新型电子银行平台的研究及实现

一、研究目标20世纪90年代以来,信息技术和全球经济一体化的迅猛发展,深刻影响了国际竞争格局和人类生存方式。作为我国现代经济的核心,金融系统不仅受到经济开放的压力,同时受到信息技术的深刻影响。从更广阔的视角研究中国金融体制改革和中国金融信息化的总体战略,实现金融信息系统的全面整合,正是促进国民经济持续发展、实现国民经济信息化的重要组成部分,也是应对我国加入WTO的现实需要。新型电子银行平台的研究及实现以银行账户集中管理和超大规模数据中心为基础,实现银行前台业务多样化服务,提高银行服务质量,提升竞争力。主要研究…     

Creating new market space.

Most companies focus on matching and beating their rivals. As a result, their strategies tend to take on similar dimensions. What ensues is head-to-head competition based largely on incremental improvements in cost, quality, or both. The authors have studied how innovative companies break free from the competitive pack by staking out fundamentally new market space--that is, by creating products or services for which there are no direct competitors. This path to value innovation requires a different competitive mind-set and a systematic way of looking for opportunities. Instead of looking within the conventional boundaries that define how an industry competes, managers can look methodically across them. By so doing, they can find unoccupied territory that represents real value innovation. Rather than looking at competitors within their own industry, for example, managers can ask why customers make the trade-off between substitute products or services. Home Depot, for example, looked across the substitutes serving home improvement needs. Intuit looked across the substitutes available to individuals managing their personal finances. In both cases, powerful insights were derived from looking at familiar data from a new perspective. Similar insights can be gleaned by looking across strategic groups within an industry; across buyer groups; across complementary product and service offerings; across the functional-emotional orientation of an industry; and even across time. To help readers explore new market space systematically, the authors developed a tool, the value curve, that can be used to represent visually a range of value propositions.     

TAGAL:塑造现代钢铁企业新形象

<正>拥有40万员工、曾以"鞍钢宪法" 而闻名国内的鞍钢集团,是中国最大的钢铁企业。蒂森克虏伯,世界500强企业之一。     

打造“大师”

2014年注定将是不平凡的一年。对于中国企业的CFO而言,新的一年既会带来重重挑战,同时也为你们大显身手、引领企业变革创造机遇和条件。     

Governance of flexible mobile service platforms

Development of advanced mobile Internet services requires flexible service platforms. Every service offering needs generic functionalities like security, billing and customer data management. Such functionalities used to be integrated in the mobile network infrastructure but are now offered by competing service platforms. Future service platforms might be offered by operators but can also be embedded in the mobile phone or at the systems of the service providers. Studying flexibility of service platforms requires technological as well as strategic analysis, and should take into account the perspective of multiple stakeholders. Where to locate service platforms is not just a technological matter as it greatly influences flexibility of both service providers and end-users. This paper analyzes how various service platform technologies that are located at operators, mobile phone and service providers influence flexibility. We find that no single service platform offers superior flexibility to both service providers and end-users.     

Creating the future

Wendell Bell has had a crucial contribution to the development of the network of futures scholars consisting of diversified talents and network of diversified talents and active organizations in the greater Chinese region. Furthermore, Bell's books and articles in English and Chinese have challenged and transformed people's stereotypes of the crystal-ball futurism into an academic discipline emphasizing images of the future and alternatives developed on the basis of empirical and theoretical knowledge and imagination.     

研究创造价值——中国工商银行研究工作会议暨全国学会秘书长工作会议在北京召开

2007年4月26日,中国工商银行研究工作会议暨全国学会秘书长工作会议在北京召开。各一级(直属)分行、各直属学院,总行票据营业部城市金融学会工作主管行长(院长、总经理)以及学会秘书长参加了会议,会议还邀请了总行本部学会的常务理事以及总行相关部室的总经理。     

Creating corporate advantage

What differentiates truly great corporate strategies from the merely adequate? How can executives at the corporate level create tangible advantage for their businesses that makes the whole more than the sum of the parts? This article presents a comprehensive framework for value creation in the multibusiness company. It addresses the most fundamental questions of corporate strategy: What businesses should a company be in? How should it coordinate activities across businesses? What role should the corporate office play? How should the corporation measure and control performance? Through detailed case studies of Tyco International, Sharp, the Newell Company, and Saatchi and Saatchi, the authors demonstrate that the answers to all those questions are driven largely by the nature of a company's special resources--its assets, skills, and capabilities. These range along a continuum from the highly specialized at one end to the very general at the other. A corporation's location on the continuum constrains the set of businesses it should compete in and limits its choices about the design of its organization. Applying the framework, the authors point out the common mistakes that result from misaligned corporate strategies. Companies mistakenly enter businesses based on similarities in products rather than the resources that contribute to competitive advantage in each business. Instead of tailoring organizational structures and systems to the needs of a particular strategy, they create plain-vanilla corporate offices and infrastructures. The company examples demonstrate that one size does not fit all. One can find great corporate strategies all along the continuum.     

