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Ed Clark 《Business Economics》2015,50(1):34-38
Ed Clark discusses the importance of banking in the real economy, the weakening of trust of banks on the part of the public, and what banks must do to reclaim that trust. In particular, he cites the need for adequate capitalization and the need for cultural change within banking. There must be a shift back to a focus on the needs of customers rather than the potential gains from casino-like activity. He also discusses changes that have taken place in technology and operating practices in basic banking to provide better service to customers. He expresses a need for more informed bank regulation to avoid asset bubbles. 相似文献
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网上银行 随着网络技术的发展和金融电子化服务水平的提高,我国四大专业银行和招商银行、光大银行等金融机构相继推出了网上银行业务,其中网上个人汇款和网上支付业务受到广大居民的青睐--过去必须到银行或邮局才能办理的繁琐划汇业务,现在通过网上银行即可轻松"搞掂". 相似文献
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在即将加入WTO、全面开放金融市场的条件下,面对国际银行业的购并浪潮,发展全能银行成为我国银行业生存、发展的现实课题。本通过对两种银行制度的比较研究,分析了我国银行业的现状及其面临的国际经济、金融环境,论述了在我国开展全能银行业务的必要性与可行必,邮发展我国全能银行的基本战略以及在发展全能银行中需注意解决的一些问题。 相似文献
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Private banking brand new to China's banking industrv is currently faced with a bright future a multitude of problems.…… 《中国对外贸易(英文版)》2007,(20):22
Private banking, brand new to China's banking industrv, is currently faced with a bright future and a multitude of problems. 相似文献
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《中国对外贸易(英文版)》2009,(2)
Banks of China will face declining profit rate and slightly increasing non-performing loans ratio in a short term during 2009, but government policies will reduce the negative impact of financial crisis, and China's financial environment is still relatively safe in a global comparison. 相似文献
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《Journal of International Economics》2015,97(2):244-265
The international linkages between banks play a crucial role in today's global economy. Existing models explain these links largely on the basis of portfolio theory, in which banks diversify lending. These models have found limited empirical support and do not speak to several relevant dimensions of the data. They do not explain heterogeneity in the degree to which banks operate through foreign affiliates, fund their activities abroad or matter for local lending in foreign countries. This paper proposes a complementary theory of banking across borders that is based on elements of international trade theory. In the model, banking across borders arises because countries differ in their relative factor endowments and in the efficiency of their banking sectors. Based on these differences, the pattern of foreign bank asset and liability holdings emerges endogenously. This parsimonious model provides a rationale for the observed heterogeneity in foreign bank activities and is consistent with key patterns in the data. 相似文献
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Ethics in Banking 总被引:1,自引:0,他引:1
Edward George 《Business ethics (Oxford, England)》1992,1(3):162-172
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David C. Stafford 《国际广告杂志》2013,32(4):297-306
During the last decade, advertising has emerged as a most important promotion medium for the banks. The competitive pressures within the personal savings markets have become more intense. The banks have become noticeable by their aggressive promotion, through increased advertising expenditure, radical changes in style and forms of advertising, and their increasing use of television. In 1971, the joint stock banks spent M£2.5on advertising and only 4 per cent of this was directed through television. By the end of 1981, expenditure had increased to M£22.6 with over 50 per cent directed through television. 相似文献
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中国银监会的成立是我国金融监管机制步向专业化与法治化的一个重要举措.然而,从目前央行与银监会的实际职能来考察,这种分设的模式并没有使中国的银行业监管走向专业性、高效率性与更有效性,也没有真正解决央行原有的双重角色冲突问题,只是使原有的内部冲突外部化;同时,由于银监会的弱势,中国银行业监管的有效性正潜伏着可能失灵的危机. 相似文献
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金融脆弱性是认识银行危机传导的起点,在银行危机的形成及传导过程中起着决定性作用.本文分析了银行危机的接触性传导渠道和非接触性传导渠道,前者包括直接传导渠道和间接传导渠道,直接传导渠道主要是因为银行间彼此联系而发生的,其传导程度和范围与危机银行在整个体系中的地位、银行的资本充足率及危机银行的信贷暴露额度有关;间接传导渠道是指银行间因与第三方企业存在金融联系而被危机传导,企业的经营状况决定着危机传导的范围和程度.而因预期改变导致的银行危机传导是银行危机的非接触性传导,包括相似性传导和金融恐慌传导两种情况.为防止银行危机的传导,应增强单个银行的稳健性,实施存款保险制度,建立银行问的互助机制和缓冲机制,对银行问的信贷头寸进行管理,在必要时政府还应积极介入. 相似文献
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