紫金TCR驱动软件功能简介

柜员现金循环机（Teller Cash Recycler,TCR）可用作柜员管理现金的辅助没备。TCR处理钞币的平均速度为每秒八张,是人工处理速度的两倍左右,使用TCR能提高柜员处理现金的速度;TCR在很大程度上隔离了柜员和现金的接触,可减少人为对现金处理不当导致的账务问题;TCR还提供了自动轧账功能,大大减少了人工轧账的工作量和轧账时间;TCR还可以替代柜员目前使用的钞箱和验钞机.     

浅谈网点现金管理

柜员用现金循环机（Teller Cash Recycle, TCR）是一款供柜员使用的,辅助柜员进行现金收款和付款业务、现金管理和监控的一种设备,TCR能根据指令对收入和支出的现金自动计数并验别真伪,具备保险箱和现金电子化管理的功能。TCR可以广泛运用于银行网点的低柜柜台（财富管理中心、个人理财中心）和高柜柜台（现金柜面）,提高整个网点的现金利用效率。     

新型的银行柜员设备TCR

TCR（Teller Cash Recycler，柜员现金循环机）是银行柜员用来处理现金业务的一种设备，它由现金存取循环模块和钞箱组成，具有存取、保管现金的功能。与银行柜面上普遍使用的存折打印机、刷卡器、密码键盘等设备一样，TCR是一种外设，不具备自动柜员机（ATM）那样的自动控制能力，而是需要通过额外的应用软件发送指令来控制其各种动作。     

TCR对ATM现金模块的若干改进

柜员现金循环机（TCR,Teller Cash Recycler）作为对ATM现金模块的扩展,在现金的统计和管理方式方面相对于ATM有许多显著的改进。它最突出的特点是,能精确地统计进出没备的钞币、存取款速度怏、有清分清点功能等。另外,因为TCR提供应用程序的详细展示、设备监控等一整套完善的解决方案,可以方便柜员和营业网点实时地对现金交易过程进行精确的监控,从而提高现金管理效率。具体表现在以下几方面。     

TCR设备在柜面业务中的应用

近年来,金融业竞争的日趋激烈对银行的自身形象和业务办理自动化等方面提出了更高要求。随着新柜面系统和金融设备的逐渐铺开,TCR（Teller Cash Recycle,柜员现金循环机）作为一款在欧美及日本等发达国家得到成熟应用的柜员辅助设备逐渐受到国内银行的关注。     

柜面金融外设的跨平台探索

银行柜面普遍使用的存折打印机、刷卡器、密码键盘等设备,以及近来新出现的柜员现金循环机（TCR,Teller Cash Recycler）都需要通过额外的应用控制软件发送指令来控制其各种动作。本文就如何使应用控制软件兼容不同品牌的复杂外设进行简单探索。     

日立携ATM新机型参加2008金融展

2008中国国际金融展期间,日立公司以“中国金融业长期的合作伙伴”为主题参展。本次展会上,日立推出了柜台出纳机,它可以为银行柜员提供高速现金自动存取、现金自动管理、外币自动兑换以及现金自动整理等处理支持。     

喜欢“揽麻烦”的青年女员工

工行辽宁省葫芦岛分行龙程路储蓄所现金柜员刘宏伟，在做现金整点柜员期间，不十白麻烦，热情服务。她说：“麻烦越多，朋友就越多；朋友越多，发展业务的机会才越多。”     

让青春在平凡的岗位上闪光——记工行河北省分行营业部中华平安支行现金柜员付兴超

付兴超是工行河北省分行营业部中华平安支行一名现金柜员,2000年7月进入工商银行,在基层营业网点现金柜员工作了12个年头。她多年如一日,工作认真、细致、扎实、肯干,每天面对不同客户人群,始终坚持以客户为中心,努力为客户提供更周到、更细致、更优质的服务,把满意、把认可、把信任留给了每一位客户,在基层营业网点这一最平凡的现金柜员工作岗位上默默地耕耘着、奉献着,用青春年华谱写着一曲无比热爱工商银行的赞歌。     

重视节假日箱包现金的管理

库款集中管理后,因节假日、休息日上级行计划部门调拨审批员、中心金库记账员休息,导致网点现金不能及时上解中心库保管,进而造成网点柜员箱包现金余额严重超库存,存在极大的风险隐患,此现象应引起高度重视。加强对节假日、休息日网点柜员箱包现金的管理,不因重视库存现金的管理而弱化和边缘化。应采取以下措施,以便网点现金得到及时上解和压降,并控制     

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.     

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.     

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.     

金融企业员工考核系统的设计

一、概述 为配合公司人事考核制度的贯彻执行,保证该制度执行过程中各项工作能够长期、高效、准确地完成,我们开发了公司员工考核系统,实现了人事考核工作中员工投票、考核统计、考核信息分析、报表生成等功能,减少了人事部门人员的手工操作,提高了考核工作的自动化程度.