支付结算服务收费研究

本文以银行支付结算服务收费为切入点,结合现阶段国内外收费和监管实践,分析国内支付结算服务收费中存在的问题。为进一步改进支付结算服务,笔者提出设计合理的支付结算服务收费定价决策模型、完善支付结算服务收费的法律法规、推进支付结算服务市场化等政策建议。     

浅析商业银行支付结算服务收费定价策略

自人民银行支付系统上线以来,我国支付结算效率得到很大提升,有力地推动了经济的发展。但与此同时,国家对支付结算收费的规范相对滞后,各家商业银行支付结算收费处于无序竞争状态,金融机构结算服务收费混乱、收费水平高的问题一定程度上制约了支付结算的发展。本文通过分析当前银行结算收费管理中存在的问题及其影响,对如何建设科学合理的服务收费定价管理体系进行了初步探讨。     

支付结算收费项目存在的问题及解决方案

一、目前支付结算服务项目收费的基本情况工行支付结算收费项目包括个人结算、对公结算、账户管理、现金服务、支付结算代理等27类437个收费项目。目前工行个人结算常用收费项目有异地存取款结算、灵通卡ATM跨行取款,对公结算常用收费项目有,汇兑业务收入、上门收送款、支票通存通兑;账户管理常用收费项目有,对公账户开户、对公账户维护、对公账户信息变更等;     

商业银行支付结算服务收费的策略选择

支付结算收费覆盖成本是商业银行未来发展的趋势。《商业银行服务价格管理暂行办法》指出,商业银行服务价格将实行政府指导价和市场调节价。市场调节价权限的明确是否会激发价格战,从而违背商业银行支付结算服务收费的目的,已成为威胁支付结算服务收费发展的重要因素。如何进行支付结算服务收费定价,选择何种策略应对或避免价格战的威胁成为商业银行关注的焦点。运用成本定价方法和Bertrand寡占模型,分析了商业银行支付结算服务收费的定价策略以及建立商业银行支付结算收费联盟的效益。同时通过构建一系列获益矩阵对商业银行在支付结算收费的策略选择进行了研究。分析表明,建立在非价格竞争的差异化收费策略指导下的商业银行战略联盟,是商业银行实现支付结算收费可持续发展、进一步提高社会经济效率、推动自身服务水平上台阶的有效途径。     

商业银行支付结算服务收费的策略选择

支付结算收费覆盖成本是商业银行未来发展的趋势。《商业银行服务价格管理暂行办法》指出,商业银行服务价格将实行政府指导价和市场调节价。市场调节价权限的明确是否会激发价格战,从而违背商业银行支付结算服务收费的目的,已成为威胁支付结算服务收费发展的重要因素。如何进行支付结算服务收费定价,选择何种策略应对或避免价格战的威胁成为商业银行关注的焦点。运用成本定价方法和Bertrand寡占模型,分析了商业银行支付结算服务收费的定价策略以及建立商业银行支付结算收费联盟的效益。同时通过构建一系列获益矩阵对商业银行在支付结算收费的策略选择进行了研究。分析表明,建立在非价格竞争的差异化收费策略指导下的商业银行战略联盟,是商业银行实现支付结算收费可持续发展、进一步提高社会经济效率、推动自身服务水平上台阶的有效途径。     

我国银行支付结算服务收费存在的问题及建议

商业银行间相同的支付结算服务收费却不尽相同,使得客户无所适从,甚至使客户对商业银行收费的合规性产生疑问。本文主要分析了我国银行业支付结算服务收费的现状以及存在的问题,从而提出了完善支付结算服务收费的建议。     

银行支付结算业务收费存在的问题及建议——以通辽市为例

近年来,商业银行不断深化金融改革,转变经营机制,努力增加非息收入比例,推出的支付结算业务收费项目逐渐增多,很多免费的结算业务服务被收费所取代。由此引发了消费者的众多争议。本文试从通辽市银行支付结算业务收费现状分析入手,对如何推进支付结算业务收费发展提出粗浅看法。     

论商业银行支付结算服务收费的策略

随着市场经济的不断发展,商业银行可以为客户提供更加方便的支付结算服务,满足了广大消费者的需求,但是从实际情况来看在商业银行支付结算服务收费过程中还存在一些问题,这些问题引起了消费者对商业银行支付结算服务收费的合规性产生了质疑,影响到了商业银行在公众心中的信誉度。本文从商业银行支付结算服务收费的基本概况出发,分析了其中存在的问题,并提出了完善商业银行支付结算收费的策略。     

国外支付结算服务收费做法的借鉴意义

随着支付结算服务收费成为商业银行一项重要的中间业务收入来源,如何收费也就成为许多人关注的问题。本文从收费标准的制定者、收费变更以及收费范围等方面对国内外支付结算服务收费的做法进行了对比,提出了我国应科学借鉴国外的一些做法。     

