从征信投诉案例看金融消费者权益保护

金融消费者权益涉及知情权、隐私权、选择权等诸多内容,加之金融消费者与金融机构在经济实力、专业知识、产品信息方面不对称,极易引发金融机构对消费者的侵权。本文通过分析近年来泉州市征信投诉案例,探索当前金融消费者权益保护工作中的薄弱环节,并提出相关建议。     

美国金融消费者权益保护体系改革的借鉴与启示

由于我国金融消费者权益保护基本立法缺位、诉讼制度存在缺陷等原因,金融消费者与金融机构之间纠纷逐步增多,加强消费者权益保护成为金融业发展的当务之急。次贷危机暴露出金融消费者权益保护方面的监管缺陷,美国为此将金融消费权益保护作为金融监管改革的重点。我们可以借鉴美国相关做法,在加强金融消费者保护立法、建立金融消费者保护组织、完善消费者投诉处理机制、规范消费者信息披露等方面有所作为。     

基层央行开展金融消费者权益保护工作的思考

在当前宏观经济环境之下,对于金融消费者权益保护等问题进行研究,并且加强金融消费者权益保护试点,对于我国经济发展有着非常重要的意义。在本文的研究过程当中,笔者主要立足于当前金融消费者权益保护工作的相关问题进行研究,结合这项工作当中存在的必要性、法律依据、工作目标等方面机型研究,进而提出了当前基层央行做好金融消费者权益保护工作的对策。     

对金融消费者权益保护问题的思考

近年来,随着我国公众金融服务消费的快速发展,金融消费者已经成为独立、庞大的消费主体。伴随而来的是金融消费者与金融机构的纠纷逐年增多。保护金融消费者权益,不仅是消费者自身的需要,也是稳定金融体系的关键。笔者拟从保护金融消费者权益必要性和保护金融消费者权益工作现状、存在问题及建议等方面对此进行探讨。     

征信体系建设中金融消费者权益保护工作思考

国际金融危机后,各国普遍加强了对金融消费者权益的保护,随着我国金融改革的不断深化,金融消费者与金融机构之间的各种矛盾和纠纷也日渐增多.作为现代金融体系运行的基石,征信体系从数据采集到信息服务的每个环节都与金融消费者密切相关.本文介绍了我国征信体系建设中金融消费者权益保护现状,分析了征信体系建设中金融消费者权益保护工作中存在的主要问题,提出了相关对策建议.     

金融消费者投诉行为研究

金融消费者权益保护是金融业稳健发展的保证,法律、法规、部门规章对金融消费者权益保护提供了法律和制度保障.地方金融机构从金融消费者投诉现状出发,履行好对金融消费者知情权、财产安全权、受教育权的保护,是解决投诉多发的有效途径.以投诉案例分析金融机构保护金融消费者知情权、财产安全权、受教育权中出现的问题,采取诸如落实金融机构...     

引入调解机制 保护消费者权益简

当今社会金融产品与服务种类众多、工具创新频繁,随之而来的金融消费纠纷也不断增多,积极稳妥地处理金融消费纠纷对于维护金融机构形象、保护消费者权益、促进社会和谐具有重要作用.本文提出引入行政调解机制保护金融消费者权益的构想,论证了其必要性,并就充分发挥行政调解机制在金融消费者权益保护中的效应提出了相关建议.     

浅析金融消费者权益保护制度建设

当前,我国金融市场正步入金融商品和服务大发展的时期,金融消费在整个社会消费中所占比重不断提高,但由于金融消费者与金融机构之间存在信息不对称、地位不平等等问题,金融领域侵害消费者权益的现象突出。本文明确金融消费者的概念及其主要权益,分析我国金融消费者权益保护现状及缺失原因,提出完善我国金融消费者权益保护制度的建议。     

发达国家金融消费者权益保护制度对我国的启示

上世纪90年代以来,随着我国金融业改革力度不断加强,金融创新工作得到了很大发展,种类繁多的金融产品随之产生。虽然消费者藉此获得了丰厚收益,但同时也加大了金融消费的风险性。随着金融危机的爆发,金融消费者与金融机构的矛盾日益尖锐,金融消费者权益保护问题备受关注。相比国外较为成熟的法律机制和保护机构体系,我国在金融消费者权益保护方面的缺陷致使问题较为突出。如何构建一套适合我国国情的金融消费者保护体系,成为我国金融改革的当务之急。本文通过概述金融消费者权益内涵、研究国外金融消费者保护制度和相关措施,探索我国金融消费者保护有效途径,以推进我国相关法律制度的建设。     

基于社会责任理论的金融消费者权益保护工作研究

金融消费者权益保护工作,是银行业金融机构应尽的社会责任,也是公平对待消费者承诺的一个重要体现.企业社会责任理论中的消费者行为意向理论和利益相关者理论为银行业金融机构承担金融消费者权益保护提供了理论依据.从银行业金融机构社会责任视角看,金融消费者交易安全权、知情权、公平交易权、金融隐私权、受教育权等屡遭侵犯,为此需加快完善我国金融消费者权益保护制度,制定落实保护金融消费者权益的具体措施.     

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.