加快发展个人理财业务的策略

近几年来，随着金融管理体制的改革与发展，资本市场日见活跃，银行个人理财产品不断创新，个人理财业务逐步得到市场认可。各家银行将营销理财产品作为有效管理高价值客户的重要手段，并将此作为中间业务收入的主要来源。     

银行个人理财产品创新与规范研究

本文基于对驻济商业银行个人理财产品发展状况的调查,分析了目前商业银行个人理财业务发展的特点和实践中存在的主要问题,并通过比较国际上完善而先进的银行个人理财产品市场发展的成熟经验,进而剖析了我国银行个人理财产品市场发展的体制性、技术性等制约因素.在此基础上,结合我国金融业全面对外开放后,尤其是在中间业务领域所面临的与外资银行的激烈竞争争,提出了加快创新和规范我国银行个人理财产品市场发展的若干设想和对策建议.     

论银行个人理财产品消费者主体地位的认定

银行个人理财市场的现存问题都指向投资于银行个人理财产品的个人,必须赋予其消费者的主体地位,才能更好的加以保护.本文围绕这一观点,从要件分析、疑点探究等方面探讨了赋予银行个人理财产品消费者主体地位的理论根据.     

银行个人理财产品创新与规范研究

本文基于对驻济商业银行个人理财产品发展状况的调查,分析了目前商业银行个人理财业务发展的特点和实践中存在的主要问题,并通过比较国际上完善而先进的银行个人理财产品市场发展的成熟经验,进而剖析了我国银行个人理财产品市场发展的体制性、技术性等制约因素。在此基础上,结合我国金融业全面对外开放后,尤其是在中间业务领域所面临的与外资银行的激烈竞争,提出了加快创新和规范我国银行个人理财产品市场发展的若干设想和对策建议。     

银行个人理财产品开发的供需分析

近年来，我国银行个人理财产品发展迅速，理财产品层出不穷。本文对我国商业银行个人理财产品的开发进行供给和需求分析，得出如下结论我国银行个人理财产品供求不均衡，市场需求大于供给，已开发的理财产品不能很好的满足市场需求。在此基础上，本文通过我国个人理财产品的市场存活性分析，给出了我国商业银行理财产品开发的立足点：以市场需求为导向，着眼于成本低、收益高的项目。     

我国商业银行个人理财市场现状问题及对策

目前我国商业银行个人理财市场规模持续扩大,个人理财市场服务机构明显增多,且集中在大型银行和股份制银行,商业银行个人理财市场的现状表现出理财产品短期化趋势显著,期限结构分布不合理,理财产品预期收益率持续提高,各行理财业务大打"价格战"等明显特点。从而造成了目前我国商业银行个人理财市场存在缺乏战略规划,银行存贷比管理非常脆弱,银行流动性管理风险凸显等问题。本文通过对我国商业银行个人理财市场的分析,提出了加强商业银行个人理财市场管理,防范个人理财市场风险的措施。     

商业银行个人理财产品的创新分析——基于熊彼特创新理论的框架

本文将银行个人理财产品创新纳入熊彼特现代创新理论的分析框架,梳理了近两年我国商业银行理财产品在产品创新、技术创新、市场创新和组织创新方面的综合表现,为商业银行加快理财产品创新提供方向和思路。     

理财产品信息披露中的法律问题

近年来,我国商业银很理财产品不断创新,越来越多的投资者将银行理财产品纳入其资产配置。但同时国内外市场的波动使理财产品面临较大的风险,客户针对个人理财产品的投诉时有发生,其中关于理财产品的信息披露是客户投诉较集中的问题。本文对当前部分商业银行理财产品信息披露中存在的主要问题进行分析,提示商业银行在理财产品的设计销售、存续期间和终止时信息披露应当注意的法律风险。     

银行理财产品市场发展现状、存在的问题及建议

资管新规过渡期将于2021年底结束,意味着银行理财全面净值化时代即将来临.当前,银行理财产品市场上,净值型理财产品增长显著,成为市场主力,但仍面临产品信息披露透明度与基金相比差距较大、非净值型理财产品仍在发放、业绩比较基准未实现情况普遍存在、投资者教育存在短板等问题.为此,监管部门、银行机构、投资者等多方力量需要共同促进银行理财产品市场稳健发展.     

商业银行个人理财业务存在的问题和建议

从2005年开始，银行个人理财业务迅速扩张，成为各商业银行争相占领的市场。2007年全年银行个人理财产品销售量突破八千亿元，是2005年的八倍。2008年，随着国内A股市场以及境外投资市场风险的上升，理财机构和投资者的避险需求日渐强烈，运用于信贷市场、票据市场和债券市场的稳健型理财产品得到了投资者的欢迎和青睐，成为市场的主体产品。2008年上半年，个人理财产品呈现短期化的特征，产品推出频率加快，个人理财产品销售额累计达到了1万多亿元，接近2007年全年销售量的160％多。     

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.     

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.     

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.