CFCA发布2008中国网上银行调查报告

近日，“和谐网银 安全共赢”——2008中国例上银行年会新闻发布会在北京举行。年会上，中国金融认证中心（简称CFCA）正式对外发布了最新的《2008中国网上银行调查报告》，以第三方的视角对2008年中国网银发展现状进行了深度解析和全面回顾，并给出了一系列具有指导性的建议。来自工业和信息化部、中国人民银行、银监会等主管部门的领导以及国内十八家商业银行的相关代表出席了本次年会。     

CFCA发布“网银病毒专杀工具”

2007年12月13日,“2007中国网上银行年会”在北京民族饭店举行。本次年会,中国金融认证中心（CFCA）发布了《2007中国网上银行调查报告》,同时,还首次发布了“网银病毒专杀工具”,以进一步解决网银安全问题。     

CFCA发布2008中国网上银行调查报告

2008年11月28日，中国金融认证中心（CFCA）在京举行“和谐网银安全共赢——2008中国网上银行年会”新闻发布会，并正式发布了《2008中国网上银行调查报告》。来自工信部、央行、银监会的领导及国内18家商业银行的代表出席了本次年会。     

浅谈网银安全

中国金融认证中心（CFCA）某高层在上海出席2009年网银“安全之旅”活动时表示，我国网上银行业务发展迅速，以笔数计算的交易数量每年以成倍的速度增长。“2007年全年我国网银的交易金额为225万亿，这一数据在2008年高达317万亿，2009年全年的网银交易金额将高达450万亿。”     

工行网银：足不出户的金融服务

2010年第一季度末,工商银行个人网上银行（以下简称“网银”）业务注册客户数接近8000万户。易观国际发布的《2010年第1季度中国网上银行市场季度监测》显示,工商银行网银占38％的市场份额,位居行业第一。     

“2008放心安全用网银联合宣传年”在京启动

4月2日,由放心安全用网银联合宣传年活动组委会主办,国内多家商业银行共同参与的共筑网上银行绿色通道——2008放心安全用网银联合宣传年在北京启动。发布会上,中国金融认证中心(CFCA)阐释了共筑网上银行绿色通道的主题思想。中国工商银行、中国农业银行、中国建设银行、交通银行、中信银行、招商银行等近     

各家商行网银收费大揭底

商业银行的网上银行业务鏖战正酣,建设银行、工商银行、中国银行纷纷上调个人网银交易限额,又有网银盾确保网上交易安全,吸引了更多的人选择网银业务。但是,各家银行的网银转账业务收费存在着很大差异,消费者尤为关心哪些银行的网银收费低而且安全便捷。     

对农行网银安全的几点建议

随着网上银行业务功能的不断增加和完善，网银业务的发展空间也越来越大。同时，随着网银注册客户和网银交易量的不断增加，更显农行网银强劲的发展势头。为了保持和继续这种良好的发展态势。网上银行的安全应该是其发展必须首先要确保的必要的最重要的要素之一。笔是从事农行网银业务县级支行的安装、维护工作的，结合自身实践就农业银行网银安全问题提几点建议：     

“2008放心安全用网银联合宣传年”活动在京启动

4月2日,由“放心安全用网银联合宣传年”活动组委会主办,国内多家商业银行共同参与的“共筑网上银行绿色通道——2008放心安全用网银联合宣传年”启动发布会在京召开。     

如何防范网银业务风险

一、提高员工防范法律风险、操作风险、道德风险意识，加强对员工网银业务知识的培训，严格按照《中国农业银行电子银行业务操作规程》办理网上银行业务。二、加强网上银行业务的自律监管工作，进一步规范员工的操作和管理行为，防范员工的操作性、道德性风险。三、对客户提交的个人身份证件、企业营业执照、事业单位法人证书等资料认真审核。确保网银业务所需资料真实有效；办理企业客户注册时，应按规定利用证书两码分别将企业管理员、操作员证书下载到USB Kevk中。同时打印证书密码信封，严格领用签收手续，网银注册登记表、网银协议等资料内容应完整、真实，签章要齐全。四、规范证书保管与发放、资料传递等操作。避免相关纠纷。五、加强网上银行机具的安全管理。六、建议增加网银操作系统自动提醒、控制网银操作员定期修改密码功能。     

QFRC drives financial research

Tony Hall describes the co-ordinated research programmes of the Quantitative Finance Research Centre at the University of Technology, Sydney.     

Examining “The quantified customer”

Accounting has not escaped The Customer's influence in contemporary organizations. Calls have been made for a quantitative knowledge that installs a new calculable space in the name of The Customer. In an organizational setting, a UK sudsidiary of Unilever, the paper traces first the introduction of this quantitative knowledge. The paper examines the order of “The Quantified Customer”, its effects on organizational action, and its disciplinary implications. But this enquiry also uncovers a rival knowledge of The Customer. The resistant local knowledge is mobilized against the new calculable space—changing the trajectory of events.     

