我国商业银行并购探讨

加入世界贸易组织以后，我国商业银行面临新的发展机遇和竞争压力。在当前国际银行业并购的浪潮下，我国应结合经济发展和对外开放的进程以及银行业自身的发展现状，制定相应的并购战略。本文分析了我国商业银行并购现状，并对我国商业银行实行并购战略的原则、目标和途径进行探索。     

商业银行规模扩张方式初探

国内外学者的研究表明,银行业存在着显著的规模经济性;国外银行业的发展实践表明,兼并是银行扩张的主要方式,推动了近几年全球范围的银行业兼并浪潮愈演愈烈。在比较国内外银行规模扩张实践的基础上,认为兼并应成为我国商业银行规模扩张的有效途径,可以实现商业银行规模的快速有效扩张,从而获取成本竞争优势。     

金融控股公司——金融海啸下我国银行业经营模式走向

20世纪70年代末80年代初以来,西方金融业出现了金融创新与金融自由化的浪潮,各国银行业纷纷由分业经营体制向混业经营体制转化,金融领域出现了证券化、自由化和全球一体化的发展趋势.眼下这场走向纵深的金融危机让我们重新对商业银行经营模式进行思考.本文以我国商业银行经营模式为研究对象,在分析我国银行业现实情况的基础上,指出未来我国银行业仍将呈现混业经营的局面,而合理的模式倾向于金融控股公司.     

我国商业银行资本充足率的研究

随着全球经济一体化,以及加入WTO,我国商业银行也要融入国际经济浪潮,要参与国际银行业的竞争,我们就要力求达到《巴塞尔协议》所规定的银行资本标准和水平。然而,我国商业银行资本充足率低是一个不容回避的事实。本文针对我国商业银行资本充足率现状,按照巴塞尔协议的标准,提出了相应的改进措施。     

关于银行理财业务拓展的探讨

随着银行业的开放,个人理财服务已成为商业银行业竞争的焦点。从发展趋势看,理财业务也必将成为商业银行业赢利增长的主要手段与金融创新的重要领域。本文首先明确了商业银行发展理财业务的重要意义,在对商业银行理财市场的现状进行分析的基础上,提出了进一步发展我国商业银行理财业务的建议。     

国际银行业发展趋势研究--从商业银行的衰落说起

商业银行是传统金融市场上最重要的金融中介。然而,最近30年,外部环境的变化使得商业银行面临更为激烈的竞争;并由此引发了关于商业银行是否将走向灭亡的争论。基于对银行业衰落原因的探析,笔者认为,银行业仍将在金融体系中保持相当份额;但变革也不可避免。从发达国家银行业的最新发展趋势中可以看出,未来唯有管理有素、不断创新的银行才有机会获得成功。     

浅谈中国银行业未来的发展趋势

我国的银行业属于公司制企业，从目前我国银行业的发展来看，还存在着许多问题，银行业未来的发展趋势应该从商业银行的市场机制化入手。     

商业银行内控制度建设浅探

建立健全内部控制制度，对于我国新兴的商业银行业来讲无论是理论准备还是实践经验都不足。在金融服务全球化、金融自由化的浪潮下，如何建立、健全适宜、有效的内部控制制度，维护商业银行资产完整，保持资金合理流动、防范金融风险是商业银行经营管理中面临的紧迫任务。     

浅析国有商业银行财务管理的改革

我国银行业面临外资金融机构的冲击,银行业引入国际竞争.面对这一严峻态势,我国银行业要真正实现向国际化商业银行转轨,就必须进一步完善和强化我国商业银行的内部管理.本文将对我国有商业银行的财务管理改革进行相关的探讨.     

浅析国有商业银行财务管理的改革

我国银行业面临外资金融机构的冲击,银行业引入国际竞争。面对这一严峻态势,我国银行业要真正实现向国际化商业银行转轨,就必须进一步完善和强化我国商业银行的内部管理。本文将对我国有商业银行的财务管理改革进行相关的探讨。     

Born like China,growing like China

This paper studies the effects of China's one‐child policy on saving and foreign reserve accumulation. Fertility control increases the saving rate both by altering saving decisions at the household level, and by altering the demographic composition of the population at the aggregate level. I show that demographically induced changes in saving explain the build‐up of a large foreign surplus in China. As in Song, Storesletten, and Zilibtti (2011), the model features contractual and financial market imperfections. Government‐owned firms are less productive but have full access to the credit market. Entrepreneurial firms are more productive but face credit constraints. As labour switches from less productive to more productive firms, demand for domestic bank borrowing decreases. As saving increases while demand for loans decreases, domestic savings are invested abroad, generating a foreign surplus. The model predicts that China's foreign reserve accumulation will soon begin to slow down in response to recent relaxation of the one‐child policy.     

