基于股票收益的操作风险资本估计——自上而下方法

操作风险的度量方法包括自下而上和自上而下两种方式,自上而下的方法由于风险敏感度低而较少被银行和学术界关注,但其具有对数据要求低、容易验证的优点.构建一个基于上市银行股票收益的自上而下的操作风险度量模型,利用2000年～2006年中国5家上市银行面板收益数据和其他相关数据,对中国上市银行的操作风险进行实际度量,发现了在中国上市银行的股票收益中操作风险所占的平均比率,并得到相应的操作风险资本估计;用估计的操作风险经济资本与用基本指标法计算的操作风险经济资本进行比较,发现两种方法结果大致相当,这表明按照<巴塞尔新资本协议>规定的基本指标法确定风险资本基本能满足抵御操作风险的要求.度低而较少被银行和学术界关注,但其具有对数据要求低、容易验证的优点.构建一个基于上市银行股票收益的自上而下的操作风险度量模型,利用2000年～2006年中国5家上市银行面板收益数据和其他相关数据,对中国上市银行的操作风险进行实际度量,发现了在中国上市银行的股票收益中操作风险所占的平均比率,并得到相应的操作风险资本估计;用估计的操作风险经济资本与用基本指标法计算的操作风险经济资本进行比较,发现两种方法结果大致相当,这表明按照<巴塞尔新资本协议>规定的基本指标法确定风险资本基本能满足抵御操作风险的要求.     

现代商业银行业绩评价方法设计——基于主成分赋权的多层次递级集成思想

本文所设计的商业银行业绩评价方法克服现有评价方法中的有关缺陷,根据现代商业银行的业务结构特点,以n个商业银行的业绩数据为基础,采用主成分赋权的方法,运用线性和非线性加和集成的价值函数,以递级集成的方式来设计商业银行的业绩评价方法。     

Heterogeneous Perspectives in Coalitions and Community-Based Responses to Sex Trafficking and Commercial Sexual Exploitation: Implications for Practice

ABSTRACT

Despite increases in community-based coalitions to address sex trafficking and commercial sexual exploitation (CSE), and the coinciding ideological debates surrounding sexual commerce, few studies have examined the dynamics between and perspectives among coalition members. This paper aims to explore 1) coalition members' perspectives on religion, politics, feminism, sex trafficking/sex work, neoliberalism/neo-abolitionism and 2) the impacts of such perspectives on coalition members' anti-trafficking/CSE work. Drawing from a larger qualitative study, 24 in-depth semi-structured interviews were conducted with current and former coalition members in an urban Midwestern city. Findings suggest varied religious identities, which challenged some providers in coordinating services for the lesbian gay bisexual transgender queer/questioning (LGBTQ) community or women with a history of or considering abortions. Providers generally identified as democrat as well as feminist in some way, but had conflicting views of sexual commerce. These competing ideologies created challenges for cohesive coalition action. Consequently, it may be essential to facilitate intergroup dialogues addressing diverse perspectives, come to consensus on goals, or develop subgroup goals in order to create a functioning inter-agency response. Future studies should explore such dynamics across multiple coalitions nationwide and the impact such perspectives may have on survivors engaging in services.     

多元利益诉求下气象法的制度回应与选择

在气象利益分化的过程中,产生了多元利益诉求,气象服务也正逐步从单一的公益气象服务向多样化的气象服务转变。公益气象服务、专业气象服务和商业气象服务之间是互补基础上的竞争关系,且公益气象服务在竞争中往往处于劣势,缺乏竞争力。正在逐步形成的气象服务市场要求气象法必须及时做出回应,通过合理的制度设计来协调各种气象利益诉求,为实现气象资源利用公平、提高气象服务绩效提供可靠的制度保障。在制度设计上,应着重从气象公益与私益的明确界定、专业气象服务与商业气象服务的合法化设计、气象公益倾斜保护机制的构筑和市场竞争机制的引入等方面加以完善。     

