东北老工业基地国有商业银行的经营现状和改革建议

党的十六大以来，重振东北老工业基地作为一项新的国策，成为各界关注的焦点；与此同时，在东北特定经济背景下，长期与老工业基地国有企业休戚相关的国有商业银行所承担的政策成本、经济转制成本和国企改革成本也逐渐被认知。本文联系某行实际，从信贷资金财政化风险、信贷资金政策性风险及国有企业转制风险等多个层面入手，阐述了实现国有商业银行脱贫解困是振兴老工业基地的重要内容；并且，老工业基地的调整和改造也离不开其后续支持。因此，国有商业银行自身要树立新观念，构造新机制，增强自我调整能力；同时，还要争取国家、上级行及相关部门的必要扶持，促其尽快步入良性发展轨道。     

老工业基地经济振兴需要金融创新

老工业基地省份国有老企业多，市场化程度较低，结构性矛盾日益突出。近年来，国家在国有企业和国有商业银行改革、发展等方面采取了一系列措施，但要从根本上解决问题，必须从战略上调整经济结构，包括调整产业结构、调整所有制结构、调整国有经济结构，同时，也应当调整老工业基地省份     

在振兴东北老工业基地中发挥国有商业银行的整体优势

东北老工业基地的调整改造和振兴是党中央作出的一项重大战略决策，是党和国家今后一个时期的工作重点。这给东北三省老工业基地提供了重大的发展机遇，也为东北地区国有商业银行的改革和发展创造了难得的商机和历史机遇。因此金融业必须调整经营战略，积极参与老工业基地的振兴过     

老工业基地工商银行的发展战略定位与政策取向

随着中央区域政策向东北老工业基地倾斜,东北再次成为国内外各界讨论的话题;而伴随着老工业基地国有企业兴衰的工商银行未来的发展也成为人们关注的焦点.本文立足于实现老工业基地与工商银行的"共振双赢",指出工商银行在发展战略上要立足于自力更生,关键是要用"新观念"、"新体制"、"新机制"走出加快振兴的新路子;在政策掌握上要把老工业基地调整改造与工商银行说贫解困相结合,把解决国企债务负担和化解银行不良贷款相结合,把促进老工业基地传统产业升级和银行信贷结构调整相结合,把经济的多元化发展与打造银行核心竞争力相结合,把分类管理与区别对待相结合.     

吸收外商投资 促进东北振兴

<正> 振兴东北老工业基地是目前最热门的话题之一,也是国内外关注的中国经济发展的焦点问题,人们在从不同的角度探讨如何振兴东北老工业基地,就像我们谈论中国的经济发展离不开对外开放一样,那么,我们谈论振兴东北老工业基地这一话题,同样要与开放型经济特别是吸收外商投资联系起来。 一、吸收外商投资在振兴东北老工业基地中的定位 有人说振兴东北老工业基地要调整产     

区域金融助力东北振兴

金融是区域经济发展的“第一推动力”,经济振兴和金融振兴之间又是相辅相成、互为促动的关系。自2003年提出振兴东北老工业基地重大战略决策以来,东北老工业基地的调整、改造和国有企业的改革,使东北地区银行业不良资产问题得以逐步化解,银行商业化步伐不断加快。同时,银行业自身也开始积极调整经营战略,打造新型经营模式．适应新的发展形式,更好地服务于地方金融市场。     

国家开发银行助飞新东北

国家开发银行成立10年来,充分发挥开发性金融的独特优势,鼎力支持东北老工业基地的基础设施、基础产业、支柱产业以及高新技术产业的重大项目建设,在防范和化解风险的同时,努力帮助经营困难的国有企业走出困境、焕发活力,为振兴东北老工业基地,促进区域经济的发展发挥了重要作用     

加快东北老工业基地国有经济布局和结构调整的思考

从战略上调整国有经济布局和结构,是经济体制改革的一项重要内容,也是深化东北老工业基地国有企业改革的一项重大措施。几年来,虽然国有经济布局和结构的调整取得了积极进展,但从总体上看,国有经济布局和结构不合理的状况尚未根本改变。布局仍然过宽,结构不尽合理,在某些领域或行业的比重过大等问题依然存在,这不仅影响到国有经济质量和效益的提高,影响到国有经济重要作用的发挥,而且也影响到国有资产管理体制改革和国有企业改革的深化。因此,必须加快东北老工业基地国有经济战略性调整的步伐。     

