探讨ABIS运行中心运行管理模式

当前,我国金融业正呈现出经营手段智能化、经营方式网络化、机构网点虚拟化、前台业务综合化、金融活动全球化、组织体系集中化的发展趋势。农总行在全国各省级分行推广的 ABIS 综合应用系统(The Agricultural Bank Of China Inte-greted Banking System),简称 ABIS 系统,采用省域数据大集中的业务处     

数据集中后二级分行的网络安全隐患及对策

农行的联机网络系统正逐步由以市地分行为数据中心向省域数据中心集中,最终实现全国数据大集中。数据中心的上移使二级分行的网络安全管理重点发生了新的变化。由于综合应用系统(ABIS)数据高度集中,业务种类广泛,网络覆盖面广,对网络安全管理工作提出了很高的要求,因而如何保障网络安全、高效运行就成为二级分行科技部门的一项重要任务。本文结合农行滨州市分行近两年的运行实践,就数据集中后二级分行的网络安全存在的隐患及采取的对策进行分析探讨。     

数据上收后市分行科技部门如何实现职能转变

随着核心业务数据从省域数据中心集中到全国数据中心，银行业务系统实行全国统一版本、统一平台，系统开发任务将主要集中在总行软件开发中心；与此同时，省分行科技部门也必然进行相应职能的调整，分散的前置系统将逐步集中，外围的程序开发将逐步统一，走集约化科技管理之路。这对市分行的科技工作产生了一定影响：一是软件开发的工作量逐渐减少，特别是前后台的业务应用系统程序开发已经没有必要。只能利用统一的开发平台，     

由Informix到Sybase的数据迁移方法

一、引言 建设银行山东省分行于2002年9月在全省范围内启用了新一代业务处理系统,从而实现了全省建行业务数据由物理集中到逻辑集中的过渡.数据集中到省分行后,有关数据库数据的维护职能也随之上移省分行.由于在省分行数据库的定期数据清理中,有些逻辑集中前的历史数据已难以查询,因此作为二级分行来说,有必要根据数据逻辑集中时利用Informix实用程序dbexport卸载下来的数据库数据重建数据库,以备营业网点查询之需.     

数据大集中后无数据行科技部门的职责转变

近几年来，各商业银行纷纷实施全行数据大集中工程，把原来分布在一、二级分行的业务和管理数据逐级上收，最终集中在一个或多个总行中心，以实现全行业务经营和管理的集约化，适应管理扁平化改革。数据大集中是商业银行电子化建设的必然选择。在实现数据大集中后，分行(尤其是无数据行)如何转变职能、适应数     

交易中间件在金融业务集中处理模式中的应用

一、数据集中化处理是金融电子化的发展趋势数据集中化处理是当前国内金融电子化的大趋势，也是国外银行业历经证明的成功经验。国内金融业建立省分行集中乃至全国大集中的联机业务处理系统是大势所趋，业务集中处理模式成为未来的发展方向。这种模式的优越性主要体现在以下几个方面：１．有利于银行各项业务的监督管理，及时发现不良倾向，降低经营风险；２．有利于减少银行管理层次，推进银行运行体制改革；３．便于统一管理，达到应用统一、标准规范、便于推广的目的；４．有利于金融产品的创新和开发，提高银行市场竞争力；５．有利于业…     

河北中行实现全省一个数据中心

按照中总行信息科技“走集中、统一道路”的战略部署，河北中行于２０００年５月２２日正式启动大集中工程，截至２００１年４月２１日，历经１１个月完成了全省６８０个储蓄网点、１４３个支行以上级会计网点主要业务数据的大集中，全省由原来的１１个数据中心缩减为１个。在全国中行使用ＥＳ／９０００主机的１３家分行中，除北京、天津、上海３个直辖市和深圳特区分行外，河北中行在省（区）分行中第一个实现了全省一个数据中心的目标，比总行要求时间提前一个月完成了省内中心上收的工作。大集中不仅加快了业务发展速度，而且对该行进一…     

报表返传系统的设计与开发

随着福建省分行大机延伸工程的实施,实现了全省业务数据的集中,全省各分支行柜面业务的帐务数据全部集中到省分行的大机中,进一步保障了业务系统的安全运行及应用软件的统一。但是,日终业务报表数据返传、打印所带来的问题越来越突出,集中打印方式给省分行运行中心人员增加了许多工作,各网点也必须每天定时到省分行中心收取报表,因而造成人力与时间的浪费。而且,随着市区银行网点的不断增加,业务量的不断上升,集中式打印将不得不面对系统打印机负担过重、效率越来越低的压力。另外,"远程仿真终端方式"增加了业务网络的运行压力,…     

服务器虚拟化技术在省域集中工程的应用

农业银行前端平台系统（ACBS）全省集中是农总行在完成全国数据大集中工程后推广的一种新模式。为减轻二级分行在生产系统运维方面的压力，保障生产系统的安全稳定，提高运行效率，农业银行贵州省分行通过广泛的技术研究与交流，在仔细分析ACBS前置系统的应用特征后，决定采用服务器虚拟化技术实施全省ACBS前置机的省域集中工程。     

吉林省建造综合业务网络系统的设计与实施

现代计算机技术的飞速发展，为金融电子化建设提供了技术基础，科技手段和创新能力的提高已成为金融业赢得竞争优势的先导，成为保障银行可持续发展的重要因素。实现全省计算机联网、统一柜面业务是新形势下业务发展的迫切要求。 一、系统设计目标 建设银行吉林省分行综合业务网络系统，是以省行为中心，以市（州）行为二级分中心，营业网点为末端节点，建立的省辖三层网络体系结构。采用前台业务直接与省行网络中心主机进行信息交换，储蓄和信用卡帐务数据集中存放在省行业务主机上的集中式网络模式，会计帐务数据存放在二级行 AS/400主机…     

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.     

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.     

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…     

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.     

浅议金融机构的举证责任

金融纠纷案件是当事人以存单或进账单、对账单、存款合同、保险单、票据、证券等凭证为主要证据向人民法院提出诉讼的案件,对于不同种类金融纠纷的当事人的举证责任,我国现行的金融法律、法规及司法解释有不同的规定。由于金融机构的特殊法律地位,发生金融纠纷时存在有关当事人将最后偿付风险转移给金融机构承担的主观故意,在客观上会使金融机构难以提供相应的证据来对抗不法债权人的诉讼请求,而导致金融机构败诉。为此,对金融诉讼案件中金融机构的举证责任加以研究具有重要的实践意义。     

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.     

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.     

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.