我国商业银行业务创新中存在的问题及对策研究

业务创新是提高商业银行竞争能力,促进其可持续发展的重要途径。本文从分析商业银行业务创新研究背景出发,重点对我国商业银行业务创新的现状以及存在的问题进行了深入分析,并结合我国商业银行业务创新的实际情况,借鉴国内外商业银行业务创新的方法与经验,提出了改建与完善我国商业银行业务创新现状的具体对策,对促进商业银行提高业务创新能力,实现可持续发展具有重要的现实意义。     

透析商业银行的金融创新与核心竞争力

商业银行的成长史就是一部不断创新的历史，金融创新是促进商业银行成长的重要的原动力和持续推动力，正是通过不断的金融创新，商业银行才实现了一次又一次的飞跃。本文从核心竞争力的理论界定出发．论证了商业银行的核心竞争力集中体现为金融创新能力，一家银行只有不断增强金融创新能力．才可能在激烈的市场竞争中持续获得差异化的竞争优势。在此基础上，文章阐述了金融创新与商业银行成长的关系．从加快制度创新、健全创新机制、完善创新手段、培育创新文化等几个方面对我国商业银行提升金融创新能力提了策略性建议。本刊分两期刊载全文．以飨读者。     

我国商业银行金融产品创新现状及对策研究

随着利率市场化及金融市场改革进程不断推进,我国商业银行面临着越来越多的压力和挑战,只有不断提高金融产品创新能力,才能在市场中取得竞争优势。本文通过分析我国商业银行金融产品创新的现状,指出我国商业银行金融产品创新所存在的问题和制约因素,并通过与国外商业银行金融产品创新情况进行对比分析,找出国内外银行创新能力的差异及其原因。最后根据我国商业银行实际情况,从立法部门、监管部门与金融机构提出了我国商业银行金融产品创新的几点对策。     

透析商业银行的金融创新与核心竞争力(续)

三、提升我国商业银行金融创新能力的紧迫性分析 在经济金融体制转轨的宏观背景下，我国商业银行的金融创新经历了一个从无到有，从简单到综合化的过程，从产品创新、服务创新到管理创新、技术创新、体制创新和文化创新的不断跃升的过程。伴随这个进程的不断深入，我国商业银行的经营能力、竞争能力迅速提升，进而为商业银行的持续成长提供了强大的动力。     

基于市场需求的商业银行创新机制研究

在业务转型与金融创新成为商业银行竞争力关键支撑的大趋势下,如何提升银行创新能力,丰富金融产品与服务,成为我国银行业当前需要解决的重点和难点。本文从市场需求的角度对创新机制进行研究,以期推动我国商业银行金融创新的开展,不断增强银行的核心竞争力。     

商业银行知识产权专利与创新策略研究

随着信息网络技术的快速发展，技术创新成为当代金融创新的主要动力，提高商业银行创新能力，并把创新成果转化为专利保护，是金融企业真正的不断增长的利润。针对目前国内商业银行在创新和知识产权专利保护方面存在的重视程度不够，专利保护体系和激励机制有待完善，信息反馈渠道不畅，专利保护意识薄弱以及投入不足等问题，本文提出了相关对策：建立相应的知识产权专利组织、制度和操作流程；建立创新体系，实行全面创新管理；做好培训宣传，提高员工创新能力和专利知识水平；建立专用基金，对创新和专利者实施激励；重视创新及专利的质量。     

对我国商业银行业务创新的新思考

从上世纪70年代末开始于美国的金融创新活动至今方兴未艾,金融创新活动对于推动全球金融市场的繁荣与发展起到了巨大的推动作用.我国自改革开放以来,尤其是在加入世界贸易组织以后,伴随着我国商业银行业务的金融创新活动更是层出不穷,金融创新活动进一步丰富了商业银行经营手段与经营品种,在为社会提供多种金融服务手段与避险工具的同时,它同时也伴随着金融风险的进一步加大.美国最近爆发的金融危机也是与银行业金融创新活动有很大关系,如何在商业银行业务金融创新中寻求风险与收益的平衡,很是值得人们思考的一个重要问题,本文试图从我国商业银行业务创新的现状,规范各种商业银行的业务创新活动,以此达到商业银行稳健经营的目的.     

我国商业银行金融产品创新策略探讨

在西方国家,产品创新是商业银行增强核心竞争力的重要手段.目前我国金融体系改革进一步深化,市场开放度逐渐提高,同业竞争将日趋激烈,而我国银行业的产品创新能力依然较弱.本文从产品创新的现状出发,指出我国商业银行金融产品创新存在着产品整合程度不高、缺乏创新自主性、产品独创性比较低、同质化现象严重等问题,分析了我国商业银行金融...     

欠发达地区金融业务创新透视

近十几年来,商业银行不断推动金融工具、金融方式、金融技术、金融产品等方面的创新,通过金融业务创新,不断提高银行业的经营活力,促进商业银行竞争,推进商业银行整体改革,推动国有商业银行改变其长期形成的经营方式,进一步加快了商业化步伐。但由于长期以来欠发达地区商业银行从业人员素质参差不齐,技术老化,知识结构失衡,高水平人才匮乏,与现代金融业发展的要求有相当的差距,制约了这些地区商业银行的管理创新、业务创新和技术创新的能力。     

我国商业银行金融产品创新存在的问题及其对策

金融产品创新对我国商业银行不断提升自身核心竞争力具有重要的作用。当前,我国金融业日益开放,外资银行开始大量渗透,金融业竞争不断加剧,这对我国商业银行构成了严峻的挑战。面对日益严峻的经营形势,不断排除制约金融产品创新的障碍,不断提升金融产品创新能力,这对增强我国商业银行在国内与国际市场中的竞争力有着重大意义。本文首先指出当前我国商业银行金融产品创新存在的问题,接着分析导致我国商业银行金融产品创新存在问题的原因,最后对提升我国商业银行金融产品创新能力提出一定的建议与对策。     

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.     

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…     

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.     

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.     

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.     

浅议金融机构的举证责任

金融纠纷案件是当事人以存单或进账单、对账单、存款合同、保险单、票据、证券等凭证为主要证据向人民法院提出诉讼的案件,对于不同种类金融纠纷的当事人的举证责任,我国现行的金融法律、法规及司法解释有不同的规定。由于金融机构的特殊法律地位,发生金融纠纷时存在有关当事人将最后偿付风险转移给金融机构承担的主观故意,在客观上会使金融机构难以提供相应的证据来对抗不法债权人的诉讼请求,而导致金融机构败诉。为此,对金融诉讼案件中金融机构的举证责任加以研究具有重要的实践意义。     

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.     

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.