中资大型银行投贷联动模式的探索

长期以来科创企业面临着“融资难”的问题,另外,金融新常态使银行传统盈利方式也受到挑战。于是,投贷联动作为解决这两大难题的一种创新金融模式应运而生。目前,投贷联动业务的模式主要有集团内部联动模式和外部机构“联盟式”联动模式两大类。中资大型银行可通过创建产业投资平台,利用政府资金和政策的引导,开拓银行内外资源优势,从而有效协调各机构联动,持续在科创企业的整个生命周期中提供相应投贷联动服务和完善投贷退出机制;同时,要理性开展投贷联动,科学隔离投贷风险,有效整合资源,客观评估优势。     

Nationalities,pedagogies and media

ABSTRACT

This article examines the implications of the language of ‘cultural diversity’ and ‘difference’ for syllabi, curricula and educators in academic institutions. The author suggests an intellectual orientation which moves away from the social vocabulary of ‘inclusion’ to that of ‘multivocality’. Such an approach requires an interdisciplinary model whose departure point anticipates the need to teach students the skills of interrogating the relationship between power and knowledge and the political implications of this link.

It is argued that such a perspective would encourage a more careful consideration of bibliography and presentations which take into account the complex diversity in the backgrounds of students — the target audience. This would simultaneously diffuse the tendency to depoliticize and domesticate race relations under the labels of ‘culture’ and ‘multiculturalism’ and require educators to assume that more than a few have family histories which mirror heterogeneity and pluralism. The embodiment of difference, however, may not always be visible. As a pedagogical strategy, thinking explicitly about the assumptions behind who, what and how one teaches will further the epistemological and political objective of educating students to develop informed opinions as well as help to cultivate a heightened sense of personal accountability to their responsibilities in the multiple communities to which they belong.     

我国商业银行个人理财业务问题探讨

随着我国经济的快速发展,国民收入水平不断提高,居民理财意识增强,与此相适应,商业银行的个人理财业务得到快速发展。本文结合目前商业银行个人理财业务发展现状,剖析其存在的问题,思考商业银行个人理财业务发展的对策。     

健康管理：医疗保险发展的助推器

我国医疗保险提高整体保障水平,受到人口老龄化进程加快、慢性病呈高发态势和商业健康保险低水平发展的制约。健康管理是应对这些问题的有效之策,它可以控制医疗保险基金支出,提高商业健康保险机构的市场竞争力,降低商业健康保险机构的运营风险。允许医疗保险机构使用城乡居民健康档案信息是健康管理在医疗保险中得以应用的基础。社会医疗保险中应用健康管理可以从对参保（合）人员定期体检人手以对疾病早发现早干预,将慢性病患者的治疗和基层卫生服务相结合来开展,同时由基层卫生服务机构有针对性地开展健康教育和健康干预;商业健康保险中应用健康管理,除“外包模式”外,亟待相关部门出台实施细则以推动“自营模式”和“共建模式”。     

试论利率市场化对商业银行综合经营的影响

2011年6月,央行宣布同时扩大存贷款利率浮动区间的上下限,7月进一步扩大了贷款利率的浮动下限,这表明我国利率市场化已进入实质性推动阶段。利率市场化会导致存贷利差收窄,挑战商业银行的盈利能力,迫使银行改变原有运营模式,加快综合经营发展步伐。结合我国银行业近年来综合经营发展历程,深入分析了非银行金融行业在利率市场化进程中将面临的机遇和挑战,以及商业银行开展综合经营对其化解利率市场化冲击的重要作用。     

论村镇银行运行中的法律风险及防控

自2006年银监会放宽了农村金融机构的准入条件以后,我国村镇银行迅速发展,为农村金融发展带来了巨大的机遇。但是,由于村镇银行在我国的发展时间较短,其运行机制和监管机制存在较大的漏洞,这就需要对村镇银行的定性及运营风险进行梳理,以期能够建立健全宏观调控机制,为村镇银行的进一步发展提供助力。