杜绝犯罪创新ATM的防范措施

近年来,随着针对ATM的案发率居高不下,各商业银行都加强了针对ATM的视频监控措施,安装了专业的监控系统,但由于ATM监控的特殊性,出现了很多普通监控领域发现不了的问题,给银行、客户和制造商带来了很多困惑。为了方便相关使用者进一步完善系统,改进监控模式,更好地发挥ATM监控特有的作用,本文结合ATM及自助银行的监控特点,综合分析各类案件的特征和发展趋势,并提出了新形势下ATM的安保要点及解决方法。     

异种网络模式下ATM监控系统的设计

本对当前工商银行大型计算机集中模式下的ATM监控所存在的问题进行了分析，并结合当前流行的Interent技术，设计出基于WWW的异种网络ATM监控系统。     

ATM视频监控系统的开发

ATM视频监控系统是为了更有效地方便技术保障部门对ATM视频机进行管理和监控,及时发现问题解决问题,减少视频机的故障率且预防和阻止犯罪,更好地为客户提供方便的服务,以达到提高服务质量,增加竞争力的效果.     

日本ATM大鳄正式入驻中国

本刊讯日前,世界上最大的ATM运营公司日本ATM株式会社正式入驻中国,在大连成立“安天信息服务（大连）有限公司”。此次,H本ATM株式会社带来了包括ATM专用呼叫中心、系统自动排除故障、软件版本自动升级等在内的先进的ATM监控管理系统.     

基层银行ATM柜员机存在的问题及建议

一、基层银行ATM现状 一是各银行分布数量不一,城镇分布较多,农村相对较少.二是安全设置较全面,各银行ATM机均设有振动报警、远程监控和数字监控系统,设有求助报警电话.三是各银行ATM品牌不一,外包维修维护商不同. 二、基层银行ATM存在的问题 (一)尘雾侵害.ATM是集机电于一体的高科技产品,它的机电控制很复杂,由于机内负压及静电吸附效应,若干精密机件和检测传感器很容易受到灰尘、雨雾等的侵袭,灵敏度和准确性会降低,造成ATM运行故障.     

日本ATM软件巨头登陆中国

世界著名的ATM服务提供商——日本ATM株式会社已经正式入驻大连,成立"安天信息服务(大连)有限公司"。日本ATM株式会社拥有一系列先进的ATM软件产品,以远程监控系统、顾客反馈分析系统、可视化地图系     

日本ATM株式会社助力银行服务升级

日前，日本ATM服务提供商——日本ATM株式会社已正式入驻中国大连，并成立了安天信息服务（大连）有限公司。日本ATM株式会社拥有一系列ATM解决方案的软件产品，在日本国内的应用已相当成熟。特别是可视化地图系统、顾客反馈分析系统、远程监控系统等先进软件系统，已经成功运用于日本多家大型银行。     

中国ATM监控管理存在的问题及对策研究

近年来,随着ATM布放量的大幅增加,针对ATM的各种犯罪行为也不断增多,作案手段花样翻新、层出不穷,直接危害到ATM的营运安全和社会金融秩序。如何对其实施有效监管成为业界关注的热点。本文从三种视角对ATM监控管理进行了分类,分析了当前中国ATM监控管理的现状、存在的问题及解决办法。     

技术领先个性服务

银行、邮政ATM系统上的监控机 监控机以图视形式直观金融设备在各个地区的运行情况。如出了故障,可较快地实时知道在哪个地区是哪一台金融设备以及何种原因（如通讯不通,流水打印机故障等）造成的故障。前置机每天定时将一天的交易情况转换成数据文件,监控机应用程序将此前置机上的数据文件取到监控机,并倒入SQL_Server 7.0数据库中。银行、邮政部门便可进行各种统计分析,如例外码的分析、各交易的运行比率、ATM停     

银行安全防范呼吁数字监控

银行的视频监控系统必需能够适应银行的各种复杂环境,如机房、柜台、ATM、运钞车等,并做到主动防范,同时还要有效保护录像数据不被蓄意或者无意破坏,这样才能真正起到安全防范的作用。然而目前,尽管银行的数据机房处于严密的视频监控系统防护之下,但是由于采用了基于DVR的模拟监控系统,无法有效与银行其他安防系统联动,无法确保重要客户信息     

Liability and asset uncertainty for banks

Models of bank behavior are developed which incorporate both deposit and loan demand uncertainty. Extensions of the traditional and simple deposit uncertainty model involve the inclusion of required reserves, fixed penalty costs for reserve deficiencies, limits on normal borrowing, and uncertain spot loan demand and use of lines of credit. Results include normal borrowing limits as a new theoretical constraint on bank size and the existence of small fixed costs as a reason for the real world lack of deficient reserves. Policy conclusions include the effects of current reserve accounting and the effects of various interest rate changes.     