打造“诚信中国”

许多去过同仁堂药店的人,都对店内的一副对联印象深刻：“品味虽贵,必不敢减物力;炮制虽繁,必不敢省人工。”正是靠着这份承诺,同仁堂历经300年风雨而不倒,从一家普通的家族药铺发展为国药第一品牌。在市场经济中,信用是财富,是财源,更是财力。在市场经济相对发达的国家,信用堪称是一个人在社会中的第二“通行证”,是无形的资源。然而,2001年以来,我国连续爆发“月饼失信事件”．“上市公司失信事件”、“注册会计师帮助造假事件”等事件,信用体系与失信行为问题越来越成为社会各界普遍关注的问题。面对我国加入世贸组织的形势,努力营造良好的信用环境、大力加强社会信用制度建设已迫在眉睫。     

Creating the living brand

It's easy to conclude from the literature and the lore that top-notch customer service is the province of a few luxury companies and that any retailer outside that rarefied atmosphere is condemned to offer mediocre service at best. But even companies that position themselves for the mass market can provide outstanding customer-employee interactions and profit from them, if they train employees to reflect the brand's core values. The authors studied the convenience store industry in depth and focused on two that have developed a devoted following: QuikTrip (QT) and Wawa. Turnover rates at QT and Wawa are 14% and 22% respectively, much lower than the typical rate in retail. The authors found six principles that both firms embrace to create a strong culture of customer service. Know what you're looking for: A focus on candidates' intrinsic traits allows the companies to hire people who will naturally bring the right qualities to the job. Make the most of talent: In mass-market retail, talent is generally viewed as a commodity, but that outlook becomes a self-fulfilling prophesy. Create pride in the brand: Service quality depends directly on employees' attachment to the brand. Build community: Wawa and QT have made concerted efforts to build customer loyalty through a sense of community. Share the business context: Employees need a clear understanding of how their company operates and how it defines success. Satisfy the soul: To win an employee's passionate engagement, a company must meet his or her needs for security, esteem, and justice.     

论新增长理论与中国经济增长质量的提高

西方新增长理论 ,又称为内生增长理论 ,是在 2 0世纪年代 ,以罗默 (PualM .Romer,1 986)和卢卡斯 (RobertE .Lucas,Jr.1 988)等人为代表的经济学家 ,在对新古典理论重新思考的基础上 ,得出一种共同的基本结论 ,即经济增长是经济系统内生因素作用的结果 ,而不是外部力量推动的结果。一方面内生的技术创新是经济长期增长的源泉 ,而劳动分工程度和专业化人力资本的积累水平是决定技术创新水平高低的主要因素。另一方面 ,政府实施的某些经济决策对一国的经济增长具有重要影响。在中国发展的新阶段 ,正是实施三步走战略的关键阶段。充分认识中国经济增长过程中的现实状况 ,保证经济长期、快速、健康地增长最主要是着力提高经济增长的质量。因此 ,借鉴西方的新增长理论 ,加强政府在推进技术进步、人力资本积累以及合理调整产业结构等方面作用 ,对于确保中国小康目标的实现具有重大的现实意义     

Loan growth and bank risk: new evidence

This study provides new evidence on the relationship between abnormal loan growth and banks’ risk-taking behavior using data from a rich panel of Colombian financial institutions. We show that abnormal credit growth during a prolonged period leads to an increase in banks’ riskiness, accompanied by a reduction in solvency and an increase in the ratio of nonperforming loans to total loans. We also show that abnormal credit growth played a fundamental role in the bank-failure process during the late 1990s financial crisis in Colombia. Our results have important implications for financial regulation and macro-prudential policy.     

Early-stage financing and firm growth in new industries

This paper shows that active investors, such as venture capitalists, can affect the speed at which new ventures grow. In the absence of product market competition, new ventures financed by active investors grow faster initially, though in the long run those financed by passive investors are able to catch up. By contrast, in a competitive product market, new ventures financed by active investors may prey on rivals that are financed by passive investors by “strategically overinvesting” early on, resulting in long-run differences in investment, profits, and firm growth. The value of active investors is greater in highly competitive industries as well as in industries with learning curves, economies of scope, and network effects, as is typical for many “new economy” industries. For such industries, our model predicts that start-ups with access to venture capital may dominate their industry peers in the long run.     

创造贫困的方法

各国政治家都喜欢阻碍繁荣的政策,因此我们必须认为他们或他们的顾问们希望贫困。对他们来说有个好消息:富裕和贫穷的原因——分别是自由市场和国家干预——现在已经众所周知,因此将贫困最大化的策略就在他们的掌握之中了。 我们生活在一个空前的全球经济自由化的时代,虽     

Creating breakthroughs at 3M

Most senior managers want their product development teams to create break-throughs--new products that will allow their companies to grow rapidly and maintain high margins. But more often they get incremental improvements to existing products. That's partly because companies must compete in the short term. Searching for breakthroughs is expensive and time consuming; line extensions can help the bottom line immediately. In addition, developers simply don't know how to achieve breakthroughs, and there is usually no system in place to guide them. By the mid-1990s, the lack of such a system was a problem even for an innovative company like 3M. Then a project team in 3M's Medical-Surgical Markets Division became acquainted with a method for developing breakthrough products: the lead user process. The process is based on the fact that many commercially important products are initially thought of and even prototyped by "lead users"--companies, organizations, or individuals that are well ahead of market trends. Their needs are so far beyond those of the average user that lead users create innovations on their own that may later contribute to commercially attractive breakthroughs. The lead user process transforms the job of inventing breakthroughs into a systematic task of identifying lead users and learning from them. The authors explain the process and how the 3M project team successfully navigated through it. In the end, the team proposed three major new product lines and a change in the division's strategy that has led to the development of breakthrough products. And now several more divisions are using the process to break away from incrementalism.     

通过风险管理创造价值

本文摘自波士顿咨询公司(BCG)近期发布的《繁荣兴盛的全球银行业——2007年银行业价值创造报告》,这是该公司第五份关于银行业股东价值创造的年度报告。与往年报告不同的是,今年的报告详细考察了风险管理在增加价值创造方面的作用。     

树立科学跨越后发赶超雄心壮志 开创新疆工作新局面——新疆自治区党委书记张春贤在2010年5月26日自治区党委七届九次全委(扩大)会议上的讲话摘要

按全国9%的GDP年均增幅以及人口等因素来测算,以2008年为基准,到2015年新疆人均GDP年均增速要达到10.5%,才能达到全国平均水平的目标。