国外支付结算服务收费的做法及对我国的启示

近年来,银行支付结算业务发展十分迅速：支付结算方式由原来的票据支付结算、汇兑、托收承付和委托收款发展到通存通兑、电话银行、手机银行、网上银行等;支付结算手段由单点手工处理发展到依靠电子化、网络化,出现了柜员机等客户自助设备。因此,支付结算服务收费成为商业银行一项重要的中间业务收入来源,如何收费也就为许多人所关注。     

Debt and Taxes and Uncertainty

With a graduated personal tax schedule, Miller showed that there could be an equilibrium debt supply for the corporate sector as a whole. In the presence of uncertainty there is also a unique debt/equity ratio for each individual firm, and this ratio is related to the firm's operational risk characteristics. However, if firms merge and spin off in response to tax incentives, the identity of firms is ambiguous and only the corporate sector is a meaningful construct. These arguments are developed in both discrete and continuous models that employ extensions of the arbitrage-free pricing theory.     

教育与资本怎样的前景怎样的现实

来自政府的声音: "动员各种社会资源,发展教育" 此次论坛上财政部长助理张少春的发言是最受关注的发言之一.他的演讲传达出的信息有这样几方面:第一,谈到现实,他认为全社会对教育的巨大需求与我国公共投入不足已成为我国教育事业发展的突出矛盾.近年来,以公共部门投入为主,多渠道筹措教育经费的教育投入机制成为解决这一问题的重要途径,也使得公共部门与私营部门在教育领域的合作日益密切.第二,谈到前景,他认为,1.中国经济持续、快速的增长对高技能人才产生巨大的需求,这为私营部门的参与提供了广阔空间.2.随着公共财政职能的不断完善,财政资金将在各项教育事业中重新进行分配,进一步优化财政支出结构,提高资金的使用效率.在"十一五"期间,我国将把公共支出的重点转移到农村.我们将逐步把全体农村适龄儿童的义务教育全部纳入公共财政体制.     

Director gender and mergers and acquisitions

Does director gender influence CEO empire building? Does it affect the bid premium paid for target firms? Less overconfident female directors less overestimate merger gains. As a result, firms with female directors are less likely to make acquisitions and if they do, pay lower bid premia. Using acquisition bids by S&P 1500 companies during 1997–2009 we find that each additional female director is associated with 7.6% fewer bids, and each additional female director on a bidder board reduces the bid premium paid by 15.4%. Our findings support the notion that female directors help create shareholder value through their influence on acquisition decisions. We also discuss other possible interpretations of our findings.     

Political corruption and mergers and acquisitions

This research examines the relation between political corruption and mergers and acquisitions (M&As). We find that local corruption increases firm acquisitiveness but decreases firm targetiveness. The levels of corruption in acquirer areas relate positively to the bid premiums and negatively to the likelihood of deal completion. Corruption motivates acquiring firms to use excess cash for payment, which mitigates the negative effect of corruption on acquirer shareholder value. The evidence indicates that acquisitions help acquiring firms convert cash into hard-to-extract assets and relocate assets from the high to low corruption areas, thereby shielding their liquid assets from expropriation by local officials.     

East and west and north and south : A preliminary model

The Brandt report and other proposals for a new North-South world order continue to be the focus of lively debate, yet it is often argued that little concrete has emerged from their recommendations. A major reason for this, the author argues, is that the East-West conflict component is not sufficiently taken into consideration-East-West tensions are a severe constraint on and a determining factor of North-South relations. Using influence diagrams, the author develops a flexible framework for discussion and assessment of N/S-E/W relations.     

Trust and cross-border mergers and acquisitions

A number of studies suggest that social trust matters for investment. Using different measures of trust from World Values Survey, we show that countries where people display higher levels of trust engage in more cross-border M&A activities. When they do, these acquirers pay lower premiums. To the extent that these acquirers also tend to engage in larger acquisitions as well, our findings suggest that a larger selection pool of potential targets and higher value targets enable these acquirers to negotiate for lower premiums. We do not find evidence of the significant effect for target country trust levels. Hence, trust may benefit those acquiring firms in cross-border transactions.     

Tournament-based incentives and mergers and acquisitions

This research examines the relation between tournament-based incentives, which are proxied by the difference between a firm's CEO pay and the median pay of the senior managers, and mergers and acquisitions (M&As). We find that tournament-based incentives are positively related to firm acquisitiveness and acquiring firms' stock and operating performance. Further analysis indicates that positive acquisition performance increases the likelihood of the CEO being promoted from inside the acquiring firm. Our evidence is consistent with the view that tournament-based incentives motivate acquiring firms' managers to make greater efforts and take more risk that result in superior acquisition performance.     

Corporate Innovations and Mergers and Acquisitions

Using a large and unique patent‐merger data set over the period 1984 to 2006, we show that companies with large patent portfolios and low R&D expenses are acquirers, while companies with high R&D expenses and slow growth in patent output are targets. Further, technological overlap between firm pairs has a positive effect on transaction incidence, and this effect is reduced for firm pairs that overlap in product markets. We also show that acquirers with prior technological linkage to their target firms produce more patents afterwards. We conclude that synergies obtained from combining innovation capabilities are important drivers of acquisitions.