依托企业级SOA架构打造流程化信息系统

银行机构以数据集中为导向的信息系统建设统一了银行信息系统后台,提升了银行经营管理能力,但因业务特性和历史遗留造成相互分割的应用系统和以客户、服务、内控为中心的多样化业务需求给银行IT系统开发和建设带来新的问题和要求,突出反映在：如何再造业务流程,推动流程银行建设;如何降低系统复杂度,提升系统开发快速满足业务需求的敏捷性;如何整合信息系统架构,实现相互独立竖井式系统间的高效实时数据共享,等等。浙商银行基于企业级SOA的新一代柜面业务处理系统成功投产运行和持续推进建设,开创了银行柜面业务系统及其关联业务的全新模式和面向服务架构信息系统架构流程银行建设的成功案例。     

基于PDR安全模型的银行计算机网络动态适应安全系统

伴随着计算机网络应用的发展,银行业的信息化建设进入了一个崭新的阶段,形成了依托于计算机网络的对公业务、储蓄通存通兑、国际结算、银行卡、ATM/POS、网上银行、企业银行等一体化综合业务处理系统。人们在享受快速、便捷的银行服务的同时,信息安全问题也开始逐渐暴露并愈见突出。 源于开放系统的基本体制以及安全理论和模型的不完备性,信息系统本身就存在固有的安全脆弱性和可腐败性。而我国的主要计算机设备、网络     

论道中国金融业信息安全——2010中国金融业信息安全暨数据中心发展研讨会嘉宾观点集锦——建立自遁应式信息安全体系

交通银行高度重视信息安全及系统稳定运行。我认为，商业银行未来的发展，一是靠管理风险，二是靠业务创新。银行要为客户提供高质量的服务，一是要重视信息系统的安全；二是要保证各个业务系统的安全稳定运行。     

金融业亟待建立统一信息安全管理平台

在历经了网络建设、数据大集中、网络安全基础设施建设等阶段后,如今,金融信息化已进入了体系化信息安全管理的阶段,亟待建立一套金融组织信息安全保障体系,有效地防范和化解安全风险,统一安全问题处理规范和流程,增强金融系统的信息安全整体防范能力,以保证金融机构的信息系统平稳运行及各项业务的持续展开.     

商业银行省级分行信息系统安全建设总体规划(待续)

一、银行信息系统安全建设 1.银行信息系统的发展趋势 典型的省级分行整体结构是一个通过WAN连接的多级网络:省级分行、地市分行和县支行(包括营业网点),在多级网络上运行着对公业务、储蓄业务、银行卡业务、中间业务、电子汇兑、自助服务、事后监督、管理信息、经营数据综合分析、国际业务等十大基础应用系统.     

构筑坚实的安全防护体系确保全行信息系统稳定运行

信息安全是商业银行生存与发展的重要基础,近年来,工商银行在人民银行和银监会的指导下,从组织体系、制度体系和技术体系三个层面入手,将计算机安全防护工作,从防范计算机案件,逐步提升到全面建立银行信息安全的保障机制上,实施了以确保信息系统可持续运行为基础,积极抵御和化解电子银行、银行卡等业务风险为目标的整体安全战略。下面就工商银行的信息系统安全保障工作情况,做一简要汇报：     

统一外联平台中的入侵检测系统

统一外联平台是银行与业务外联单位之间的通信接口。作为各分行辖内外联业务的唯一接口,统一外联平台采用集中按入、防火墙技术、入侵检测技术、入侵防御技术、访问控制、双机热备、线路冗余等多种方式,联合实现统一的安全策略和接入规范,保证外联网络接入的信息安全和运行安全。本文基于当前的银行统一外联平台,着重分析其中入侵检测系统的作用、构成及常用检测策略。     

全球统一技术支持系统在跨国银行中的应用

在市场全球化的推动和信息技术平台的支持下,商业银行的跨国业务发展日益迅猛。全球统一技术支持系统是跨国银行为实现全球化市场整体盈利最大化而统一建立的,分别基于业务、管理和决策层的银行管理信息系统。其基本框架包括集成客户服务系统、集成服务通道、集成业务处理系统、集成数据管理系统和集成决策支持系统。     

论大机信息系统的安全运行与故障恢复

随着信息技术的发展,计算机应用越来越普及,特别是银行系统,普遍采用计算机进行业务处理,这对计算机的安全提出了更高的要求.计算机安全主要包括硬件安全、软件安全、数据安全等,无论硬件、软件、数据,任何一者不安全都会影响到系统的安全运行.以下就中国工商银行河南省分行以大机为模式的信息系统为例,通过对计算机硬件、软件的统一论述,用系统的观点来讨论运行安全与故障恢复的问题.     

银行业信息安全系统建设

近年来，我国银行业信息化建设发展十分迅速，信息技术已经成为各银行赖以生存的重要基础，和业务创新、管理创新的重要推动力，显著地提升了银行核心竞争力。这种对信息技术的高度依赖，也使得信息安全对于银行的生存和发展作用变得更为突出。特别是，当前银行业信息化已全面进入以业务系统整合、数据大集中为特征的新的发展阶段，业务呈现出网络化、开放式发展的趋势。随着银行信息系统顺应趋势的开放和互联，其信息安全已经突破了以业务系统物理隔离和协议隔离为基础的传统范畴，必须在一个日趋开放的系统平台上重新审视银行的信息安全问题。如何建设严密的信息安全体系，成为日益突出的问题。     

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.