“双手册”党建工作标准模式探析——以中国人民银行日喀则市中心支行为例

习近平总书记在党的十九大报告中指出,要把基层党组织建设成为宣传党的主张、贯彻党的决定、领导基层治理、团结动员群众、推动改革发展的坚强战斗堡垒。面对全面从严治党的新形势新要求,人民银行日喀则市中心支行坚持"抓党建、带队伍、促履职"的党建工作思路,转变观念、丰富措施、拓宽载体、强化落实,主动调研,坚持传承和创新相结合,通过几年来大量的实践和调研,探索建立了一套以《党建工作手册》和《党支部工作手册》为基准的"双手册"党建工作标准模式,有力促进了基层党建工作的发展和党员"两个作用的发挥"。     

Bank Lending Standards and Access to Lines of Credit

This paper examines how changes in bank lending standards are related to the availability of bank lines of credit for private and comparable public firms. Overall, we find that access to lines of credit is more contingent on bank lending standards for private than for public firms. The impact of bank lending standards is however asymmetric: while private firms are less likely than public firms to gain access to new lines when credit market conditions are tight, we find no difference between public and private firms in terms of their use or retention of pre‐existing lines. We also find that private firms without lines of credit use more trade credit when bank lending standards are tight, which is suggestive of a supply effect. Overall, the evidence suggests that “credit crunches” are likely to have a disproportionate impact on private firms. However, pre‐existing banking relationships appear to mitigate the impact of these contractions on private firms.     

商业银行开展行业分析工作探讨

行业分析是金融从业人员、大众投资者为获取行业本质规律、信贷承载能力和价值回报水平等而进行的分析工作。商业银行开展行业分析工作具有重要意义。行业分析的内容不但要包括行业发展趋势,还要深入分析行业的物流、资金流和信息流等运营特征;不但要把握行业的信贷风险,还要组合设计合适的产品,同时对银行所维护的行业客户质量有清晰的认识。对于商业银行来说,开展行业分析是以常态化、组织化和实用化为基础的。     

中央银行独立性与资产负债管理

金融危机后，各同中央银行的独立性和资产负债管理引起专家学者的重视。中央银行的独立性影响其调控经济的能力，不同独立性下的经济调控反映在资产负债表上就是各具特色的资产负债管理。本文分别研究了美联储、日本银行和中国人民银行的独立性和资产负债管理，以期对我国中央银行的独立性和资产负债管理提供有益借鉴。     

2010年国际原子能机构的新举措

2010年国际原子能机构继续为促进全球核能和平利用做出了积极贡献。2010年，全球核能发展仍保持复苏势头，INPRO项目实施10周年成果显著，机构新的6年中期战略出台，技术合作计划平稳实施，《核安全标准战略及行动》颁布，监管者合作论坛（RCF）工作进一步推进，并决定建立低浓铀银行。     

Central bank's liquidity provision and firms' financial constraints

This paper investigates the impact of central bank's liquidity operations on the financial constraints of the bank-dependent firms. We use the Reserve Bank of India's liquidity operation called Term Repo Operation (TRO) in the study. The empirical analysis is based on a large scale firm-level data for the period 2011–2016 and panel logit estimation method. Our findings indicate that the financial constraints of the bank-dependent firms have reduced than their counterparts since the introduction of the operation. We also show that larger firms reap significant benefit out of TRO than the smaller firms.     

Is there an S in urban housing supply? or What on earth happened in Detroit?

This article examines the substantial housing stock declines between 2000 and 2010 in many major US central cities. It updates an analysis first formulated in the 1970s, of an S-shaped housing supply curve, to explain decreases in absolute housing stocks. Explanatory variables include Metropolitan Statistical Area standardized rents, center city prior occupancy rates, regional unemployment rates, and a set of regional and state dummy variables. The analysis provides strong evidence of a lower tail of the S, and more tentative evidence of an upper tail. Market fundamentals explain a considerable portion of the large housing stock losses, but in several cities loss of dwelling units and housing abandonment were worse than could be explained by the fundamentals.     

Learning Styles

Abstract

The purpose of this paper is to describe an assessment instrument that college professors can use to identify their own teaching strategies as well as to help their students become more aware of their own learning strategies and motivation for learning. The learning styles of students in two different sections of business-economics courses at Marshall University (MU), Huntington, West Virginia, and Auckland Institute of Technology (AIT), Auckland, New Zealand are determined via the use of the VARK instrument. The information generated by the instrument informs about the general cognitive and motivational characteristics of their students. This information in turn can be used in course planning and teaching. The achievement of college students could be improved by providing instruction in a manner consistent with each student's learning style. The VARK instrument could provide both students and educators in the countries of Central and Eastern Europe with a stimulus for reflection and a change in both learning and teaching methods.     

我国商业银行信用风险转移及贷款规模动态调整的实证分析

信贷风险转移对商业银行影响很大。本文基于2003-2010年我国28家商业银行的基本数据,构建了我国商业银行信贷规模调整的动态面板计量模型,实证分析了商业银行参与CRM(信用风险缓释工具)市场工具交易对商业银行的影响。实证研究发现,商业银行参与信用风险转移能够促进商业银行资产规模扩大,CRM市场交易对商业银行信贷规模的弹性大约在3%左右。因为金融市场的不完善和非市场化因素影响,我国商业银行调整信贷规模的时间周期平均为2.4年左右。因此,商业银行的资本金水平和平均资产回报率对商业银行的信贷规模有正向影响,但对商业银行流动资产和贷款利率影响效果微弱。     

增强银行卡品牌忠诚度途径研究

文章在详细论述银行卡品牌忠诚度重要性的基础上,从营销的角度提出了增强银行卡品牌忠诚度的对策。