老工业基地工商银行的发展战略定位与政策取向

随着中央区域政策向东北老工业基地倾斜，东北再次成为国内外各界讨论的话题；而伴随着老工业基地国有企业兴衰的工商银行未来的发展也成为人们关注的焦点。本文立足于实现老工业基地与工商银行的“共振双赢”，指出工商银行在发展战略上要立足于自力更生，关键是要用“新观念”、“新体制”、“新机制”走出加快振兴的新路子；在政策掌握上要把老工业基地调整改造与工商银行脱贫解困相结合，把解决国企债务负担和化解银行不良贷款相结合，把促进老工业基地传统产业升级和银行信贷结构调整相结合，把经济的多元化发展与打造银行核心竞争力相结合，把分类管理与区别对待相结合。     

振兴东北老工业基地的资金"入口"与市场"出口"

党的十六届三中全会提出振兴东北老工业基地。振兴东北老工业基地,关键是资金"入口"和市场"出口"。解决资金"入口"的途径有:资本市场筹措;银行借贷;政府财政支持;提高资本使用效率等。解决市场"出口"问题,必须转换国有企业经营机制,调整产品结构,提高技术水平,满足市场需要。     

SIGNIFICANT DEVELOPMENTS IN MOTOR INSURANCE IN THAILAND

ABSTRACT: The 1990s saw rapid economic growth in Thailand. Motor insurance grew enormously, becoming the biggest income earner for total general business (both for the whole industry and for many individual companies). Cash flow underwriting seemed to be the recipe for success in a competitive market.
The agency distribution system for motor insurance in Thailand is almost wholly controlled by finance companies and banks, which expect a high rate of commission. Their delay in paying over the premiums to the insurers created bad-debt problems after the 1997 economic crash, when the government closed many of these financing companies. This also meant an end to the motor insurance boom, with a decrease in premium income and a reduction in investment returns and assets, thus threatening solvency margins.
Earlier in the decade, in 1993, there was the introduction of compulsory third-party insurance, followed by the establishment by the government of provincial bureaus to help these third-party claimants. And in 2000, just in time for the next wave of economic growth, a new rating system has been introduced to bring sophistication to the basic process of evaluating and pricing different risks, though still within a government tariff system. Liberalization is coming, in stages, and the industry is making changes so as to be in a fit state to cope with the increased competition and opportunities that this liberalization will bring.
Like all setbacks, the crash of 1997 was an opportunity for Thai motor insurers to examine the fundamentals of their business and plan to increase their professionalism. Some are already well on the way to high-quality service, meeting ISO 9002 standards, and have begun Internet trading.     

在商海中培养,由市场中造就--建立面向市场的金融人才队伍的思考

"未来市场中的稀缺资源不再是资本,而是优秀的人才."美国企管界大师史考特·派瑞博士如是说. 金融改革除体制、机制等结构或政策性改革的重要性外,人的把这部分网点的得关注与探讨.竞争已不单单表现在金融产品、市场份额、服务质量等方面,更突出的表现在对人才资源争夺上.     

LATEST DEVELOPMENTS IN LOCAL GOVERNMENT ACCOUNTING IN SPAIN

This paper provides an analysis of the present situation concerning local government accounting in Spain following recent reforms introduced in the early nineties. It presents a picture of the main features of Spanish local finance—budgeting and accounting, the measurement focus, and the basis of accounting—and analyses the financial reporting system adopted by Spanish municipalities. This is followed by a critical review of several weak points in the reform which in the author's view will encourage further developments.     

CHANGES IN POVERTY AND INEQUALITY IN DEVELOPING COUNTRIES

This paper presents new data on poverty, inequality, and growthin those developing countries of the world for which the requisitestatistics are available. Eco-nomic growth is found generallybut not always to reduce poverty. Growth, however, is foundto have very little to do with income inequality. Thus the "economiclaws" linking the rate of growth and the distribution of benefitsreceive only very tenuous empirical support here.      

REGULARITIES IN THE VARIATION OF SKEWNESS IN ASSET RETURNS

This paper documents regularities in the comparative skewness characteristics across several classes of assets and over time. We find smaller capitalized stock indices are more negatively skewed than larger stock indices. Over time, the skewness of stock indices follows a business-cycle-related variation. Skewness is more negative during economic upturns and less negative, even positive, during downturns. Three alternative methods for testing the statistical significance of skewness and for making confidence interval estimates of skewness are presented. These include a bootstrap methodology and a test that allows for nonindependent observations.     

CORRELATED BEHAVIOR IN LIMIT ORDER CANCELLATIONS,COMOVEMENT IN ASSET RETURNS,AND COMMONALITY IN LIQUIDITY

We examine whether there is common behavior in limit order cancellation activity, that is, commonality in cancellation activity, on U.S. exchanges. We then examine whether this commonality in cancellation activity is associated with increased levels of return comovement and commonality in liquidity. We document strong evidence of limit order traders exhibiting exchange, industry, marketwide, and stock-level commonality with regard to cancellation activity, which is consistent with limit order traders exhibiting correlated trading behavior. We also find that this correlated behavior in cancellation activity is associated with increased levels of return comovement and commonality in liquidity.