银商之争：“变了味”的商业事件

取消对银行卡手续费率的管制或者提高制定手续费率的透 明度,才是解开银商之争的死扣所在     

交换费的经济学分析

交换费是银行卡费用中最重要的一部分,也是商户与银行最容易起磨擦的部分.本文从银行卡产业的定价机制,交换费在银行卡组织中的作用,社会最优交换费等方面对交换费进行了经济学分析.     

对发展银行卡产业的思考

国家已把发展银行卡产业作为建设诚信社会重要举措来抓,虽然我国银行卡事业起步较晚,且受到传统文化、信用环境和法制建设的制约,但其后发优势不可低估。从剖析银行卡产业发展现实障碍入手,对银行卡产业发展进行实证分析,结论是:发展银行卡产业关键在于观念到位。同时,要加快银联发展步伐,提高银行卡的科技含量,建立健全相应的法律制度。     

东亚银行卡产业的对外开放

银行卡产业有其自身的特点,结合发卡银行、收单机构和转接组织的交易信息,并在此基础上再追溯到特约商户的交易记录系统的话,     

深圳银商之争评述——深圳商界拒卡风波对我国公平竞争制度的考量

据2004年5月13日《经济参考报》报道，深圳市零售商业协会向深圳银联和深圳银行同业公会发出警告，要求银行降低刷卡手续费标准，否则他们将联合起来共同拒绝刷卡。此后，双方虽围绕刷卡手续费标准进行谈判，但未能达成协议，于是引发了6月2日和3日商家联合抵制刷卡行动。对深圳暴发的这次银商之争，在全国各大新闻媒体的渲染下，成为人们热烈讨论的话题，也引起国家反垄断法起草专家组的关注，该专家组在听取了深圳零售商行业协会的情况汇报后表示，将对此事件进行全面研究，作为制定反垄断法的案例材料。     

银行卡收费研究

银行卡消费收取费用存在争议,有银行的原因,也有商户的原因,还有居民意识方面的原因。解决银行卡收费问题,是银行卡市场健康发展的关键。     

有理才能行得通

工、农、中、建四大商业银行对银行卡收取ATM跨行跨境查询手续费已成现实，境内ATM跨行查询每笔手续费为0．3元。对在境外的银联网络上发生的ATM查询交易。每笔收费为4元人民币。表面上看。银联向银行收取跨行交易的费用，这属于银行占用银联网络资源所要支付的费用；而银行认为，银联网络资源的最终享用者是持卡人。所以持卡人应当替银行支付这笔费用；持卡人则只有选择放弃跨行使用银行卡，才能使这笔转嫁到自己身上的成本化为无形。不过，这条原本看似单向的利益链条，却因为银联与各家银行间的微妙关系。而显得复杂起来。     

国内信用卡业务面临的透支两难及对策初探

从商业模式来看，银行卡业务的利润来源有三种：透支利息、商户回佣和年费收入。2004年底，中国银行卡发行总量7．62亿张，总交易金额26万亿元。但消费交易仅6000亿元．只占不到3％的份额．其余97％都是现金存取和转账。同时。7亿多张银行卡中95％是年费收入甚微的借记卡．其中的透支利息和年费收入金额非常小．其主要收入来自于商户回佣。     

期待第三方支付能在规范与竞争中前行

酝酿6年之久的第三方支付牌照最终在5月26日揭开面纱。中国人民银行公布了首批27家获得“支付业务许可证”的企业名单，它们可以从事互联网支付、移动电话支付、银行卡收单、预付卡发行与受理、货币汇兑等诸多支付业务。其中，既有支付宝、财付通等民营第三方支付企业，也有银联商务有限公司、广州银联支付有限公司等国字头企业。     

简析商业银行银行卡市场发展战略

商业银行应适应市场需求变化和发展趋势,制定适合自身条件的市场发展战略.在目前银行卡市场中,运作模式呈现出联合化趋向.发卡行与持卡人、持卡人与特约商户、特约商户与收单行、收单行与发卡行循环不休的银行卡业务生态链条,成为既合作又有序竞争的一个利益共同体.     

Development in Information and Communications Technology (ICT) Statistics at the Australian Bureau of Statistics

This paper outlines the ICT statistical developments that the ABS has undertaken over recent years. These developments have been on both the supply side (ICT industry) and the demand side (use of IT by sector). The content of ABS ICT surveys has changed significantly over the last few years and are expected to develop further in line with industry changes and emerging policy needs.
Recent developments in household collections have been the inclusion of IT use questions in the 2001 Census of Population and Housing and in various ABS social surveys such as Children's Participation in Culture and Leisure Activities. Annual business IT use surveys are now conducted and include topics such as Internet commerce and IT security. Biennial ICT industry surveys are conducted to provide data on ICT production, imports and exports, ICT industry employment, performance and structure information. An Internet activity survey is run every six months and provides regional Internet access details and infrastructure details on Internet service providers.
A major development for 2002–03 will be the compilation of an ICT satellite account. ABS intends to produce an ICT Information Development Plan to guide its future statistical development work in the ICT field.     

