提升客户体验 打造一流网上银行——访中信银行零售银行部电子银行部副总经理陈树军

目前，电子银行已成为国内各家商业银行重要的销售渠道之一，同时也是体现创新能力的重要标志之一。如何提升网银品牌知名度和客户认可度，提供安全易用的网上银行服务，已是各家银行开展电子银行业务普遍关注的问题。     

工行网银成就业务新亮点——访中国工商银行电子银行部副总经理龙春玲

中国工商银行网上银行业务起步于2000年。几年来，该行网上银行业务跨越式发展，无沦是业务量、用户数，还是功能和安全性都居国内同业领先地位，成为工行经营管理中的新亮点。日前，本刊记者就工行网上银行所取得的成就、采取的安全措施及未来发展方向等问题采访了中国工商银行电子银行部副总经理龙春玲。     

洋浦分行实施"批发性银行"战略促进经营效益稳步提高

2003年,中国工商银行海南省洋浦分行各项业务继续保持了旺盛增长态势,经营效益和资产质量持续、快速、健康发展,主要指标走势良好.在海南省经营环境相对困难的情况下,坚持以"批发性银行"作为自身的经营发展战略,取得了不俗的表现.     

95588：一切为了客户——访中国工商银行电子银行中心副总经理张明

随着个人理财业务,信用卡业务和个人信贷业务的发展,客服中心（Call Center）在商业银行中的地位变得越来越重要,它直接影响到商业银行的业务受理能力、服务能力和竞争能力。近几年,国内商业银行的客服中心建设发展较快,不少银行在客服中心上加大了投入,在场地,设备和人员等方面均有较大扩充和提升,这对商业银行完善客户服务,促进业务发展产生了积极作用。目前,国内典型的商业银行客服中心发展到了什么程度？运营管理情况如何？又如何服务于信用卡业务的发展？带着这些问题,记者走访了中国工商银行电子银行中心副总经理兼成都分中心总经理张明。     

发挥电子银行渠道优势提升服务“三农”水平

随着城乡—体化、农村城镇化进程逐步加快,我国已进入统筹城乡发展的新时期,县域经济日益呈现出巨大的发展潜力和内在活力,中小企业异军突起,个体民营经济迅速壮大,农民融资消费等需求呈现多元化、深层次的特点,这给作为农村金融主力军的农村信用社提出了更高要求。     

战略转型带动跨越式发展——访中信银行行长陈小宪

当前我国正处于工业化、城市化、信息化发展的关键时期,也正是转变经济发展方式和调整经济结构的加速转型期。在这样的大背景下,商业银行必须尽快转型,切实支持实体经济,走一条资本节约的发展新路。中信银行发展的25年来,每一次跨越式的发展无不渗透着成功的战略转型。2005年向零售银行转型,解决了生存问题;2007年的重组转型,解决了银行公司治理和体制机制的现代化,国际化问题;2010年提出了"调结构,强管理、促发展"的指导思想,进入了前瞻性转型阶     

给银行的数据赋予“生命”——访NCR数据仓库事业部中国区副总经理王闯舟

数据仓库因具有对海量数据进行强有力的分析功能，银行可以把这些数据按照统一的规定规则进行清洗、转换和利用，形成全面集成的客户信息，总的来说就是将银行内部的市场流程和风险控管好，为银行作出战略性决策和提高核心竞争力提供科学的依据，这也是目前国内银行对数据仓库关注程度越来越高的原因。     

运用信息技术促进金融创新提高金融信息服务水平

如何实现金融信息化?这是一个需要银行、保险、证券、税务等行业共同面对的课题。如何实现银行信息化?则需要人民银行和各商业银行以及IT企业一起回答。在日前召开的2002中国国际金融（银行）技术暨设备展览会上,银行数据大集中和管理信息化等话题成为备受关注的焦点。本刊特别刊发以几位银行系统高层管理者在第三届金融信息化发展论坛上的主题演讲为蓝本的精彩文章,以期与广大读者共同关注金融信息化的深层次问题,希望各界人士对此作进一步探讨。     

中关村促进战略性新兴产业发展政策指引

实施＂十百千工程＂,扶持一批战略性新兴产业领域的创新型企业做强做大聚焦电子信息、生物、新能源和环保、新能源汽车、新材料、航空航天等战略性新兴产业领域,按照核心团队优秀、创新能力强、处于行业主导地位、成长速度快、品牌知名度高等标准,选择一批企业给予重点支持,提高自主创新能力,促进企业跨越式发展。     

Public awareness promoting new or emerging risks: Industrial accidents triggered by natural hazards (NaTech)

Dramatic natural events recently stroke several countries worldwide. The impact of the natural events on industrial sites often resulted in large releases of hazardous materials, causing severe technological accidents (Natural-Technological or NaTech events). Industrial operators were often found unprepared or off-guard for unannounced events but also when they had received early warnings. Due to these occurrences, public awareness has raised and the issue of NaTech is now considered as an emerging risk. Due to the climate change and increase in the frequency of some categories of natural disasters, the likelihood of NaTech scenarios is growing, thus NaTech may be also considered as a new risk in some areas of the world. In the present study, the process that ended in the awareness of the scientific community and of the general public toward NaTech has been analyzed. Available tools and knowledge gaps in the assessment of NaTech scenarios are evidenced. The analysis is mainly addressed to the potential impact of flood, lightning, and earthquake events on industrial installations where hazardous substances are present, aiming at the identification of strategies to improve the resilience of industrial facilities to technological accidents caused or intensified by natural hazards.     

