基于FMEA的业务外包风险评估研究

企业在做出业务外包决策之后,必须对外包风险进行评估和管控,以避免或降低外包风险带来的损失。本文尝试应用FMEA技术进行业务外包风险评估,在构建失效模块层次结构的基础上以合同履行失效模块为例,从质量、数量、时间三个维度探索识别失效模式,研讨确定失效的严重度、发生度和检测度的评分标准。最后通过算例验证了基于FMEA的企业业务外包风险评估的可行性和有效性。     

设备维护外包服务商绩效评估指标研究

探讨了基于外包合同的设备维护业务外包服务商的绩效评估指标问题,指出设备维护外包合同是外包服务商绩效评估的基准。根据外包合同的基本要素的性质,构建了设备维护外包服务商绩效评估指标体系,以指标实现值与合同目标值为基础,提出了各指标的度量方法。     

企业物流外包风险预警指标体系的构建及外包风险分析与评价

对企业物流外包的风险进行分析,建立了一个相应的物流外包风险预警指标体系。采用将专家意见量化的思路,运用层次分析法确定指标的权重,然后用模糊评价法计算企业物流外包的综合风险评分。     

风险投资公司的评估指标体系探析

<正> 目前,国内外基本上是从风险投资公司的角度研究风险投资的运作,主要集中在项目风险评估、风险企业组织管理、风险资本运作等方面,还没有文献从风险企业的角度研究如何对风险投资公司进行评估。然而,仅从风险投资公司的角度,研究如何规避或控制由项     

商业银行信贷风险评估指标体系研究

本文针对我国商业银行信贷风险较高、评估体系不完善的实际现状，从偿债能力、抵押担保和商业诚信三个方面设计信贷风险评估指标，应用分段功效分析法和层次分析法实现指标的量化并确定权重所构建的信贷风险评估体系，以期能为商业银行加强信贷风险管理提供理论指导和借鉴。     

信用卡相关法律制度研究

本文旨在通过对我国信用卡的发展历史回顾、发展现状进行深入分析,挖掘我国现有信用卡法律制度的缺陷、弊端,在此基础上对我国信用卡法律制度体系的完善提供了相关建议,以期对促进我国信用卡业务的健康有序发展有所裨益。     

信用卡相关法律制度研究

本文旨在通过对我国信用卡的发展历史回顾、发展现状进行深入分析,挖掘我国现有信用卡法律制度的缺陷、弊端,在此基础上对我国信用卡法律制度体系的完善提供了相关建议,以期对促进我国信用卡业务的健康有序发展有所裨益。     

部队武器装备使用风险评估指标体系研究

本文研究部队武器装备使用风险评估指标体系,采用问卷调查,专家咨询等方法,对部队武器装备使用的4个领域进行风险因素识别,确定了构建部队武器装备使用风险评估指标评系的3项原则,理论遴选出4个一级指标和34个二级指标;再通过专家咨询、隶属度分析、相关性分析和可靠性分析多重实证遴选。确定了4个一级指标和20个二级指标。     

装备质量管理风险评估指标体系及评估模型研究

装备质量管理风险评估指标体系的构建,是风险评估的基础性工作。本文根据装备质量管理的特点,分析了装备质量管理的风险因素,并依据指标体系的设计原则,建立了装备质量管理风险评估的指标体系结构,并给出了基于网络层次分析法和盲数理论的装备质量管理风险评估模型。     

Implementing natural capital credit risk assessment in agricultural lending

Agriculture has critical impacts and dependencies on natural capital, and agricultural lenders are therefore exposed to natural capital credit risk through their loans to farmers. Currently, however, lenders lack any detailed guidance for assessing natural capital credit risk in agriculture and are challenged by the fact that the relevant material risks vary considerably by agricultural sector and geography. This paper develops a natural capital credit risk assessment framework based on a bottom‐up review of the material risks associated with natural capital impacts and dependencies for Australian beef production. It demonstrates that implementing natural capital credit risk assessment is feasible in agricultural lending, using a combination of quantitative and qualitative inputs. Implementation challenges include the complexity and interconnectedness of natural capital processes, data availability and cost, spatial data analytical capacity, and the need for transformational change, both within lending organisations and across the banking sector.     

