汶川大地震对银行业经营发展影响的调查——以四川省德阳市为例

“5．12”汶川大地震不仅使德阳市银行业金融机构遭受了重大财产损失,也使其经营行为和方式发生了一定变化。为了解此次地震对德阳市银行业经营发展带来的影响,把握震后银行经营中出现的新情况、新问题,近期我们设计了《德阳市银行业金融机构震灾调查问卷》,分别从财产受损、灾后业务开展、灾后金融服务与政策等方面对辖内银行类金融机构进行了专题调查。     

卷首语

“改革”是每一个中国人在2015与2014年轮更迭时谈论最多也是最期待的词汇。“散尽繁华见真淳”,历经了三十年的辉煌与喧嚣,中国经济停下了脚步重新审视曾经“一路凯歌”下积累的沉疴和出现的新症,于是一场“开弓没有回头箭”的破冰式改革开启大幕,又将赋予这片土地春回大地般无限的活力。     

金融危机五周年

近五年来全球应对金融危机的实践告诉我们,一味强调调结构而忽略稳增长,甚至不惜采用休克疗法来达到调结构的目的是有害的。     

关注、行动、反思——写给西南旱灾

汶川大地震之后,温家宝总理曾为北川中学的师生们写下＂多难兴邦＂这四个字。他说,对国家我们要记住这四个字,我们要昂起不屈的头颅,挺起不屈的脊梁,为了明天充满希望地向前迈进。历史似乎要更多地考验中国人的勇气与信心,当我们经历了2008年的地震、2009年的风灾之后,在2010年初,中国的西南地区又陷入到了严重的旱情之中。     

人人都奉献一份爱心和力量

2008年5月12日14时28分，中国四川汶川发生了特大地震。从那一时刻起，这里成为中国乃至全世界关注的焦点。之前，这里或许没有我们熟识的人；我们或许还不知道汶川的名字。而此刻，我们和这里每一个人的命运息息相关。震惊、苦痛、担心、焦急、感动……任何语言都显得那么苍白，都无法表述我们此刻的心情。     

美国和日本应急管理中的金融制度安排及启示

金融是经济的核心,金融体系对于中国5．12汶川大地震的恢复重建起着十分重要的作用。由于我国金融系统对突发灾难性事件的应急管理没有足够的经验和完善的制度,借鉴发达国家巨灾管理中的金融制度是一条捷径。本文通过总结和借鉴美国在“9．11”恐怖袭击事件、卡特里娜和丽塔飓风,以及日本阪神大地震灾后应急管理中的金融制度安排与措施,提出5．12汶川大地震应急管理中的七项金融制度安排和措施的建议。     

全省财政法制工作会议召开

8月30日，全省财政法制工作会议在培训中心召开，这次会议的主要任务是，学习贯彻2006年全国财政法制工作会议精神，回顾和总结近五年来全省财政法制工作情况，研究部署今后一个时期推进法制财政建设的工作任务，团结和动员全省广大财政法制干部高举依法理财旗帜，     

确定巨灾保险建立路径 构筑巨灾保险民生之梦

我国四川“4·20芦山大地震”发生后,巨灾保险再次成为大家热议的话题。世界上巨灾保险法规的诞生一般在一个巨灾事件之后的二至三年。自2008年“5·12汶川大地震”至今,我国经历了七次巨灾事件,遗憾的是巨灾保险仍然在争鸣呼吁之中,着实令我们深思。     

“5·12”：我们铭记

人民子弟兵 山塌了,你用粗壮有力的臂膀,将他移开;地撕裂了,你用滚烫的血汗和泪水,把它焊接、缝合。     

加强青年干部队伍建设的实践与思考

一、青年干部队伍总体情况（一）青年干部队伍特点。一是青年干部人数逐年减少。呼和浩特中心支行青年干部人数占全行职工总数的比例为27%,近五年来下降了11个百分点。二是学历层次不断提高。青年干部中本科以上人员占比为91%,近五年来提高近20个百分点。     

雪灾与股灾

当暖冬成为常态、全球正在积极应对全球气候变暖之时,寒冬却不期而至,在中国中南部自西向东出现了几十年未遇的持续时间较长的冰雪天气,有些省份甚至发生了雪灾.这种持续的恶劣天气引发了巨大的系统性风险.     