澳大利亚、中国和美国的三角关系

1.前言当奥托·冯·俾斯麦被推荐给试图成为整个欧洲联盟"三巨头"的奥匈帝国时,他了解这个次要大国的地位。在安德拉希伯爵的推进下,维也纳基本达到目的了——成了三皇联盟和三国同盟的成员。其唯一的违反行为就是在1879年加入两国同盟,这个错误在两年后被纠正了。     

经济学家、经济学与中国改革

本文回顾了中国经济学家伴随中国改革成长的历程 ,历数诸多为中国建立现代市场经济制度 ,进行过艰苦的理论和思想探索的经济学家 ;并通过具体实例说明经济学家通过对于现代经济科学认识的深化 ,在改革的重大关头和事件上所发挥的重要作用。中国改革的深入 ,对于经济科学的要求愈来愈高 ,经济学的新课题层出不穷。因此 ,本文提出亟需加快我国经济科学学科建设的若干建议。     

Export Variety,Revenue, and Productivity in China

In this paper I argue through empirical testing that it is the underlying export variety that helps to explain the strong correlation between China's provincial export revenue and productivity. The empirical model maps export varieties into provincial GDP functions with multiple sectors by price index theory. By employing panel data that covers all 31 executive districts of mainland China from 1998 to 2005, I find that export varieties, via export revenue, significantly affect productivity: it accounts for 44.1% of interprovincial TFP differences and 36.6% of within‐province TFP growth; a 10% increase in export variety leads to a 1.4% productivity growth in China.     

Reform,Growth, and Inequality in China*

This paper provides a survey of the literature on inequality in China – level, change, causes, and consequences. It attempts to answer six main questions. How much has inequality risen? What is its relation to poverty alleviation? What has happened to wealth inequality? What are the main dimensions of rising income inequality? The dimensions examined are: the rural–urban divide; urban labor market reform; regional divergence; rural–urban migration; and entrepreneurship, rent‐seeking, and corruption. Was it inevitable that inequality should rise so much? Does it matter that inequality has risen? Income distribution in China is bound up with both economic reform and economic growth. This paper concludes by considering the countervailing forces that will determine the path of inequality in future years.     

两岸四地经济的互补促进与西部开发

改革开放以来，快速、持续、稳定增长的中国经济，为港澳台经济的发展提供了坚实的基础。港澳回归后，两岸四地经济合作将在更大的层面上展示，以实现互促互补，同生共长；而西部大开发则为两岸四地经济的繁荣提供了更为广阔的空间。     

腐败、反腐败和中国县际收入差距

中国经济的快速增长和地区间收入差距紧密相联。虽然目前大部分研究文献都用经济因素来解释这一问题,但文章认为,地方政府的反腐败力度也是影响地方收入水平的重要因素。通过利用中国县级横截面数据以及采用普通最小二乘法,文章发现,反腐败力度越大的县的收入水平越高。利用最近发展起来的夏普里值分解法来量化各个解释变量对收入差距的贡献率,文章还发现,反腐败是解释中国县际收入差距的一个重要因素。     

Environmental regulation,political incentives,and mortality in China

China enacted an environmental regulation policy in 1998, the “Two Control Zones” (TCZ) policy, to control air pollution in selected cities. Using a panel dataset of 208 prefectural cities for 2001–2012, this study applies a difference-in-differences approach to examine the policy's impact on mortality and identify the role of political incentives. We find the following aspects. (1) The policy significantly reduces mortality in TCZ cities relative to that in non-TCZ cities by 0.305‰ in the period when the policy is strictly enforced. On average, it translates into a 5.2% reduction in mortality. (2) The effect is particularly salient in the years when local officers are evaluated for political promotion and/or when they face stronger pressure for promotion, thus suggesting that political incentives play an important role in determining the effectiveness of environmental regulation policy. (3) The policy reduces industrial emissions of sulfur dioxide instantaneously, while the accumulation of which eventually leads to a lagged reduction in mortality in the cities. (4) The policy yields health benefits worth 1.1 trillion yuan for the treatment period in our sample (i.e., 2006–2012), which accounts for approximately 5.1% of GDP in 2006.     

中国城市的职业、阶层和关系网

自1978年以来,随着市场化改革的深入,中国的社会阶层结构发生了巨大的变化。改革推动了混和经济模式的出现,侵蚀着再分配经济时代的社会等级结构的制度基础,也为一种新的阶层结构的形成创造了条件。本文依据1998年中国津、沪、汉、深四市400户家庭的社会交往资料,分析春节拜年行为,测量各社会阶层间的社会纽带的强度和异质性。研究表明,中国城市同时存在两个社会分化的维度,即私有化的市场经济导致的分化和工作组织中的政治权力导致的分化。与市场决定论相反,中国社会分层的根本逻辑是经济和政治的相互影响和双重变迁。