The effect of banking market structure on the lending channel: Evidence from emerging markets

This paper analyses the extent to which the level of bank competition influences monetary policy transmission. Using a large panel dataset of 978 banks from 55 countries, and employing the Lerner index model as a measure of market structure, our results show that an increase in banking sector competition weakens the effectiveness of monetary policy on bank lending. The findings are robust to a broad array of sensitivity checks including control of alternative measurements of the Lerner index, different samples and different methodological specifications. By extension, these results have important policy implications for regulators in assessing the effectiveness of monetary policy transmission mechanisms.     

精细化防风险促发展——展望后危机时期的2010年

2009年,在贯彻中央保增长、扩内需、调结构的方针和克服国际金融危机带来的严重困难方面,我国取得了世人瞩目的成就.各项惠民政策出台,经济结构得以调整,国民经济保八已无悬念,促使金融发展环境不断向好,为信用卡业务持续发展创造了更加广阔的市场空间.     

Foreign bank penetration and the lending channel in emerging economies: Evidence from bank-level panel data

This paper examines the main implications of recently increasing foreign bank penetration on bank lending as a channel of monetary policy transmission in emerging economies. Using a dynamic panel model of loan growth, we investigate the loan granting behavior of 1273 banks in the emerging economies of Asia, Latin America, and Central and Eastern Europe during the period from 1996 to 2003. Applying the pooled OLS, system GMM, and panel VAR estimators, we find consistent evidence that foreign banks are less responsive to monetary shocks in host countries, as they adjust their outstanding loan portfolios and interest rates to a lesser extent than domestic private banks, independent of their liquidity, capitalization, size, efficiency, and credit risk, and although there exists a bank lending channel in the emerging economies, it is declining in strength due to the increased level of foreign bank penetration. We also explore possible driving factors for the different responses of foreign and domestic banks to monetary policy shocks by investigating foreign banks’ different behavior during banking crises and tranquil periods, the effects of mode of entry to host countries, the home-country effects, and the response of foreign banks from OECD countries vs. all foreign countries including non-OECD countries. We suggest the access of foreign banks to funding from parent banks through internal capital markets as the most convincing explanation.     

发挥资产评估作用 服务资本市场资源配置——发挥专业价值评估作用 促进资本市场资源整合和规范发展

编者按：上市公司并购重组,作为资本市场优化资源配置的一种有效手段,在我国经济结构调整和产业升级的进程中,正发挥着日益重要的作用。作为上市公司并购重组中的核心环节,并购价值的确定,离     

创建共同平台,促进中欧对话——访中国欧盟商会秘书长马乔治

记者:中国欧盟商会这一组织设立的背景以及使命是什么? 马乔治:中国欧盟商会成立于2000年10月19日,最初由51家在华的会员公司组成,致力于帮助欧盟企业了解中国的法规以更加适应当地经营环境,以此促进欧洲在华企业间的交流与联系,与中国政府开展建设性的对话,从而改善中国的商业环境.中国欧盟商会的成立得到了欧盟委员会和中国政府的认可,是欧洲企业在华意愿表达的官方声音.欧盟商会代表欧洲在华企业的意见;力求为中欧政治和经济领域的高层提供沟通渠道;关注和报告中国的市场准入情况;就贸易相关问题展开磋商和对话.     

深化IT应用,推动业务创新——访安邦财产保险公司副总经理屠锦成

安邦财产保险股份有限公司是（以下简称“安邦保险”）于2004年9月成立，是经营财产保险、意外险和短期健康保险业务的全国性保险公司。2005年安邦保险业务网络迅速发展，一年内在全国范围内设立了37家省级分公司，在北京、上海、广州、成都、沈阳等国内重点城市及西藏、内蒙古、新疆等地区均设立有分公司。安邦以车险业务为核心业务，当年保险业务总额突破10亿元，实现盈利2800万元。经中国保监会批准，安邦保险注册资本金由起初的5亿元人民币增至16．9亿元人民币，在中资财产保险公司中居于前列。     

Monetary rules for small,open, emerging economies

This paper develops a variant of the IMF's Global Economic Model suitable to analyze macroeconomic dynamics in open economies, and uses it to assess the effectiveness of Taylor rules and inflation-forecast-based (IFB) rules in stabilizing variability in output and inflation. Our findings suggest that a simple IFB rule that does not rely upon any direct estimates of the equilibrium real interest rate and places a relatively high weight on the inflation forecast may perform better in small open economies than conventional Taylor rules.