吉林省支付清算系统及业务发展问题研究

吉林省支付清算系统的高效运行对地方经济的发展发挥了积极的推动作用,本文在研究吉林省支付清算系统的运行情况及其与地方经济、金融关系的基础上,对制约支付体系业务发展的因素进行了深入分析,并提出了相关政策建议。     

第三方支付的宏观经济风险及宏观审慎监管

国内第三方支付市场发展迅猛,作为一种新型的支付清算体系,它的诞生也为现代金融体系增加了新的宏观经济风险。本文针对第三方支付独特的风险机理,探讨将其纳入宏观审慎监管框架的理论依据,同时在借鉴欧美经验的基础上,提出我国的监管对策。     

EMV认证的实现

首先简要介绍EMV认证是全球公认的统一标准,金融系统设备招标的必备条件。加之目前的磁条卡存在很多漏洞,出现很多所谓的“高科技”犯罪案件,所以磁条卡向智能卡过渡是必然的趋势。然后介绍了EMV认证中读卡机具非接Levell各个部分的实现。     

Financial consequences of a payment-by-results scheme in Catalonia: gefitinib in advanced EGFR-mutation positive non-small-cell lung cancer

Background: In 2011 the first payment-by-results (PbR) scheme in Catalonia was signed between the Catalan Institute of Oncology (ICO), the Catalan Health Service, and AstraZeneca (AZ) for the introduction of gefitinib in the treatment of advanced EGFR-mutation positive non-small-cell lung cancer. The PbR scheme includes two evaluation points: at week 8, responses, stabilization and progression were evaluated, and at week 16 stabilization was confirmed. AZ was to reimburse the total treatment cost of patients that failed treatment, defined as progression at weeks 8 or 16.

Objective: To estimate the financial consequences of this PbR reimbursement model and determine the perception of the stakeholders involved in the agreement.

Methods: Differential drug costs between two scenarios, with and without the PbR, were calculated. A qualitative investigation of the organizational elements was performed by interviewing the parties involved in the agreement.

Results: Forty-one patients were included from June 2011 to October 2013 and assessed at two evaluation points. Clinical results were comparable to those observed in the pivotal studies of gefitinib. The difference in the cost of gefitinib using the PbR compared to the traditional purchasing scenario was 6.17% less at 8 weeks, 11.18% at 16 weeks and 4.15% less for the overall treatment. The PbR resulted in total savings of around €36,000 (€880 per patient). From an operational and organizational perspective, the availability of adequate data systems to measure outcomes and monitor accountability and the involvement of healthcare professionals were acknowledged as crucial.

Conclusions: Tangible and intangible benefits were identified with respect to the interests of the parties involved. This has led to the incorporation of innovation for patients under acceptable conditions.     

中国的对外资金循环与外汇储备的结构性问题

本文探讨了自20世纪90年代以来的中国对外资金循环的特点及结构性问题。根据资金循环的动态过程建立了国际资金循环分析的理论模型,应用模型从储蓄投资与经常收支以及国际资本流动三方面,分析中国对外资金循环出现的双顺差现象以及由此所产生的外汇储备急增的问题。提出了对外资金循环结构性调整以及完善经济发展模式的政策建议。     

非现金支付的发展及其规律性的分析

本文分析了2013年至2017年我国非现金支付发展情况及其规律性,建立了关于非现金支付工具选择偏好的模型。数据分析发现,在这段时间传统的非现金支付业务出现了较大幅度的下降,而新型的电子化支付工具迅速发展,特别是网上支付和移动支付业务规模出现爆发性增长。理论研究表明,非现金支付工具的选择主要决定于安全性、便利性和使用成本,而这三项因素又受到交易规模的影响。交易规模越大,人们对支付工具的安全性要求越高,对便利性要求越低,也可以接受付费和较高的使用成本;交易规模越小,人们对支付工具的便利性要求越高,对安全性要求降低,也不可以接受付费和较高的使用成本;在交易规模一定的情况下,越安全、越便利、使用成本越低的支付工具越能得到使用。本文建议,应将非银行支付机构的账户余额纳入M1范围,加强对非现金支付工具的统计分析,加快开发中央银行主导的新型非现金支付工具。     

公众对电子政务初始信任形成的影响因素研究

电子政务正逐渐为越来越多的公众所采纳。世界各国都开始重视电子政务的发展,政府大力推广电子政务最大的目标是更好的为公众服务,建设服务型政府。然而,公众很少使用电子政务。缺少信任被认为是造成使用率偏低的最重要的原因之一。本文在技术接受模型(TAM)和初始信任的理论基础之上,讨论了网络信任和政府信任这两大宏观因素对构建电子政务初始信任的作用原理。本文以政府门户网站为研究对象展开研究,希望能为政府推广电子政务提供决策参考。     

BBC效率模型下区域产业承接效率测度：以长江经济带为例

长江经济带作为“一带一路”国内沿线地理意义上的国内区域,涉及省(市)的产业梯度转移与产业转入地的产业承接活动频繁。但长期单向产业“高-低”转移使得区内省份间的产业趋同性严重,产业资源利用效率结构性失衡。借鉴距离协调度模型对效率模型进行合理改进,通过分析2006-2015年经济带内的面板数据,测算出区内各省（直辖市）产业承接效率,并探讨区域产业整体承接效率值与经济增长的门槛效应,进而分别以二、三产业增加值作为经济增长因变量考察门槛值变动状况。结果发现：长江经济带内各省（直辖市）产业承接效率整体不高,各省产业承接效率与自身经济发展不存在线性关系,总体呈现出衰退趋势。以二、三产业增加值为因变量的产业转移效率测算结果则表现出在各自阈值内分别加速转移和减速转移现象,即区内第二产业承接效率总体趋缓,第三产业承接效率总体加速。相对来说,两个直辖市的产业内生性较显著。     

Airline passengers’ continuance intention towards online check-in services: The role of personal innovativeness and subjective knowledge

This study integrates the individual psychology constructs (personal innovativeness and subjective knowledge) with the Technology Acceptance Model to develop and test a model of airline passengers’ continuance intention towards online flight check-in services. Predictions were tested with data from a sample of airline passengers in China who have experienced the online check-in service. The findings of this study demonstrate that airline passengers’ innovativeness and subjective knowledge have a direct effect on continuance intention, and an indirect effect through partial mediation of perceived ease of use and perceived usefulness. Theoretical and managerial implications are discussed.