Calculating the Economic Value of Customers to an Organisation

Three case studies from Australasian service organisations explore the economic value of customers to an organisation (EVCO). Customer lifetime valuation, a form of discounted cashflow analysis, was used in two of these organisations. Customer profitability analysis, a form of activity-based costing, was used in the third. Insights arising from the measurement of EVCO changed the management of customer relationships — new pricing strategies were introduced and loyalty and product cross-holdings were rewarded, for example. It is interesting that there was little or no involvement by the accounting function in the calculation of EVCO.     

The first WFSF Asia—Pacific course: the futures of development

Is development theory dead? It seems to be, if the thinking of some young people at a futures course in Bangkok is any indication. The course, ‘The futures of development: historical roots, present trends and alternative futures’, was held in Bangkok 23–30 August 1992 by the World Futures Studies Federation (WFSF), with sponsorship from UNESCO and the Communication Centre of the Queensland University of Technology, Australia.     

基于持卡消费行为的客户细分模型研究

客户细分模型是指选择一定的细分变量,按照一定的划分标准对客户进行分类的方法.客户细分的目的是为了更好地了解客户并提供个性化服务.本文使用的样本数据为银行卡消费数据,选择消费金额和消费金额差异率为细分维度,建立了银行卡持卡消费客户细分模型.     

TOWARDS A FRAMEWORK TO STUDY INFLUENCE AND ACCOUNTING USE

The autonomous regions of Spain have responsibility for healthcare. The Galician Health Service aims to achieve a higher level of health for Galicians with an appropriate primary healthcare system. The law requires healthcare to be promoted within a system of participative management directed by an upper level of management. The healthcare system is changing, and the upper level managers are introducing new systems to improve the provision and administration of care. These changes will include the provision of accounting data in the normal course of managing.This paper is before a study of the changes. The paper provides the background to constructing a Framework and then constructs a Framework for our empirical work. It uses the constructs of information and influence with markers of the information areas and styles of influence in the form of an Information–Influence Matrix (Purdy, 1993b). It also uses personal construction (Kelly, 1955) to help create a dynamic approach to change and the use of accounting information. It finally provides a framework of our anticipations of what might happen to a Health Centre Manager and an Upper Manager.     

基于交易行为预测的客户保持最优投入模型研究

相关研究表明.客户保持对企业的利润线有着惊人的影响,有效的客户保持可以导致企业利润可观的改善,客户保持已经成为客户关系管理的重要部分.而客户保持投入的最优化是客户保持工作的关键.在客户交易行为预测的基础上.构建客户保持投入的最优化模型.通过本模型,企业可以计算出在未来交易时间段内对某一类客户细分群体的曩优客户保持投入,并与企业的历史客户保持投入进行比较,从而有效的改善企业的客户保持策略.     

Asymmetric Information,Bank Lending,and Implicit Contracts: A Stylized Model of Customer Relationships

Customer relationships arise between banks and firms because, in the process of lending, a bank learns more than others about its own customers. This information asymmetry allows lenders to capture some of the rents generated by their older customers; competition thus drives banks to lend to new firms at interest rates which initially generate expected losses. As a result, the allocation of capital is shifted toward lower quality and inexperienced firms. This inefficiency is eliminated if complete contingent contracts are written or, when this is costly, if banks can make nonbinding commitments that, in equilibrium, are backed by reputation.     

商业银行客户服务与金融创新

商业银行的客户服务目前已经成为社会关注的焦点.改善并不断提高服务质量是商业银行的基本职责和保持长期盈利的需要.客户服务是产品功能通过业务流程来实现的,功能的适用性和流程的便捷性是客户服务质量的两个最基本特征.本文在分析了商业银行在客户服务方面所存在的问题及其原因的基础上,指出在观念、产品、流程和组织等方面进行金融创新,从而提高服务供给能力是改善商业银行客户服务的根本出路.服务改善是一项具备基础性、全局性、长期性和艰巨性的任务,商业银行经营活动中没有任何其他事务比客户服务的改善更为困难、所需时间更为长久,从而也更需要资源的投入.     

创新是银行卡业务发展的主旋律

创新是十二五期间的关键词,同时也为银行卡业务的进一步发展绘制了新的蓝图、指明了新的方向.银行卡产业属于知识经济的范畴,以科技作依撑,非创新不能驾驭.自1985年中国银行发行第一张银行卡以来,中国银行卡产业已经走过了20多年的发展历程.