银行代收财政预算外资金系统

一、系统概述 我行开发的代收财政预算外资金系统分为两部分,第一部分是银行代收预算外资金系统,它是在我行新一代数据集中软件环境下开发的一个收费子系统,与民用电代收子系统及交警罚款代收子系统共同组成银行中间业务系统,该系统独立于新一代数据集中系统,利用我行各营业网点代理收取财政预算外资金.     

联通手机收费方案的实现

中间业务既是银行服务费收入的主要来源，也是巩固和发展庞大客户群的主要手段之一，它的意义决不仅限于中间业务，它还服务于整体，为银行吸引更多的客户。因此，大力发展中间业务是银行业务和行业竞争的迫切需要。从1999年开始，我行不断加大这方面的实施力度，逐步建成并完善了中间业务平台，最近，我行又在这个平台上延伸了代办联通手机收费业务。在设计上充分兼顾了双方现有的网络，实现了代收的目的。1．系统设计目标利用我行大机网络和联通公司现有的网络，实现对接，实时交费。联通手机用户可在我行全盟的任一储蓄网点用现金交费或…     

大前置中间业务平台系统的方案设计

近年来,银行中间业务作为银行服务创新的重要手段和新的经济增长点,其业务品种日新月异.建设银行海南省分行为了充分拓展中间业务的应用范围,本着"安全快捷、使用方便、扩展灵活、方便管理"的原则,充分利用银行的现有网络通信、硬件资源、系统环境和软件平台,在重新改造的全行集中式城综网系统中,建造了在大前置平台下实现各种中间业务代理的服务体系.本文以IC卡为例,概要阐述我行大前置中间业务平台系统的方案设计与实施.     

综合业务前置系统前端的设计思想

2003年建设银行总行开始实施全国数据大集中(DCC)项目。黑龙江省分行(以下简称我行)结合总行的数据大集中项目,对原有的中间业务系统进行了升级改造,设计和建立了一个以中间业务系统为核心,电话银行系统、网上银行系统、签约系统为辅的综合业务前置系统,原有的中间业务系统前端     

中间业务系统设计的安全解决方案

中间业务作为我国银行业务新的利润增长点及重要的吸存手段正日益受到各商业银行的重视。中间业务现阶段主要是指银行代理电信、交通、电力等社会公共服务性行业的收费及与证券公司的银证转帐等业务。中间业务系统是负责银行主机与业务单位主机系统间的连接 ,进行通讯协议的转换、交易数据格式转换及加密处理等 ,从而实现银行与代收付单位的单位收费信息及银行代收费转帐交易信息的互相转换 ,最终实现银行代理业务和收付业务的自动化。中间业务系统作为银行业务系统与业务单位主机系统间的中介 ,应在设计和实施中本着安全第一的原则 ,保证银…     

新大陆统一业务系统(UBS)

现代银行竞争日益激烈,中间业务是竞争的焦点.各种代理业务蓬勃发展,给银行带来效益的同时,也给银行IT系统带来麻烦.日益增多的中间业务、日益增长的前置机系统数目、日益混乱的系统状态、日益复杂的系统维护、日益增长的开发周期……这一切无疑是现代银行发展的障碍,与现代银行"数据集中、管理集中"的理念背道而驰.     

代收联通移动电话费系统的开发

现代商业银行的代收代付业务作为一种重要的中间业务得到了迅速发展,代收费品种不断增多。这些代理业务的推出不仅有利于加强银行和收费企业之间的紧密合作,而且可以充分利用商业银行城市综合业务网络资源和银行网点优势,有效地解决收费企业收费难、用户缴费难问题。据此,建设银行湖北省分行与中国联通武汉分公司密切合作,在武汉市全面推出了建行代收俄通130移动电话费系统,武汉地区的联通130用户可使用现金或建行的存折、储蓄卡缴交130电话月租费并索取联通收费发票。该系统的成功应用使建设银行代收费业务的发展迈上了一个新台阶,…     

银行实时中间业务网络安全的路由器技术

近年来,银行的中间业务已经从最初的代收、代付模式,发展到了今天包括银证转账、银证通、电话报税、网上银行、实时代收等在内的多种服务内容。随着各种代理业务的增多,特别是实时中间业务的开展必须与第三方进行通信连接,所涉及的银行网络的安全防范工作必须予以高度重视。实时中间业务的结构及特点目前实时中间业务大都基于TCP/IP协议的前置机方式。具体来讲,就是在银行和委托单位分别摆放一台前置机,通过租用电信线路进行通信连接,并利用各自前置机上的接口程序实现双方的数据传递和交换,同时,银行方的前置机与银行内部的业务系统实现…     

