动态资讯

省审计厅政研室实行干部职工签到制度河南省审计厅政研室认真落实《河南省审计厅精神文明建设指导委员会关于进一步严肃机关工作纪律的通知》精神,进一步严格考勤办法,于4月份实行全体干部职工签到制度。考勤办法采用签到制度,签到时间以上班时间一刻钟和下班时间一刻钟内有效,每     

信息化护航辖区金融服务

人民银行银川中心支行成立10年来,银川中心支行科技．处紧紧围绕“团结敬业务实进取”的治行理念,强化管理、切实履职、优质服务、积极创新,全体科技人员发扬爱岗敬业、无私奉献精神,为人民银行的信息化建设做出了较大的成绩,其中,一些工作不乏有创新理念和亮点工作。     

如何推动经营行本部转型

首先，要在职能上转型。在行政管理层面上，各专业条线只在一级支行机关设置核心职能，同时，以网络化办公系统的运用为先导．减少一级支行机关的上传下达和数据统计等庞杂事务，党、工、团及档案管理等一律上收一级支行。其次，要在人员结构上转型。要通过人员调整，大力整合中后台，充实前台，尤其要增强直销力量。要通过成立直销中心，专司大客户大项目营销     

用pad和sh ip rout命令配合进行网络的维护

目前,海南省金融主干网已基本建成,人行海口中心支行采用的是一台 CISCO4500路由器,省内其它支行各采用一台 CIS-CO2509路由器,各支行局域网经路由器串口(S0或 S1)由 X.25专线接人分组交换网,组成一个闭合用户群。海南金融主干网上运行着电子联行等应用系统,该网络状况的好坏,直接影响到网上的通信和各项应用的开展。为保证人行海口中心支行对省内各支行及时提供技术支持,协调管理好省人行系统内各支行间及人行与各商业银行和非银行金融机构间的通信,维护和健全     

银行结算账户管理思考———以宁夏回族自治区为例

本文结合近年人民银行银川中心支行对各商业银行开展的支付结算执法检查情况,分析了银行结算账户管理存在的主要问题,并从内因、制度、技术等三方面对其成因进行解析,并提出加强银行结算账户管理的相关建议.     

宁夏金融 十年巨变

从1998年到2008年,作为支持和服务于宁夏金融经济生活的人民银行银川中心支行走过了10年的发展历程。10年来,人行银川中心支行通过推进信息化建设、改善金融机构业务发展环境,金融服务水平正在悄然提升。在宁夏自治区迎来建区五十周年之际,本刊对人行银川中支及辖区金融机构近10年信息化建设历程进行了全方位式扫描。     

人民银行

忻州中支全面开通金融信息网人行忻州地区中心支行将金融信息网建设作为今年的一项重点工作。中心支行组织专门人员精心设计,不断完善。信息网包括《忻州金融》、《信息动态》、《法律法现人《大众书社》、《学习园地》。《软件精选》、《网络沙龙》、《公告发布》、《留言板人《光荣榜》等十多个栏目,还有不断更新的大量国内外新闻供大家在网上创览。现在,中心支行真正实现了“无线”办公,提高了工作效率。信息网上的《网络沙龙》、《大众书社》等还为广大职工劳作之余提供了娱乐、休闲的好途径。另外,信息网还为各支行和中支各科室分…     

智能技术在电子政务中的应用

在当今社会，无论是我国还是其他经济发达国家，信息网络技术的飞速发展带动了政府在局域网、城域网、因特网上的政务活动，称为电子政务。电子政务包括机关内部办公自动化，机关单位之间网上信息资源共享，开展网上办公和协同办公；向社会提供政务公开信息、办理有关事务；接受反馈意见和政府采购等。     

图片新闻

8月13日-14日，宁夏分行2007年年中分支行行长会议在银川召开。党委书记、行长张建中传达了总行年中分行行长会议精神，并代表分行党委作了主题报告。各经营行行长、客户部门经理及负责不良资产处置准备工作的科长（经理），各派驻审计办主任、培训学校校长、银川中心金库主任，以及银川市各经营行班子成员、分行机关全体员工等260余人参加了大会。[第一段]     

农发行系统支行级管理网站设计的构想

支行综合管理网站，是支行信息发布的平台，展示各支行文化、风采和特色，发布支行各项管理政策，重大活动信息，增强领导与群众的互动，企业与客户的互动，部门与部门的互动；是工作流程的控制平台，通过网上办公、使行务、业务办理公开化、透明化，促进干部群众保持清正廉洁，使员工有一个公平、公开的竞争工作环境，从而，增强员工的凝聚力，     

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.