浅议如何充分发挥银行内部审计建设性职能

目前，中国建设银行已建立了总行垂直管理的内部审计体制，内部审计的地位得到了进一步的巩固和加强，管理层对内部审计也提出了更高的要求。本文就如何发挥审计的建设性职能，最大程度地做好审计增值服务，促进银行价值和运作效率的提升，实现审计职能从查错防弊向防护决策和建设性方面转变做初步探讨。     

中国商业银行市场结构分析——基于Panzar-Rosse模型

运用Panzar--Rosse模型这一国际上前沿的市场结构判定方法，分析中国商业银行的市场结构，发现其目前正处于垄断竞争状态，垄断性较强。在此基础上本文提出了降低市场准入门槛、改善市场竞争环境的政策措施。     

我国商业银行私人银行业务的发展现状与对策

随着我国富裕阶层队伍的不断壮大,我国私人银行业务显示出巨大的市场潜力,中外银行因此展开了激烈的竞争。但是,我国商业银行发展私人银行业务也面临着诸多制约因素。因此,我国商业银行应在市场细分、产品的研发与创新、品牌建设、组织架构、专业人才的培养、外部环境建设等方面采取切实措施,以促进私人银行业务的发展     

Labour use efficiency in the Indian and Pakistani commercial banks

The Indian and Pakistani banking industry is said to have an excessive use of labour due to the significant market share of government owned banks. Both countries have undertaken a process of regulatory reform to bring about market discipline in the usage of inputs and to increase the labour use efficiency and productivity. The focus of this paper is the estimation of productivity and efficiency of labour use in the banking sectors of the Indian sub-continent. The results show that the efficiency of labour use across the Indian sub-continent is improving over time and that foreign banks are more efficient compared to domestically owned banks in their usage of labour.     

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.     

人民银行员工激励机制设计的进化博弈分析

博弈理论是当代主流经济学发展最迅速和影响最大的分支学科之一。其中,进化博弈理论由于引入了“进化稳定策略”（ESS）的概念,有效解决了博弈双方有限理性的现实问题,在解释经济管理现象时更具说服力和生命力。本文结合人民银行实际,通过构建进化博弈理论的复制动态模型,试述人民银行员工激励路径的选择及机制设计的有关问题。     

Competitive effects of Basel II on US bank credit card lending

We analyze the potential competitive effects of the proposed Basel II capital regulations on US bank credit card lending. We find that bank issuers operating under Basel II will face higher regulatory capital minimums than Basel I banks, with differences due to the way the two regulations treat reserves and gain-on-sale of securitized assets. During periods of normal economic conditions, this is not likely to have a competitive effect; however, during periods of substantial stress in credit card portfolios, Basel II banks could face a significant competitive disadvantage relative to Basel I banks and nonbank issuers.     

小额贷款的业务效率与关联效应:解析鲁省邮政储蓄银行

以山东省为样本,采用随机前沿法测算地区邮储银行小额贷款业务的效率,并对收入水平、贷款额度对效率水平的影响进行实证分析后发现,小额贷款业务总体效率水平较高,而且县域地区支行效率高于城区支行;在其他因素相同的条件下,农民收入水平越低的地区,小额贷款业务效率越高;此外,单笔贷款额度的大小对小额贷款业务效率并没有显著影响。     

泡沫经济破灭前后日本银企信用风险管理制度及其功效分析

战后,日本金融体系效仿欧美国家建立起一系列信用风险管理制度。同时,根据市场主导型金融市场的特点,逐步建立起具有自身特点的信用风险管理制度。日本银企信用风险管理制度包括商业银行的内部控制制度、银行风险防御及挽救制度、商业银行外部监管制度。通过对日本银企信用风险管理制度的功效进行剖析,可以看出这一制度存在局限性并与日本的泡沫经济、金融危机、金融效率存在内在关系。     

供应链金融在商业银行中小企业信贷中的应用研究

供应链金融模式改变了过去银行等金融机构对单一企业主体的授信模式,充分利用了产业供应链结构特点及对商品交易细节的把握,围绕核心企业对其供应链上的中小企业提供金融支持。本文从供应链金融的内涵出发,对链条上的构成要素及三大主要融资模式进行分析。从商业银行的角度揭示了供应链金融的优势,并对商业银行继续开展该项业务提出建议,以期在提高商业银行经营利润的同时,能更好地解决中小企业融资难的问题。