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1.
20世纪末,我国部分商业银行开始尝试开展财务顾问业务,十几年来,这项业务取得了蓬勃发展。目前财务顾问业务已经成为商业银行投行业务的重要组成部分,其中间业务收入也成为商业银行新的利润增长点。商业银行大力发展财务顾问业务的必要性与紧迫性日益彰显。  相似文献   

2.
郝德海 《时代金融》2013,(14):123-124
本文旨在提出商业银行系统化推动财务顾问业务的整体框架,以促进其可持续发展。文章研究了我国商业银行在财务顾问业务领域的实践,分析了商业银行开展财务顾问业务的必要性和可行性,提出了当前制约财务顾问业务发展的主要障碍,并有针对性地提出了相关措施建议。  相似文献   

3.
中国经济持续快速发展,推动项目融资进入新的发展阶段,与之相适应,项目融资财务顾问也面临着广阔的发展机遇。本文通过对实际案例的分析,探讨商业银行如何发挥自身优势,积极开展项目融资财务顾问业务,并以此促进自身业务转型,推进地方经济建设。  相似文献   

4.
在金融资产结构和社会资金流向发生变化、直接融资比重不断增加的形势下,在我国现行银行、证券分业经营管理的制度框架下,随着客户投资理财方面需求的日益增加,财务顾问业务已成为各家银行介入资本市场、开拓投资银行业务的切入点与突破口.本文对我国银行业财务顾问业务开展现状、问题,商业银行开展财务顾问业务的必要性和现实性以及今后的发展策略作一简要分析.  相似文献   

5.
财务顾问业务作为银行传统业务之外提供给客户的一项增值服务,是指银行根据客户需求,为客户的投融资,资本运作、资产管理,债务管理,企业诊断等活动提供的咨询,分析、方案设计等服务。该项业务是商业银行传统业务的延伸,也是提高客户综合贡献度的重要产品。 近年来,银行财务顾问业务取得了较快发展,其实现的收入占中间业务收入的比重呈逐年上升趋势,但在对辖区行进行审计和调研的过程中,我们注意到,财务顾问业务“重业务发展,轻持续服务,轻业务管理”的现象在个别行不同程度地存在着,这不仅影响该项业务的可持续发展,同时也潜伏着较大的风险隐患。关注财务顾问业务的风险点,采取有效的风险防范措施,对风险进行有效的全过程控制,切实提高财务顾问业务的管控意识和服务水平,才能保证银行财务顾问业务的质量,树立建设银行财务顾问业务的品牌。[编者按]  相似文献   

6.
作为中间业务的财务顾问业务(投行业务的一部份).我国商业银行开展的时间并不长.但发展的步伐却很快,目前业务发展主要集中在城市地区的银行,经济欠发达地区银行此项业务则刚起步.  相似文献   

7.
在金融资产结构和社会资金流向发生变化、直接融资比重不断增加的形势下,在我国现行银行、证券分业经营管理的制度框架下,随着客户投资理财方面需求的日益增加,财务顾问业务已成为各家银行介入资本市场、开拓投资银行业务的切入点与突破口。本文对我国银行业财务顾问业务开展现状、问题,商业银行开展财务顾问业务的必要性和现实性以及今后的发展策略作一简要分析。  相似文献   

8.
商业银行发展投行业务的途径与策略   总被引:1,自引:0,他引:1  
一、我国商业银行发展投资银行业务的主要途径.从我国情况看,根据现有法规,除证券承销与经纪等传统的投资银行业务外,商业银行基本上都可以从事或以财务顾问的形式参与其他投资银行业务。从我国金融市场发展的前景看.今后一段时期内商业银行应重点发展的投资银行业务有以下几种。  相似文献   

9.
近年来,商业银行从事投资银行业务改变以利差收入为主导的传统盈利模式、实现经营转型的趋势日渐明显。由于监管法规的约束,目前商业银行主要开展与信贷业务关系紧密的投资银行业务,例如政府与机构财务顾问业务、项目融资业务等。其投资银行业务依然有待进一步挖掘和完善,商业银行投资银行业务发展机遇与挑战并存。  相似文献   

10.
2006年5月以来,各商业银行纷纷推出信托理财(融资)财务顾问业务,作为向高端客户提供低成本融资或高收益理财的重要手段。据不完全统计,目前全国市场上已发行的该类产品已超过1000亿元。仅2007年1月份,就发行了16只、约50亿元该类产品。为尽快推广我行的信托理财(融资)财务顾问业务,提高对优质客户营销和服务水平,本期将对该业务作专题介绍。[编按]  相似文献   

11.
I.F. Clarke 《Futures》1985,17(2):170-184
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.  相似文献   

12.
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…  相似文献   

13.
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.  相似文献   

14.
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.  相似文献   

15.
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.  相似文献   

16.
国家新出台的助学贷款政策,还不过是既有的框架下的局部调整,存在诸多不完善的地方。为此,对国家助学贷款应构建高校与就业单位的“双担保”机制。从长期来看,要构建一个系统有效的“政府部门管理和商业银行运作相结合”、“多层次、多渠道、多方式”、“担保和非担保、贴息和非贴息、市场和非市场运作互相补充”的中国教育金融框架。  相似文献   

17.
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.  相似文献   

18.
目前江苏省内人民银行各县(市)支行与其市中心支行的网络互联是通过专线经中国电信的x.25分组交换网实现的,没有其它备份线路,一旦线路或路由器出现故障,电子联行、银行信贷登记咨询、货币发行管理等业务系统就不能与中心支行的业务系统实现正常通信,这不仅会影响本行业务工作的正常进行,甚至可能会影响上级行业务系统的正常运行.针对这一问题我们首先想到的解决方法是,购买一个路由器作为备份路由器,再租用一条其它方式的远程连接线路作为备份线路,这样的备份设备费用至少15万~2万元.如果采用Windows 2000 Server(或者Windows NT Server 4.0),使用其免费提供的请求拨号路由服务,就能实现临时应急备份路由.下面对Windows2000的请求拨号路由及其安装配置做一详细说明.  相似文献   

19.
一、概述 为配合公司人事考核制度的贯彻执行,保证该制度执行过程中各项工作能够长期、高效、准确地完成,我们开发了公司员工考核系统,实现了人事考核工作中员工投票、考核统计、考核信息分析、报表生成等功能,减少了人事部门人员的手工操作,提高了考核工作的自动化程度.  相似文献   

20.
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.  相似文献   

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