The Risk‐Sharing Implications of Disaster Insurance Funds

We study the risk‐sharing implications that arise from introducing a disaster insurance fund to the cat insurance market. Such a form of intervention can increase efficiency in the private market, and our design of disaster insurance suggests a prominent role of catastrophe reinsurance. The model predicts buyers will increase their demand in the private market, and the seller will lower prices to such an extent that their revenues decrease upon introduction of disaster insurance. We test two predictions in the context of the Terrorism Risk Insurance Act (TRIA). It is already known that the introduction of TRIA led to negative abnormal returns in the insurance industry. In addition, we show this negative effect is stronger for larger and for low‐risk‐averse firms—two results that are consistent with our model. The seller’s risk aversion plays an important role in quantifying such feedback effects, and we point toward possible distortions in which a firm may even be overhedged upon introduction of disaster insurance.     

雷曼兄弟蒙难记

美国当地时间9月14日晚8点，纽约中心区曼哈顿人流如织。在第七大道雷曼兄弟公司总部门口挤满了记者和好奇的行人．警察小心翼翼地用隔离栏围住大门，以防不测。一位路人踮着脚尖往大门方向张望，“发生什么事情了，雷曼公司真的要倒闭     

Disaster relief, inc

When disaster strikes, many corporations respond generously. After the 2004 tsunami, for instance, U.S. firms alone contributed more than half a billion dollars in cash and in-kind donations. But a host of reactive efforts don't produce the best results-and may even get in the way. To make the most of their humanitarian efforts, companies need to address two fundamental questions: What kind of aid do we want to contribute--philanthropic (money and in-kind donations) or integrative (backroom, operational assistance)? And how do we want to contribute it--by working one-on-one with a single agency or by joining a consortium? The permutations of those two decisions lead to four different approaches, each with its own strengths and challenges. Single-company philanthropic partnerships work well when there's a good match between what a company wants to contribute and what an agency needs, as with Coca-Cola's donations of water to the Red Cross. More diffuse, but also potentially more effective, are the benefits of joining a multicompany philanthropic partnership, which enables the resources of many firms to be matched to the missions of many agencies. More difficult to establish but more fundamental in its impact is a single-company integrative partnership, in which a corporation works to improve the way an aid agency operates, as the logistics giant TNT has done to help the distribution efforts of the World Food Programme. And most difficult to implement--but potentially most effective-is a multicompany integrative partnership, which brings to bear the collective best practices of many companies to improve the response capabilities of multiple agencies. It's easy to see why the image of a relief worker carrying a sack of grain delivers an emotional wallop, but the behind-the-scenes work of process enhancement is just as crucial to humanitarian efforts. The sooner executives realize this, the better positioned the world will be to respond to global disasters.     

Inter–Professional Working: The Wisdom of Integrated Working and The Disaster of Blurred Boundaries

This article explains the differences between 'integrated working' and 'blurring the boundaries'. Although often used interchangeably, these terms actually represent the best and worst possible outcomes involved when professional boundaries are crossed. The authors use a health–care example, but they tackle the issues raised as generic concerns for effective inter–professional working in all sectors. The article shows that, rather than blurring boundaries, the establishment of clear boundaries is essential for successful inter–professional working. Clearly defined boundaries establish an exploratory space in which team members can tap into and use team skills, thus harnessing the diversity of the team.     

台湾财政救灾中的“中央”与地方关系

台湾多发地震、火山等自然灾害。为应对灾害来袭,台湾建立了四层资金准备机制。以中央政府为例,用于应急和灾后重建的财政资金计有四类:不低于当年总预算支出的1%的灾害准备金、视当年财政情况在总预算中设立的第二预备金、预算调整和发行债务筹集     

澳洲财政救灾掠影

澳大利亚财政救灾的法律名为《自然灾害减缓和恢复安排》(NDRRA),其中规定了A、B、C、D四类联邦政府针对不同对象的救助项目,具体如下:     

再造一个"篮子"--银行数据集中后的灾备建设

银行数据集中后,常被人告诫:不要把所有的鸡蛋都放在一个篮子里。如何面对风险,做好大集中后的系统安全工作?如何有效的防范和化解风险?灾难备份可以为“鸡蛋”提供另一个“篮子”