IBM大型机联机交易的开发

随着我国金融电子化网络建设步伐的加快,许多银行相继购买了 IBM 大型机。由于大型机系统和微机等系统的区别,所以在大型机上妇用的开发业和其他系统有区别。通常在购买机器后,开发人员都要经过系统的培训后才能逐步进行应用程序的开发。大型机的应用基本分为联机和批量两个部分。笔者根据自己的经验将如何在 ES9000系列大型机上进行联机交易的开发作一个介绍。     

使用ASP.NET缓存功能创建高性能WEB应用程序

本文介绍了ASP.NET中的缓存功能及如何使用缓存功能创建高性能的Web应用程序,例举了如何在VisualStudio.NET集成开发环境中使用缓存并简单介绍了ASP.NET中其他一些可以提高Web应用程序性能的方法和技术。     

银行软件可重用构件开发环境的实现

本文简要介绍了银行软件可重用构件开发环境ＲＢＤＥ的研制过程,包括基本设计、系统的功能以及主要数据结构的设计等。     

基于机械手的ATM自动测试技术

近年来,为了提高服务质量,各商业银行对自助银行设备越来越重视。如何确保自助银行设备的ATM应用程序稳定可靠,如何使测试过程变得快速、准确、高效成为大家关注的问题。     

基于.NET的WEB状态管理技术探讨

采用B/S模式的网上银行、网上商店如何保存应用程序状态信息在性能、安全等方面是一个不可忽视的问题。本文以ASP.NET为例,介绍在Web应用程序中如何解决HTTP协议的“无状态”缺陷,通过分析和比较,结合实际情况,选择最合适的状态管理技术应用到实践开发中。     

异网互连技术在银行代收代付业务中的应用

本文以银行系统常用的ＡＩＸ／ＵＮＩＸ平台与企事业单位流行的Ｎｏｖｅｌ网络平台互连办理代收税款业务为例,介绍了异网互连技术及其在银行代收代付业务中的应用。文中给出了用电话线通过Ｍｏｄｅｍ进行网络连接和用ＤＤＮ线路通过路由器进行网络连接两种方案,重点讨论了异网互连的数据传输问题,并提供了一种具体的实现方法。     

银证转帐系统中利用SOCKET编程实现委托方/服务方(C/S)的请求与服务

在建立分布式应用程序中最常用的方法是客户/服务器方式(C/S),在银行转帐系统中称为委托方/服务方模式.在这种方式中,委托方的应用程序要求服务方进程的服务,这意味着在建立委托方和服务方之间的通信中存在不对称,在这里我们将详细地讨论委托方和服务方的相互作用,并讨论如何解决利用Socket开发委托方和服务方应用程序中存在的一些问题.     

DB2 UDB性能的调整技巧

在DB2 UDB应用系统的开发和维护过程中，可能会碰到系统响应速度慢等性能问题，下面介绍的方法能够显著改善DB2 UDB数据库应用程序的性能，主要从开发阶段如何提高插入、删除操作的速度和运行维护期间如何调整系统性能参数两个方面归纳了一些常用方法，供相关的开发和维护人员借鉴。     

创建PowerBuilder应用程序运行版的方法

创建ＰｏｗｅｒＢｕｉｌｄｅｒ应用程序运行版的方法中国金融电子化公司陈卓文ＰｏｗｅｒＢｕｉｌｄｅｒ是一种面向对象的数据库开发工具，用它开发了所有或部分的应用程序并且编译存储了应用程序的对象后，就能运行该程序了，这是应用程序的开发版，开发的对象存储在应用...     

综合性电话银行系统的开发

综合性电话银行系统的开发软件设计与开发ＤｅｓｉｇｎａｎｄＤｅｖｅｌｏｐｍｅｎｔｏｆＳｏｆｔｗａｒｅ随着我国通讯网络的迅速发展,为了拓展服务领域,各商业银行相继推出了一系列功能各异的电话银行系统,利用先进的交互式语言回应设备,使客户可以利用家中、办公室...     

ES/9000综合业务电话银行系统

本文介绍了如何在ＥＳ／９０００综合业务系统上设计和开发电话银行系统,以及系统的设计方法与特点。     

Exploring the use of the Delphi method in accounting information systems research

Recent focus on the diversity of research methodologies available to accounting information systems (AIS) scholars has led researchers to suggest the Delphi method has reached the limits of its usefulness. Using a review of the accounting and information systems literature, we suggest such a finding is premature for the AIS discipline. The Delphi method is especially useful in reducing ambiguity through the use of expert panels of both practitioners and experts and informing relevant and timely issues facing organizations. In essence, the Delphi method has potential to provide both rigor and relevance to AIS researchers. Our purpose is to review the prior literature on the use of the Delphi method and discuss potential areas of research within the AIS discipline where the method might add value. Based on this review, we develop a series of guidelines on how to properly develop, administer, and assess panel responses and then use an illustrative study example that explores IT risks in operations. We conclude with a discussion of the value of the Delphi method and provide insight into its limitations.     

