我国外资银行发展问题与对策思考

外资银行作为我国金融体系的重要组成部分,一直伴随着金融业的改革开放不断向前推进,发挥着其他银行不可替代的积极作用。自1979年日本输出入银行获准在北京设立首家代表处、1981年香港南洋商业银行在深圳设立第一家外资银行营业性机构以来,发展迅猛,地位日益显现。特别是入世后几年间,伴随人民币业务的开放,外资银行加快了进入中国市场拓展业务步伐,再次“抢滩”中国市场。如南京爱立信“倒戈”事件、汇丰、花旗、美国银行入股10多家中资银行以及外资银行针对中国内地中高端客户率先推出的网上银行、个性化     

对外资银行的法人导向符合我国加入世贸组织的承诺

对外资银行的法人导向及其异议 根据加入世贸组织承诺，我国在2006年12月11日前取消对外资银行经营人民币业务的地域限制和客户限制，向外资银行开放人民币业务，并实行崮民待遇。为此，国务院于2006年11月11日发布了新修订的《中华人民共和同外资银行管理条例》（以下简称《条例》），并已于12月11日起施行。《条例》的一个突出特征是对外资银行实行法人导向，     

入世后我国对外资银行的国民待遇问题研究

国民待遇原则不仅是国际法中公认的准则，更成为世贸组织成员国处理对外经贸关系的重要政策工具。本文首先对发达国家和一些发展中国家（地区）国民待遇作了实证考察；然后分析了我国目前对外资银行实行国民待遇的情况，指出目前我国对外资银行并没有完全实行国际待遇，而是“超国民待遇”和“低国同待遇”并存，这种现象并非中国特色，在WTO其他成员国也普遍存在；文章最后提出，目前我国只要按入世时承诺的开放时间表就可以逐步取消“低国民待遇”，但取消“超国民待遇”要求我们在对外资银行充分了解的基础上，正确把握当前形势，循 序渐进地进行，作者对此提出了相应的政策建议。     

中国银行业监管的新形势

在推动银行有效监管的同时，中国坚持实施渐进有序的开放战略，认真履行入世承诺，颁布了重新修订的《外资银行管理条例》，实施了多层次、宽领域的开放措施，引导外资银行在中西部和东北地区发展，推动中外资银行业务合作与股权合作。[编者按]     

外资银行的进入对我国银行业的影响及对策

外资银行的进入，给中国金融业带来了严峻的挑战，尤其是中国已经加入WTO，按照我国政府承诺，一年以后允许外资银行经营所有中国客户的外汇业务；两年后允许经营人民币业务：五年后，允许外资银行向中国居民提供个人服务，同时允许开办合资银行。随着这些开放承诺的逐步落实，将对我国银行业产生巨大影响。     

中国金融业全面开放的重要举措

2006年12月11日起,我国对外资银行开放境内公民的人民币业务,取消开展业务的地城限制以及其他非审慎性限制,给予外资银行“国民待遇”。这是我国加入世贸组织的承诺,也是我国金融业全面开放的重要举措。从这一天起,新版的《中华人民共和国外资银行管理条例》及其细则将开始施行,根据规定,外国银行分行转制为在中国注册的法人银行要向中国银监会提出申请,可同时提出经营全面人民币业务的申请。《细则》施行后1个月内,外国银行分行在完成相关工商登记变更手续后,即可办理吸收中国境内公民每笔不少于100万元人民币的存款业务。中国的金融市场由此真正进入中外资银行同台竞技的时代。     

中外资银行的优劣势比较

<正>自2006年12月11日起,我国金融业加入世贸组织五年过渡期宣告结束,开始跨入一个全面开放的新时代,对外资银行实行国民待遇、经营人民币业务的地域和客户限制被取消,从此中、外资银行站在同一起跑线上展开全面竞争。此前,我国已先后向外资银行开放了全面外汇业务及25个城市的人民币业务,外商独资和中外合资法人银行机构已达14家,外资银行在我国设立的分支行252家,设立代表处242家,业务品种超过100种。面对全面开放的新时代,如何冷静客观地看待中、外资银行之间的优劣势,发挥自身所长以应对更大范围的挑战,是每一个中资银行都必须认真思考的问题。     

MFC将进入中国--访MFC银行中国和亚洲事务负责人周耀辉

记者:周耀辉爵士,你好!上次我曾就澳大利亚的澳亚铁路建设事宜采访过你.很高兴再次就MFC银行事务采访你.首先请你介绍一下MFC银行的基本情况.     

加入WTO后我国银行业的应对策略

中美达成中国加入世贸组织的双赢协议后,中国政府已经承诺将逐步放开包括金融业在内的十大领域30多个项目,目前我国已取消了外资银行在华设立营业性机构的地域限制,我国在入世后,有可能在5年内取消外资银行开展人民币业务的地域限制和客户服务限制、并可经营银     

Design thinking

In the past, design has most often occurred fairly far downstream in the development process and has focused on making new products aesthetically attractive or enhancing brand perception through smart, evocative advertising. Today, as innovation's terrain expands to encompass human-centered processes and services as well as products, companies are asking designers to create ideas rather than to simply dress them up. Brown, the CEO and president of the innovation and design firm IDEO, is a leading proponent of design thinking--a method of meeting people's needs and desires in a technologically feasible and strategically viable way. In this article he offers several intriguing examples of the discipline at work. One involves a collaboration between frontline employees from health care provider Kaiser Permanente and Brown's firm to reengineer nursing-staff shift changes at four Kaiser hospitals. Close observation of actual shift changes, combined with brainstorming and rapid prototyping, produced new procedures and software that radically streamlined information exchange between shifts. The result was more time for nursing, better-informed patient care, and a happier nursing staff. Another involves the Japanese bicycle components manufacturer Shimano, which worked with IDEO to learn why 90% of American adults don't ride bikes. The interdisciplinary project team discovered that intimidating retail experiences, the complexity and cost of sophisticated bikes, and the danger of cycling on heavily trafficked roads had overshadowed people's happy memories of childhood biking. So the team created a brand concept--"Coasting"--to describe a whole new category of biking and developed new in-store retailing strategies, a public relations campaign to identify safe places to cycle, and a reference design to inspire designers at the companies that went on to manufacture Coasting bikes.     

