中国民生银行信用卡大事记

<正>1月1月,民生银行信用卡中心荣获中国银联颁发的"2021年银联卡风控合作突出贡献奖"。3月3月,民生银行信用卡中心与科大讯飞举行"民生银行信用卡中心&科大讯飞"人工智能联合创新实验室签约启动仪式。双方将充分发挥科大讯飞的技术优势和民生银行信用卡中心的金融科技应用优势,共同打造基于AI智能技术的应用平台,持续探索智能语音语义、知识图谱等前沿技术在信用卡中心实际业务场景中的价值及落地形式,促进人工智能技术与金融业务的深度融合。     

中国民生银行

1月,在2013年江苏省银联卡发行评比中,民生银行信用卡中心南京营销中心荣获中国银联江苏分公司颁发的"2013年银联信用卡业务成长奖"。3月,经中国质量协会评审专家组的严格评选,民生银行信用卡中心"后台发卡流程优化项目"与民生银行其他3个精益六西格玛项目一同荣获"2013年度中国质量协会质量技术奖优秀六西格玛项目"奖项。此次获奖不仅是对项     

中国民生银行

1月 1 月 15 日,在"创新顺义 腾飞金融"首都产业金融中心新年金融机构座谈会上,民生银行信用卡中心以稳健的经营表现和突出的企业纳税贡献,荣获北京市顺义区金融服务办公室颁发的"金融机构杰出贡献奖".     

中国民生银行

1月,民生银行信用卡中心凭借“民生·银联in卡形象代言人选拔活动”荣获由中国银联颁发的“2011年银联卡合作创新奖”。 2月16日,民生银行和乐友（中国）超市连锁有限公司共同推出了国内首张全国性母婴主题联名信用卡——民生·乐友联名信用卡。     

荣誉记全国创建文明行业先进单位人保义乌市支公司

4月11日下午14时整,中国人保浙江义乌市支公司司前广场隆重举行了全国创建文明行业工作先进单位揭牌仪式,中国人民保险公司党群工作部副部长宗开源和义乌市委副书记张伟亚为义乌市支公司荣获全国创建文明行业工作先进单位揭牌.会场上,由衷信服的掌声骤然响起…… 几年来,在"条条"系统内,义乌市支公司多次被中央金融工委、总公司和浙江省分公司评为双文明建设先进单位;同样地,在"块块"地方上,义乌市支公司保持着省级文明单位称号,并先后三次受义乌市政府集体记功.日前,该公司又获精神文明建设最高层次的表彰,全国人保系统仅三家单位获此殊荣,这也是该公司暨获得全国金融系统文明建设先进单位、全国金融五一劳动奖状单位、全国人保系统先进单位和全国人保系统精神文明建设先进单位后,成为中国人民保险公司系统内首家荣获"大满贯"的公司.     

中国建设银行2019年信用卡大事记

1月,建设银行信用卡中心携手美国孩之宝公司推出龙卡变形金刚大黄蜂信用卡,这是建设银行信用卡中心发行的第四套变形金刚系列信用卡产品。1月,建设银行信用卡中心荣获中国银联颁发的2018年度"银联卡产品合作奖""银联卡推广合作奖""银联卡授权通过率合作推进奖""银联卡交易质量分析奖""银联卡境外交易突出贡献奖""银联卡项目精细化管理奖"。     

下好智能风控"先手棋",布局数字金融新高地

新形势下,原有的风险防控手段受到新市场环境的严峻挑战,如何升级技术手段加强风险防控能力,成为信用卡行业健康发展的关键.在民生银行总行建设"数字金融的银行"战略的指引下,民生银行信用卡中心充分发挥数字化转型"试验田"的作用,积极拥抱互联网变革,依托大数据、云计算、人工智能等前沿技术,大胆探索数字金融在零售银行风控领域的应...     

成功的聚会 更高的起点——中国人民银行精神文明建设先进单位表彰暨经验交流现场会综述

１９９９年“十一”前夕,中央金融工委下发了关于表彰金融系统“全国创建文明行业工作先进单位”、“全国精神文明建设先进单位”、“全国金融系统文明建设先进单位”的决定。其中人民银行系统被授予“全国创建文明行业工作先进单位”称号的是老河口市支行、献县支行、吴江市支行、广饶县支行,被授予“全国精神文明建设先进单位”称号的是新余市中心支行、宁远支行、蒙自县支行、黄南藏族自治州中心支行,被授予“全国金融系统文明建设先进单位”称号的是福州中心支行、宝鸡市中心支行、黑山县支行和松潘县支行。１９９９年１２月上旬,中…     

中国民生银行

★1月，民生银行信用卡中心获得北京市国家税务局、北京市地方税务局联合颁发的“纳税信用A级企业”称号。★1月，民生银行信用卡中心收到由人民银行支付结算司司长励跃及副司长樊爽文亲自签发的感谢信，对民生银行信用卡中心抽调业务骨干参加《银行卡收单业务管理办法》和《支付结算管理办法》的制定表示感谢。     

华夏银行信用卡大事记

<正>3月3月,华夏银行信用卡中心携手美国运通发行华夏银行美国运通耀红卡,卡片采用"一芯双应用"技术,支持境内外用卡人民币记账,让持卡人轻松实现境内境外、线上线下的随心使用。3月,华夏银行信用卡中心荣获Visa颁发的"2020卓越奥运产品奖""2020卓越境外营销发展奖"。5月5月,华夏银行信用卡中心在中国商务广告协会指导的2021年中国大型广告作品与案例评选活动中,获"IAI金融营销奖金奖"。     

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.