Putting ‘merchants of debt’ in their place: the political economy of retail banking and credit-based financialisation in Germany

Why did household debt in Germany not increase after the year 2000? This article offers a supply-side explanation for this deviant debt trajectory by tracing the historical evolution of retail banking in the German political economy. It argues that at the end of the 1990s and in the light of European Monetary Union, profitability issues and banking fragmentation became severe enough to interrupt the path towards credit-based financialisation as prevalent among other capitalist economies. These factors interacted with a traditional lack of tools and incentives for rapid credit expansion, even though they were renegotiated in the processes of financial liberalisation, internationalisation and innovation. By employing historical-qualitative as well as statistical evidence for the argument, the paper’s contribution becomes twofold. First, it introduces and conceptualises retail banking as a focal point in the analysis of national financial systems and their transformation. Second, it complicates the standard accounts of German non-financialisation and reveals the ‘contested’ character of financial reform.     

商业银行客户——利润双导向营销模式研究

客户—利润双导向营销模式需要商业银行根据顾客的需求不断开发新的产品和新的服务,发掘新的利润空间。本文以国内A银行采取的客户—利润双导向营销模式为例进行研究,分析结果表明,这种营销模式能够提高客户满意度和竞争力。同时,商业银行还需要以客户为中心实现全行营销,加强现代科技手段的营销,有针对性地对客户提供个性化服务。     

我国商业银行结算风险问题研究

银行支付结算工作是银行会计工作的基础,银行支付结算工作质量的好坏直接影响会计工作质量好坏。银行结算风险的出现使银行资金直接造成损失。近年来,银行结算案件发生呈上升趋势,防范结算风险的重要性受到各银行的重视,已经作为银行内部监管的一项重要工作。     

我国商业银行开展国际保理业务的条件和对策

国际保理业务是一项新兴的综合金融服务,在我国商业银行与外资银行的激烈竞争中,国际保理业务是决定竞争胜负的关键业务之一。因此必须积极地创造我国商业银行开展国际保理业务的条件并采取相应的对策,才能适应工作的需要。     

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.     

Measuring performance in the presence of stochastic demand for hospital services: an analysis of Belgian general care hospitals

Since demand for hospital services is subject to substantial variability, the relationship between uncertain demand, excess capacity, hospital costs and performance should be investigated thoroughly. In this paper a waiting time indicator to proxy hospital standby capacity is incorporated into a multi-product translog cost function for Belgian general care hospitals. The indicator is derived from queuing theory and improves on the conventionally used (inverse of the) occupancy rate. The multi-product stochastic frontier specification allows calculation of cost elasticities and marginal cost of seven hospital departments, as well as the degree of economies of scale and scope and enables identification of differences in efficiency.

Credit risk,owner liability,and bank loan maturities during the global financial crisis

We relate credit risk and owners’ personal guarantees to bank loan maturities during the global financial crisis. The findings, which remain robust to reverse causality, show that firms rated as low risk, with a strong relationship with the bank, whose owners provided personal guarantees and with large loan sizes obtained longer maturities. Banks with larger nonperforming loans provided loans with shorter maturities. Firms with low‐ and high‐risk ratings that provided owners’ personal guarantees obtained longer maturities. These findings shed additional light on the relationship between risk and loan maturities and the role of personal guarantees in reducing information asymmetries.     

我国商业银行风险评价——基于年报数据的因子分析法

基于因子分析法以及商业银行年度报告中常用的经营指标作为风险因子来建立因子分析方程,并对商业银行风险进行评价,以及将评价结果与商业银行管理费用率进行回归后发现,两者之间存在明显的相关关系,商业银行风险评价得分越高,其风险水平就越低,其当年的管理费用率就越低,即商业银行风险管理水平对其当年的经营成本有直接影响。     

客户偏好指标和银行渠道使用对应分析研究

随着商业银行竞争的日趋激烈,银行营销渠道在其经营发展中地位日益明显。由于不同渠道其服务范围和条件、成本和效益有明显的区别,同时,客户不同的行为偏好对于不同渠道的应用也存在差异,所以,商业银行客户偏好分析就成为银行渠道发展策略的首要任务和出发点。在介绍相关理论基础上,建立商业银行客户偏好分析的框架,提出了客户偏好分析指标体系,最终利用实际调研数据对客户偏好指标和银行渠道进行分析,得到偏好指标和渠道之间的对应关系,对国内商业银行如何利用客户偏好分析方法实施差异化策略提出方法和建议。