商业银行中间业务平台业务交易的定制与实现

现代商业银行中间业务平台既是各种银行中间业务产品的开发平台,也是中间业务产品的运行和管理平台,处于银行核心系统与周边渠道及第三方系统之间,既是一个多渠道服务的计算机技术平台,也是一个或多个系统间交易的组织者。本文就实现银行中间业务各业务交易的流程作了一些制定,实现商业银行中间业务平台的业务交易。     

银行代理业务的安全性设计

近年来，各家商业银行对中间业务的争夺日趋激烈，中间业务的开发也催生了代理业务系统。由于代理业务系统既要与代理服务相关的外部系统进行数据交流，又要为银行柜面业务系统提供各种服务，给银行带来了巨大的潜在风险。因此，代理业务系统的安全性成为决定代理业务正常运行的关键，本文围绕代理业务系统的安全性，着重介绍网络安全设计和通信安全设计。     

Almanac of anticipations: The age of affluence—of anticipation—of anxiety—of automation—of discontinuity—of longing—of overkill—of space exploration

With this survey of developments in the futures field since 1945, I.F. Clarke completes his present series for Futures. He makes two major points: that forecasting techniques have become essential tools in the management of change; and that nuclear weapons and ecological problems have added a moral dimension to the study of the future. In the next issue of Futures he will start a new series on the range of future-thinking in the USA, from the expectations of the first settlers to the Star Wars programme.     

基金公司经营融资融券业务的问题审视

融资融券业务正式运营已经开展,为证券市场带来了革命性的改革,作为证券市场的一大主体,基金公司面对融资融券也迎来了新的发展方向和挑战,本文从融资融券业务的运行机制入手,分析了基金公司融资融券的新契机,并对其即将面临的问题进行审视和剖析,进而提出策略建议.     

对基层人民银行科技工作的几点建议

银监会分设后,人民银行将专司货币政策、金融稳定、金融服务三大职能。作为人民银行的分支机构,基层人民银行的工作重心也将从金融监管调整到这三大职能上来。人民银行的科技部门,就要积极运用科技手段,为人民银行履行新的职能发挥“服务、支持、促进、发展”的作用。一、围绕三大职能搭建五大平台经过“六五打基础、七五作准备、八五大发展”几个阶段后,人民银行相继实现了核算电算化、清算网络化和办公信息化。特别是近一两年来,陆续开通了大额支付系统、信贷登记咨询系统、会计四集中系统、金融信息服务网站等系统,人民银行信息化水平又…     

The Usefulness of Measures of Consistency of Discretionary Components of Accruals in the Detection of Earnings Management

Abstract:  Prior research has shown the prevalence of measurement error in models used to estimate aggregate discretionary accruals. In these models, the incremental information content of the various components of accruals is ignored. Limited prior research and data gathered from firms under Securities and Exchange Commission (SEC) litigation indicate that managers use either one or more than one component of accruals simultaneously, in a consistent way to manipulate bottom-line earnings in a given direction. I propose two measures that capture the consistency between the discretionary components of accruals and test their significance in earnings management (EM) detection in firms that have artificially added accrual manipulation and firms that were targeted by the SEC for accrual manipulation. There is evidence that this information is incrementally useful in detecting EM. This finding paves the way for improvements in the discretionary accruals measure by including consistency information from the components of aggregate accruals.     

社会主义所有制形式的改革、完善与共产党执政能力的提高

在中国,所有制形式的调整、改革与完善,先进生产力的发展,党的执政能力建设,是社会主义建设过程中密切结合在一起的三个不同层面的发展关系.应在相互促进和共同提高中促进社会的和谐发展,保证社会主义现代化建设战略目标的顺利实现.     

Summary of Results of Survey of Seminar Attendees

Abstract

The Society of Actuaries undertook a three-phase research project on mortality improvement in the three NAFTA countries: Canada, Mexico, and the U.S. Phase 1 consisted of a literature review of papers on projecting mortality levels in the future and a study of the trend in mortality improvement during this century. Phase 2 consisted of a discussion of different facets of modeling mortality rates at a seminar attended by 79 experts (actuaries, demographers, economists, and medical researchers) representing different countries. The last session of the seminar consisted of the completion of a survey by the attendees to obtain input for Phase 3, which would analyze the impact of mortality improvement on the social security system of each country. This paper summarizes the results of the survey.

