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1.
当今虽然对资本经济命题的认同尚有障碍,但我国社会主义经济在实现商品化和市场化的同时.也事实上呈现出资本化趋势。对我国经济的深刻变化和当代复杂经济现象的认识,有赖于资本经济一般的理论和视角。投资者与劳动者对立统一的生产者内部关系,构成资本经济一般的基本经济关系,其实质在于理性的价值增值.其核心在于抽象掉经济性质属性的“增值价值”范畴。  相似文献   

2.
向敏  冯明君 《改革与战略》2010,26(2):72-74,137
信息技术的进步推动了网络经济的迅速发展,人类逐步跨入信息时代,网络银行将会为实现这一跨越提供资金流的便利。由于其混业经营趋势与其所面临网络经济环境的复杂性,网络银行需要覆盖每一项业务、深入每个流程、规范和科学地全面风险管理。合理配置网络银行资本,能够有效地抵御风险,促进其良性发展,而这一过程需要基于全面风险管理的方法,将收益和风险直接挂钩。为可能出现的最大风险做出资本准备,使其和可持续盈利的目标相一致。文章正是从这一角度出发,结合网络银行的特性,研究RAROC技术在其资本配置中的应用,并探究了应用RAROC技术的支撑体系。  相似文献   

3.
文章从一致性的基本原理出发,构建了商业银行资本配置的基本方法模型,并通过有关的算列分析,对此方案进行了模拟,检验其正确与否。  相似文献   

4.
正值国务院的<关于推进资本市场改革开放和稳定发展的若干意见>(即国九条)发布一周年之际,国家有关部门在新年伊始并赶在今年的"两会"之前,连续出台了允许企业年金、保险基金、商业银行基金直接进入资本市场的重大举措,引起了业界人士的广泛关注,普通认为,这是我国资本市场发展的长期利好.  相似文献   

5.
全球金融危机给商业银行采用科学的绩效评价为其构建合理的风险管理体系带来了新的挑战和研究课题。本文在对商业银行风险管理绩效评价的理论方法与实践现状分析的基础上,探讨了引入经济资本的商业银行风险管理绩效评价方法,并针对商业银行绩效评价存在的问题,提出了完善商业银行基于经济资本的风险管理绩效评价体系的策略。  相似文献   

6.
经济资本是银行内部管理中使用的、综合反映实际风险承担状况的有效工具。经济资本在客户选择、风险排序、风险定价、资源配置和绩效考核中发挥重要作用。基于实际工作和业务经验,从经济资本的定义、应用以及节约方法,对经济资本进行全面论述,藉此希望对商业银行的相关工作有借鉴意义。  相似文献   

7.
潘同庆 《中国经贸》2014,(1):122-122
随着我国经济不断发展壮大,资本市场起着十分重要的作用。为了充分开发利用银行资本,维护资本市场的和谐统一与稳定,目前,国际银行界开始要求银行在管理上要加强经济资本管理,这已经成为现在所要关注的头等大事。本文笔者从经济资本管理的定义入手,对资本管理有关问题进行了分析研究,在充分借鉴国外商业银行的管理模式的基础上,重点分析了如何完善我国商业银行经济资本管理模式。  相似文献   

8.
9.
中国农村居民社会资本的经济回报   总被引:2,自引:0,他引:2  
本文基于三县市农户的实地调查,结合农村居民“讨论网”和“借钱网”的调查资料,利用家庭收入模型估计了中国农村居民不同类型社会资本的经济回报率,通过相关统计数据考察了农村居民工具性社会资本的关系构成。结果表明:在中国农村,社会资本对农户家庭收入有显著正影响,社会资本的经济回报小于人力资本的经济回报;但不同类型社会资本的经济回报率不同,工具性社会资本具有较高的经济回报,情感性社会资本的经济回报并不显著。本文还发现,亲缘关系是农村居民工具性社会资本的主要提供者,除邻居以外其他的非亲缘关系所起作用甚微。因此,农民和政府都应重视并加强对社会资本,尤其是工具性社会资本的投资和积累,进一步拓宽农民社会交流渠道,使其获得更多的异质性资源,从而提高家庭收入,尽快摆脱贫困。  相似文献   

10.
将人力资本分为健康资本和教育资本,并纳入在已有文献基础上构建的扩展Solow增长模型框架,采用中国31个省域1993—2012年面板数据,分析了人力资本的区域经济绩效。主要结论:(1)健康和教育资本作为人力资本的基本构件在经济绩效影响因素分析中应予以并重;(2)今后加强人力资本投资是提高区域经济绩效的关键;(3)健康资本积累的经济绩效影响有时滞,政府不能因此而忽视健康投入;(4)健康和教育资本具有互补性;(5)中国省域经济增长呈缓慢收敛,教育和健康资本有助于加速区域增长收敛和协调发展。  相似文献   

11.
包青 《华东经济管理》2003,17(2):122-123
本文主要分析了新《保险法》的特点及其不足之处,建议引入保单持有人这一主体,同时期盼保监委出台相关法律法规以拓宽保险资金的投资渠道。  相似文献   

