浅析浙江农村金融支持农业产业化发展的难点及对策

资金是影响农业产业化发展的主要因素,近年来,随着社会发展,我国农业产业化进程不断加快,但是,整体来看,资金始终是制约农业产业化发展的瓶颈。文章结合浙江农业产业化发展现状,指出了农村金融支持农业产业化发展难点,提出了解决农村金融支持农业产业化发展的对策。     

对邢台市农村金融支持农业产业化发展的调查与思考

在新农村建设中,农村金融支持农业产业化发展的现状如何,农村金融部门如何发挥在支持农业产业化中的作用。本文通过开展对农村金融支持农业产业化发展现状调研,剖析了农村金融在支持农业产业化发展中的问题,并提出促进农业产业化可持续发展的建议。在新农村建设中,农村金融支持农业产业化发展的现状如何,农村金融部门如何发挥在支持农业产业化中的作用。本文通过开展对农村金融支持农业产业化发展现状调研,剖析了农村金融在支持农业产业化发展中的问题,并提出促进农业产业化可持续发展的建议。     

县域金融支持农业产业化的制约因素及对策思考——对常德市县域金融支持农业产业化的现状调查

农业产业化是改造传统农业,实现农业现代化的有效途径。为了解常德市县域农业产业化发展的金融支持情况,近期,我们对常德市7个县(市)进行了实地调查,调查结果表明:近年来,县域农业产业化快速发展,对县域经济发展起到了积极推动作用,金融在支持农业产业化发展中成效显著,但受多重因素制约,仍无法完全满足产业化发展过程中的有效资金需求,制约了农业产业化的进一步发展壮大。     

合理调整农业产业化资金投入结构

农业产业化是改造传统农业,实现农业走上市场化、规模化、集约化经营,农村走上繁荣,农民走上富裕道路的必由之路。对增强我国农产品的国际竞争力具有重要战略意义。近年来,从中央到地方,相继出台了一系列支农、扶农的政策和措施,加大了对农业投资的力度。但是,目前的国内农业产业化的发展过程中仍存在很多的问题,其中农业产业化的资金供需失衡是制约农业产业化发展最大的障碍。因此研究农业产业化资金结构问题,促进我国农业产业化良性稳定的发展具有相当的紧迫性和必要性。本文首先阐述了我国农业产业化资金投入的现状及存在的问题,然后对我国农业产业化面临的资金困境进行了深入系统的剖析,在此基础上,提出了今后解决我国农业产业化发展资金的思路和对策,指出必须建立有利于农业产业化发展的财政资金稳定增长机制,推进农业基础结构调整,培育农业科技龙头企业,强化农业科技投入,搭建农产品市场等,多头并进,推进农业产业化进程。     

关于金融支持农业产业化发展的调查报告

中国人银行济南分行所辖山东、河南均为农业大省,农业产业化走在全国前列.近年来,济南分行辖区金融机构加大了对农业产业化的支持力度,在农业产业化快速发展中起到了举足轻重的作用,同时,农业产业化的发展对农村经济和农村金融都产生了重要影响.顺应农业发展的趋势,金融机构应进一步做好服务,支持农业产业化的发展.     

边远少数民族贫困地区农业产业化发展问题——以贵州黔东南州为案例

农业产业化发展是调整农业产业结构、推动传统农业向现代农业转变、推进社会主义新农村建设和增加农民收入的重要途径。近年来,贵州省黔东南州在州委、州政府的领导下,大力推动农业产业化发展,取得了一定效果,但发展过程中仍然面临不少问题和困难,严重阻碍了全州农业产业化经济发展。笔者从黔东南农业产业化发展现状出发,深入分析阻碍黔东南农业产业化发展的现实问题和困难,并提出了进一步推动全州农业产业化发展的金融支持措施和建议。     

关于金融支持农业产业化发展的调查报告

中国人银行济南分行所辖山东、河南均为农业大省,农业产业化走在全国前列。近年来,济南分行辖区金融机构加大了对农业产业化的支持力度,在农业产业化快速发展中起到了举足轻重的作用,同时,农业产业化的发展对农村经济和农村金融都产生了重要影响。顺应农业发展的趋势,金融机构应进一步做好服务,支持农业产业化的发展。     

农业产业化与农产品贸易之间的关系探讨

农业产业化与农产品贸易之间具体十分紧密的联系,尤其是随着近年来我国农业产业化的快速发展,农业产业化的各个环节均对农产品贸易产生了积极的促进。文章对当前我国农业产业化和农产品贸易发展状况进行了分析,阐述了农业产业化对农产品贸易的积极促进作用,并提出了运用农业产业化优势提升农产品贸易水平的对策。     

金融助推农业产业化龙头企业的思考

农业产业化发展需要大量的资金支持,现有金融和农村金融体系在支持农业产业化方面存在诸多问题。本文就互助县农业产业化发展情况进行了调查,在分析农业产业化龙头企业面临的融资瓶颈后,针对性地提出加强金融支持农业产业化龙头企业的若干建议。     

金融助推农业产业化龙头企业的思考

农业产业化发展需要大量的资金支持,现有金融和农村金融体系在支持农业产业化方面存在诸多问题。本文就互助县农业产业化发展情况进行了调查,在分析农业产业化龙头企业面临的融资瓶颈后,针对性地提出●加强金融支持农业产业化龙头企业的若干建议。     

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.