz. India and the USA. The study also examines how these factors affect consumers purchase intention of organic food in developing (India) and developed (USA) countries. Results of multi-group moderation and multi-group moderated mediation analysis with the data collected from India (n = 714) and the United States (n = 656) using an Amazon Mechanical Turk (MTurk) show the existence of significant difference in the proposed relationships viz. Responsive efficacy → Attitude, Responsive efficacy →Purchase intention, Responsive efficacy → Perceived behvioural control, Attitude → Purchase intention, and Perceived behvioural control → Attitude with respect to the country type (i.e. India and USA). Further, attitude and perceived behavioural control perfectly act as mediators for both the country samples. Outcomes of this study recommend for marketers and promoters of organic food products to consider the consumer culture and settings behind the landscape they live in.     

Investigation of pedestrian crashes using multiple correspondence analysis in India

Abstract

Pedestrian safety is of growing concern with an increasing number of traffic accidents, especially in developing economies like India. In 2017, there were 20,457 pedestrian fatalities in India. Pedestrian crashes have also become a key concern in the state of Tamilnadu, India, due to the high percentage of deaths. If the available datasets are large and complex, identifying key factors is a challenging task. In this study, Multiple Correspondence Analysis (MCA), an exploratory data analysis technique was used to explore the roadway, traffic, crash, and pedestrian-related variables influencing pedestrian crashes. This study used the data from Government of Tamilnadu Road Accident Traffic Management System (RADMS) database, to analyse accident data of nine years (2009–2017) related to pedestrian crashes. The results of the study show that crashes occurring on the express highways on a multilane road are often associated with hit-and-run behaviour among drivers. Factors such as lighting conditions, location, pedestrian behaviour, crossings, and physical separation are also significantly contributing to pedestrian crashes. The key advantage of MCA is that it identifies a possible association between various contributing factors. The findings from this study will be useful for state transport authorities to improve countermeasures for mitigating pedestrian crashes and fatalities.     

中印贸易合作的潜力及实现路径研究——基于随机前沿引力模型

在分析中印双边贸易结合度、相似度、互补性的基础上,利用随机前沿引力模型测算中国对印度的进口和出口效率,以及中印双边的贸易潜力,提出了中印贸易合作的实现路径。研究发现:中印双边贸易额稳步增加,但印度对华出口增长乏力,中方贸易顺差逐年扩大;中印两国贸易关系紧密,贸易产品互补性较强,且在两国主要出口市场的竞争性较弱;中国对印度的出口效率小于进口效率,出口和进口贸易潜力最大值分别为794亿美元、177亿美元;互相削减关税增加了两国的总经济效应,且印度的收益大于中国;印度加入上合组织促进了其与中国的贸易增长。建议中国扩大对印度的投资,增加从印度进口,积极推动RCEP尽快达成协议。     

印度与南方共同市场的区域合作

南南合作是当今世界经济的一个重要特征。印度和南方共同市场都积极寻求南南合作,为自己的发展提供广阔空间。2004年1月,印度和南方共同市场签署了优惠贸易协定(PTR),从而为发展南南合作又提供了一个范例。本文就印度和南方共同市场之间的区域合作作一背景性的分析和介绍,使我们对加强与发展中国家的区域合作能有所重视。     

An econometric analysis of mobile services growth across regions of India

Quick deployment, competition, and reduced prices have propelled the growth of mobile services in India much like in other developing and transitional countries. India has the second largest mobile subscriber base in the world, and continues to exhibit phenomenal growth. It is the objective of this study to determine the effect of different techno-economic variables on the growth of mobile services in India. The demographic, economic and market variables vary widely across regions of developing countries such as India. Though a number of cross-country studies exist, this is one of the first attempts to study the growth of mobile services across service areas of a country. We model the growth of mobile services using technology diffusion framework, incorporating other variables that impact growth. Our analysis of panel data using the model indicates that competition and network effects are the significant factors that positively affect growth of mobile services in India. The traditional factors such as income, population and fixed line penetration do not have any significant impact on the adoption of mobile services.     

Asymmetric effects of exchange rate movements on traditional and modern services exports: Evidence from a large emerging economy

The service sector in India has emerged as the ‘new engine of growth’ with an increasing share in output and exports. In this paper we analyse the effect of real exchange rate movements on service exports of India, incorporating goods exports, financial development, FDI inflows, world demand and the role of globalization as drivers. We find that while traditional service exports are negatively and significantly affected by the real exchange rate movements, the modern service exports are negatively but not significantly affected. By applying the asymmetric cointegration approach, the results also confirm the non-existence of any asymmetric relationship between the real exchange rate and service exports in India. Further, the results also show that the supply augmenting and demand-side factors are more dominant than the exchange rate to affect service exports from India.     

印度的语言政策与语言教育

印度是一个历史悠久的语言博物馆。国家的官方语言是用天城体书写的印地语，英语是辅助的官方语言。英语在印度的推广，已有400多年的历史。对印度的语言状况、印度独立后所采取的语言政策及英语在印度的历史和现状的分析，可以为我国的语言政策和语言教育提供一个可资借鉴的对象，从而正确处理母语教育与英语教育的关系。     

国际服务外包对承接国就业的影响——以印度为例

文章以印度为例分析了国际服务外包对承接国就业的直接与间接影响途径与表现。认为国际服务外包对印度就业的直接影响途径为服务外包产业的规模化发展,而间接影响途径主要表现为服务承接对印度经济增长、区域经济、人力资本与就业质量的影响四个方面。印度在发展服务外包产业过程中的经验主要是非常重视形成服务承接企业规模与能力优势、人力资源优势以及服务产业优势,这对于我国发展服务外包产业、促进社会就业具有重要的借鉴意义。     

关于印度反倾销调查中“中国市场经济地位”

“非市场经济地位”是我国遭遇大量反倾销调查和反倾销败诉的主要原因。近年来，连发展中国家印度也频繁动用非市场经济地位武器对付中国。本文先分析了印度未给予我国市场经济地位待遇的情况及原因，论述了印度拒绝承认我国市场经济地位所带来的危害，并且从政府、企业和行业协会三个层面提出了如何争取印度承认我国市场经济地位的具体措施。