基于单元理念推进泉州产城融合发展的路径选择

区域内发展的不平衡及城镇化水平的层次不一,需要因地制宜推进产城融合。以"新型城镇化"、"单元理念"为切入点,依据泉州市各县域城镇化水平和"一湾两翼三带"的城镇空间结构,把泉州划分为"一湾"、"南翼、北翼新城"及其他区域三个产城融合单元,提出"一湾"实行创新推进产城融合,南翼、北翼新城区域实行以产带城,以城促产,产城一体,其他区域实行综合功能带动产城融合发展的路径选择。     

新疆城镇化建设中微型金融发展研究

新型城镇化与微型金融党的十八大报告中提出了"新型城镇化",强调了"工业化和城镇化良性互动、城镇化和农业现代化相互协调"发展。这不同于以往低成本、快速扩张的城镇化模式。新型城镇化更注重质量与效率的内涵式效益型增长,强调"城乡统筹、城乡一体、产城互动、节约集约、生态宜     

浅析城镇化建设与金融支持——以农业银行宁夏分行为例

城镇化是十八大部署的建设中国特色社会主义的重大战略之一,积极稳妥推进城镇化是事关我国长远发展的大战略。打造高质量的新型城镇化,推进产城融合,将城镇化作为拓展农民就业的重要空间。中央强调,城镇化核心是人的城镇化,关键是提高城镇化质量和水平,城镇化不是目的,发展经济、吸纳就业、提升产业,促进经济与社会的可持续发展,提高人民的生活水平和福利水平,才是最终目标。城镇化需要巨大的资金支持,依靠政府财力很难满足城镇化快速发展的需要,这就要积极发挥金融业的资金融通功能和优势,推动城镇化健康、持续发展。     

贵州省新型城镇化建设探析

本文以贵州省为研究区域,以党的十八大提出的"新型城镇化"为指导原则,以"创新、绿色、开放、共享"为发展理念,以构建产城互动、环境宜居、人民富足的绿色城镇、美丽乡村为目标,突出贵州省的山地特色,分析贵州省城镇化发展现状以及问题,从人口、产业、空间、生态环境、人文情怀角度提出贵州省新型城镇化的发展思路。     

鄂尔多斯困境和经济转型发展探究

党的十八大报告提出"坚持走中国特色新型工业化、信息化、城镇化、农业现代化道路,推动信息化和工业化深度融合、工业化和城镇化互动、城镇化和农业现代化相互协调,促进工业化、信息化、城镇化、农业现代化同步发展",对我国未来城镇化发展方向释放出"转型"的新信号,要积极在产业支撑、人居环境、生活方式、社会保障等诸多方面实现由"乡"到"城"的转变,     

鄂尔多斯困境和经济转型发展探究

党的十八大报告提出＂坚持走中国特色新型工业化、信息化、城镇化、农业现代化道路,推动信息化和工业化深度融合、工业化和城镇化互动、城镇化和农业现代化相互协调,促进工业化、信息化、城镇化、农业现代化同步发展＂,对我国未来城镇化发展方向释放出＂转型＂的新信号,要积极在产业支撑、人居环境、生活方式、社会保障等诸多方面实现由＂乡＂到＂城＂的转变,不断提升城镇综合承载能力。内蒙古自治区作为一个欠发达地区,地域大,人口少,城镇点多且分散,城镇发展必须要规划先行、创新模式,必须要产城结合、城乡统筹,走一条符合区情、适度超前的可持续发展之路。现以目前饱受争议的鄂尔多斯市的发展困境为例,探讨鄂尔多斯市的转型与发展。     

县域经济产城融合共生演化的路径研究：以南昌县为例

当前,县域经济转型升级的突破瓶颈主要在产城融合方面,而产城融合的共生演化路径是非常重要的,关系到县域经济未来可持续发展问题。文章以南昌县为例,提出了南昌县产城融合共生演化的基本要素,主要包括产业发展、城市基础设施建设、土地资源供给、人流聚集、交通网络、资金来源、城中村改造、市场机制。并构建了要素互动网络,而且根据这些因素设计了南昌县各重点区域关键路径,提出了优化策略。     

浅谈金融支持城镇化建设中的创新作用

国务院总理李克强曾多次强调:城镇化是未来中国经济增长的动力,是扩大内需的最大潜力。新型城镇化不是简单的人口比例增加和城市面积扩张,更重要的是实现产业结构、就业方式、人居环境、社会保障等一系列由"乡"到"城"的重要转变。新型城镇化是以城乡统筹、城乡一体、产城互动、节约集约、生态宜居、和谐发展为基本特征的城镇化,是大中小城市、小城镇、新型农村社区协调发展、互促共进的城镇化。新型城镇化的核心在于不以牺牲农业和粮食、     

保险业对新型城镇化的支持

我国过去的城镇化是粗放式、低水平,片面追求城市规模扩大、空间扩张的城镇化。对此,十八大提出了新型城镇化道路概念。新型城镇化是以城乡统筹、城乡一体、产城互动、节约集约、生态宜居、以人为本、环境友好、和谐发展为基本特征的城镇化。新型城镇化是我国实现全面现代化建设目标的必由之路,要实现这个目标,单靠某一方面力量是不够的,需要全体力量支持,更需要保险业的大力支持。     

基于主成分分析法的资源型城市产城融合度的研究评价

作为我国重要的资源保障基地,资源型城市是国民经济持续健康发展的重要支撑力量。本文主要以资源型城市为研究对象,构建了资源型城市产城融合度的评价指标体系,包含了经济发展、人的发展、城市规模三个方面的具体指标。运用因子分析法,实证研究了我国几个典型的资源型城市的产城融合度问题,结果显示:影响产城融合的公共因子包括城市规模与经济发展、人的发展和产业环境三类,并根据各个城市融合度的排名,具体阐述了提升资源型城市产城融合度的建议。     

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.