Value at Risk in the Suburbs: Eminent Domain and the Geographical Politics of the US Foreclosure Crisis

Several US counties and local governments have recently considered a novel solution to the foreclosure crisis. They plan to use eminent domain to compel the owners of mortgage debt—and specifically of private‐label mortgage‐backed securities—to sell the debt to the government at a price reflecting the loan's market value. The government would then restructure the debt and resell it to new investors. The plans are striking because—in contrast to both development‐driven eminent domain and the federal subprime bank bailout—they would force investors to assume asset devaluation and increased long‐term risk. Notably, the plans have emerged as an instance of financialization‐focused politics in suburbs and suburban cities of color, specifically majority‐black and ‐Latino/a suburbs. Local support for the plans, we argue, is rooted in the long‐term disinvestment of these ‘suburbs of exception', which became targets of subprime lending and eventually sites where the ‘financial exception' has been localized. But these demographic shifts, fragmentation and fiscal pressures have at the same time created a suburban political terrain in which the plans have gained their strongest political support.     

Towards a Theory of Serendipity: A Systematic Review and Conceptualization

Serendipity – the notion of making surprising and valuable discoveries – plays a major role in the success of individuals and organizations alike. Previous research has established the importance of serendipity and identified important individual- and organizational-level antecedents. However, the literature has been dispersed and the boundaries of the concept have been blurry, leading to a lack of conceptual clarity and structure, and thus limiting validity and managerial actionability. Based on a systematic literature review, I synthesize existing management-related research on serendipity and explicate the emergence and composition of serendipity in the organizational context. I first identify three necessary conditions that differentiate serendipity from related concepts such as luck or targeted innovation: agency, surprise, and value. Then, I draw from the literature on sensemaking, event-based theorizing, and quantum-based approaches to management to conceptualize the process of cultivating serendipity in the organizational context as a process of enabling potentiality and materialization, and develop a multi-level theory of (cultivating) serendipity. This conceptualization contributes to our collective understanding of how, why, and when (i.e., under what conditions) organizations can leverage the value in the unexpected, which opens up fruitful avenues for further research.     

Accountability of NGOs in Bangladesh A critical overview

NGOs in Bangladesh have been recognized as effective change agents in the socio-economic arena throughout the world. Their contributions in micro credit, non-formal education and primary health care are widely known. NGOs play a significant role in society. NGO accountability, as a result, has become a critical issue. NGO accountability in Bangladesh has been examined here in relation to patrons, clients and themselves. Of the three relationships only accountability to patrons is in a near satisfactory state. Accountability to clients is handicapped by lack of opportunities of beneficiaries to participate meaningfully in NGO policy making. Accountability to themselves is adversely affected due to the adherence to a strictly hierarchical system and the influence of founding and charismatic NGO leaders.     

Towards an Asian model of human resource management? A comparative analysis of China,Japan and South Korea

There has been much discussion regarding the possible decline and weakening of national systems of human resource management (HRM). Yet, culture and institutions are often cited as the major stumbling blocks to this outcome. Such constraints may dissipate in the analysis, particularly if ‘regional clusters’ are considered where geographic and cultural closeness and ‘openness’ to similar economic pressures exist. In such cases, it might be postulated that convergence in HRM will occur. We argue that China, Japan and South Korea represent such a cluster. This article examines these countries, to see if a degree of convergence is taking place and if it is towards an identifiable ‘Asian’ model of HRM. A model of change is presented that distinguishes between levels of occurrence and acceptance. Details of the development and practice of HRM in each country are then set out. The article ends with a discussion and implications section and a brief conclusion.     

The Creation of the Office for National Statistics

A new Office for National Statistics was created in the United Kingdom in 1996 following a series of developments designed to strengthen the relevance and integrity of statistics. This paper describes these fundamental changes and sets out a blueprint for future progress. It also sets current developments in the United Kingdom in an historical and international context.     

What helps? Women engineers' accounts of staying on

We have considerable understanding of the obstacles that women engineers encounter and the reasons that they leave the field, but we know less about what enables them to remain. Adopting an interpretivist approach, this article examines how a group of British women engineers in two FTSE 100 companies account for “staying on” in their male‐dominated work settings. We delineate four specific forms of help that facilitate women's retention in the field. We argue that exposure to help leads to women developing a habitus that enables them to continue working in engineering. To conclude, we draw on our findings to outline HR practices that will facilitate supportive relationships in the workplace and pave the way towards developing more positive organisational climates.     

论现代物流企业的发展观

物流业经过诸多年的发展目前已经成为最热门的行业之一,物流企业的注册数量也与日俱增,达到前所未有的规模。毋庸置疑,任何企业都希望自己迅速做强做大,并成为真正现代物流企业的典型代表,要实现这一目标一个首要问题就是要解决现代物流企业的发展观问题。     

浅谈大体积混凝土裂缝的控制

大体积混凝土的裂缝问题是实际工程中长期困扰工程技术人员的问题,其控制技术的研究是混凝土结构研究的热点问题,具有重大的学术价值和潜伏的工程背景。     

Supply Chain Strategies in the UK Fashion Industry—The Rhetoric of Partnership and Realities of Power

This paper focuses on the fashion industry, one characterised by issues such as dramatic shifts in the scale and power of major retail buyers in the market, the advent of retailer own brands, and the nature of sourcing and supply chain decisions, issues that are increasingly global in nature. The aim of this research is to explore the nature of relationships between UK high street multiple fashion retailers and their contracted suppliers, many of whom are entrepreneurial firms by most definitions of the term. Four core themes emerge from the literature and provide a framework for the research, namely, power, process, partnership, and people. The research approach was qualitative, and conducted over a period of twelve months. The paper ends with an agenda for future research.