浅谈工程施工前期安全风险评估的重要性

随着社会进步、科技的飞速发展及现代化程度的提高,工程建设项目的规模、复杂度显著增加。施工过程中存在人、机、环境等的未知或不确定因素,必然给项目施工安全造成一定程度的安全隐患,造成人员伤害和财产损失。因此,对工程施工前安全风险进行科学、准确的识别,过程中如何防范和加强过程控制是十分必要的。     

Determinants of credit card delinquency and bankruptcy: Macroeconomic factors

In this paper, we examine how county unemployment rates affect consumers' delinquency and bankruptcy behavior by focusing on the credit card market. In particular, after controlling for credit supply and shocks like divorce and health coverage we investigate whether consumer propensity for delinquency and bankruptcy changes with respect to the macroeconomic fluctuations across counties. Our results show that county unemployment rates significantly influence delinquency. The views expressed are those of the authors and do not necessarily represent those of FleetBoston Financial.     

Consumer rationality and credit card pricing: An explanation based on the option value of credit lines

An option is embedded in credit cards. Since credit cards offer open credit lines, cardholders can borrow at the same terms when they become riskier. This option value raises the zero‐profit card rate. Furthermore, adverse selection occurs if cardholders are better informed about the probability of becoming riskier in the future and borrow more when they become riskier. The adverse selection can limit rate competition and keep the card rate above the zero‐profit card rate. An up‐front fee is not a good alternative because it is also vulnerable to adverse selection. A low introductory card rate is an effective way to avoid the adverse selection problem when asymmetric information is mainly about the change in the borrower's risk profile in the future, as opposed to the riskiness in the present period. Copyright © 2004 John Wiley & Sons, Ltd.     

Two schools of risk analysis: A review of past research on project risk

Risk research can be generally categorized into two schools: risk as an objective fact and risk as a subjective construction. Both schools have different risk definitions, epistemological dimensions, and analytical methods, and tend to recommend different policies for managing risks. This study aims to locate the position of past studies on project risk found between the two schools of risk analysis and to help understand their basic assumptions and viewpoints by reviewing articles published during the last 10 years in two project management journals: the International Journal of Project Management and Project Management Journal. There are 171 articles collected from both journals. They are categorized into four groups: project management system, subjective perception, irrational behavior in risk management, and subjective construction. This study describes and discusses the basic assumptions, viewpoints, and tendencies usually held by each group, and it indicates the position of each group found between the two schools. It also develops some discussion on the starting point of both schools of risk analysis and their significance in directing practices of project risk management.     

The pricing of credit risk derivatives

This paper considers the pricing of derivatives that protect holders of corporate bonds from a reduction in their value because of a deterioration in their credit quality. These derivatives are structured as either puts on the bond price or calls on the bond spread (above the risk free rate) in the context of models developed by Merton (1974) and Black and Cox (1976). The pricing properties of these options are derived using both analytical and numerical methods.     

网上银行业务风险评价模型及其控制研究

文章分析了网上银行的风险,建立了包括风险识别、风险分析、风险模型和风险防范等多个要素组成的网上银行业务风险的评价和控制模型,针对风险评价,提出了动态获取随时间变化的参数,获得单点的危险率,计算总体的危险率的一种新方法。     

商业银行信用风险管理方法研究

本文通过分析目前国内商业银行在信用风险管理措施方面的误区和不足,给出了在信用风险全面识别基础上进行信用风险管理的基本框架,并对当今主流的信用风险模型进行了系统性的介绍,旨在为我国商业银行提高信用风险管理水平提供借鉴和研究思路。     

论金融信用缺失及其风险防范

金融信用失灵,必然会导致全社会经济秩序的混乱,因此,防范金融信用缺失就显得尤其重要。文中分析了金融信用缺失的表现、原因,最后给出了防范金融信用缺失切实可行的建议。当然,良好社会风尚需要全民良好信用的构建。     

企业物流业务外包风险分析

企业物流业务外包是我国刚刚兴起的一项业务,对企业来说,它不仅存在很多优势,但也存在不少风险。本位将着重对企业物流业务外包的风险以及防范风险的方法进行分析。