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上海现代金融市场的发展经历了计划经济转形期的场外市场、市场需求推动下的有形的地方市场、制度供给下的全国性市场、市场体系形成后确立的国内金融中心四个阶段.上海金融市场得以发展的最主要原因是制度供给的变化.上海金融市场中仍存在间接融资比重过大、资本融资过分依赖股票市场等问题.要在未来五年中上海金融市场有更大的发展,就要在金融市场证券化、金融产品高级化、金融市场一体化和国际化上很下功夫,还要进一步强化人民银行上海分行的职能. 相似文献
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金融创新自二十世纪60年代发端以来,在金融业务和金融工具、金融技术培训和金融服务、金融市场和金融机构等方面取得了长足进展.改革开放以来,我国金融创新也已全方位展开,但与发达国家相比仍有很大差距.主要表现在产品创新不全面,市场创新不平衡,技术创新不到位,目标市场不明确.为此,需要构建金融创新机制,推动产品创新、市场创新和技术创新.通过科学的发展策略,使我国的金融创新全面推进. 相似文献
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金融创新自二十世纪60年代发端以来,在金融业务和金融工具、金融技术培训和金融服务、金融市场和金融机构等方面取得了长足进展。改革开放以来,我国金融创新也已全方位展开,但与发达国家相比仍有很大差距。主要表现在产品创新不全面,市场创新不平衡,技术创新不到位,目标市场不明确。为此,需要构建金融创新机制,推动产品创新、市场创新和技术创新,通过科学的发展策略,使我国的金融创新全面推进。 相似文献
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中国人民银行南宁中心支行课题组 《广西金融研究》2007,(3):8-10,32
外汇金融衍生产品市场是发达金融市场最为活跃的重要市场之一.我国涉外经济的快速发展对外汇金融产品市场的发展与创新提出了急为迫切的要求.本文在对广西外汇金融衍生产品市场发展现状进行全面深入调查的基础上,运用实例分析的方法,系统地分析了广西外汇金融衍生产品市场与广西涉外经济、金融间的关系,探讨了目前制约外汇金融衍生产品市场发展的主要因素,提出了加强市场基础建设、创新外汇金融衍生产品等对策建议. 相似文献
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2011年1月中旬,央行副行长刘士余在“全国金融市场工作座谈会”上表示,2011年要把发展金融市场与全面提升信贷政策导向有机结合起来,而金融市场和信贷政策各项工作要把创新摆在首要位置。不可置否,金融产品创新成为了推动金融市场与信贷管理之间更好地联动,拓宽金融市场广度、深度和边界的重要路径。 相似文献
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龙霞 《金融经济(湖南)》2004,(7):27-28
一、金融一体化的发展 西方发达国家的金融界在上世纪六十年代后期至七十年代开始了各项创新活动,就是所谓的"金融创新",其内容主要包括金融工具、金融方式、金融技术、金融机构和金融市场等方面的变革.到了八十年代金融创新成为全球性的大趋势.随着金融创新的深入,金融保险一体化经营也发展了起来. 相似文献
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中国保险业的发展与资本市场 总被引:1,自引:0,他引:1
世界金融一体化趋势和我国金融体制改革、金融产品创新的不断深入,必将进一步促进保险业与银行业、证券业的紧密合作。当前,探索保险市场与资本市场互动发展的新思路,对于推进金融市场的良性发展,更好地支持国民经济发展和社会进步具有重要意义。我国保险市场的发展实践表明,保 相似文献
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I.F. Clarke 《Futures》1985,17(2):170-184
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. 相似文献
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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. 相似文献
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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… 相似文献
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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. 相似文献
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Marjorie Rosenberg F.S.A. Ph.D. Warren Luckner F.S.A. 《North American actuarial journal : NAAJ》2013,17(4):64-82
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. 相似文献
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宋玲妹 《河南财政税务高等专科学校学报》2005,19(3):37-39
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. 相似文献
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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… 相似文献
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银行管理信息平台建设发展的思考 总被引:4,自引:0,他引:4
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. 相似文献
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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. 相似文献
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国家新出台的助学贷款政策,还不过是既有的框架下的局部调整,存在诸多不完善的地方。为此,对国家助学贷款应构建高校与就业单位的“双担保”机制。从长期来看,要构建一个系统有效的“政府部门管理和商业银行运作相结合”、“多层次、多渠道、多方式”、“担保和非担保、贴息和非贴息、市场和非市场运作互相补充”的中国教育金融框架。 相似文献