构建面向业务发展的分行IT平台

分行作为各商业银行战略的执行平台,是企业核心竞争力的建设基础,能否将总行战略与区域金融市场的特色有机结合,安全、快捷、高效地为客户提供满意的产品和服务,将直接关系到客户对银行的满意度和企业的经营效益。     

励精图治,打造科技赋能新形态——工银亚洲信息科技回顾与展望

银行4.0时代,为更好地顺应时代发展和客户需求变化趋势,银行业态将进一步深刻变革,银行服务模式、产品形态、管理方式将快速转型。同时,银行业金融科技发展同质化将更加明显,同业竞争愈演愈烈,各家银行普遍将金融科技作为核心发展战略。在当下及未来,当社会各界对金融科技手段已经有了比较充分的理解时,技术运用的先发优势将不再明显甚至消失,而如何将金融科技手段与自身经营发展战略更好地结合以打造核心竞争力,如何为客户提供更好的服务,将成为各家银行比拼的重点。     

商业银行客户关系类无形资产的管理

商业银行客户关系类无形资产指商业银行在经营管理过程中逐步积累的利润贡献较大的客户资源以及商业银行管理客户关系的能力。客户关系类无形资产可以节约银行维系客户的交易成本,为银行深入了解客户的需求和推销新的服务,产品提供更多的便利和机会,良好的客户关系是增加企业价值和竞争力的基础优势。商业银行核心竞争力越来越表现为从单纯经营金融产品向维护和加深与客户的关系转变,向提升客户服务能力转变。客户关系类无形资产是企业最有价值的无形资产之一,它是商业银行产生持续竞争优势的独特产品、创造独特影响手段的能力,是其现有资源和管理体制,人才、技术、市场、客户、服务、品牌等有形与无形资产的有机融合能力的综合体现,是银行有效逼近其优势资源最优化配置状态的能力,是银行特有的难模仿和难替代的能力。     

农信数据大集中解决方案

随着近年来金融市场化程度加深，金融政策和市场规则发生了巨大变化，国内金融业变革进程明显加快，正在不断提升服务能力和渠道，增加目标客户所需的产品和服务，利用网络信息化加深客户资源的覆盖。农村信用合作社作为中国金融体系的重要组成部分，为农村经济的发展做出过不可磨灭的贡献，自2003年开始，在全国范围内拉开了深化农村信用社改革的帷幕。信息时代，要想将农村信用社打造成为能够提供现代金融服务的好银行，除了体制上的改革外，没有一个安全、稳定、易维护、可扩展的好网络无疑是不可能的。农信社作为农村经济战略的执行平台，如果将其他商业银行先进运作模式以及农村区域金融市场的特色有机的结合，安全、快捷、高效地为客户提供满意的产品和服务，将直接关系到客户对农信社的满意度和企业的经营效益。     

面向大数据的商业银行业务模式创新

银行科技创新的核心在于将银行经营管理活动中产生的数据转变为信息,并将信息提炼成为知识和智慧,形成能够支撑银行业务发展的决策知识,为全行管理分析、决策支持和业务拓展提供服务。随着银行信息化程度不断加深,银行已经积累了大量的数据。作为银行创新的重要方面,大数据应用推动商业银行在经营理念、组织管理、业务架构和科技创新等领域进行全面调整和深度整合,以客户体验为导向,不断打造具有竞争力的金融平台和产品,提升银行的资本运营效率和盈利能力。借助大数据,银行将在精细化、专业化和智慧化管理等方面更上一个台阶。面对互联网金融的挑战,银行可以更加科学地进行顶层设计,制定发展战略,部署相关创新产品,在激烈竞争中找好自己的定位,赢得竞争的优势。     

基于“以客户为中心”的零售银行产品战略转型研究北大核心

零售银行转型,核心是从"以产品为中心"到"以客户为中心"所涉及的产品、流程、渠道、服务、营销等一系列变化,产品战略是其中的关键内容。通过对我国零售银行的观察研究,我们认为当前中国零售银行业正在从"以产品为中心"理念下简单、零散地销售产品,转型到在银行内部部门联动基础上对客户进行大类客群划分后提供金融产品组合。未来,受到金融服务生活化和场景化趋势的影响,零售银行的产品战略迫切需要转向基于"以客户为中心"的理念精准细分客群,并为不同客群提供全场景产品与服务(包括金融及非金融)的整体解决方案,从而最大限度提升客户黏性,实现银行、合作伙伴与客户的多方共赢。     

对江苏农行电子银行业务发展的思考

电子银行是商业银行将银行业务与电子化手段相结合，依托计算机、通讯和信息技术，通过自助银行、电话银行、企业银行、网上银行等电子渠道，为客户提供各种金融信息、金融交易及其衍生服务的业务经营渠道和相关产品的总称。电子银行为银行业的发展带来了机遇和挑战，也成为江苏农行增强竞争力、加快发展的战略选择。     

银行如何让自己的ATM价值最大化——本刊记者刘丽芳访迪堡公司大中华区总裁胡竹君

随着中国银行业信息化、网络化的日新月异，ATM自助服务设备将逐步取代银行网点交易。从表面来看，它为银行全新地塑造出现代化高科技企业形象，其更深层表现在，它能优化银行服务资源配给，降低服务成本，并通过丰富的中间业务种类，全方位地为客户服务并改善银行与客户之间的关系，自助银行将逐渐成为现代商业银行为客户提供服务的主流渠道，成为银行提高核心竞争力的重要手段。     

对银行情感营销的价值认识

银行情感营销(Emotion Marketing)是指,以情感为纽带,在银行、员工和客户之间建立长期、持续、稳定和互动的关系;以情感为基本元素,使银行产品和服务增值,提升银行的核心竞争力;以情感为整合手段,将情感渗透到银行营销各环节,对传统银行营销理念、模式和流程等进行再造.在此基础上,将银行产品和服务顺利引向客户,最终实现客户、员工和银行的三方满意.     

对转型期国有商业银行服务文化建设的思考

随着经济全球化和国有商业银行脱胎换骨般的股份制改造,以“客户为中心”、以服务为生存之本的理念已经成为国内银行的共同价值观。而在银行产品与服务同质化的今天,如何通过服务文化提升核心竞争力的问题已经凸现,成为转型期银行的焦点问题。本文就如何加快银行服务文化建设,加强服务科学管理,提升核心竞争力等问题进行了探讨。     

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.