黑龙江省金融机构存贷差情况简析

据统计,今年上半年黑龙江省金融机构人民币各项存款余额4707.6亿元,同比增长16.0％;各项贷款余额为3938.0亿元,同比增长12.4％。存款的增长速度大于贷款增长速度3.6个百分点,存贷差额达769.6亿元,已明显超过2002年全年的存贷差。存贷差的扩大表明金融机构的资金需求和资金供给存在严重的不平衡状况。因此,弄清金融机构存贷差扩大的原因,采取一些有针对性的政策措施合理配置金融资源,是宏观调控部门的一项重要任务。 一、黑龙江金融机构存贷差现状 从金融机构存贷款余额看,近年来黑龙江省金融机构存、贷款均呈持续上升趋势。存款持续大幅度增长,继续成为金融机构的主要资金来源。至2002年末黑龙江省金融机构存     

2004年浙江省信贷资金结构分析报告

2004年以来,我省金融机构积极贯彻中央各项宏观调控政策,结合浙江省的经济结构和产业结构,稳步增加信贷有效投入,加大信贷结构调整力度,支持地方经济平稳快速发展.2004年年末,浙江省金融机构本外币各项存款余额17855.05亿元,全年新增2446.23亿元,同比增长15.8%,增幅同比回落13.8个百分点,各项贷款余额14982.5亿元,全年新增2436.3亿元,同比增长20.8%,增幅同比回落20.5个百分点.贷款增长速度高于同期全省GDP增长速度和物价上涨之和2.4个百分点.     

利率市场化对中小金融机构经营行为的影响及对策——乌海市个案

一、执行存贷款利率的基本情况 截至2014年6月末,调查的5家中小金融机构各项存款余额为259.2亿元,同比增长19.45%,占全市金融机构人民币存款余额的43.08%;各项贷款余额177.67亿元,同比增长48.5%,占全市金融机构人民币贷款余额的34.36%;调查发现,自人民银行允许存款利率上浮10%以后,5家中小金融机构所有期限存款利率都执行基准利率上浮10%,     

8.4万亿巨额存差的背后

据央行最新公布的统计数据显示，截至到2005年6月末，我国金融机构本外币各项存款余额为28．28万亿元，同比增长16．78％，本外币各项贷款余额为19．86万亿元，同比增长9．68％，存差（存款大于贷款的差额）高达8．42万亿元，与2004年6月末6．11万亿元存差相比，增长了37．8％，远远超出我国近阶段GDP的增长速度。我国金融机构本外币存差余额到1994年底为止一直是负数，即实际上为贷差，     

当前商业银行流动性过剩的成因与对策探析

一、问题的提出据中国人民银行金融数据统计,2006年3月末金融机构人民币各项存款余额达30.6万亿元,各项贷款余额达20.6万亿元,存贷差高达10万亿元,存贷差比2000年末和上年同期分别增长了305.7%和41.4%。从存贷款具体角度看,2005年,银行贷款承接了上年的下行走势。绝对额上,2003年和2004年的贷款增长额分别为2.77万亿元和1.92万亿元,而2005年贷款增长额进一步下落到1.73万亿元;贷款增长率上,2004年贷款增长率从上年的21.1%下降到l2.08%,2005年则进一步降低为9.72%。与贷款的颓势增长相对应,银行的各项存款余额则呈快速增长态势。绝对额上,全…     

2006年广东省金融运行报告

一、货币信贷概况截至2006年末,广东省金融机构本外币各项存款余额43262.20亿元,同比增长13.54%;全年新增存款5180.24亿元,同比多增513.74亿元;金融机构本外币各项贷款余额25935.19亿元,同比增长12.75%;全年新增贷款3073.85亿元,同比多增882.42亿元。从全年情况来看,各项存款增长较为稳     

金融机构存贷差扩大化趋势应予关注

一、存贷差呈扩大化的表现 2008年6月份以来,偏关县金融机构新增存贷差不断扩大,特别是进入11月份以来,该县金融机构存贷差却呈现了进一步扩大化的趋势.据对偏关县金融机构各项存款和贷款的调查,2008年6-11月份,该县金融机构存款增长O.5亿元,贷款下降了1.6亿元,短短五个月存贷差增长了2亿多元.     

二○○九年上半年广东省金融运行报告

今年以来,在适度宽松货币政策的作用下,广东省金融机构积极增加对"扩内需、保增长"项目的信贷投入,各项贷款保持较快增长,对经济增长的支持力度不断加大.截至2009年6月末,广东省金融机构本外币各项贷款余额42303.3亿元,同比增长30.89%,增速同比提高17.48个百分点;上半年新增贷款8547.72亿元,同比多增6177.88亿元;本外币各项存款余额64301.14亿元,同比增长21.99%,增速同比提高8.55个百分点;上半年新增存款8187.29亿元,同比多增4172.59亿元.     

金融机构存贷差扩大化趋势应予关注（中国人民银行偏关县支行）

2008年6月份以来，偏关县金融机构新增存贷差不断扩大，特别是进入11月份以来，该县金融机构存贷差却呈现了进一步扩大化的趋势。据对偏关县金融机构各项存款和贷款的调查，2008年6—11月份，该县金融机构存款增长0．5亿元，贷款下降了1．6亿元，短短五个月存贷差增长了2亿多元。存款增长缓慢，贷款急速下滑，存贷差呈阶梯式增长，     

人行丽江中支采取措施大力支持县域经济增长

<正>2010年1～10月,云南省丽江市金融运行总体平稳,各项存贷款增速加快,存款稳定性增强,信贷结构得到进一步优化。1～10月,全市金融机构人民币各项存款余额282.15亿元,比年初增加63.43亿元,增长29.01%,同比增长37.39%。各项存款中,活期存款157.07亿元,占比55.66%,定期存款61.38亿元,占比21.75%;各类存款中财政存款、农业存款、机关团体存款较年初增幅明显。1～10月,全市金融机构人民币贷款余额187.07亿元,比年初增加34.45亿元,增长22.58%,同比增长24.93%。各类贷款中中长期贷款余额130.52亿元,比年初增加     

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.     

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.     

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.