我国影子银行发展及其对经济金融的影响研究——以山东省为例

本文基于我国对影子银行的定义测算其规模,并在此基础上采用2002—2014年的月度数据和结构VAR模型(SVAR)实证研究了影子银行对宏观经济发展和金融体系的影响。结果表明,近些年我国影子银行发展规模均以较为平稳的速度增长;影子银行短期内对经济增长有负面影响,但总体来看其发展对我国宏观经济具有积极作用;影子银行发展对我国金融发展具有一定的促进作用,但其规模过度扩张将会增加商业银行流动性风险,弱化其信用中介功能,对金融稳定产生负向冲击效应。最后在总结研究结论的基础上提出政策建议。     

利率市场化对商业银行影响的经验及启示——以台湾为例

利率市场化的加速推进给国内城商行的经营发展带来深刻的影响。国内利率市场化遵循渐进改革思路,与台湾地区利率市场化具有相似之处,经历14年的利率市场化改革,台湾银行业在低利差的环境下通过推进组织流程优化来提升运营效率;强化金融服务手段来改善资金来源结构,从而降低资金成本;依托金融控股公司平台,发挥整合行销效益,扩大客户基础;积极调整优化资产结构,大力拓展民营企业和消费金融业务等举措实现发展转型及安全稳健经营。台湾银行业的发展经验值得国内城商行借鉴。     

外资银行发展状况考察:商业存在的国际化

本文在银行商业存在国际化形式的比较说明之后,着重从微观角度评述了国际化的动因,分析了客户追随、利润机会和业务竞争等影响因素。从金融中心、发达国家、发展中国家三个不同层面考察、分析了国际化的状况。最后得出:商业银行走出国门与否服从于总体发展战略,国外机构的经营业务是从地区和业务领域内渐次铺开的,并对商业存在国际化的路径进行了简要设计。     

The geography of air freight: connections to U.S. metropolitan economies

Despite the rapid growth of air freight shipments, much of the existing literature on the geography of air transportation has paid more attention to passenger travel than air freight. The purpose of this paper is to elevate our understanding of air freight by determining which specific variables most influence and shape the geographic distribution of air freight by metropolitan area using stepwise regression analysis. The empirical results suggest a regression model of five independent variables was the most parsimonious solution where the final model accounted for 71.1% of the variation in air freight shipments by metropolitan area (MA). The most important predictor was the traffic shadow effect, where less populated MAs under the traffic shadow of larger MAs tended to generate lower levels of freight. The model also suggested that other key predictors included the employment market share in transportation-shipping-logistics industries, per capita personal income, the number of medical diagnostic and supplier establishments, and above average wages in high technology. Overall, metropolitan markets with diverse and efficient ground support systems, freight forwarders and other transportation services, a more affluent population, an intense agglomeration of medical laboratories and related suppliers, and a well paid skilled workforce engaged in computer systems design and electronic product manufacturing are more likely to ship freight by air.     

Differences and similaritites between corporate governance principles in Islamic banks and Conventional banks

The purpose of this paper is to present the some differences and similarities between corporate governance principles in Islamic banks and conventional banks by paradigmatic diversification. Since Corporate governance in Islamic banks is a social phenomenon in Islamic societies, the paper uses social theory paradigms (functionalist, interpretive, radical humanist and radical structuralist) to compare between corporate governance in Islamic banks and conventional banks. This paper demonstrates that mainstream corporate corporate governance theories are not a law of nature but a social construct.     

The Impact of Foreign Banks on Monetary Policy Transmission During the Global Financial Crisis of 2008–2009: Evidence from Korea

This article examines the impact of foreign banks on the monetary policy transmission mechanism in the Korean economy during the period from 2000 to 2012, with a specific focus on the lending behavior of banks with different types of ownership. Using bank-level panel data of the banking system in Korea, we present consistent evidence on the buffering impact that the foreign banks, especially foreign bank branches including US bank branches, on the effectiveness of the monetary policy transmission mechanism in Korea from the bank-lending channel perspective during the global financial crisis of 2008–2009.     

影子银行对我国金融稳定性影响的实证分析

近年来我国影子银行发展迅速,影子银行对金融稳定性的影响引发关注。基于2001—2012年年度数据,选取委托存款和信托存款、委托贷款和信托贷款、未贴现银行承兑汇票、集合理财产品、社会融资规模等作为影子银行的代理指标,采用协整检验和误差修正模型（ECM）实证分析影子银行发展和金融稳定性之间的短期波动和长期均衡关系。结果表明,影子银行作为我国传统金融体系的有效补充,其过快的规模扩张明显降低了金融体系钧稳定性。目前,我国金融环境还很不成熟,影子银行发展应遵循循序渐进的原则,而不能脱离必要的监管。     

国外商业银行社会责任的良好表现与借鉴

总体上,就企业社会责任(CSR)的实际表现而言,我国商业银行与国外同行相比,还存在不少差距.我国商业银行社会责任价值观存在某种弱化趋势,这一问题可能会最终影响其市场竞争力和可持续发展.文章探讨了国外商业银行在社会责任方面的良好表现,并结合我国商业银行实际提出了一些改进意见.     

股份制商业银行治理:基于年报的实证分析

采用2001-2003年间11家商业银行的19个年报样本为依据,对我国股份制商业银行的治理机制及其与银行绩效的关系进行实证分析,发现样本银行股权结构并没有对银行绩效产生影响,董事会规模和高管人员薪酬激励对银行绩效有积极的作用,而独立董事比例和董事会会议次数却对银行绩效产生了负面影响;此外银行规模也是提升银行绩效的重要因素。     

论中资银行电子化发展战略

随着信息技术的广泛应用,银行金融电子化的水平成为衡量银行竞争力的关键。当前,中资银行已经基本建立了电子化服务体系,但与外资银行相比仍存在较大差距。中资银行应当借鉴外资银行先进经验,尽快制定和完善电子化发展战略。