The Role of Foreign Banks in Poland

The paper examines the process of the Polish banking sector's internationalisation, with a particular intention of describing incentives and the impact of foreign banks entry. In order to carry out an assessment of changes in the banking market structure and banks' performance, the study introduces arguments and motivations of foreign capital inflow into local financial systems with implications for the stability and the development of the banking sector. The role of foreign capital in the Polish economy derives from an analysis of the effects of foreign banks penetration, in terms of changes in competitiveness, efficiency, and stability of the banking sector. An assessment of concentration level and development prospects have also been included.     

关于货币银行学的理论体系与教学方法

随着社会主义市场经济体制的建立，金融实践活动的展开，传统的货币银行理论面临严峻的挑战，这就需要建立有中国特色的社会主义货币金融理论体系，并且在教学方法上，应坚持素质教育思想，重视智能培养，运用多样化的方法提高学生的独立思考能力和研究能力     

我国居民储蓄分流问题研究——基于发展储蓄替代型证券的新视角

近几年来,我国城乡居民储蓄存款高速增长,放款数量却没有明显增加,由此产生的存贷倒挂形成了严重影响我国宏观经济健康发展的银行体系"黑洞".因此,如何合理、有效地进行居民储蓄分流成为我们面临的紧迫任务.本文对我国居民储蓄分流的现状和存在的问题进行了比较深入的剖析,并且从推动我国储蓄替代型证券的发展的崭新视角,提出了解决我国居民储蓄分流问题的对策性建议.     

Doing Authenticity: The Gendered Construction of Authentic Leadership

Authenticity has been a focus of much leadership research in recent years. Despite this interest, there has been a dearth of studies that explore the role of gender in the social construction of authenticity. To date, authentic leadership theories have tended to be either gender neutral or, where gender has been considered, it is argued that women as ‘outsiders’ are less likely to be accepted by their followers as authentic leaders. In this study we examine the media representations of the CEOs — one male, one female — of two major Australian retail banks during the global financial crisis. Our approach enables us to show that authenticity is something leaders ‘do’ rather than something they ‘have’ or ‘are’, and that being constructed as authentic depends on the leader performing authenticity in line with gender norms deemed appropriate for the socially constructed context in which they are expected to lead.     

Health Promotion using Tablet Technology with Older Adult African American Methadone Clients: A Case Study

This exploratory study examined three single case studies to investigate the feasibility of handheld tablet computers for older adult methadone clients. The intervention targeted African American adults (N = 3) over the age of 50 who were in substance abuse treatment. Subjects participated, via a face-to-face video program, in 12 educational sessions focused on healthy living. Both the feasibility of teaching older adult subjects to use tablet computers and their levels of engagement in the intervention were assessed. In addition, completion of participants’ goals and their ability to remember those goals were tracked weekly. Findings revealed that participants were able to learn how to operate the tablets and enjoyed using the technology. Frequent interactions between the counselors and the participants, using face-to-face video, facilitated success in achieving program goals.     

At Home with Media Technology

ABSTRACT

People's engagement with media devices in the domestic sphere varies greatly, as do the decisions they make regarding when, where, and how the devices are utilized. How do we organize our houses for media consumption and/or creation? How do our houses' spatial configurations affect our media consumption and habits? How does time play a role in media engagement? These questions directly relate to design—our homes are both spatially and temporally designed—by us, and for us. The design issues of creating and maintaining a “home” are compounded by the various media devices we use—telephone, TV, stereo, Internet-enabled computer, and so on. We not only “design” how we use these devices, but where and when they are used. In this context, media devices are not passive objects, but rather through our engagement with them, they alter domestic space/time, and may ultimately challenge how we understand and define domesticity. Media technology simultaneously constructs new, and interrupts existing, domestic territories. We will explore the reciprocal impact of domestic space/time and media technology, with a view to revealing the ways in which this nexus becomes a question of design.     

Scamming the Poor

Abstract

Because of the difficulty in securing traditional forms of credit, the poor are often driven into the fringe economy for check cashing, bill paying and short-term loans. These services involve high user fees and exorbitant interest rates that rival or even exceed those for illegal loan sharking. Fringe lending businesses function as a legal and virtually unregulated form of predatory loan-sharking. They neither offer nor promote savings-based financial products that build assets and increase household wealth. The predictable outcome is the depletion of the income and assets of low-income families and communities. Because many poor clients are vulnerable to fringe market lenders, social workers need to understand this market to better assist the poor in finding and developing alternative forms of borrowing. This article will explore the rapidly growing fringe economy and examine strategies to help curb the drain of income and assets from low-income communities.     

中国银行业竞争度测度模型改进研究

在对已有测度模型和测度指标进行比较分析的基础上,结合中国商业银行表外资产规模持续扩大、综合化经营水平不断提升、金融集团化日渐明显的发展趋势,对Boone指数的估计方法进行改进,并以2012—2018年60家商业银行的经营数据为样本进行实证研究,评估利率市场化对商业银行竞争度的影响。研究结果表明,模型类型会直接影响Boone指数的估计值,基于动态面板数据模型的估计值与随机效应模型、固定效应模型的估计值显著不同;随着时间的推移,资产规模并未随着效率的提升而增长,Boone指数呈下降趋势,银行业竞争度逐年下降;利率市场化完成之后,银行业竞争度并未上升,反而显著下降。从制度上解除利率管制并不能彻底扭转银行业竞争度不足的现状,还需要从扩大银行业对外开放、放松中小银行准入管制、硬化地方政府和国有企业的预算软约束等方面入手,进一步深化银行业市场化改革。