中国银行业协会银行卡专业委员会成立大会在京隆重召开

2009年7月28日,中国银行业协会银行卡专业委员会成立大会暨第一次全体成员会议在北京召开。中国银监会纪委书记王华庆出席大会并作重要讲话。中国银行业协会专职副会长杨再平、中国银监会办公厅和业务创新监管协作部有关领导以及民政部和各商业银行的有关领导和代表出席了会议。     

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2007年12月12日,中国银行业协会在北京召开第七次会员大会。108家会员、准会员单位代表参加了会议,中国银监会党委委员、纪委书记王华庆出席会议并讲话,会长蒋超良代表第四届理事会向大会作了中国银行业协会2007年度工作报告。(中国银行业协会供稿)     

要闻回顾(2006年3月23日～4月7日)

3月23日中国银行业协会自律工作委员会成立大会在北京举行,会议审议通过了《中国银行业协会自律工作委员会规则》,这标志着中国银行业行业自律进入一个务实和依法维权的阶段。3月26日中国银监会召开全国政策性银行和邮政储蓄机构监管工作会议。会议提出,为了适应新形势下的监管工作要求,银监会正在筹建银行监管四部,专门负责对政策性银行、邮政储蓄机构和金融资产管理公司的监管工作。3月28日中国进出口银行与突尼斯驻华使馆在北京人民大会堂共同举办“中国——突尼斯”合作论坛。双方政府官员和企业界人士就投资环境、经贸合作等话题进行了…     

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2011年5月25日,中国银行业协会、天津市人民政府在天津宾馆联合举办“第二届中国金融租赁高峰论坛”。中国银监会副主席蔡鄂生、天津市副市长崔津渡等出席并演讲。     

中国信用卡将迎来产业发展春天

2010年5月26日，中国银行业协会银行卡专业委员会在京发布《2009年中国信用卡产业发展蓝皮书》。中国银监会业务创新监管协作部主任李伏安、中国银联总裁许罗德应邀出席大会并发表讲话。     

中国银行业监督管理委员会党委书记、主席刘明康为中国银行业协会成立十周年题画致贺

中国银行业协会(China Banking Association,CBA)成立于2000年5月,是经中国人民银行和民政部批准成立,并在民政部登记注册的全国性非营利社会团体,是中国银行业自律组织。2003年中国银监会成立后,中国银行业协会主管单位由中国人民银行变更为中国银监会。     

要闻回顾

3月23日 中国银行业协会自律工作委员会成立大会在北京举行，会议审议通过了《中国银行业协会自律工作委员会规则》，这标志着中国银行业自律进入一个务实和依法维权的阶段。     

以奥运安保为契机，促进系统安全建设

2008年11月6日,由人民银行、银监会联合主办的银行业金融机构奥运信息安全保障工作总结会议在京召开。中国人民银行苏宁副行长、中国银监会郭利根副主席出席大会并做重要讲话。来自各银行业金融机构的与会代表参加了奥运安保总结大会,进行了学习、研讨和交流。     

加强金融标准化工作促进与国际金融接轨——第二届全国金融标准化技术委员会成立大会在京召开

10月23日,第二届全国金融标准化技术委员会成立大会在北京召开.国家标准化管理委员会主任李忠海、中国人民银行副行长吴晓灵、证监会和保监会的有关领导,各政策性银行、国有独资商业银行、股份制商业银行有关负责同志及第二届金标委全体委员出席了会议.     

要闻回顾(2006年10月23日～11月7日)

10月24日由中国银行业协会、中国证券业协会、中国保险行业协会、中国期货业协会联合主办的“中国金融衍生品大会(2006)”在北京举行。10月25日中国银监会发布《商业银行合规风险管理指引》,作为银行业风险监管的一项核心制度,该指引将有助于引导银行     

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.