中国(上海)自由贸易试验区金融监管法律风险初探

从上海自贸试验区的创设背景看,在总体方案提出的五大任务中,深化金融领域开放创新是具有更大含金量的部分,其直接关系自贸试验区的运行成败。鉴于金融领域改革创新举措有快速传导性,可能突破自贸试验区范围,影响全国金融体系,因此,必须前瞻性地做好金融监管风险部署工作。从法律视角看,自贸试验区金融监管法律风险是当前我国金融业监管法律风险、自贸试验区法律地位引发的监管风险和自贸试验区金融改革创新带来的监管法律风险的叠加。     

上海建设离岸贸易中心的思路与举措

对标国际先进规则和最佳实践,打造面向全球、辐射亚太、联通国内的离岸贸易中心,增强全球供应链整合能力和资源配置能力,实现贸易主体高度集聚、贸易制度创新深化、贸易能级优化提升、贸易服务高效便捷,进一步强化上海国际贸易中心的核心功能,建成与我国经济贸易地位相匹配、在全球贸易网络中具有影响力的新型贸易枢纽。     

论我国离岸金融市场法律制度的建构

2013年上海自由贸易区正式挂牌成立,自贸区各行业准则和规则都要远远宽松于目前国内适用规则。自贸区作为我国离岸金融试点的前沿平台,引发了新一轮对我国离岸金融市场法律制度建构思考的热潮。文章从我国离岸金融市场法律制度的发展历程及现状,讨论如何从离岸金融市场发展的整体出发,建设规则完备,监管有力的离岸金融法律体系。     

美国离岸金融及其对人民币国际化的启示

美元真正取代英镑成为国际储备货币,这主要取决于美元的稳定性、美国的经济实力和金融市场发展的成熟。而美元离岸市场的发展,更促进了美元作为一种主导型的国际储备货币,在国际贸易和金融交易中发挥主导作用。人民币要成为一种国际性货币,中国就必须要有一个开放性的、发展很广很深的、流动性很好的金融市场,这样才能保证人民币成为一种国际性货币。人民币国际化,主要是交易结算发展的过程,其次是人民币境外市场发展的过程。现在最主要的还是增加跨境人民币的流动性,对人民币从境外流向境内的控制可以谨慎一点;但境内人民币流向境外对境内的冲击要小,所以可以放得更宽一点。在这种情况下,最好的模式就是通过自贸区来发展,把一些管制的措施放得更快、更广。     

浅谈互联网金融的风险及防控

互联网金融是一种新兴的金融行业,在我国的发展可以说是忽如一夜春风来,千树万树梨花开。飞速发展的互联网金融业,在其发展的背后却隐藏了很多不为普通人所知的风险,甚至在野蛮发展的初期阶段隐患重重,出现了很多的问题。现在互联网金融已经在国家的强力规范下步入正轨,但是风险问题依然要提高重视。本文对互联网金融的特点进行了分析,对我国互联网金融业目前存在的主要风险和如何防范这些风险提出了一些对策与建议。     

国际金融危机下的金融创新与金融监管

金融创新会对金融业和整个国民经济的发展起到极大的促进作用,但是金融创新是一把双刃剑,处理不好就会对金融业甚至国民经济造成极大的危害,因此就需要金融监管。本文主要阐述金融创新和金融监管的关系,它们是对立统一的关系,我国现有的金融监管的不完善之处,以及在金融危机的背景下,对金融监管提出的新挑战,并提出完善我国金融监管的对策。     

法律风险防范体系在电力企业的构建

市场经济的特征决定了风险管理是现代企业不可或缺的管理内容。风险蕴含着成功的机会,也包含着失败的可能,极具挑战性。各种风险处理不当不仅会演变成法律风险,更会使企业遭受无法挽回的损失。随着改革开放的深入和市场经济的建立与发展,企业也认识到在激烈的市场竞争中,各种风险也越来越大。特别是电力体制改革的推进,     

新商业模式下商业银行的风险防范策略

金融创新的发展改变了传统银行的经营模式，因此金融风险也显现出新的特征，构建防范新风险的体制、机制以及开发风险防范工具和技术是我国商业银行必须面对和解决的问题。     

高校视角的国家助学贷款风险的分析与防范

国家助学贷款是促进教育公平、提高家庭经济困难学生资助水平的一项重要举措。当前国家助学贷款运行中存在信用、社会、管理、政策方面的风险,高校在助学贷款体系中的重要角色定位,反映出高校在贷款管理、风险防范等方面承担的重要职责,因此从高校视角提出国家助学贷款风险防范的对策建议,可以促进其正常运行和可持续发展。     

The Brighter Side of Financial Risk: Financial Risk Tolerance and Wealth

Investors who accept a greater degree of financial risk expect to benefit from higher returns and greater wealth over time. This study explores the relationship between net worth and net financial assets and risk tolerance using data from the 1998 Survey of Consumer Finances. Willingness to take financial risk is associated with a significantly higher net worth for the whole sample, and for samples within age groups. Risk tolerance among those over 65 is among the strongest predictors of a higher net worth.     

现代城市风险管理与防范

现代城市愈来愈庞大、复杂,城市成为社会的核心和主体。在各种资源要素高度密集在城市、城市架构愈益精巧化的同时,城市脱离并悖逆自然界的倾向性加大,由城市自身增长所导致的内在风险因素却与日俱增。城市风险不同于城市问题,具有突发性、危害的全面性以及难以预测等特征,对城市的生存和发展构成根本威胁。为了保持城市健康、良性、长期发展,应从思想上深化对城市风险的认识,从组织、技术等方面采取必要的应对。     

Building Financial Knowledge Is Not Enough: Financial Self-Efficacy as a Mediator in the Financial Capability of Low-Income Families

ABSTRACT

Policymakers in many countries have taken an interest in population-level financial capability. Limited empirical work has examined how constructs that makeup financial capability relate and how they function for individuals with low incomes. Using a national sample of low-income Canadians, we investigate relationships between financial knowledge, financial self-efficacy, and savings outcomes. Overall, we find that financial self-efficacy fully mediated the relationship between objective financial knowledge and postsecondary-education saving. The association between objective financial knowledge and retirement saving and emergency saving passed through financial self-efficacy. Efforts to promote financial capability need to focus on more than objective financial knowledge.     

Roles of Organizers and Champions in Building Campus—Community Prevention Partnerships

Objective: A campus—community partnership can be an effective vehicle for launching environmental strategies to prevent college alcohol-related problems. In this study, the authors' primary aim was identifying key factors that facilitate or impede colleges' efforts to build campus—community partnerships. Participants and Methods: From fall 2004 to summer 2006, administrators at five 4-year colleges participated in a multisite case study. Level of partnership development was the primary outcome. Results: Three interrelated factors facilitated higher-developed partnerships: college staff assigned to facilitate the partnerships who worked as community organizers, higherlevel college administrators who served as aggressive champions, and community initiation of the partnership. The authors did not observe this trio of factors among the less-developed partnerships. A lack of administrative support made it more difficult for a champion to emerge, a college administrator who staunchly advocated for a campus—community partnership, and for those assigned to facilitate the partnership to carry out their work. Conclusions: Colleges should appoint higher-level administrators to serve as champions, while also ensuring that those assigned to facilitate a partnership can apply community organizing skills.     

青年人犯罪风险的防范对策

通过对北欧地区青少年犯罪呈现多样化、比例升高的现状，分析了影响青少年犯罪的个性、家庭、同期群、学校等相关因素，并在此基础上，提出了相关的治理对策，特别是社区防范犯罪项目，已被其他国家的实践证明了是一项降低青少年犯罪风险的有效措施。