货币危机与银行危机共生机理研究

共生危机理论是传统金融危机理论演进的结果。货币危机与银行危机的共生机制有着一个清晰的理论架构：它源于金融体系的脆弱性，金融一体化以及金融自由化、不当的汇率制度和政策、银行体系中的货币错配等体制因素为两危机共生提供了环境，在信息不对称、公众预期、道德风险等因素的作用下，通过资产负债表效应、流动性、资本流动以及政府政策等渠道相互传导，彼此强化。     

刍议网上银行

网上银行业务正在转变为一项能够带来实际利益的业务运作,网上银行的出现使得传统银行在资金媒介、支付功能等方面受到了巨大的冲击.在分析网上银行与传统银行的业务关系的基础上,研究了网上银行的特点和比较优势,以期为网上银行业务的拓展与升级提供借鉴和决策支持.     

Bank generic strategies: does Porter's theory apply in an international banking center

This study examines banks' competitive strategies and their relationship with performance in a highly internationalized banking center, Hong Kong. The factor analysis results have, by and large, provided support to Porter's three strategy typology. Nevertheless, the empirical findings from the cluster analysis and the subsequent inter-group comparison of performances have cast doubt on Porter's stuck-in-the-middle proposition by demonstrating that banks adopting a multi-strategic approach did outperform other strategically monotonous rivals. While the stuck-in-the-middle proposition is grounded in the premise of inherent inconsistencies for pursuing more than one generic strategy simultaneously, the resource-based view and the present empirical findings hint at the feasibility for well-resourced banks to combine apparently incompatible value creating activities in a synergistic way to achieve integrated flexibility and consequently, a sustainable multi-strategic position. It is suggested that this feasibility very much depends on a bank's organizing and coordinating capabilities that are developed and refined through managerial commitment, learning and experience, as well as a careful assessment of various organizational activities and its inter-relationships within the entire business system.     

我国银行业税收制度研究

最近几年来,随着国内银行业的发展,特别是部分国有商业银行股改上市进程的推进,税收已经成为影响商业银行在资本市场表现的重要因素,现行税制中的一些矛盾开始显现,对税收制度进行改革的呼声日渐高涨.但对现行银行业税制到底存在什么样的问题和需要怎么改革等问题却是众说纷纭.本文在对税收基本理论和我国银行业税收制度现状及其实施效果进行介绍和分析的基础上,结合国外银行业税制的现状和发展方向,探讨我国银行业现行税制在合理性、公平性、均衡性方面存在的主要问题,对其改革的总体思路和具体内容设计进行研究,以期为我国银行业税制改革提供政策性建议.     

我国网上银行发展之法律问题

全球银行业正经历着一个激动人心的时代,网上银行顺理成章地成为这一时代的见证和表征。WTO体制下金融业的全面开放将使网上银行业务成为中外金融业竞争的焦点。现行监管模式和法律规制对于网上银行显得力不从心,已不能适应其蓬勃发展的客观需要。就有关网上银行及其业务的的监管模式、归责原则、民事责任等相关法律问题加以探讨,并提出一些浅见。     

Is Government Regulation of Banks Necessary?

Banks have been involved with and regulated by governments for hundreds of years. Following a brief review of this history, I delineate nine reasons that could justify continued regulation, particularly in the United States. These include deposit insurance, preventing banks from obtaining excessive economic power, reducing the cost of individual bank insolvency, avoiding the effects of bank failures on the economy, protecting the payments system, serving the interests of popularly elected officials, enhancing the Federal Reserve's control over the money supply, suppressing competition, and protecting consumers. Analysis of each leads me to conclude that deposit insurance, which allows banks to hold insufficient capital, is the only public-policy-justifiable rationale for regulation. This concern can be managed with capital requirements; otherwise, banks should only be regulated as are other corporations.     

“旅游支撑力”阴影区的形成机理和对策研究——以济南、泰安、曲阜为例

旅游业是一个综合性的产业。其经济收益与所依托区域经济发展水平具有较强的相关性，因此对于地理位置临近的旅游目的地来说，旅游支撑力较大的获益能力通常也较高，反之旅游支撑力较弱的从单位游客的获益能力也较弱，当旅游支撑力相差较大时。就使得弱旅游支撑力的旅游目的地处于强旅游支撑力旅游目的地的阴影区内，使其获益能力相对进一步降低，继而出现“旅游支撑力”阴影区现象。结合处于山水圣人旅游区且空间距离较近的济南、泰安、曲阜为例，阐述了“旅游支撑力”阴影区的形成机理，并就此问题提出对应的解决对策。     

IMF Bank-Restructuring Efficiency Outcomes: Evidence from East Asia

We report new findings on bank efficiency in East Asian countries for the pre- and post-IMF restructuring periods. We find that bank efficiency has improved, but only to the pre-IMF intervention level, and that restructured banks are not more efficient than their unrestructured counterparts. Different restructuring measures have different effects. Bank closures are economically justified, but mergers show short-term efficiency losses. Recapitalization and reprivatization of badly performing banks lead to efficiency improvement, but also increase government ownership. Ease of entry that has allowed for more foreign bank participation results in slightly improved performance of badly performing banks.

从银行监管的视角看美国的次级债危机

美国次级债危机发生和处理为我国的金融监管提供了一次很好的学习和总结机会。本文以为:①我国监管当局要高度重视住房按揭贷款的风险;②要理顺监管体制,加强资产证券化业务的监管和指导;③金融当局要加强危机处理能力;④要稳步推进混业经营,规范商业银行金融创新中的信息披露。     

后WTO时期外资银行对中资银行影响分析及其路径选择

后WTO时期,我国金融业开放程度不断加深,外资银行正以前所未有的深度融入我国金融体系。外资银行的进入,将从总体上提升我国银行系统效率,但同时也不可避免地带来相应的冲击。本文从客户资源、银行业务、服务手段、人力资源等角度分析了外资银行对中资银行的冲击,并提出应当通过完善金融体系、提高整体实力、培育新生力量及加强合作等策略增强中资银行抗击外资银行的实力,引导中资银行健康发展。