如何处理储蓄遗产？

在中国老百姓的意识里,把钱存入银行,到期后收取利息,是一种最为便捷、最小风险的投资理财方式。尽管如今的中国投资市场品种繁多,但是谨小慎微的老百姓始终是把储蓄视作保值、增值财富的安全投资首选。然而,这些把钱存入银行的老百姓或许没有想过,有朝一日存入银行的钱,可能会在商业银行帐上永久保留,但无法支取。甚至当该储蓄变成遗产时,该遗产继承人将会碰到许多障碍或无法取得该笔储蓄遗产。本文将通过介绍我国现有存提款制度、人民银行及各商业银行在执行储蓄遗产的惯例,分析实践做法的原因和困难,就如何解决储蓄遗产提出个人的想法。     

巧寻存单小额质押贷款临界点

居家过日子，谁家都免不了会遇到手头拮据的情况，而恰恰这时自己手中持有的定期储蓄存单还未到期。此刻，多数人往往不愿向别人借款落人情债，而选择提前支取定期储蓄存单以解燃眉之急。然而，这会造成不必要的利息损失。现在，农行、工行等银行都开展了定期储蓄存单小额质押贷款业务，所以，在定期储蓄存单提前支取时，我们就应多算计算计，看看究竟是该提前支取还是质押贷款划算，尽量把利息损失降到最低。     

这是便利储户吗?

有一位军官在河南商邱人民银行第二储蓄站存款90元,最近因为他的家属要回乡生产,他就到第二储蓄站支取这笔存款;第二储蓄站的同志向他说:把存单带回家乡就可以在当地银行支取现款,不会耽误你用钱。于是这位军官的家属就把存单带回山东省苍山县仲村区,然后到仲村区银行营业所来支取存款。我们仲村银行营业所当时因为没有见到商邱第二储蓄站的介绍信,存款也没有划转来,所以无法支付。我们随即通过苍山县支行向商邱支行第二储蓄站联系。他们的回答是:存款没有到期,不能支取,并且说要按政策办事等等。当时这位军官的家属回乡后连买粮食的钱     

储蓄存款“三不宜”

储蓄存款不宜开大额度存单。按储蓄存款利率政策规定,定期存款如果提前支取,提前支取部分按支取日银行挂牌公告的活期储蓄存款利率计息。由此可见,一张存单存款数额太大,一旦在存款到期前急需用钱,提前支取部分,就会损失一部分利息。应对的办法是化整为零,多开几张存单。储蓄存     

个人储蓄账户现金支取备案系统设计

在我国,加强现金管理是基层人民银行的一项重要职能。人民银行个人储蓄账户现金支取备案业务是指各商业银行储蓄网点在处理个人现金支取业务时,在遇到一次取款金额等于或大于5万元人民币时,要将该笔业务上报当地人民银行备案;在遇到一次取款等于或大于50万元人民币时,要将该笔业务及时上报当地人民银行审批。     

巧算定期存单提前支取账

自2010年10月20日银行储蓄利率开始第一次上调至2011年7月7日第5次加息,无论是哪一次加息,在全国各地的不少银行储蓄网点都会掀起定期储蓄存款提前支取后再重新进行转存的热潮。通过调查,笔者发现,很多人认为银行储蓄存款利率上调后,不管定期储蓄存款存了多长时间,只要在提前支取后进行转存都是合算的。     

正确地进行储蓄宣传——中国人民银行向各省、市、自治区分行发出通知

中国人民银行总行最近向各省、市自治区分行发出《关于正确地进行储蓄宣传的通知》。通知首先谈到,中国人民银行1980年颁发的储蓄存款章程中关于定期存款提前支取,按实际存期计息;逾期支取按原订利率分段计息的规定执行以来,存在下列问题: 目前定期储蓄在储蓄总余额中的比重占80％以上,但实际包含有不少活期存款和定活两便存款。据典型调查,定期储蓄提前支取的占15％左右,这部分存款实际上是定活两便存款,但却拿定期储蓄的利息;定期储蓄逾期不取,又不转期的已占50％以上,并且有继续发展的趋势,这部分存款实际上已变成活期储     

“存”与“取”

储蓄工作的“存”与“取”.是统一物中两个矛盾着的对立面。表面上看.“存”是存进来,是储蓄存款的增加;“取”是取出去.是储蓄存款的减少,两者是互相矛盾着的。但是,没有“存”就不可能有“取”,不“取”也就不会有“存”。“存”是“取”的前提,“取”是“存”的结果。两者是互相转化的。许多储蓄工作同志都是懂得这个道理的。因此.当存款者支取存款时,他们就尽可能方便支取:做到储户欢喜而来,满意而去。这样,客观上必然会促使更多的存款源源而来。储蓄业务就是通过这种存存取取的活动。不断向前发展着的。由此,我们可以看到:存入——支取——再存入——再支取.这就是储蓄存款的活动规律。党的“存款自願,取款自由”的储蓄政策,就是建筑在这个基础上的。懂得这项道理,我们就会自觉地、坚定不移地、正确地执行这     