Risk management strategies for banks

We analyze optimal risk management strategies of a bank financed with deposits and equity in a one period model. The bank’s motivation for risk management comes from deposits which can lead to bank runs. In the event of such a run, liquidation costs arise. The hedging strategy that maximizes the value of equity is derived. We identify conditions under which well known results such as complete hedging, maximal speculation or irrelevance of the hedging decision are obtained. The initial debt ratio, the size of the liquidation costs, regulatory restrictions, the volatility of the risky asset and the spread between the riskless interest rate and the deposit rate are shown to be the important parameters that drive the bank’s hedging decision. We further extend this basic model to include counterparty risk constraints on the forward contract used for hedging.     

现代商业银行信用风险评估方法及其对我国商业银行的启示

文章通过介绍现代商业银行信用风险评估方法 ,从中揭示对我国商业银行风险管理问题的有益启示 ,以资我国商业银行风险管理参考。     

中外资银行要做朋友

入世对中国来说意味着将加快服务贸易领域的对外开放,而其中金融领域特别是银行业的开放则成为各方关注的焦点.     

Accounting for banks,capital regulation and risk-taking

This paper examines risk-taking incentives in banks under different accounting regimes in presence of capital regulation. In the model the bank jointly determines the capital issuance and investment policy. Given an exogenous minimum capital requirement, lower-of-cost-or-market accounting is the most effective regime that induces the bank to issue more excess equity capital above the minimum required level and implement less risky investment policy. However, the disciplining role of lower-of-cost-or-market accounting may discourage the bank from exerting project discovery effort ex-ante. From the regulator’s perspective, the accounting regime that maximizes the social welfare is determined by a tradeoff between the social cost of capital regulation and the efficiency of the bank’s project discovery efforts. When the former effect dominates, the regulator prefers lower-of-cost-or-market accounting; when the latter effect dominates, the regulator may prefer other regimes.     

A risk assessment model for banks

Summary. This paper proposes a model to assess risk for banks. Its main innovation is to incorporate endogenous interaction among banks, where the actual risk an individual bank bears also depends on its interaction with other banks and investors. We develop a two-period general equilibrium model with three active heterogeneous banks, incomplete markets, and endogenous default. The model is calibrated against UK banking data and therefore can be implemented as a risk assessment tool for regulators and central banks. We address the impact of monetary and regulatory policy, credit and capital shocks in the real and financial sectors.We are grateful to Lea Zicchino, an anonymous referee, seminar participants at the Bank of England, and the third Conference in Research in Economic Theory and Econometrics, Syros, for helpful comments. The views expressed are those of the authors and do not necessarily reflect those of the Bank of England.This revised version was published online in January 2005 with corrections to the Cover date.     

为民营银行放行

发展民营银行作为一种制度创新和金融深化, 对完善金融结构体系和提高金融效率将起着巨大的作用 民营银行是现有金融体系的重要组成部分,它主要向民营企业和城乡居民定向募集资本设立的吸收存款,发放贷款,办理结算、支付清算等业务,并依靠自身的信用,以效益性、安全性、流动性为经营原则,实行自主经营、自担风险,自负盈亏、自我约束的企业法人组织.     

Foreign banks and trade

Exploiting unique, time-varying, bilateral data on bank ownership for many countries, we show that exports tend to be larger when a foreign bank from the importing country is present. Entry of a foreign bank also boosts export growth to the home country of the foreign bank relative to other countries, especially when foreign bank presence in the country is large and bilateral cross-border lending low. We find supportive evidence that foreign banks facilitate trade by reducing financial frictions for firms. Entry spurs exports to the foreign bank's home country especially in sectors more dependent on external finance, and particularly so in countries less economically and financially developed and with a higher share of foreign banks. Imports of external finance dependent sectors also grow more after entry, but less so than exports do. Exit of a foreign bank does not fully eliminate the beneficial effects of prior foreign bank presence on exports.     

Does bancassurance add value for banks? - Evidence from mergers and acquisitions between European banks and insurance companies

This paper investigates the risk and wealth effects of 72 mergers and acquisitions between banks in Europe and insurance companies during the period 1989-2004. The empirical results indicate that acquirers’ total risks remain constant relative to the world, home market indices and home banking indices. There are no changes for the systematic risks (beta) with respect to the world market index or the home banking index. After removing world and home market indices effect, systematic risk against home banking index reduce significantly for domestic deals. In addition, positive wealth effects are documented. Two factors have contributed to the bidders’ cumulative abnormal returns (CARs): relative deal size and being a serial acquirer. Finally, change of beta shows negative relations with CARs.