The survey results illustrate the difficulty in forecasting mortality levels, because the effects of many factors that could have significant impact on mortality rates are unknown. This suggests the need for dynamic forecasting, which allows for the possibility of random shocks. A majority of the survey respondents believe that stochastic forecasting models, despite their complexity, have significant potential to add value. Respondents also believe that both historical data and cause-specific mortality forecasts are useful as input and also in validating forecasts of the aggregate levels of mortality. The challenge is to develop more sophisticated forecasting models to produce results that are relatively easy to interpret and to communicate these results to the desired audiences, including the public and policymakers.

The survey results suggest that the aggregate effect of lifestyle changes, medical advances, diseases, catastrophe, and physical environmental changes is an increase in life span. However, there is much uncertainty about the future. Respondents expect that beyond the year 2020 the mean annual rate of reduction in mortality for males age 65 and over will average about 0.58% for Canada, 0.76% for Mexico, and 0.67% for the U.S. The results for the female age 65 and over population are 0.64%, 0.83%, and 0.70%, respectively. The age 65 and over population is expected to see larger percentage reductions in mortality than the 0–14 and 15–64 populations. The reductions in male and female mortality will be ultimately the same, and the mortality levels in the three countries will ultimately converge, although differences may persist for decades.     

Separation of Unit of Account from Medium of Exchange

The separation of a unit of account (UoA) from a medium of exchange (MoE) in the commodity–money system is investigated by considering explicitly a seller's choice of UoA in terms of either an MoE or a unit of metal weight. If the likelihood of debasement of an MoE and its rate are high enough, the price is posted in terms of a unit of metal weight rather than an MoE. Interestingly, this MoE–UoA separated equilibrium yields the flexible nominal price, whereas an MoE–UoA integrated equilibrium yields the sticky one. This implies the nominal price rigidity in the fiat‐money system where MoE and UoA are integrated.     

银行软件项目外包管理分析

一、引言随着国民经济的不断发展,银行业务与外部企业的联系越来越密切。银行正逐步成为现代经济活动的中心,作为数据处理核心的银行业务应用也越来越大型化、越来越复杂化,因此许多银行也把软件项目逐步由原来的自主开发转变为与公司合作的方式,或直接外包开发的方式,银行本身的技术人员也逐步由开发转向项目管理。二、项目外包的分类银行项目的外包有以下几种情况:①部分子系统外包,有时由于银行的软件项目太大,单靠银行自身的开发力量基本无法在预定的时间内完成项目,只好把相对独立的部分外包;②直接购买软件公司的成熟产品,有些金融软…     

银行管理信息平台建设发展的思考

一、目前国内银行IT发展现状及面临的问题 银行数据集中工作的完成,标志着银行的业务由电子化建设阶段转入信息化建设阶段.一方面银行数据的集中提供了丰富全面的基础数据,面对日益庞大的数据源,如何将数字转化为对银行有用的信息,并从中发现知识,为银行的经营决策提供支持,是摆在银行IT人员面前的一个亟待解决的问题.另一方面用户对银行信息的需求日益增长,如果银行没有一套完整、实用的信息管理系统,将对业务发展非常不利.南京爱立信公司倒戈花旗银行事件曾经轰动一时,其中一个重要原因就是中国本地银行不能满足爱立信全球总部对南京爱立信公司的要求:每周财务上报和每天贷款限额管理.这一事件为中国商业银行的未来发展敲响了警钟,如果不加快管理信息系统的开发,迅速提升业务管理水平,类似的事件还会接连不断地发生,并最终导致国内商业银行在同国外商业银行的竞争中全面溃败.     

Properties of time-series estimates of degree of leverage measures

Empirical studies suggest that time-series regression estimates of the degrees of operating and financial leverage have a tendency to produce measures less than one. According to ex ante theory, these measures should be greater than one for firms operating above the breakeven point. There have also been suggestions that the biases in these estimates may be attributable to an underlying increase in unit sales. This work presents evidence that these counter-intuitive measures are produced by changes in the firm's operating parameters (unit price, variable cost, fixed cost and interest payments). It further suggests that attempts to control for the underlying change in unit sales substantially increase the volatility of predicted estimates.