金融风暴背景下中小企业的服务营销策略

服务营销对于中小企业应对金融风暴带来的销售危机有着极为重要的意义,当前中小企业的服务营销存在着服务流程不够规范、服务营销缺乏个性、服务质量不高等问题,文章提出在金融风暴背景下中小企业应创新服务营销形式,建立较为规范的服务营销模式,提高服务营销人员队伍的服务质量等策略。     

浅析市场营销过程中的服务营销策略

服务不仅是产品,更是一种过程,从而使得服务营销从一种营销方式或营销思想逐步演变成一种利用营销知识获取竞争优势的管理理念。本文以服务在市场营销过程的重要性为切入点,分析了实施服务营销存在的问题,提出了市场营销服务的提升策略。     

论注册会计师新业务拓展与服务营销的连结

随着经济体制改革的不断推进与宏观政策形势的逐步改善,与传统审计服务相区别的会计服务、管理咨询等非审计服务涌现,会计师事务所业务呈现多元化发展趋势,这既是机遇,也带来了挑战.文章将服务营销理念运用到新业务拓展中,提出业务服务营销与行业服务营销概念,研究探讨业务服务营销策略与行业营销体系的建设.     

商业银行服务营销现状及对策

随着我国经济体制改革的逐步深化,银行业也在蓬勃发展,各种业务不断开展,使其在国民经济中的地位愈来愈重要,其中服务营销在银行业经营中的重要性日益突出。本文对服务营销的概念及银行业开展服务营销的必要性进行阐述,对银行服务营销中存在的问题进行分析,并提出开展服务营销的几点建议。     

我国国有商业银行的服务营销策略

随着金融市场的快速发展和外资银行的进入,我国商业银行面临的市场竞争日益激烈,传统的市场营销手段已不足以应付目前市场竞争的态势。因此,应该在发展产品营销的同时,加快发展服务营销,以周到快捷的服务赢得客户开拓市场。本文揭示了目前我国商业银行服务营销存在的问题,并从电子化服务,差别化服务以及营销后服务等方面阐述了我国商业银行应如何建立起服务营销体系。     

旅行社服务营销策略相关问题探讨

服务营销是提升旅行社服务水平的重要方式,加强旅行社与客户之间的关系管理对于提高旅行社的竞争力具有重要意义.而服务营销作为一种旅行社进行产品营销与客户关系管理的重要手段,将在旅行社发展过程中扮演重要角色.本文以旅行社服务营销为研究对象,对旅行社服务营销策略进行了研究和分析.     

旅行社服务营销策略相关问题探讨

服务营销是提升旅行社服务水平的重要方式,加强旅行社与客户之间的关系管理对于提高旅行社的竞争力具有重要意义。而服务营销作为一种旅行社进行产品营销与客户关系管理的重要手段,将在旅行社发展过程中扮演重要角色。本文以旅行社服务营销为研究对象,对旅行社服务营销策略进行了研究和分析。     

商业银行贷款服务营销的现状与对策

随着我国金融体制改革的深入,贷款服务营销正日益成为商业银行增强自身竞争力的重要手段。本文阐述了贷款服务的产品特征和营销特点,分析了当前我国商业银行贷款服务营销的现状和存在的问题,并就改进贷款营销理念,提升商业银行营销水平提出了相应的对策。     

高职汽车营销与服务专业实践教学改革方略谈

随着教育教学改革的提出,高职汽车营销与服务专业实践教学也不断作出改革。但是在教育教学中由于受到传统教学思想的束缚,不能取得理想的教学效果。本文先阐述了高职汽车营销与服务专业进行实践改革的意义,高职汽车营销与服务专业实践教学改革实施途径,接着提出了高职汽车营销与服务专业实践教学改革创新措施以及项目化教学方式,以便更好的提升高职汽车营销与服务专业实践教学效果。     

我国物流企业服务营销中存在的问题及对策分析

与国际物流企业相比,我国多数物流企业尚未体会到服务营销的重要性,在营销策略上存在营销宣传力度不够、创意单一、宣传方式层次较低、营销人才缺乏等问题,可采用加强营销宣传力度、丰富宣传创意、培育并合理使用营销人才、提供优质物流服务、不断提高服务水平、实施创新领先策略等加强物流企业的服务营销。     

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.     

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.     

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.     

金融企业员工考核系统的设计

一、概述 为配合公司人事考核制度的贯彻执行,保证该制度执行过程中各项工作能够长期、高效、准确地完成,我们开发了公司员工考核系统,实现了人事考核工作中员工投票、考核统计、考核信息分析、报表生成等功能,减少了人事部门人员的手工操作,提高了考核工作的自动化程度.