互联网金融环境下金融专业人才需求和培养探讨

文章在分析互联网环境对于金融人才的培养有新需求的基础上,结合当前金融人才的培养现状及互联网金融发展与金融教育的脱节、市场需求即时性与教育创新滞后性的矛盾、区域经济发展与区域互联网金融教育需求不均衡的问题,从更新教学理念、创新教学方式、融合与发展教学体系、创新校企合作人培养机制、开展国际合作等五个方面对互联网金融背景下高校金融专业人才的培养及创新模式进行了相关探究。     

知识经济时代下民族地区金融人才培养模式的探索

知识经济时代的竞争是人才的竞争.作为现代经济运行的核心和前沿阵地的金融业,对金融人才培养质量有着特殊的要求,尤其是少数民族地区经济金融发展更是如此.结合区内外高校金融学教育教学实际和我区乃至我院金融人才培育的发展情况,探索知识经济时代下少数民族地区金融人才在培养目标和规格、培养的课程体系、培养的教学内容、培养的教学方法和手段以及所需师资等方面如何定位和建设规划的问题.     

不同层次金融工程人才的知识结构与培养模式

金融工程不仅有一个综合性、理论性很强的知识体系，也包含着实用性、灵活性很强的一套方法和技术。其人才特点是既要有系统、扎实的理论，又要有较强的实际能力。培养学士、硕士和博士各层次金融工程人才，必须充分考虑实践中对各类金融工程人才的基本要求，以此来修正我们培养各层次人才的具体定位。     

梦游中焦虑的中国金融

前篇提到金融人才的教育和培养应该学习最基本的和最新的。之所以反复强调人才教育培养问题，是因为人才决定发展的方向和模式，决定未来。而现有的问题，也大多是人的问题或人引起的问题。就中国金融而论，目前人们大多处于梦游中的焦虑状态。     

复合型金融人才及其培养模式探析

复合型金融人才是应用复合型人才理论结合金融业发展要求催生出来的一种新型人才。目前我国金融人才培养现状不利于复合型金融人才的培养,应根据我国金融人才需求,根据复合型金融人才能力构成要求,从培养目标、培养方案、培养方法、培养师资和培养体系等多方面构建复合型金融人才培养模式。     

金融工程专业应用型人才培养适应性调查研究

随着我国金融行业的深化改革,金融体系日趋完善,用人单位对人才的需求发生了新的变化。通过实地访谈部分浙江省用人单位和走访部分院校了解其金融工程专业人才培养模式,得出了用人单位更需要大量能够尽快适应一线工作岗位、具有一定理论基础的应用型金融人才。文章从用人单位对人才的需求状况分析、通过访谈结果分析人才培养中存在的问题、总结此次调研的启示和建议等三个方面展开此次研究,该结果对地方高校金融工程专业人才培养方案的调整提供了建设性的对策和建议。     

论西部开发中的金融教育策略

西部大开发，最为关键的是人才开发与利用。实施开发中的金融教育，必须建立现代化的人才观、价值观，西部金融人才的培养重在开拓、创新，建立金融教育政策体系。     

独立学院金融人才培养模式探讨

目前,独立学院培养了我国大量的金融人才,但是由于独立学院在我国还是新生事物,在金融人才的培养方面存在很多问题。本文就独立学院金融人才培养的定位和策略进行了初步的探讨,并就独立学院金融人才的培养问题提出了一些具体的建议。     

订单式教育:校企联合培养金融人才的新模式

浙江金融职业学院是我省唯一以培养金融高层次应用人才为目标的高等职业院校.高等职业教育必须依托行业、服务行业,为行业一线培养基础理论扎实、动手能力强的实用人才.近年来,我校在深化高职教育改革,创新高职教育模式,密切与行业的合作,共同培养行业欢迎的实用人才方面做了许多有益的探索.订单式教育就是行之有效的校企联合培养金融人才的新模式.     

培养跨世纪金融人才迈出坚实的步伐

培养跨世纪金融人才迈出坚实的步伐本刊讯：在刚刚结束的第三次跨世纪金融人才研讨会上，记者欣喜地了解到，由中国教育基金会倡导，中国人民银行教育司、金融时报社共同发起的跨世纪金融人才研讨会，已连续三年，每一次都紧紧扣住培养现代化金融跨世纪人才的主题，使研讨...     

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.     

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.     

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.     

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.     

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.     

Properties of time-series estimates of degree of leverage measures

Empirical studies suggest that time-series regression estimates of the degrees of operating and financial leverage have a tendency to produce measures less than one. According to ex ante theory, these measures should be greater than one for firms operating above the breakeven point. There have also been suggestions that the biases in these estimates may be attributable to an underlying increase in unit sales. This work presents evidence that these counter-intuitive measures are produced by changes in the firm's operating parameters (unit price, variable cost, fixed cost and interest payments). It further suggests that attempts to control for the underlying change in unit sales substantially increase the volatility of predicted estimates.