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1.
本文根据商业银行顾客满意度的主要影响因素,尝试构建了适合我国商业银行的顾客满意度测评模型;根据测评模型建立了相应的测评指标体系,确定了各指标的测评方法;并通过对长沙某商业银行的问卷调查,运用因子分析等方法来验证测评模型和测评指标的合理性和可靠性。  相似文献   

2.
葡萄酒的质量与酿酒葡萄的理化指标、葡萄酒的理化指标等紧密相关.本文以酿酒葡萄和葡萄酒为研究对象,利用多种统计方法研究葡萄酒指标和葡萄酒质量之间的定性和定量关系.找出评酒员对酒的评价之间存在的显著性差异,并对酿酒葡萄进行了分级,具有一定的应用价值.  相似文献   

3.
本文利用1978-2008年的时间序列数据,通过VAR系统协整分析对农村金融中介发展对缩小城乡居民收入差距的贡献情况进行了实证检验.结果显示:农村金融中介规模的提升会加大城乡居民收入差距,但有助于缩小城乡居民生活质量的差距.农村金融中介效率的提升会缩小城乡居民收入差距,但与城乡居民生活质量差距没有任何因果关系.农村金融中介规模指标与农村金融中介效率指标之间不存在任何的因果关系.  相似文献   

4.
顾客满意度在商业银行经营管理中的应用分析   总被引:4,自引:0,他引:4  
邓丽梅  赵鸣雷 《新金融》2002,(11):17-19
一、顾客满意度指标(CSI)的定义与测量方法 1.顾客满意度(CSI)的含义 顾客满意度指标(Customer Satisfaction Index,简称CSI)是一种测量公司、工业、经济实体和国家经济市场表现的新方法,是以顾客为出发点的测评体系,主要测量产品的质量和顾客消费这些产品或服务时的感受.  相似文献   

5.
生鲜农产品的电子商务有其特有的属性,本文站在消费者角度,主要研究品牌形象对生鲜电商顾客满意度的影响,将生鲜电商品牌形象分成五个维度,加入信任变量的中介作用,构建本文的模型,通过问卷的方式收集数据,利用SPSS与AMOS对数据进行处理,得出本文的结论。  相似文献   

6.
顾客满意度理论在企业的传统市场竞争中占据重要的地位。它所提供的顾客信息能使生产商或供应商与客户原本隔离的障碍得以部分消除,从而可以使企业的生产、销售等活动得到改善,改进与顾客之间的关系。随着知识经济时代的到来.Internet迅速发展的势头更是锐不可挡.信息替代物质资料成  相似文献   

7.
本文利用我国1978~2007年的相关时间序列数据,通过运用多变量VAR系统,对衡量我国金融中介发展的指标和产业结构变动的指标进行Johansen协整分析、Granger因果关系检验和向量误差修正模型(VECM)构建。实证分析结果表明:金融中介发展指标与产业结构变动指标之间存在协整关系,并且金融中介的整体发展与产业结构变动之间存在单向因果关系。这一结论在实证角度肯定了我国金融中介发展对产业结构变动的促进作用。  相似文献   

8.
杨岩  王薇 《征信》2017,35(10)
受相关法规制度操作性不强、投诉处理机制不完善等因素的影响,我国征信投诉机制存在一定的不足.通过分析美国的征信投诉机制,从完善法律法规、优化投诉处理流程、强化信息披露、提高监管水平、加强征信宣传教育等方面提出完善我国征信信息主体投诉机制的建议.  相似文献   

9.
乔梁 《中国保险》2009,(7):53-55
目前,中国保险业尚处于发展阶段,服务中尚存在一些不完善的地方,顾客相关投诉也较多,在一定程度上直接影响了潜在顾客对保险的需求。各保险公司都意识到服务质量在公司经营管理中的重要性,但是缺乏一个可操作的管理方法,能够使管理者准确地判断出公司在满足顾客需求方面做得如何。  相似文献   

10.
本文采用中介变量的检验方法,基于上海证券交易所上市企业2015-2017年的经验数据,研究分析师跟踪、企业的会计信息质量与企业价值的关系。研究结果发现,企业的会计信息质量与企业价值呈正相关关系,会计信息质量与分析师跟踪呈正相关关系;从中介变量的角度看,分析师跟踪在会计信息质量与企业价值的关系中发挥部分中介作用,证券分析师能够降低信息不对称程度,监督和制约企业,从而提升企业价值。  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.
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   

13.
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   

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.
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   

20.
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…  相似文献   

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