刍议网上银行

网上银行业务正在转变为一项能够带来实际利益的业务运作,网上银行的出现使得传统银行在资金媒介、支付功能等方面受到了巨大的冲击.在分析网上银行与传统银行的业务关系的基础上,研究了网上银行的特点和比较优势,以期为网上银行业务的拓展与升级提供借鉴和决策支持.     

对外直接投资促进了出口国内附加值率提升吗

针对企业对外直接投资是否提升了企业出口国内附加值率的问题,利用倾向得分匹配法为2004～2007年386家对外直接投资企业找到与其可比较的对照组,运用倍差法检验了对外直接投资对企业出口国内附加值率的影响效应.研究发现:企业对外直接投资显著提升了企业的出口国内附加值率,且这种促进作用随着时间的推移逐渐增强;投资动机、投资...     

我国加入WTO后结算业务所面临的挑战和对策

随着中国加入WTO后,我国的市场将进一步扩大开放,这给我国的结算业务提供了广阔的空间,但同时也带来了许多新的挑战。本主要对国内结算和国际结算进行了分析和比较,找出两的不同点,并分析了国内结算和国际结算的差距。提出了中国加入WTO之后,我国结算业务面临的挑战和发展对策。     

存款保险制度在我国的实行和相关配套政策

存款保险制度的建立和实行对我国银行业的发展具有极其重要的作用.主要结论有:一、现行银行制度在其承担流动性保险功能时有其固有的脆弱性,存款保险制度则可以为类型存款人取款提供一种有效的制度保障;二、我国隐性\"超级\"存款保险制度的现状加剧了道德风险,亟待出台显性存款保险制度;三、风险预警机制替代市场监控能较好地解决存款保险制度无法解决的信息不对称问题,为存款保险降低道德风险创造条件.     

强制执行与金融制度创新初探

在司法实践中人民法院与金融部门有时存在工作冲突。采用在国内贸易中实行信用证制度、建立个人信用制度、设立企业银行帐户区域电脑联网查询系统、大力发展现金代用品等措施,可避免或减少工作冲突,改善执行局面。     

The Strategic Implications of Asset and Liability Allocation in the Turkish Banking Industry

This study aims to analyze whether banks' deviation from the mainstream in terms of asset and liability allocation enables them to perform better than their competition. Overall, deviation in the liability structure seems to have a significant impact on performance. In a second regression, the results obtained from the analysis of liability allocation are further examined by focusing on the effects of the deposit base on bank performance. Our analysis brings out the significance of liability allocation and of the effect of deposit strategies as a primary source of funding. The major difference of this study from the existing literature is that we focus primarily on both asset and liability allocation strategies of banks, and we further analyze the components of the liability structure to evaluate the impact of liability deviation on the banking strategy.     

Consolidation and Competition in the Banking Industries of the EU Member and Candidate Countries

This paper investigates competitive conditions in the banking markets of all EU member and candidate countries over the period 1995-2007. The Panzar and Rosse (1987) model is implemented on bank-level data. In particular, the unscaled revenue equation is employed to assess market structure. Country-specific empirical results suggest a wide variation in the competitive conditions of the banking systems in the sampled countries. Nineteen banking systems are characterized as monopolistically competitive, nine as monopolies or perfectly colluding oligopolies, and two as perfectly competitive over the sample period. This study also investigates whether competition conditions changed over the sample period, using 2001 as an endogenously determined break year. The empirical evidence reveals that banking systems became less competitive after that time.     

IMF Bank-Restructuring Efficiency Outcomes: Evidence from East Asia

We report new findings on bank efficiency in East Asian countries for the pre- and post-IMF restructuring periods. We find that bank efficiency has improved, but only to the pre-IMF intervention level, and that restructured banks are not more efficient than their unrestructured counterparts. Different restructuring measures have different effects. Bank closures are economically justified, but mergers show short-term efficiency losses. Recapitalization and reprivatization of badly performing banks lead to efficiency improvement, but also increase government ownership. Ease of entry that has allowed for more foreign bank participation results in slightly improved performance of badly performing banks.

论本币升值对国内物价的影响路径

本币升值可通过实体经济、虚拟经济以及货币政策三个途径影响一国的国内价格;本币升值通过国内物价影响经济稳定存在一个正反馈机制;从短期来看,人民币升值不仅不能抑制国内物价上涨,还可能推动国内物价的上涨。     

构建符合我国国情的持续性监管工作框架

我国银行业监督管理委员会核心原则评估小组指出:持续性监管是有效银行监管的重要手段。如何充分借鉴先进国家和地区的经验,建立符合我国国情的持续性监管工作框架,实施对银行业的有效监管,是当前银行业监管面临的一个重要课题。为此,本文在对持续性监管的内涵进行深入细致分析,并总结了前期我国持续性监管的工作成果,在此基础上提出了我国持续性监管的工作框架,即包括监管环境、监管基础设施、监管过程和监管措施四个方面,通过监管法规和监管理念的落实,以及监管手段和监管措施的实施,按照监管标准的要求,取得最终监管目标。