贯彻落实科学发展观 全面促进海南保险业健康快速发展——2006年海南省保险工作会议在海口召开

2006年2月10日,2006年海南省保险工作会议在海口召开。会议总结了2005年的保险工作,对“十五”期间保险业所取得的成绩进行小结,并深刻分析了当前海南保险业面临的形势,全面部署2006年海南省保险工作。海南省政府副秘书长陈如军到会并作出《全面落实科学发展观认清形势抓住机遇     

科学规划 自主创新 振奋精神 抓好开局 努力推进上海保险业又快又好地发展——孙国栋同志在全市保险工作会议上的讲话（摘要）

这次全市保险工作会议的主要任务是：深入贯彻全国保险工作会议和市人大十二届四次会议精神。总结2005年全市保险工作，分析当前保险业发展面临的形势，部署2006年保险工作任务。     

坚定信心 迎难而上 努力实现四川保险业平稳健康发展

2009年,四川保险业将贯彻中央经济工作会议精神,按照全国保险工作会议、保险监管工作会议的部署,坚持改革创新,防范化解风险,调整业务结构,转变发展方式,维护保险消费者利益,坚定信心、迎难而上,努力推动辖区保险业平稳健康发展。     

坚持“稳中求进” 重点防范风险 力促改革创新 促进保险业持续健康发展——2013年全国保险监管工作会议在京召开

1月24日,2013年全国保险监管工作会议在京召开。会议提出,2013年保险监管工作要深入学习贯彻党的十八大和中央经济工作会议精神,以邓小平理论、＂三个代表＂重要思想、科学发展观为指导,坚持稳中求进,坚持解放思想、改革创新,坚持＂抓服务、严监管、防风险、促发展＂,更加注重保护保险消费者权益,着力解决保险市场和保险监管存在的突出问题,促进保险业持续健康发展。     

全区保险业情况通报会在呼和浩特召开

2011年1月20日,全区保险业情况通报会在呼和浩特召开。内蒙古保监局副局长徐德宁传达了全国保险业情况通报会和全国保险监管工作会议精神,局长毋育生通报了2010年保险业发展情况,对2011年保险工作进行了全面部署。会议还总结了去年保险工作的情况。     

坚持科学发展观 未雨绸缪促发展——保监会主席吴定富谈2005年保险工作的七个重点

2005年1月7日，全国保险工作会议在北京召开。保监会主席吴定富在会上作了《以科学发展观为统领，努力开创保险业发展新局面》的讲话。他指出，保险业要以邓小平理论和“三个代表”重要思想为指导，认真贯彻落实十六大，十六届三中、四中全会和中央经济工作会议精神，用科学发展观统领保险工作，坚持把发展作为第一要务不动摇，深化改革，     

求真务实改革创新努力开创保险监管工作新局面

2014年，为深入贯彻落实全国保险监管工作会议和自治区经济工作会议精神，内蒙古保监局系统梳理总结2013年监管工作，深刻分析当前行业发展和监管工作面临的形势任务，结合辖区保险业发展实际，进一步明确监管重点，抓好2014年保险监管工作。     

坚持稳中求进 全面改革创新——2014年全国保险监管工作会议在京召开

1月21日,2014年全国保险监管工作会议在京召开.会议指出,2014年保险监管工作要全面贯彻落实党的十八大、十八届二中、三中全会、中央经济工作会议精神和习近平总书记系列重要讲话精神,坚持稳中求进总基调,把改革创新贯穿于保险监管各个环节,坚持“抓服务、严监管、防风险、促发展”,着力深化保险改革,着力防范化解风险,着力保护保险消费者权益,着力推进监管现代化,促进保险业持续健康发展.     

全国保险监管工作会议在京召开

7月15日．2008年全国保险监管工作会议在京召开。会议分析了当前保险监管面临的形势,总结了近年来保险监管工作。对当前和今后一个时期保险监管工作作了全面部署。据了解,保监会一直把防范风险作为保险业生命线,明确了改革．发展．监管三管齐下的风险防范思路;寓监管于服务之中,为保险业创造了良好的发展环境。     

近期保险动态

A．全国保险工作会议在京召开 2006年1月13日至14日,全国保险会议在北京召开,本届大会全国保险工作者参会人数近600人,是历届参会人数之冠, 同时还邀请了各省(直辖市、自治区)政府有关部门的领导干部参加以便各地方政府了解保险行业的发展方向和工作思路。中国保监会主度吴定富在会上总结了2005年保险业的基本情况后, 强调在2006年,要以科学发展观统领保险业发展,要着力解决好速度、效益、诚信和规范经营问题,将增强自主创新能力作为行业战略,要又快又好做大做强中国保险业。     

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.     

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…     

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.     

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.     

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.     

银行软件项目外包管理分析

一、引言随着国民经济的不断发展,银行业务与外部企业的联系越来越密切。银行正逐步成为现代经济活动的中心,作为数据处理核心的银行业务应用也越来越大型化、越来越复杂化,因此许多银行也把软件项目逐步由原来的自主开发转变为与公司合作的方式,或直接外包开发的方式,银行本身的技术人员也逐步由开发转向项目管理。二、项目外包的分类银行项目的外包有以下几种情况:①部分子系统外包,有时由于银行的软件项目太大,单靠银行自身的开发力量基本无法在预定的时间内完成项目,只好把相对独立的部分外包;②直接购买软件公司的成熟产品,有些金融软…     

银行管理信息平台建设发展的思考

一、目前国内银行IT发展现状及面临的问题 银行数据集中工作的完成,标志着银行的业务由电子化建设阶段转入信息化建设阶段.一方面银行数据的集中提供了丰富全面的基础数据,面对日益庞大的数据源,如何将数字转化为对银行有用的信息,并从中发现知识,为银行的经营决策提供支持,是摆在银行IT人员面前的一个亟待解决的问题.另一方面用户对银行信息的需求日益增长,如果银行没有一套完整、实用的信息管理系统,将对业务发展非常不利.南京爱立信公司倒戈花旗银行事件曾经轰动一时,其中一个重要原因就是中国本地银行不能满足爱立信全球总部对南京爱立信公司的要求:每周财务上报和每天贷款限额管理.这一事件为中国商业银行的未来发展敲响了警钟,如果不加快管理信息系统的开发,迅速提升业务管理水平,类似的事件还会接连不断地发生,并最终导致国内商业银行在同国外商业银行的竞争中全面溃败.     

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.     

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.