商业银行个人客户满意度影响因素的实证分析

随着竞争的加剧、金融管制的放松和信息技术的发展,对客户需求的满足能力是商业银行可持续发展的关键所在。本文采用定性与定量的研究方法,分析了影响个人客户满意程度的因素。研究结果表明:银行的服务、银行的形象、银行提供的金融产品及银行营业网点的便利性,是影响个人客户满意程度的主要因素。在此基础上,比较了国内五家商业银行在这些重要因素上的表现,并提出了提高银行个人客户满意程度的相关建议。     

零售商买方势力一定会导致通道费吗？--基于纵向市场结构的合作博弈分析

关于通道费的研究,有一种观点认为通道费是零售商买方势力的体现。但是现实经济中有些具有买方势力的零售商收取通道费,而另一些却不收取通道费,买方势力的观点不能对这一现象作出解释。针对此,构建双边双寡头的纵向市场结构模型,并在模型中引入零售商的价格竞争和服务竞争,在合作博弈的框架下分析研究了零售商买方势力与通道费之间的关系。研究发现买方势力并不是出现通道费的充分条件,而只是必要条件,通道费的出现与否除了与零售商买方势力有关外,还与其他的市场环境因素有关。最后,通过线性需求函数的特例对这一结论进行了验证,并在此基础之上提出了相应的规制政策建议。     

中国上市银行内部治理机制与综合绩效

本文通过对我国14家上市商业银行上市以来至2008年公布的所有年报和半年报数据进行实证分析,考察了不同内部公司治理机制对包括盈利性、安全性和流动性在内的银行综合绩效的影响。与以往研究不同的是,本文发现,股权集中度以及独立董事比例与银行综合绩效间并不存在简单的线性关系,而是存在显著的倒U型非线性关系;董事会规模和银行综合绩效呈现出显著负相关的关系。此外,控股股东性质对上市银行综合绩效没有明显影响,也无直接证据支持战略投资者持股和管理层薪酬激励能显著改善银行业绩。     

企业合作创新与组织层次的融合:基于界面管理的思考

合作创新是一种突破企业边界的外部技术协同活动,它涉及到一系列多层面主体在平行层次和跨层次的复杂交互活动。界面管理理论是研究这一问题的有效工具,它指导了如何在多主体间有效地协调和解决交互矛盾,最终提高界面目标实现的有效性。本文运用界面管理思想构建了一个企业合作创新的界面层次分析框架,将合作创新管理的关键定位于界面管理。合作创新包含两类界面横向界面和纵向界面。其中,横向界面是指伙伴企业平行层次的对等主体间的交互作用,包括企业间组织层界面、项目团队层界面和个体层界面;纵向界面则是指伙伴企业间垂直层次的、有行政隶属关系的不对等主体间的交互作用,包括项目团队与组织间的界面、个体与项目团队间的界面。这些界面的运行过程和特点表现了跨组织活动的运作机理,而对这些界面进行恰当有效地管理则直接决定企业合作创新的成果。     

Bank ownership type and temporal evolution of long‐term bank funding in the period 2005–2017

This study uses a large panel dataset of Western European banks to examine the determinants of bank funding stability. Banks are divided into three categories by bank ownership type; the ownership types in this study are commercial banks, cooperative banks and savings banks. Three sources of stable bank funding are investigated: customer deposits, equity, and long‐term liabilities. Furthermore, the sum of these funding components is used as a proxy variable for a bank's total available stable funding (ASF). A special focus is on the temporal evolution of these funding types. The regression results show that commercial banks’ funding became much more stable in the period 2005–2017. However, that funding remains, on average, less stable than does cooperative and savings banks’ funding. In addition, funding stability has remained at the pre‐crisis level in cooperative and savings banks, despite a steep dip in cooperative banks’ ASF during the sovereign debt crisis. Furthermore, banks substantially decreased financing from long‐term liabilities after the financial crisis, replacing it with customer deposits and equity.     

Will FinTech make regional banks superfluous for small firm finance? Observations from soft information-based lending in Germany

Regional banks have a competitive advantage in that short distances to clients enable the use of soft information for superior lending decisions. If the ambition of FinTech start-ups to create superior screening and monitoring technologies materialises, this advantage would be diminished and regional banks would become superfluous for small firm finance. To explore this claim, the paper in hand analyses qualitative empirical data about the lending processes and rating system use of regional German savings banks. In essence, the results from participant observation and interviews clarify the importance of “real” soft information for critical lending decisions. The context specificity and limited verifiability of “real” soft information hamper it from being hardened through the use of rating systems and other bank-ICT. Though FinTech's scoring technologies may overcome the first limitation, it appears likely that in the course of scoring development “real” soft information will be systematically crowded out due to the manipulation problem. The paper expects improved access to finance for SMEs if FinTech solutions overcome both limitations of “real” soft information use, or if peer-to-peer lending and regional banks coexist. Deteriorated access to finance is expected if FinTech companies displace the relationship banking of regional banks due to enhanced competition, without preserving the advantages of “real” soft information with superior screening and monitoring technologies. The paper concludes with recommendations on how to prevent deteriorated access to finance for small firms by promoting fair competition and FinTech innovations.     

Shadow Banking Credit Intermediation： Determinants of Default Risks in Securitization and Collateralization

The growth in shadow banking system over the past few years is acknowledged as the key risk to Malaysia＇s financial stability. This is because that it is associated with growth in the household debts extended by the shadow banks. In line with initiatives by the Bank Negara Malaysia （the Central Bank of Malaysia） to enhance surveillance on the activities of the shadow banks in Malaysia, this study attempts to examine the determinants of default risks of shadow banks restricting to focus on their two main activities： securitization and collateralization. The results provide empirical evidence that future methodology to examine the systemic risks in the shadow banking system may need to account for additional explanatory variables that measure collateralized assets that are being intermediated.     

自主学习与合作学习在高职高专英语教学中的应用

新一轮课程改革将带来学生学习方式的变革,大学英语课堂创新教学是促进学生进行自主与合作学习,培养学习能力的有效阵地。本文从自主与合作学习的目的入手,对其理论基础进行阐述,并从英语教学现状来分析必要性,对自主合作学习在英语教学中的实施过程展开探索,总结了实施过程所取得的成果、存在的问题及需要进一步探讨的问题。本文立足于高职高专的英语课堂教学,并以东北石油大学秦皇岛分校英语教学改革为实例,这种英语教学新模式的实验经验表明可以在一定程度上提高英语课堂教学效率。     

商业银行国家助学贷款之风险分析

文章着重论述了国家助学贷款的信贷风险问题,指出国家助学贷款是一种财政贴息无担保的信用贷款,是一项公共政策;提出防范助学贷款的信贷风险,需要构建以国家征信体系为基础的社会诚信环境,完善全国性的个人征信信息系统,大力推广生源地贷款,创建助学贷款的风险管理系统。     

工程能力在课堂教学中的培养

综合性工程能力是衡量当前大学生水平的主要方面。在大学课堂教学中采用工程驱动加团队结合的教学模式,将启发式学习过渡为基于问题的学习,利用与职场工作方式类似的形式,充分调动学生们的学习主动性和积极性,使个人学习转变为团队合作学习,实现了大学生的专业素质和非专业素质能力的同步培养和提高。