12.
Summary This study explores the long-run dynamics of economic growth, with particular reference to The Netherlands. The time span covered extends backwards to the mid-nineteenth century, using new time series on disaggregated physical and human capital stocks for the period 1850-1913. Economic growth in the nineteenth century is shown to have had a strong physical capital-using bias, initially concentrated in buildings and infrastructure. The close relationship between investment in machinery and economic growth did not begin to take shape until the end of the nineteenth century, to increase in strength in the course of the twentieth century.An earlier version of this article was published as a research memorandum of the Groningen Growth and Development Centre (GD 12), University of Groningen, October 1994. This article is based on research sponsored by the Faculty of Economics of the University of Groningen, and by the Foundation of Economic, Social, and Spatial Sciences (ESR), which is part of The Netherlands Organization for Scientific Research (NWO). For helpful comments, we thank Jan Jacobs, Professor W.H. Buiter, Bart van Ark, Rainer Fremdling, participants of the Economic History colloquium at the University of Groningen and of the European Historical Economics Society's Summer School 1994 (Florence), especially Professor Alan Taylor (Northwestern University), participants of the Quantitative Economic History Conference 1995 (Cambridge U.K.), and two anonymous referees. Of course, the usual disclaimer holds.  相似文献   

13.
资本约束已成为我国商业银行发展的严重制约因素,面对这一不争事实,我国商业银行如何走出困境?本文对我国银行资本约束的现状及产生的原因进行了剖析,并给出了一些对策建议。  相似文献   

14.
Human capital is one of the most important factors to promote economic growth. It is critical both on theory and practice to study how human capital investment and accumulation promote the economic growth in China. The thesis takes Lucas's Human Capital Spillover Model as the analysis tool. Through SPSS 14.0 software, it uses the serial data from 1992 to 2006 to analyze the human capital's correlation and contribution to the economic growth, so as to find out why the human capital contribution to economic growth is low. And then, in order to increase the human capital accumulation, it puts forward the relative strategies which include paying more attention to the importance of human capital, greatly developing education, improving the quality of human capital and investing more on the human capital of enterprises.  相似文献   

15.
王亚柯  吕惠娟 《改革》2012,(8):141-146
我国的企业年金制度已有10余年历史,但整体水平仍相对滞后。无论是从资产规模、覆盖率和替代率,还是从税收优惠政策来看,我国企业年金的发展与OECD国家相比还存在较大差距。加快建设企业年金,应扩大覆盖面,促进集合年金和职业年金的发展;提高替代率,完善企业年金的税收优惠政策。  相似文献   

16.
马克思的资本输出理论由于过分强调剥削性和压迫性在当今经济全球化的浪潮中受到严峻的挑战。因此,当今有必要回归马克思关于资本输出理论的剥削性和压迫性,科学提升资本输出对经济发展的推动作用,以适应时代"和平与发展"的时代主题和全球经济一体化的客观趋势。  相似文献   

17.
This paper examines liquidity creation behaviour in the property‐liability insurance market in South Africa. Using annual data on 76 insurers from 2007 to 2014, the paper employs the three‐stage approach to estimate liquidity creation. The results suggest that property‐liability insurers are characterised by liquidity destruction by transforming liquid assets in cash and investable securities into illiquid reserves liabilities. The findings also indicate that the R1.32 billion in liquid assets were transformed into illiquid reserves liabilities in 2014, an increase from the R700 million liquidity de‐created in 2007. The increases were mainly driven by large insurers which accounted for about 70% liquidity de‐created. The results of panel regression analysis provide evidence in support of the “risk‐absorption” hypothesis which argues that high levels of capital increases liquidity creation. In addition, size, leverage and reinsurance were also identified as the firm‐level factors that explain liquidity creation. The policy implications of the findings are discussed.  相似文献   

18.
段学慧 《特区经济》2008,(4):188-189
相互制保险在农业保险领域有着明显的优势。然而,相互制保险管理制度上的缺陷及其与农业保险的矛盾制约着相互制农业保险的发展。目前,在我国合作意识不强、农村合作经济组织发育不健全的情况下,开展相互制农业保险还有一定困难。因此,要开展相互制农业保险,必须选择合适的范围和地区,并对相互制保险进行制度创新,为相互制农业保险提供财政补贴,建立再保险机制,加强引导,减少行政干预。  相似文献   

19.
经济资本管理作为商业银行风险管理的核心工具,其应用日益广泛。通过经济资本管理,银行可以量化经营所面临的全部风险并确定抵御风险的资本。实现经济资本管理,需要建立银行内部的评级体系,这涉及银行数据体系的建立和维护。由于整个社会信用文化的缺失以及有效数据的缺乏,我国的商业银行在这方面需做大量工作。  相似文献   

20.
    
Abstract

Previous literature suggested that immigrants have a positive impact on international transactions such as exports. However, even though previous studies emphasize the role of individual and families in enhancing networks effects, none of these studies, surprisingly, have considered the heterogeneity of immigrants. Since each individual has different social and educational backgrounds, the impact of immigrants on exports may differ among individuals depending on their personal attributes. The main contribution of this paper is to go one step further in discussing the role of immigrants in enhancing host country exports. This research attempts to answer the question of whether all immigrants encourage host country exports or not. Using US state-level data, we find that the human capital level of immigrants plays an important role in enhancing US exports. Furthermore, using the data-sorting method developed by Hansen, we find that immigrants from countries with a high level of human capital increase US exports while immigrants from countries with a low level of human capital do not.  相似文献   

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