VISA与银联的争斗：一场漂亮的VISA品牌营销战

2010年6月11日，世界上顶级的体坛盛事南非足球世界杯开幕了。全球球迷除欣赏着足球场上足球的魅力和运动员高超的脚法外，还有一道风景线或许更能吸引中国观众的眼球，那就是围绕在球场周围的那一排广告牌上时隐时现的蓝色背板上的白色VISA标识。这是VISA击败MasterCard成为国际足联2007～2014年问支付领域的顶级赞助商后，     

品牌优势明显的VISA卡

当出境游成为越来越多的国人休闲生活的一部分时,银行卡也逐渐成为旅游者的必备之物。在境外刷卡消费时如何能够用得开心、刷得放心?各银行卡组织为持卡人提供了怎样的产品和服务?听听VISA国际组织亚太区副总裁兼中国区总经理熊安平、MasterCard国际组织资深副总裁及大中华区总经理冯炜权、美国运通国际股份有限公司中国及发展中国家副总裁姜大伟、中国银联国际业务总部副总裁黄兴海的说法……     

国际银行卡支付市场的格局调整与未来走向

一、沃尔玛事件2003年4月,持续7年的沃尔玛(Walmart)百货商和美国的一些零售商联合诉讼VISA和MasterCard对借记卡支付市场垄断一案得以裁决,零售商与VISA和MasterCard两大组织初步达成解决方案:VISA在未来的10年内赔偿起诉方20亿美元,MasterCard将在未来的10年中赔偿10亿美元(2     

世界杯与奥运会，谁赚钱

谁是全球顶级的体育盛事 足球世界杯与奥运会,谁是全球顶级的体育盛事？我想,十个中国人当中,会有九个半人回答：奥运会。那是因为中国人对北京奥运会的记忆太深了。     

VISA展示电子支付领域创新成果

近日，VISA在纽约举行创新大会，展示了在电子支付领域的一系列最新创新成果。此次大会展示了VISA针对Google Android手机开发的支付应用软件、VISA和诺基亚就新一代手机展开的合作、美国移动电子汇款试点项目、VISA预付卡充值服务范围的扩展等内容。     

建行隆重推出姚明VISA信用卡

(本刊讯)9月14日,建行和VISA国际组织在北京隆重推出中国建设银行姚明VISA信用卡(以下简称"建行VISA明卡"),标志着一张彰显时尚运动激情、充满青春飞扬活力的、新颖的信用卡在市场上精彩亮相。     

中信银行推出真金订制VISA无限信用卡

近日，中信银行推出了国内首张真金订制的顶级信用卡——中信银行VISA无限信用卡。据悉，该卡是国内首张采用K金镶嵌工艺的高端信用卡产品。它的推出，使得国内银行卡的制卡工艺达NT世界的最高水平。     

VISA变身股份制上市公司

事件回放 2008年3月19日，VISA在纽约证券交易所成功上市，其IPO融资规模达到178．6亿美元，这是美国历史上规模最大的IPO。自此，VISA和万事达卡一样摒弃了会员制组织形式，成为股份制上市公司。     

VISA推出手机动态密码验证服务

2008年12月15日,VISA宣布在全球首次实现了通过手机动态密码方式对网上购物的持卡人进行身份验证。这项服务是VISA分别与中国光大银行和台湾中国信托商业银行合作推出的,上述两家银行的VISA持卡人可以分别在各自银行的网站注册“VISA验证”服务,并约定将一次性动态密码发送到指定的手机上。当持卡人在网上进行交易时,在网上支付环节,持卡人输入其VISA卡卡号后,     

VISA的奥林匹克情结

VISA国际银行卡组织是全球第一家将奥运会全球伙伴计划（TOP，The Olympic Partner Programme）延续至2012年奥运会（第50届奥运会）的赞助商，延长期限为8年。至此，VISA成为继2004年雅典奥运会之后4届奥运会的唯一支付卡和官方支付服务提供商。赞助奥运会使VISA品牌进一步深入人心，并为其会员金融机构带来巨大的商机。VISA自1986年开始赞助奥林匹克运动以来，全球各地的VISA会员金融机构已发行了2000多万张有奥运五环标志的VISA卡。     

VISA:刷卡刷进“中国瓷”

北京奥运会开幕当日,Visa刷卡消费达近1,000万美元。     

VISA封杀银联对持卡人有何影响

近期,关于VISA与银联之争的报道铺天盖地,这源于VISA(银行卡)国际组织向全球会员银行发出的一纸通知:从今年8月1日起,凡是在中国内地发行境外受理(使用时)带有VISA标识的双币种信用卡,不论是刷卡消费还是ATM取现,都不得再使用中国银联的清算通道,否则将面临重罚.对于违规的收单银行,第一次将罚款5万美元.如果收单行再次违规,每月将罚款2.5万美元.但对于8月1日这一时间点,VISA相关人士并未置评.     

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.     

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.     

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.     

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.