企业贷款数据自动采集程序的设计与实现

按照中国人民银行（以下简称“人民银行”）调查统计司文件要求,自2007年4季度起,各人民银行分支行要在企业征信系统中采集、汇总农业产业化龙头企业贷款数据。然而,作为终端的人民银行分支行用户只有查询单个企业贷款数据的功能,没有批量查询和分类汇总功能,所以分支行用户只能逐个企业查询,再手工对贷款数据分类、汇总,费时费力,容易出错且效率低,迫切需要一种更有效的解决办法。为此,笔者开发了企业贷款数据自动采集程序。     

进一步强化基层人民银行分支机构金融管理职责的调查与思考

<正>近两年来,基层人民银行分支机构不断强化金融管理职能,有效改善了基层人民银行分支机构的履职环境,巩固了基层人民银行分支机构的履职权威,丰富了基层人民银行分支机构的履职形象,有力地促进了基层人民银行分支机构履职水平的建设和履职能力的提升。基层人民银行分支机构在履行金融管理职能的过程中也暴露出了一些问题和不足,基层人民银行的金融管理职能亟待进一步强化。一、基层人民银行分支机构履行金融管理职能的初步成果     

国家税务总局关于明确跨地区经营企业所得税汇总纳税分支机构年度纳税申报有关事项的公告

根据《财政部国家税务总局人民银行关于印发〈跨省市总分机构企业所得税分配及预算管理办法〉的通知》（财预[2012]40号）和（《国家税务总局关于印发〈跨地区经营汇总纳税企业所得税征收管理办法〉的公告〉》（国家税务总局公告2012年第57号）的规定,现将跨地区经营汇总纳税企业的分支机构年度纳税申报有关事项公告如下：跨地区经营汇总纳税企业的分支机构,在进行2013年度及以后年度纳税申报时,暂用《国家税务总局关于发布〈中华人民共和国企业所得税月（季）度预缴纳税申报表〉等报表的公告》（国家税务总局公告2011年第64号）中的《中华人民共和国企业所得税月（季）度预缴纳税申报表（A类）》格式进行年度纳税申报。分支机构在办理年度所得税应补（退）税时,应同时附报《中华人民共和国企业所得税汇总纳税分支机构分配表》。     

人民银行协助有权机关进行查询的依据及可行性分析

近年来,人民银行为履行账户管理和征信管理职能,相继开发了人民币银行结算账户管理系统和企业信用信息基础数据库及个人信用信息基础数据库,两系统投入使用以来,对人民银行履行结算账户管理和信贷征信管理职能起到了切实的推动作用.但是,由于两系统中存储着企业和个人的账户、贷款等信息,可以大大节省司法机关及有权机关办理案件和履行管理职能的时间和费用,因此,越来越多的司法机关及有权机关涌向各级人民银行,要求人民银行提供相应的信息查询.由于我国立法对于人民银行分支机构协助执行问题一直没有明确规定,人民银行各基层行遇到此类问题只能层层上报至总行.     

人民银行省级数据中心应用架构的设计

人民银行省级数据中心承担着承上启下的职责,其信息服务功能主要包括以下三个方面:一是为本辖区内人民银行分支机构机关提供专门的信息服务;二是为本辖区内所有人民银行分支机构提供统一的信息服务,包括协助总行数据中心提供信息服务和为地方特色业务提供信息服务;三是为本辖区内的社会机构和个人提供信息服务.     

人民银行哈尔滨中心支行领导亲赴龙江防汛抗洪一线指导辖区金融机构 确保系统服务安全

<正>8月19日至20日,人民银行哈尔滨中心支行党委书记、行长王迅同志,副行长林佐明同志深入到黑河市孙吴县、逊克县、嫩江县人民银行分支机构,详细了解雨情水情、经济损失情况、洪水对当地金融运行产生的影响及金融系统防汛措施责任制落实     

对人行分支机构采集非法人银行机构明细数据的思考与建议——以四川省为例

随着大数据技术与金融行业的深度融合,人民银行顺势开展大数据采集、分析和挖掘工作,以此提升经济金融决策分析、防范化解金融风险、维护国家金融稳定等履职能力。当前,随着人民银行“数字央行”大数据试点工作的逐步深入,人行各分支机构面临着如何采集区域内非法人银行机构明细数据的问题。本文首先介绍了人民银行数字央行大数据试点工作的现状,然后以四川省为例,分析了非法人银行机构在数据存放、平台建设、人员配备和系统建设等方面的状况,最后从政策支持、合理预留时间、放宽校验规则等方面提出工作建议,并从分组管理、数据校验、机构考核和数据传输等方面提出数据采集的功能建议。     

金融总部支持灾后恢复重建大事记（2008．5．12-2009．5．12）

2008年5月12日 吊国人民银行出台做好抗震救灾工作的紧急通知,明确提出了十条政策措施,要求人民银行各司局、直属事业单位及各分支机构特别是受灾地区分支机构,要及时启动相关业务系统的应急预案,认真做好抗震救灾信贷支持和金融稳定工作,尽全力保证人民银行各项业务平稳运行。     

人民银行分支机构员工激励的困境与对策

科学有效地实施员工激励是组织人力资源管理的重要内容。如何持续强化激励效果,充分调动员工积极性并挖掘其潜能,是当前人民银行各级分支机构共同面临的一个难题。本文在分析人民银行分支机构员工激励现状的基础上,从员工激励原则与导向、激励策略与手段等方面对改进和完善人民银行分支机构激励机制进行了一些探讨,以期对人民银行分支机构员工激励实践有所裨益。     

独立核算工业企业经济活动分析系统

独立核算工业企业经济活动分析系统人民银行山东省济南市分行科技处李谦马庆忠朱之伟人民银行分支机构对辖内金融经济运行状况监测和分析是行使中央银行职能、为领导决策提供参考依据的重要工作之一,但多年来对辖内全部工业企业经济运行状况一直未进行全面、系统、连续的...     

