我国中小商业银行风险管理策略研究

本文针对中小商业银行风险管理这一热点，对其风险特征和风险来源进行了探析，并在此基础上对我国中小商业银行风险管理提出了综合性的指导性建议，构建了中小商业银行整体风险管理的框架，并研究了商业银行操作风险的标准计量方法。     

我国房地产证券化的特征及其作用

房地产证券化是我国房地产业与金融业发展的一种有机结合 ,它对优化配置与有效利用房地产和资金具有十分重要的意义。它是我国房地产业和金融业发展的客观要求 ,有利于社会资源的分配、稳定证券市场 ;它可刺激相关产业的发展 ,有利于改善投资环境、分散风险。房地产证券化具有扩大资本市场、增强不动产市场流动性、保持不动产市场稳定性和提高投资者效益性等主要特征。     

商业银行非财务信用风险分析

传统的信用风险评估方法仅仅从贷款企业角度来评价商业银行所面临的信用风险,而且评价企业信用风险时,也集中在贷款企业的财务风险评价上,忽略了银行本身存、贷款结构和风险状况对信用风险的影响,造成了评估主体缺位。作为对众多文献的补充,从贷款企业非财务风险因素、银行风险因素和宏观经济环境风险因素三个方面进行了信用风险因素分析,完善了商业银行信用风险评估指标体系。     

基于经营者薪酬设计的中小国企改制研究

通过研究经营者薪酬设计在企业改制过程中的短期效用和长期效用,提出国有企业,特别是中小国企的改制新思路:通过实行期股制,使国有股逐步退出,从而实现经营者控股的渐进式管理层收购.     

利用风险投资促进高校科技成果转化探讨

风险投资可以有效弥补高校科技成果转化中的资金缺口,也可提高高校科技企业后续融资能力。针对目前我国高校科技成果转化中风险投资参与度偏低的现状,文章在分析风险投资对促进高校科技成果的必要性基础上,研究了影响风险投资资金投资于高校科技成果的主要障碍因素,并提出了相应的对策。     

论我国医疗风险分担法律制度之重构——社会本位的法律视角

医疗风险分担是我国一项重要的法律制度。通过对医患双方冲突加剧现象的分析,探析有关医疗风险分担的行政立法和司法适法价值取向严重对立的原因,从社会本位角度提出对医疗风险分担法律制度予以重构。     

Low dose risk estimation via simultaneous statistical inferences

Summary.  The paper develops and studies simultaneous confidence bounds that are useful for making low dose inferences in quantitative risk analysis. Application is intended for risk assessment studies where human, animal or ecological data are used to set safe low dose levels of a toxic agent, but where study information is limited to high dose levels of the agent. Methods are derived for estimating simultaneous, one-sided, upper confidence limits on risk for end points measured on a continuous scale. From the simultaneous confidence bounds, lower confidence limits on the dose that is associated with a particular risk (often referred to as a bench-mark dose ) are calculated. An important feature of the simultaneous construction is that any inferences that are based on inverting the simultaneous confidence bounds apply automatically to inverse bounds on the bench-mark dose.     

买卖合同中的风险转移制度研究

在买卖合同中,风险应被限定为标的物因法定免责事由毁损、灭失的不利状态.由于各种风险的存在,风险转移制度显得尤为重要,它直接关系到当事人最根本的利益,因此是买卖合同中最重要的问题.各国对风险转移制度的规定是不同的,主要有合同订立主义、所有人主义及交付主义三种形式.我国买卖合同的风险转移制度采纳交付主义为一般原则,兼采特别法原则.     

Statistics for weighing benefits and harms in a proposed genetic substudy of a randomized cancer prevention trial

Summary.  When evaluating potential interventions for cancer prevention, it is necessary to compare benefits and harms. With new study designs, new statistical approaches may be needed to facilitate this comparison. A case in point arose in a proposed genetic substudy of a randomized trial of tamoxifen versus placebo in asymptomatic women who were at high risk for breast cancer. Although the randomized trial showed that tamoxifen substantially reduced the risk of breast cancer, the harms from tamoxifen were serious and some were life threaten-ing. In hopes of finding a subset of women with inherited risk genes who derive greater bene-fits from tamoxifen, we proposed a nested case–control study to test some trial subjects for various genes and new statistical methods to extrapolate benefits and harms to the general population. An important design question is whether or not the study should target common low penetrance genes. Our calculations show that useful results are only likely with rare high penetrance genes.     

商业银行贷款风险及其防范

商业银行贷款风险是客观存在的一种经济现象。我国商业银行的不良贷款比率居高不下,状况令人堪忧。它严重影响了商业银行的经营,使其在日益激烈的竞争中处于不利的地位。商业银行为适应新协议的标准和日益激烈的竞争,必须加强贷款管理防范贷款风险。本文在商业银行贷款业务的基础上分析商业银行贷款风险形成的原因,提出商业银行贷款风险的防范对策。