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A MODEL OF FINANCIAL ACCOUNTABILITY AND THE CHURCH OF ENGLAND 总被引:2,自引:0,他引:2
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商业银行金融产品创新和整合的策略及建议 总被引:5,自引:0,他引:5
中国工商银行广东省分行课题组 《金融论坛》2002,7(10):28-34
金融产品创新和整合已有50多年的历史,目前已成为一种世界性潮流,不仅在西方金融界发展迅速,而且也日益引起国内商业银行的普遍关注.本文以金融产品的创新和整合为主线,首先从创新理论入手,阐释了"规避管制"、"交易成本"、"技术推进"这三种理论的基本内容及其实践,并简要论述了对我行的借鉴意义;然后对当前我行产品创新和整合的现状进行了描述,对存在的问题进行了剖析,并从运行机制、人才、法律、科技方面对存在不足的原因进行了分析;最后探讨了我行产品创新和整合所应采取的策略和对策建议,提出了加快品牌建设、实施差异化策略、加强市场营销及其健全组织、机制等方面的思路. 相似文献
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This paper begins by comparing the available well-developed micro-economic models in finance which recognize uncertainty. It is argued that models whose distinctive simplifying assumption restricts utility functions are superior to those which instead restrict probability distributions, both with respect to the realism of their assumptions and richness of their conclusions. In particular, the most successful model, based on generalized logarithmic utility (GLUM), is a multiperiod consumption/portfolio and equilibrium model in discrete-time which (1) requires decreasing absolute risk aversion; (2) tolerates increasing, constant, or decreasing proportional risk aversion; (3) assumes no exogenous specification of the contemporaneous or intertemporal stochastic process of security prices; (4) tolerates heterogeneity with respect to wealth, lifetime, time-and risk-preference and beliefs; (5) results in a complete specification of consumption/portfolio decision and sharing rules which include nontrivial multiperiod separation properties and explains demand for default-free bonds of various maturities and options; (6) leads to a solution to the aggregation problem; (7) results in a complete specification of the contemporaneous and intertemporal process of security prices which reveals necessary and sufficient conditions for an unbiased term structure and the market portfolio to follow a random walk as a natural outcome of equilibrium; (8) provides an empirically testable aggregate consumption function relating per capita consumption to per capita wealth and the present value of a perpetual default-free annuity which does not require inferences of ex ante beliefs from ex post data; (9) provides a nontrivial multiperiod extension of popular single-period security valuation models which is empirically testable; (10) yields a simple multiperiod valuation formula for an uncertain income stream even when this income is serially correlated over time. 相似文献
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商业银行个人金融产品的比较及策略分析 总被引:5,自引:0,他引:5
近年来 ,个人金融业务逐渐成为国内商业银行经营的亮点业务 ,呈现快速发展的势头。国内个人客户日益多样化的金融需求给商业银行的个人金融业务提出了更高的标准。在经济金融全球化、一体化的今天 ,特别是我国加入WTO后 ,国内商业银行应充分借鉴国际上个人金融业务经营的有益经验 ,对自己的个人金融产品进行完善、整合并加以创新 ,从整合性营销的角度构建以理财业务为核心的个人金融产品结构 ,重视培育自己的优势品牌产品 ;同时 ,加强产品组合创新工作 ,为客户提供差别化服务 ,更好地满足客户多元化的金融需求 ,提高个人金融产品的市场竞争力 相似文献
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有人说工行董事长姜建清是中国银行业最有气魄的舵手,2001年他曾立下了"十年内,让工行成为世界上最大和最好银行之一"的誓言。十年后,如他所愿,工行成为全球市值、盈利、客户存款和品牌价值第一的上市银行,迈入了世界领先大银行之列。本期《金融家论坛》栏目特刊发姜建清署名文章《全面建设现代金融企业工商银行铸就"十一五"辉煌》,听他为我们描绘工行如何建设国际一流现代金融企业新蓝图。如他所说,相信经过不懈努力,工商银行一定能够朝着"建设最盈利、最优秀、最受尊重的国际一流现代金融企业"目标更进一步。 相似文献
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