关于高校银行贷款风险控制的探讨

随着高校贷款规模的扩大,其造成的财务风险也逐渐显露出来。有效防范和控制贷款风险,是保证高等教育事业持续健康发展面临的一个重大而紧迫的任务。要有效防范和化解高校贷款风险,必须增强贷款风险意识,加强对高校贷款的宏观控制,严格贷款程序,合理制定高校偿还贷款计划和建立贷款风险预警机制,并切实增加对高校的财政投入和给予高校一定的信贷优惠政策,缓解高校的偿贷压力。     

浅析高层次科技创业人才的创业风险构成

近年来,中央和各级地方政府的高度重视高层次科技创业人才的引进,对高层次科技创业人才的创业风险问题研究日益迫切。本文针对高层次科技人才的创业问题,分析了来自内部的风险,以期为高层次科技人才创业风险管理提供理论指导和实践依据。     

品牌延伸中的风险防范研究

成功的品牌延伸能使品牌资产得到充分利用,并在利用中增值。但是品牌延伸存在诸多风险,这些风险是导致延伸失败的根源。为了化解品牌延伸中的风险,企业首先要选择恰当的延伸模式和延伸时间,同时要避开种种误区,并针对四大风险,采取相应的防范对策。     

Challenges for International Economic Policy Coordination in EMU: Institutional Setting, Financial Market Reactions and the Importance of Systemic Risk

The launch of the euro and, with it, the institutional framework that has been established are raising a number of important issues for the co-ordination of policies, not only within EMU, but also with countries outside the euro area. This paper looks at some of the challenges that the institutions and processes put in place for conducting policy in the euro area pose for international co-ordination. More precisely, it assesses whether there are risks that the new institutional arrangements may generate more imbalanced policies than earlier, thereby creating negative international spillovers. This paper also discusses whether these arrangements may create new systemic risks in international financial markets.Counsellor for Macroeconomic Policies     

房地产泡沫与信贷风险的相关性研究

在以往的房地产泡沫与银行风险的案例中,房地产价格都经历了平均超过20%的大幅波动。在信贷风险爆发前不久,房价开始下跌;信贷风险爆发后,房地产价格继续下跌,这说明了银行信贷部门的危机与房地产价格的下跌有着密切的关系。所以,选择房地产泡沫与银行信贷体系稳定性作为本文的研究对象,对促进我国房地产市场与银行信贷体系协调发展具有重要的现实意义。     

企业评价中的会计风险与防范

会计信息充满着会计风险。在企业评价中,定量指标和定性指标不可避免地要受外生会计风险的影响,为了降低会计本身固有的风险,提高企业评价中的精确性,就必须进一步完善和发展会计理论,提高会计人员的业务素质和法律、法规意识,鼓励和扶持真正具有独立性、中立性的民间评估权威机构的发展。     

我国商业银行内部评估体系应适时调整

新的社会条件下,国际惯例、金融市场的适应性改革及金融市场的新现象,均对我国的金融监管工作提出了更高的要求。作为规范、保障我国金融市场有序、高效运行的有力屏障,我国国内商业银行的风险监管工作,应重新审视作为监管方式之一的内部评估体系并作出相应的调整。本文从财务指标的合理性与对新的风险点的监控考核等几个方面进行分析,希冀能对金融监管工作有所参考。     

企业发展的六大法则

企业进入新世纪将面临更严峻的考验，如何迎接挑战？本文提出了企业发展的六大“黄金法则”。     

Exchange Rate Instability: Japan''''s Micro-Macro Experiences and Implications for China

I. Introduction Japan’s failure to adjust the undervalued yen in the late 1960s and early 1970s invited a highly unstable yen-dollar exchange rate. The result was the weakening of Japan’s industrial base and decade-long structural stagnation. Japanese industries had to struggle for survival. Based on my experience as financial officer of Itochu Corporation, this paper is organized as follows: Section II explains why and how the yen kept appreciating. Section III studies the responses of…