行业资讯

农业银行emoji信用卡2020年限量版全新发布(本刊讯)近日,农业银行emoji信用卡2020年限量版正式上线,该卡共有两款卡面,2020年版卡面为“一飞冲天”的emoji小超人形象,象征勇往直前;爱你爱你版卡面为粉色亲亲表情,召唤心中的爱与正能量。在权益方面,2020年3月20日前,持卡人每月消费满666元,次月可前往“农业银行信用卡”微信公众号领取权益一份.     

民生银行推出南非世界杯双币信用卡

近日，民生银行推出南非世界杯双币信用卡。该卡采用南非足球世界杯会徽、吉祥物作为版面设计元素，推出横版、竖版两款卡面供持卡人选择。针对不同的阶层客户，该卡分为普卡、金卡两种级别。     

光大银行“福”信用卡之文化底蕴

2006~2014年,光大银行先后推出了至少5个不同版本的＂福＂信用卡（如图1~4）,其卡面均采用了清代康熙御书的＂福＂字,并用很多小的＂福＂字进行衬托。其中,第二版和第三版的主要区别在背面。2009年10月,为庆祝我国建国60周年,光大银行建国60周年纪念版信用卡（即第四版＂福＂信用卡）的卡面设计也采用了这个＂福＂字,寓意祝福国家繁荣昌盛,人民生活更加幸福。     

中国银行招财猫信用卡面市

（本刊讯）日前，中国银行推出该行第一款竖版卡通信用卡——JCB品牌招财猫信用卡，此卡也是自2005年JCB国际信用卡公司与中国银行合作发卡以来，合作开发的第一款卡通卡面设计的信用卡。此次合作使得中行JCB品牌信用卡产品得以丰富，同时，全新的JCB信用卡的诞生还标志着JCB在中国的品牌发展又迎来了一个新的里程碑。JCB品牌招财猫信用卡共有金卡及普卡两种卡面设计，     

农行发展私人银行业务探讨

私人银行业务即面向私人客户的金融业务,如私人信托、投资咨询、理财咨询、代客保险、代客经营、信用卡、租购及消费信贷等,它是基于私人客户与银行之间的信任和了解而发展起来的,银行当客户财务经理,根据客户的个性及风险承受能力为客户设计金融资产组合,为客户谋求利益,规避风险,使其私人资产价值趋于最大化。私人银行业务自80年代兴起于美国,现已成为世界各大商业银行的一     

富滇银行信用卡业务获VISA发卡资格

<正>1月24日,富滇银行信用卡业务获VISA入会及发卡资格。VISA是目前全球最大的国际卡组织,其全球受理商户覆盖率位居六大卡组织之首。发卡资质的获批可进一步提升富滇银行信用卡综合服务水平,完善服务和差异化服务体系,满足客户日益增长的境外用卡需求。为满足下一阶段正式发行外币信用卡相关条件,富滇银行将尽快完成VISA会员注册、BIN号申请、卡面设计、发卡清算准备、系统立项、认     

中国邮政储蓄银行2019年信用卡大事记

1月,邮储银行信用卡中心继续发行生肖邮票主题系列信用卡——己亥年生肖信用卡,该卡卡面以己亥年生肖邮票"肥猪旺福"为主题,首次采用卡号后置的设计方式,邮票图案由著名艺术家韩美林设计,向客户传递大吉大利的新春祝愿。1月,邮储银行信用卡中心发行以年轻客户为主要目标客群的轻松小熊主题信用卡。     

光大信用卡演绎“小时代”营销

正十年若一梦。从2003年中国光大银行信用卡中心成立到2014年,中国光大银行信用卡中心通过"小时代"营销攻略,赢得了市场的认同。信用卡版"小时代"营销,是指光大信用卡用传统文化、用中国元素,通过信用卡卡面别出心裁的设计,形成对消费者有持续影响的一种文化。"在信用卡卡面上体现中国元素,代表着我们对中国传统文化的认同和传承。我们认为让消费者对文化的认知和传承,不应该受到空间和时间的限制。文化没有界线,需要的是发现、使用和传承。"光大信用卡中     

平安银行信用卡:虎佑平安,盛世平安

2022年1月30日,平安银行信用卡全新推出悦享白金信用卡虎佑平安版与盛世平安版两款虎年主题卡面.除夕当晚,平安银行信用卡携手中国银联打造的新春贺岁广告片登陆央视春晚,给全国人民拜年.     

行业资讯

<正>工商银行推出工银生肖信用卡兔年印章版和兔年生肖主题借记卡（本刊讯）1月6日，工商银行推出工银生肖信用卡兔年印章版，卡面采用甲骨文元素创作设计，传递“铭刻文化，彰显自信”的大国风采。据了解，新客户完成合格消费有机会领取小黄人拉杆箱一份；新客户在指定活动页面可以1元价格购买网络平台会员月卡；该卡持卡人通过银联支付渠道在12306购票支付时可享受九折优惠，在猫眼平台购买电影票支付时可享受五折优惠；该卡持卡人可使用个人综合积分在指定渠道兑换兔年主题贵金属礼品；     

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.     

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.     

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…     

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。     

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.     

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.     

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…