商业银行分支机构绩效评价系统的设计与实证分析

本文回顾了商业银行分支机构绩效评价理论的发展和实践现状,从追踪战略实施效果和评价流程角度建立了一套完善的绩效评价系统。具体包括按照商业银行经营的安全性、流动性、盈利性和发展性要求建立了基本指标及其修正体系,并引入评议指标完善评价体系;运用Delphi法和AHP相结合的方法设置权重;借鉴分段函数取代传统直线型处理“倒U型”指标的不利做法;基于相对绩效评价思想,建立了评价标准体系和功效系数法评价模型;并以某商业银行为例进行了实证分析。最后给出了本文研究的局限性和后续研究建议,并特别就引入效率评价维度来完善绩效评价系统设计进行了比较分析。     

Assessing the future of futures studies in management

It can be observed that a growing number of German corporations are using futures studies and its methods in various ways. This evidence suggests that there is a strong ongoing interest in the field of management in futures studies. To assess how the future of futures studies might look like a Delphi study was carried out. The experts in this Delphi study were asked not only to state how futures studies are used in corporations but also what futures studies need to accomplish in order to find more acceptance.The Delphi study suggests that futures studies will become more important in German corporations. In particular, the improvement of methods like environmental scanning, trend research, trend monitoring, strategic early warning and the scenario technique were suggested. While the results of the Delphi study do not suggest that new methods are needed, implementation remains a major concern.     

Delphi,political philosophy and the future

Based on the Delphi technique, the project described in this article seeks to integrate the teaching of classical political science with the analysis of problems facing contemporary and future society. Experts on particular political philosophers of the past were asked to imagine how those men would have viewed and solved present political problems, and thus to use their knowledge to develop a new approach to policy analysis.     

Lessons from Financial Crises: The Role of Clearinghouses

This article investigates the historical development of clearinghouses and their ability to deal with financial crises. The article first reviews the role of bank clearinghouses in the Panic of 1907, the final crisis of the National Banking Era that led to the founding of the Federal Reserve, and examines how the clearinghouses responded by issuing transactions media, despite legal obstacles, and providing coinsurance among the members. The article then traces the late nineteenth and twentieth century evolution of clearinghouses at futures exchanges to understand how they promote stability and withstand crises by mutualizing risks among members. The key feature of both bank and futures clearinghouses is the effective integration of the members during times of distress, illustrating how the private markets develop institutions and contracts to manage risk and respond to financial crises.     

金融市场价格机制、失衡风险与流动性调控

本文对金融市场价格机制的有效性、合理性进行探讨，对法马的有效市场理论、希勒的行为金融理论进行介绍和述评。在此基础上对金融市场价格波动是否需要调节、如何调节、中央银行角色变迁方面提出相关建议。     

商业银行大宗商品结构贸易融资风险评价研究

随着全球经济金融一体化的深入,大宗商品贸易发展迅猛,向商业银行在其实践操作中的风险控制提出了挑战。本文着重探讨商业银行大宗商品结构贸易融资的风险评估,从大宗商品结构贸易融资的风险入手,介绍了风险评估的理论基础,并采用层次分析法和模糊综合评价法建立风险评估体系。     

银行个体特征、外部融资成本和贷款行为的差异性——来自中国银行业微观数据的经验证据

本文运用了2007至2009年13家上市银行季度数据,考察了紧缩性政策下银行个体特征决定贷款行为差异性的机制。本文首先从我国当前银行体系制度约束的典型事实出发提出理论假说,然后建立引入银行个体特征的贷款决定模型,并进一步扩展为动态面板模型以对理论假说展开检验。研究表明,在以资产主导型的盈利模式,较为宽松的资本金补充机制和完善的银行间同业市场制度的约束下,银行的资产规模越小,资本充足率和流动性比率越高,可能会面临较高的外部融资成本,并且贷款下降幅度较大。反之,银行的资产规模越大,资本充足率和流动性比率越低,就会面临较低的外部融资成本,而贷款下降幅度较小。     

Financial outreach and household financial constraint

This paper analyses how financial outreach affects the probability of households having financial constraint (i.e. being ‘discouraged’ and ‘rejected’ for loan applications). We show that households residing in communities with more bank branches are less likely to be financially constrained. Using the distance to the closest fruit and vegetable (open) market as an instrument for financial outreach, we address the potential endogeneity problem and find our results remain robust. We further provide evidence on the negative relationship between the number of bank branches nearby and the probability of loan rejection, in particular for middle‐income young households.