计算储蓄利息的几种方法(四)

零存整取定期储蓄利息计算法零存整取定期储蓄是适应人民群众日常生活中零星节余款存储的一个储蓄种类。这种储蓄对培养个人储蓄习惯,有计划地安排生活,积零成整,购置耐用的高档商品等均有很好的效果,很受群众的欢迎。近几年来,零存整取定期储蓄发展很快,集聚资金的作用也越来越大。零存整取定期储蓄有二种方式,一种是每月固定存储一定金额的钱,逐月存入,到期支取本息;另一种是每月存储的钱金额有角分零数的,到期后本息合计支取一个整数(如×百     

教育储蓄:为工薪族带来实惠

对大多数家长来说,教育储蓄并不陌生.它是一种专门为在校小学四年级(含四年级)以上学生支付非义务教育所需教育金的专项储蓄,个人按国家有关规定在银行开户,存入规定数额资金.用于教育目的是其特色.教育储蓄采用实名制,到期支取时,凭存折、身份证和户口簿(户籍证明)及学校提供的正在接受非义务教育的学生身份证明,一次支取本金和利息.     

邮政储蓄改革的变迁与邮政储蓄银行设立的再思考

从邮政储蓄银行的设立角度入手分析邮政储蓄改革的进程,以邮政储蓄改革的变迁为主线,对我国20年来的邮政储蓄问题进行重新梳理,认为,虽然邮政储蓄银行的设立符合渐进式市场化改革的思路,但由于缺乏全面考虑邮政储蓄改革的基础条件和没有认识到政府因素的介入,邮政储蓄银行的设立并非是邮政储蓄改革一劳永逸的方案,邮政储蓄改革未来的发展道路仍然很漫长。     

储蓄率与杠杆率:一个U型关系

近年来,中国呈现典型的“高储蓄—高杠杆”特征,高储蓄率也被认为是中国杠杆率偏高的主要原因之一。能否通过降低储蓄率的方式来去杠杆成为了广泛讨论的问题。为此,本文构建了一个含有融资约束的动态宏观模型,研究了储蓄率对杠杆率的影响机理。并且,基于41个代表性经济体1966-2017年的面板数据,对储蓄率与杠杆率之间的关系进行了实证分析,主要有两点研究发现:(1)虽然高储蓄率会导致高杠杆率,但是储蓄率与杠杆率不是简单的正相关关系,而是呈现显著的U型关系。结合测算的U型曲线拐点值与中国实际情况,预计储蓄率下降在降低杠杆率方面的作用效果有限。(2)高杠杆下,较高的储蓄率可以有效降低发生金融危机的概率,而储蓄率下降则会加大发生金融危机的概率。基于此,本文认为中国不能通过降低储蓄率的方式来降低杠杆率,反而需要对近年来储蓄率下滑的现象予以高度重视,从而更好地守住不发生系统性金融风险的底线。     

劳动报酬上涨与中国国民储蓄率的演变趋势

资金流量表数据表明,劳动报酬上涨对2008年以来中国国民储蓄率产生了重大影响。本文据此提出了解释国民储蓄率演变趋势的劳动报酬假说,认为2008年以来的国民储蓄率持续下降是居民劳动报酬上涨推动的。具体来说,居民劳动报酬上涨的确定性和可预期性,增强了居民消费的过度敏感性,造成居民储蓄率下降;居民劳动报酬上涨导致企业支付劳动报酬占比上升,企业储蓄率下降;而企业支付劳动报酬占比上升又导致政府增加社会福利和公共服务支出,政府可支配收入比重和政府储蓄倾向下降,进而使得政府储蓄率下降。基于2008—2016年的省级面板数据,以最低工资标准作为工具变量进行实证检验,验证了上述假说。基于本文的理论假说和经验证据,我国国民储蓄率仍有进一步下降的空间。为了对冲储蓄率下降带来的影响,我国经济增长方式需要由投资驱动型转变为消费驱动型,当前稳增长政策的着力点需要由投资数量转变为投资效率。     

Determinants of the Savings and Fixed Asset Holdings of Turkish Migrants in Germany

This paper investigates the determinants of the bank savings and fixed assets of Turkish migrants residing in Germany. We find that migrants with firmer roots in Germany are more likely to hold savings and fixed assets in Germany, and those with stronger links to Turkey are more likely to hold savings and fixed assets in Turkey. As expected, income is a positive determinant of savings and fixed assets in both countries. Although age has a positive impact on savings and fixed assets in Turkey, it has a negative impact on savings in Germany. These results shed new light on Turkish migrants' short- and long-term savings in Turkey and Germany.     

