加强网点建设 推进服务转型

2011年以来，工行四川省宜宾分行认真贯彻落实省分行加强网点建设的战略部署，确立“以网点建设和服务转型提升网点竞争力”的经营思路。在推进服务理念转变、服务机制创新、网点综合化建设方面采取了一些新的做法，在提升网点竞争力上取得了新的成果。到9月末，在网点比农行少18个、人员少300多人的情况下，     

湖北省分行建成第一个服务标杆网点

3月13日至21日，湖北分行服务质量推进委员会办公室派工作组对该行所辖十堰分行六堰支行打造服务标杆网点的全部项目进行了协助建设和达标验收。工作组认为，该网点的内外环境建设、开门迎客工作、岗位规范操作、客户分流引导、各类服务设施、网点秩序维护、固化保障措施等方面，均已达到标杆网点的设计要求，这标志着湖北分行第一个服务标杆网点正式建成。     

云南省农行提升网点服务质量出实招

<正>近年来,农行云南省分行立足满足客户有效需求和提升客户服务体验,以网点转型为抓手,着力改善网点服务质量,树立了良好的服务品牌。全力创建千佳示范网点,凝心聚力打造服务品牌。在农行云南省分行2015年创建银行业协会星级网点11个的基础上,经过现场检查评审,2016年该行有3个网点入围省银行业协会千佳网点创建推荐名单,为省内入围网点数最多的银行。在现场检查的过     

省分行营业部金城支行、新站支行网点文明标准服务导入侧记

5月6日-7日，省分行党委委员、副行长孙妙宇带领省分行个人金融部相关同志来到省分行营业部新站支行和金城支行观看网点文明规范化服务导入后各行晨会及开门迎客情况，并就网点文明标准服务的导人工作和部分员工进行了座谈。     

银行网点服务质量对储蓄存款的影响与对策

银行是服务性的金融企业，服务质量关系列业务发展、经营效益和员工切身利益。如何提高服务质量以促进储蓄存款增加是银行发展面临的一大课题。本通过对建设银行海南省分行部分网点服务质量的调查，揭示了建设银行海南省分行部分网点储蓄存款快速发展的原因及网点在服务方面存在的问题，并就加强和改进网点优质服务工作提出几点建议。     

提升服务品质的路径选择

网点是银行服务客户的基本渠道,是银行零售业务经营的前沿阵地,网点服务的品质直接影响到银行的品牌形象和价值创造水平。本文结合咸宁分行网点转型工作的实际,通过分析转型过程中的问题,寻求解决提升网点服务品质的有效路径。     

加速网点转型 激发细胞活力——全省农行网点经营管理调研座谈会综述

为提升网点经营管理能力,省分行近期组织部分一级支行行长、网点负责人、大堂经理以及省分行下派交流科级干部共29人,召开了网点经营管理调研座谈会。省分行党委书记、行长姜瑞斌,党委委员、副行长李新平出席会议并全程参与座谈。会议围绕如何提高网点营销效率;提高网点贵宾客户维护水平和潜在贵宾客户拓展营销水平;如何提高网点综合创效水平和品质经营能力;如何通过高效管理引导网点员工自发提高服务营销水平;如何通过抓业务良性发展提高网点安全合规水平等5个主题进行了深入座谈,总结了一批值得推广的经验,提出了若干需要研究解决的问题,同时也提出了很多好的建议。     

网点创新促进传统金融业务的发展

正近年来,华夏银行天津分行(以下简称"天津分行")以发展多元化金融、普惠金融为目标,加大创新力度,本着科技创新促进业务发展的理念,在银行网点为客户提供免费WIFI服务,同时为客户推送理财、基金、贵金属、ETC、信用卡等金融业务信息,利用网点WIFI为业务营销提供科技支撑。为此,天津分行借助网点WIFI开展了如下创新工作。利用网点WIFI拓展电子渠道。客户进入网点使用智能终端可搜索到名为"tj-hxbank"的华夏银行SSID,通     

以点带面 内涵发展——中国工商银行新疆分行推进网点竞争力提升纪实

网点是银行业务发展的重要依托，是银行与客户接触提供服务的基层物理终端。多年来，工商银行新疆分行在空间距离远，经济基础相对较差的外部环境下，致力于支持新疆地方经济建设，逐步形成了以15家二级分行，291家网点为主体的服务渠道网络。     

整体水平有所提高 细节管理仍需加强——2005年下半年营业网点规范化检查情况综述

2005年11月24日至12月2日，省分行营业网点规范化建设委员会组织了一次全行性的网点检查。本次检查共分5个组，抽调检查人员15人，对二级分行的检查面为100％，对网点检查的范围为随机抽查二级分行所在地网点和部分县支行网点。计检查单位144个，网点检查面达12．7％，并对上半年检查中部分问题较多的单位进行了重点检查。检查组采用明察暗访相结合的方式，通过听、看、查，向柜员询问业务知识，察看规范化标识、网点环境和柜员服务情况，对网点进行了认真检查。     

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.     

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.     

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.     

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.