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近年来,农村金融服务短缺,农民贷款难的问题突出。据银监会的统计.在我国近2.3亿农户中,有贷款需求的1.2亿户,大概有1亿户符合贷款条件。从我国农村信用社贷款的情况看,发放了7000多万个贷款证、贷款卡。在一年中贷款的高峰时期,农信社为大约6000万户农民提供了贷款。也就是说。有贷款需求的农户中只有一半能够得到贷款。资金严重短缺困扰着我国农村经济的可持续发展。 相似文献
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2000年中国人在资本市场上一往无前的勇气和魄力,为2001年中国在资本市场更大的突破奠定了基础,继民生银行上市之后,更为石破天惊的一幕可能会出现:在2001年,私人资本进入金融业,真正的民营银行可望开业。 相似文献
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本刊讯 中国民生银行日前宣布,将正式推出中小企业金融服务整体品牌——“财富罗盘”,并表示未来三年中小企业贷款年均复合增长率将达200%,期望到2011年末,按该行定义的中小企业贷款达到2000亿元。民生银行将在未来三年将加大二级分行和异地支行的建设力度,实现总网点数翻一番。该行对中小企业的界定是,即总资产不超过2亿元——这个标准比通行的国家标准小整整一半。 相似文献
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一、金融互换会计信息披露现存的问题
一是金融互换的初始会计确认时点不一。2006年,深圳发展银行、民生银行和招商银行主张在互换合约签订日对其进行初始确认,而浦发银行则在交易发生日将互换确认为一项资产或负债。但是,有时双方即使签订合约,也不是在当日进行交易,而是在签订合约后的某一时日进行交易。不同的初始确认时间会对资产负债表和利润表产生影响,进而影响到提供会计信息的可括性。 相似文献
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Economic Structure and Economic Development 总被引:1,自引:0,他引:1
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党的十六届五中全会明确提出:“要加快建设资源节约型、环境友好型社会,在全社会形成资源节约的增长方式和健康文明的消费模式。”对此,国务院总理温家宝在全国”做好建设节约型社会近期重点工作”电视电话会议上强调:加快建设节约型社会,事关现代化建设进程和国家安全,事关人民群众福祉和根本利益,事关中华民族生存和长远发展。要从全局和战略的高度,充分认识加快建设节约型社会的极端重要性和紧迫性,迅速行动起来,在全国范围内大张旗鼓、深入持久地开展资源节约活动,加快推进节约型社会建设,促进我国经济社会全面协调可持续发展。由此可见,建设节约型社会已成为当前全国人民面临的一项紧要任务。 相似文献
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经济函数是联系经济和数学的纽带,建立相应的数学模型,找出经济变量之间的函数关系。本文主要介绍了几种常用的经济函数,结合经济案例讨论了最大利润问题、最低成本问题、需求弹性问题和价格弹性问题。 相似文献
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SEAN HOLLY 《Economic Outlook》1991,15(9):32-38
Economic forecasters have come in for a lot of criticism in recent months. But this is not new. The failure to predict the boom in 1988 and ensuing inflation and balance of payments problems led to some serious re-examination of the structure of the main macroeconometric models in the UK. The speed with which the UK economy moved into sharp recession in the second half of 1990- also appeared to catch most forecasters on the hop. This Briefing Paper is not directly about forecasting; it is about macroeconometric models. However, forecasting provides by far the most extensive use of these models. Not all macroeconomic forecasters use a formal econometric model - some City economists find a spreadsheet more than adequate - but those that do find that they are an invaluable aid to clear thinking and provide an effective way of filtering all of the information that is available, in one form or another, about the economy. This paper was originally intended to provide a retrospective review of the development of UK macro-models since the late 1970s, coinciding broadly with my period at London Business School. However, it became clear that there was a need to argue more generally in favour of macro-modelling, given the numerous assaults that this activity has sustained over the last 15 years. I want to demonstrate that the conduct of research in this area - at the very least in the UK - has been, and continues to be, a progressive research strategy in the sense in which philosophers of science use this term. I believe that macro-modellers, because they have an obligation to forecast and to make the forecast public, are closer to how theoretical constructs in economics conflict with the observation of economic events, and provide a more robust testing ground for economic theories than the relatively narrow - though very important - confines of single equation statistical testing, that dominate academic journals. This should not mean that every new theoretical idea should be expected to be able to survive immediately the rigours of testing within an existing macro-model. One of the attractions of recent developments in macroeconomic theory has been an explicit attempt to seek to try to reconcile macroeconomics with micro-economic reasoning and to derive macroeconomic principles from how rational, maximizing individuals can be expected to behave in a market economy. There is always a need periodically to re-examine the basic postulates of any area of economics, especially one such as macroeconomics, which provides the basis for the conduct of national and international economic policy, and for providing explanations for economic cycles. Macro-econometric model building is a worthwhile exercise because it confronts theoretical models of how the macro-economy is supposed to work with the hard lessons of experience. The use of these models for forecasting is therefore crucial to their continued growth and development. 相似文献