劳动报酬上涨与中国国民储蓄率的演变趋势

资金流量表数据表明,劳动报酬上涨对2008年以来中国国民储蓄率产生了重大影响。本文据此提出了解释国民储蓄率演变趋势的劳动报酬假说,认为2008年以来的国民储蓄率持续下降是居民劳动报酬上涨推动的。具体来说,居民劳动报酬上涨的确定性和可预期性,增强了居民消费的过度敏感性,造成居民储蓄率下降;居民劳动报酬上涨导致企业支付劳动报酬占比上升,企业储蓄率下降;而企业支付劳动报酬占比上升又导致政府增加社会福利和公共服务支出,政府可支配收入比重和政府储蓄倾向下降,进而使得政府储蓄率下降。基于2008—2016年的省级面板数据,以最低工资标准作为工具变量进行实证检验,验证了上述假说。基于本文的理论假说和经验证据,我国国民储蓄率仍有进一步下降的空间。为了对冲储蓄率下降带来的影响,我国经济增长方式需要由投资驱动型转变为消费驱动型,当前稳增长政策的着力点需要由投资数量转变为投资效率。     

Of great apes and robots: Considering the future(s) of cultural heritage

Because cultural heritage management is an inherently retrospective discipline, too many valuable heritage places were lost because they are not recognised and assessed in time. This paper advances strategic thinking in cultural heritage management by addressing two on-the-horizon and over-the-horizon issues: the management of artefacts created by our closest relatives, the great apes; and the management of artefacts created in the future by the first artificial intelligence (AI)-imbued, self-reflecting robots.Given the increasing understanding that chimpanzees have cultures and traditions in tool use, there is a need to recognise their heritage value in reference to human evolution. Likewise, it is now also time to explore how we are going to deal with the non-human, robotid artefacts. The contemplation of the role of non-human heritage will ultimately foster a re-appraisal of human heritage. The paper outlines some of the conceptual issues that need to be addressed if our heritage is to have an ethical future.     

储蓄与储蓄缺口--对发展经济学教科书"储蓄缺口"判断标准的质疑

在标准的发展经济学教科书中，一般都将I—S缺口作为判断储蓄缺口是否存在的依据。本文从国民经济核算的角度对此提出疑义，认为此标准与较早对储蓄缺口问题进行系统研究的先行者罗森斯坦——罗丹的解释不符。按照对储蓄含义的剖析，在资本自由流动的今天，I-S缺口并不能完全反映一国真实的储蓄供求状况，而中国在此基础上所兼有的巨额存差和银行呆坏帐则表明，中国经济发展面临的约束条件已经由储蓄不足演变为储蓄过剩。     

THE NATURE AND MEASUREMENT OF COST SAVINGS IN CURRENT VALUE ACCOUNTING SYSTEMS*

The paper considers the nature and measurement of cost savings in current value (cost) accounting systems. In general, current cost accounting proposals have interpreted cost savings in an unnecessarily restrictive way. For example, current cost accounting does not allow for the possibility that a company which borrows at a fixed rate of interest may derive significant cost savings if interest rates increase during the term of the loan. The measurement of cost savings on debt is considered in this paper. In addition, it draws attention to the concentration of current cost accounting proposals on cost savings at the expense of the analogous losses which may arise in relation to revenue.     

South African individual retirement savings: An analysis of the social factors

This study's primary aim is to determine whether members of a South African tertiary institution's retirement fund are en route to have sufficient retirement savings. Secondly, the results are analysed between different social factors namely: age, gender, race, education level, marital status, and cost of employment. Survey data and information received directly from the retirement fund were used as inputs in a customised model. This method was unique to this study, that is, it was able to consider broader circumstances other than the member's retirement savings within the fund only. Among the sample of 753 respondents, one‐third of respondents will have insufficient retirement savings and <10% will have enough. Single, younger and male respondents are most likely to have sufficient retirement savings and this is suggested to be as a result of advantageous annuity rates upon retirement. Black/African respondents were least likely to have sufficient retirement savings. Notwithstanding the racial population divide following apartheid, societal and cultural explanations speak to a culture of increased spending coupled with high financial dependency relationships. Thus, the findings provide rich information which necessitates policies which address leakage from retirement savings, appropriate defaults, and the availability of innovative and affordable savings vehicles.     

FALLACY OF NONLIFE SAVINGS FROM INVESTED DIFFERENCE

Abstract: Usually nonlife savings with term life produce better investment results compared to the cash value in whole life insurance. This paper addressed a potential problem of the former that its balance may decrease during the later years, if the rate of return is relatively low. To fully reveal this declining property to the investors, it is recommended that the investment performance of nonlife savings be disclosed over a 50–year period at 5 and 8 percent returns. Further discussions are delivered regarding similarities and differences between nonlife savings and the cash values under universal and variable life insurance.