Breakthrough thinking from inside the box

Companies often begin their search for great ideas either by encouraging wild, outside-the-box thinking or by conducting quantitative analysis of existing market and financial data and customer opinions. Those approaches can produce middling ideas at best, say Coyne, founder of an executive-counseling firm in Atlanta, and Clifford and Dye, strategy experts at McKinsey. The problem with the first method is that few people are very good at unstructured, abstract brainstorming. The problems with the second are that databases are usually compiled to describe current--not future--offerings, and customers rarely can tell you whether they need or want a product if they've never seen it. The secret to getting your organization to regularly generate lots of good ideas, and occasionally some great ones, is deceptively simple: First, create new boxes for people to think within so that they don't get lost in the cosmos and they have a basis for offering ideas and knowing whether they're making progress in the brainstorming session. Second, redesign ideation processes to remove obstacles that interfere with the flow of ideas--such as most people's aversion to speaking in groups larger than ten. This article offers a tested approach that poses concrete questions. For example, what do Rollerblades, H?agen-Dazs ice cream, and Spider-Man movies have in common? The answer: Each is something that adults loved as children and that was reproduced in an expensive form for grown-ups. Asking brainstorming participants to ponder how their childhood passions could be recast as adult offerings might generate some fabulous ideas for new products or services.     

从立法看美国对外资银行的规制

美国既有综合性立法对外资银行实行常规监管,又有专门法律对外资开展的银行业务予以规制.美国已有立法对外资银行的规制遵循了法制原则、透明度原则和竞争原则,旨在促进金融市场的稳定.     

Future generations thinking

Future generations thinking provides a non-Western reading of space, time, nature and self, contrasting itself with the liberal openness of much of futures studies by asserting a non-negotiatable core. This includes a commitment to the family as a basic unit of analysis; inclusion of all sentient beings; belief in the repeatability of time; an inter-generational approach balancing ancestors and future generations; sustainable social and economic practices; a global focus; a spiritual and collective view towards choice and rationality; and the realization of a global ethics beyond postmodernity. In practice, however, future generations thinking often falls short of its claims. Nevertheless, if future generations thinking can become authentically multi-civilizational, it could create a new history for future generations.     

Long-term thinking and the politics of reconceptualization

This essay is a response to the dominance of short-term thinking in Western culture. It begins with a critique of the minimal, or fleeting, present and then explores some possibilities for extending what might be meant by the ‘present’. It suggests that considerable utility may be derived from a more careful and considered use of particular timeframes. It is doubtful whether questions of sustainability, the rights of future generations and, indeed, the disciplined study of futures can be resolved without a number of innovations based on long-term thinking. The latter part of the essay considers two—the creation of institutions of foresight and an international programme of 21st century studies.     

关于解决银行网点排队问题的探讨

近几年来，随着经济金融的发展和人民群众金融服务意识的增强，以及银行服务产品和代理业务的增加，来银行办理业务的客户越来越多，营业网点客户排队问题很突出。银行方面虽然采取种种措施，使之得到了一定程度的缓解。但还有为数不少的网点排队现象依然严重或出现反复，时常引起客户不满，对银行声誉带来不利影响。因此，必须清醒认识和高度重视银行网点排队问题，进一步有针对性地采取对策加以有效解决。     

Criteria of systems thinking

In science, the framework of systems theory—especially as developed over the past two decades—seems to be the ideal framework to express the emerging ecological paradigm. This article addresses the question: what is systems thinking—and more generally, holistic or ecological thinking—in modern science? The author identifies three key aspects of systems thinking that are characteristic in all the sciences. In presenting these aspects, the transition from the old to the new paradigm for each aspect is emphasized.     

关于基层行服务中的问题、成因及对策思考

今年以来，银行网点排队引发的金融服务问题备受社会公众和新闻媒体关注，国家银监会、人民银行、银行业协会以及工总行等因此相继出台了一系列政策措施，要求切实加强和改进金融服务，加快提升服务质量和服务能力。服务问题是工商银行股改上市后亟需突破的“瓶颈”障碍，也是我们争揽优质市场、提升核心竞争力、树立良好公司形象的关键环节，必须迅速加以改善和解决。     

从境外直接投资人民币结算试点看人民币国际化进程

2008年以来,一系列货币互换协议的签订和跨境贸易人民币结算试点等标志性事件的发生,使人民币国际化问题再次引起学者们的广泛关注。本文从人民币国际化的现状出发,结合近期开展的境外直接投资人民币结算试点,探讨境外直接投资人民币结算对推动人民币国际化进程的意义,并从境外直接投资的角度对推进人民币国际化进程提出了相应建议。     

地震引发对金融数据安全的深思

“5·12”四川汶川大地震让人悲痛的同时，也引发了IT从业者对数据安全的深思：如何在不可预见、无法抗拒的外力面前尽可能地保证数据的可靠和安全。