Debt and Taxes and Uncertainty

With a graduated personal tax schedule, Miller showed that there could be an equilibrium debt supply for the corporate sector as a whole. In the presence of uncertainty there is also a unique debt/equity ratio for each individual firm, and this ratio is related to the firm's operational risk characteristics. However, if firms merge and spin off in response to tax incentives, the identity of firms is ambiguous and only the corporate sector is a meaningful construct. These arguments are developed in both discrete and continuous models that employ extensions of the arbitrage-free pricing theory.     

教育与资本怎样的前景怎样的现实

来自政府的声音: "动员各种社会资源,发展教育" 此次论坛上财政部长助理张少春的发言是最受关注的发言之一.他的演讲传达出的信息有这样几方面:第一,谈到现实,他认为全社会对教育的巨大需求与我国公共投入不足已成为我国教育事业发展的突出矛盾.近年来,以公共部门投入为主,多渠道筹措教育经费的教育投入机制成为解决这一问题的重要途径,也使得公共部门与私营部门在教育领域的合作日益密切.第二,谈到前景,他认为,1.中国经济持续、快速的增长对高技能人才产生巨大的需求,这为私营部门的参与提供了广阔空间.2.随着公共财政职能的不断完善,财政资金将在各项教育事业中重新进行分配,进一步优化财政支出结构,提高资金的使用效率.在"十一五"期间,我国将把公共支出的重点转移到农村.我们将逐步把全体农村适龄儿童的义务教育全部纳入公共财政体制.     

Director gender and mergers and acquisitions

Does director gender influence CEO empire building? Does it affect the bid premium paid for target firms? Less overconfident female directors less overestimate merger gains. As a result, firms with female directors are less likely to make acquisitions and if they do, pay lower bid premia. Using acquisition bids by S&P 1500 companies during 1997–2009 we find that each additional female director is associated with 7.6% fewer bids, and each additional female director on a bidder board reduces the bid premium paid by 15.4%. Our findings support the notion that female directors help create shareholder value through their influence on acquisition decisions. We also discuss other possible interpretations of our findings.     

Political corruption and mergers and acquisitions

This research examines the relation between political corruption and mergers and acquisitions (M&As). We find that local corruption increases firm acquisitiveness but decreases firm targetiveness. The levels of corruption in acquirer areas relate positively to the bid premiums and negatively to the likelihood of deal completion. Corruption motivates acquiring firms to use excess cash for payment, which mitigates the negative effect of corruption on acquirer shareholder value. The evidence indicates that acquisitions help acquiring firms convert cash into hard-to-extract assets and relocate assets from the high to low corruption areas, thereby shielding their liquid assets from expropriation by local officials.     

Trust and cross-border mergers and acquisitions

A number of studies suggest that social trust matters for investment. Using different measures of trust from World Values Survey, we show that countries where people display higher levels of trust engage in more cross-border M&A activities. When they do, these acquirers pay lower premiums. To the extent that these acquirers also tend to engage in larger acquisitions as well, our findings suggest that a larger selection pool of potential targets and higher value targets enable these acquirers to negotiate for lower premiums. We do not find evidence of the significant effect for target country trust levels. Hence, trust may benefit those acquiring firms in cross-border transactions.     

Tournament-based incentives and mergers and acquisitions

This research examines the relation between tournament-based incentives, which are proxied by the difference between a firm's CEO pay and the median pay of the senior managers, and mergers and acquisitions (M&As). We find that tournament-based incentives are positively related to firm acquisitiveness and acquiring firms' stock and operating performance. Further analysis indicates that positive acquisition performance increases the likelihood of the CEO being promoted from inside the acquiring firm. Our evidence is consistent with the view that tournament-based incentives motivate acquiring firms' managers to make greater efforts and take more risk that result in superior acquisition performance.     

Corporate Innovations and Mergers and Acquisitions

Using a large and unique patent‐merger data set over the period 1984 to 2006, we show that companies with large patent portfolios and low R&D expenses are acquirers, while companies with high R&D expenses and slow growth in patent output are targets. Further, technological overlap between firm pairs has a positive effect on transaction incidence, and this effect is reduced for firm pairs that overlap in product markets. We also show that acquirers with prior technological linkage to their target firms produce more patents afterwards. We conclude that synergies obtained from combining innovation capabilities are important drivers of acquisitions.     

East and west and north and south : A preliminary model

The Brandt report and other proposals for a new North-South world order continue to be the focus of lively debate, yet it is often argued that little concrete has emerged from their recommendations. A major reason for this, the author argues, is that the East-West conflict component is not sufficiently taken into consideration-East-West tensions are a severe constraint on and a determining factor of North-South relations. Using influence diagrams, the author develops a flexible framework for discussion and assessment of N/S-E/W relations.