银行自助设备迈入“云”时代

近年来，金融自助终端发展迅速、创新不断。据统计，中国ATM的数量已接近40万台，是继美国之后的全球第二大ATM市场；预计N2015年，我国ATM市场保有量将达N55万-60万台，有望超越美国，成为全球第一大ATM市场。今后几年将是ATM相关行业发展比较迅速的阶段。     

2006年中国自动柜员机（ATM）行业报告

一、中国ATM市场现状1.中国ATM市场增长情况据中国银联的统计,2001～2006年中国银行业保持着充足的购买力。2000～2006年国内ATM市场情况如表1所示。     

中国ATM品牌发展对策研究

ATM等自助终端是为客户提供以非现金自助服务为主的自助设备，包括查询缴费机、转账汇款机、离行式转账汇款终端等。据统计，目前中国市场上使用中的ATM品牌主要有17个。其中，国内品牌3个，国外品牌14个，在种类和数量上均占有绝对优势。自1986年中国银行珠海分行第一次在中国内地引进ATM并投入使用以来，ATM在中国已经使用了近30年。     

助力银创开拓中国金融自助服务市场——访Customers董事局主席Greg Baker

2007年5月29～30日，全球ATM行业知名的ATMIA（ATM产业协会）大会首次在北京召开，围绕2008年北京奥运，银行业代表与ATM厂商就ATM行业的发展趋势进行了充分探讨。本刊记者借机采访了出席本次大会并做主题发言的澳大利亚领先的ATM运营商Customers有限公司的董事局主席Greg Baker先生，就Customers投资银创控股有限公司（以下简称银创），全力支持其在中国开拓金融自助服务市场，以及国内外ATM行业发展的焦点问题进行了深入采访。     

让ATM机管理更及时有效

从NCR在全中国ATM机的装机量看，大约每年在1．2～1．3万台左右。发达国家每100万人口ATM机的量可以达到1000台，用这个指标看中国ATM机市场，其发展空间非常广阔。有数据表明，5年内，ATM装机量在国内将会翻一倍，达到25万台。因而ATM机的管理问题将凸现。     

中外ATM企业“联姻”的背后

2015年以来,中国ATM市场可谓好不热闹。外资ATM品牌纷纷放下"高贵"的身段,争相与国内企业进行合资合作。诸如美国迪堡与浪潮集团签订合资合作协议,宣布向中国客户提供全系列金融自助服务终端产品及解决方案;据透露,日立和中电电气集团也在私下进行沟通,合作即将展开;冲电气(OKI)与神州信息设合资公司,喊出了号称"改写中国ATM市场格局"的口号。这些都无疑在中国ATM市场掀起了波澜。据资深业内     

金融业务外包服务专家——通邮集团创新的合作运营模式助力商业银行加速渠道建设

通邮集团是中国最大的ATM合作运营商、ATM传媒服，务商、ATM维护商、ATM经销商之一，拥有中国优秀的ATM专业服务团队和先进的ATM外包管理平台。公司2008年总值20亿元，22间分支机构，700名员工。     

从内到外的安全防范——德利多富的本地化安全解决方案

针对ATM犯罪愈演愈烈的态势，作为银行自助设备生产厂商的德利多富公司强调，ATM厂商应该面向中国市场，在产品创新研发、开放性标准化设计和本地化市场应用三方面完美结合的前提下，力求在危及安全的各个可能的环节保护持卡人用卡安全。概括地讲，ATM的风险可以从读卡器、监控软件、保险箱技术、ATM出钞模块等环节来预防。     

日立全新金融解决方案为行业注入科技劲风

最早将存取款一体式ATM带到中国的是日立（中国）有限公司（以下简称“日立”）。多年来，日立存取款一体式ATM在市场上的占有率一直高居榜首，已经成为业界毫无争议的领军性产品。在2011年中国国际金融展上，日立重点展示了新一代存取款一体机HT-2845-SR、革新型金融IT解决方案等众多先进的产品和解决方案。为此，记者采访了日立金融系统部营业部总经理波多野敬司，请他进一步介绍和解读日立ATM的先进技术和解决方案。     

最好的时代要做最好的准备

近五年来我国的ATM增长量已经占了世界总增长量的15％，居世界之首。2010年底我国已然成为全球第二大ATM市场，国内银行一年的ATM设备采购量达60000台之巨。面对如此巨大且快速增长的市场，一方面我国金融白助服务发展已经具备良好基础；     

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.     

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…     

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.     

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.     

金融企业员工考核系统的设计

一、概述 为配合公司人事考核制度的贯彻执行,保证该制度执行过程中各项工作能够长期、高效、准确地完成,我们开发了公司员工考核系统,实现了人事考核工作中员工投票、考核统计、考核信息分析、报表生成等功能,减少了人事部门人员的手工操作,提高了考核工作的自动化程度.     

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.     

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。     

纳税申报法律制度的弊端分析及完善建议

纳税申报是税收民主的一种具体体现形式,基于此,世界各国普遍建立了纳税申报法律制度。我国的纳税申报法律制度也已经有20年的历史,其间经过多次修改和完善,也曾极大地促进了税收法制与税收民主的进程。但从总体来看,我国现行的纳税申报法律制度依然存在相当多的问题,不仅与税收征管改革不配套,还存在侵害纳税人权益的问题。因此,有必要修改相关法律法规,以完善我国的纳税申报法律制度。