试论基层银行业风险管控

文章论述了基层银行业的信用风险和操作风险，分析了风险成因，提出了风险管控措施。     

What Prompts the People＇s Bank of China to Change Its Monetary Policy Stance？ Evidence from a Discrete Choice Model

In the present paper, we model the policy stance of the People＇s Bank of China （PBC） as a latent variable, and the discrete changes in the reserve requirement ratio, policy interest rates, and the scale of open market operations are taken as signals of movement of this latent variable. We run a discrete choice regression that relates these observed indicators of policy stance to major trends of macroeconomic and financial developments, which are represented by common factors extracted from a large number of variables. The predicted value of the estimated model can then be interpreted as the implicit policy stance of the PBC. In a second step, we estimate how much of the variation in the PBC＇ s implicit stance can be explained by measures of its policy objectives on inflation, growth and financial stability. We find that deviations of CPI inflation from an implicit target and deviations of broad money growth from the announced targets, but not output gaps, figure significantly in the PBC＇s policy changes.     

信用担保--扩容民营企业融资瓶颈

现代市场经济体系中,民营企业是不可缺少的组成部分,知识经济时代,民营企业的风险投资更是高科技发展及成果产业化的重要途径。在中国经济起飞和体制转轨过程中,民营企业实力弱,信誉度低,融资风险大,普遍存在资金困难。现阶段大力培育和发展信用担保体系,可以为民营企业的发展提供一个良好的融资平台。     

新形势下欠发达地区银企关系刍议

银行与企业之间的关系，应体现为互惠互利、诚实信用、协作发展的经济合作伙伴关系和共担风险、共求发展的相互依存关系。然而在现阶段，银企关系问题已成为制约经济欠发达地区经济发展的一个关键问题，银行的大量不良资产、企业的过多负债、政府部门的行政干预、社会中介机构的匮乏都不同程度地影响地方经济的发展。许多企业效益不佳，挤占挪用银行贷     

谈构建WTO体系下的银行监管机制

20 0 1年 11月 11日凌晨 0时 30分 ,中国终于在走过了 15年的漫长历程后 ,跨入WTO的大门。面对中国成功加入WTO ,中国的银行业也正在积极寻求新的经济形势下努力发展的新方向。就当前比较突出的银行监管问题如何在WTO的框架体系下建立银行有效监管机制。