我国商业银行个人理财业务探析

个人理财业务为商业银行带来新的利润增长点,有利于改善商业银行资产负债结构发展个人理财业务是更好应对外资银行进入挑战的必然选择。我国商业银行发展个人理财业务必须加强对居民理财意识的教育,加快差异化产品和服务的开发,加强客户经理队伍建设,切实提高营销水平,缺乏严谨、高效的业务管理机制,给予个人理财业务政策扶持,建立个人信用体系。     

浅析人文关怀在商业广告创意中的运用

人文关怀在商业广告创意中获得了广泛的运用。但在具体实施过程中,有一些理论和实践上的问题需要进一步理顺。首先,要以市场调查为基础,确保人文关怀更到位;其次,要以不同的角度为视点,确保人文关怀更精准。     

对影响我国零售商业景气波动外在因素的定量分析

我国零售商业景气波动的特征是错综复杂的,这一现象的出现,是多种因素相互作用、共同影响的 结果。从影响我国零售商业景气波动的诸多外部因素入手,对其进行定性、定量研究,并以此为依据,对零 售商业景气波动开展科学的监测预警和调节控制,是十分必要的。     

我国信贷传导渠道受阻的原因分析及对策建议

造成信贷传导渠道日趋萎缩的主要原因有二:一是巨大存差的存在;二是资金分布的结构性矛盾。要从根本上解决该问题,政府相关部门、中央银行和商业银行应相互协调,促使信贷传导渠道的疏通。     

Gauging the interests of birth mother and child: a qualitative study of Swedish social workers’ experiences of transnational gestational surrogacy

There are few studies on how social workers deal with cases regarding transnational surrogacy. Our study intends to contribute to filling this gap. In Sweden, surrogacy as an assisted reproductive technology method is not permitted. As a result, many prospective parents have turned abroad, mainly to India, for surrogacy. There are no laws regulating surrogacy in Sweden, and difficulties have arisen in establishing legal parenthood when the parents return with the child. This qualitative interview study with social workers found that legal uncertainty and ethical issues surrounded their handling. With no guidelines, the constructions of parenthood will continue to depend on individual social workers’ conflicting views on how to best meet the surrogate mother’s interest and the best interest of the child. Regulation is thus needed to better protect those involved and minimize the contingent aspects of legal handling by individual officials.     

Impacts of HIV/AIDS on poor and socially marginalised former commercial plasma donors in rural central China: social work implications

Little is known about the impact of HIV/AIDS on people who acquired the virus through former commercial plasma donations in the mid-1990s in rural Central China. The objective of this study was to examine socioeconomic impacts associated with HIV/AIDS on poor farm workers and their families, with a particular focus on economic hardships and social exclusion. The findings from 30 interviews reveal the profound effects of deteriorating health on labour power loss. The well-being of people living with HIV/AIDS was immensely affected by the loss of income, debts due to health-related expenses and a lack of alternate sources of income. Social exclusion and HIV/AIDS-related stigma remain significant issues in a workplace, funerals, and weddings. This article highlights the economic impacts of HIV/AIDS on China’s rural population and provides recommendations for social workers to mitigate the impacts of social exclusion on vulnerable rural households in China.     

Understanding the needs of LGBTQ clients and their risk for commercial sexual exploitation: Training community mental health workers

Training on commercial sexual exploitation (CSE) and victimization of lesbian, gay, bisexual, transgender, and queer (LGBTQ) youths can increase awareness among professionals who provide services to this community. This study evaluated the effectiveness of a community-based training program geared toward mental health workers in a diverse metropolitan city. The training provided information about the continuum of sexuality and gender identity, sensitivity when working with LGBTQ clients, LGBTQ clients’ risks for CSE, and ways to improve service delivery to this population. Participants’ (N?=?64) knowledge level of these areas was examined prior to the training, immediately thereafter, and in a six-month follow-up. Participants showed an increase in knowledge from pretest to posttest. Follow-up testing on a limited sample revealed scores that were lower than posttest scores, but higher than pretest scores. Overall, through this community-based training, participants gained knowledge about the continuum of sexual and gender identity, appropriate service delivery when working with LGBTQ individuals, and the risk factors for CSE for LGBTQ youths. Participants also reported feeling satisfied with the training approach and format. Implications for future training to enhance mental health workers’ competence with LGBTQ victims of sexual exploitation are explored.     

对商业银行市场化经营的法理思考--基于对农村金融体制的改革考察

我国商业银行的改革发展之路,是一个对市场化经营目标不懈追求的过程。但商业银行的市场化改革导致其“逃离”农村,进而造成农村金融资源供给不足。原因在于对商业银行进行市场化改革的进程中,忽略了相关激励、约束机制的培育,从而导致国家对农村金融宏观调控能力的弱化。完善商业银行法律制度,强化国家的宏观调控能力,是解决当前农村金融问题的关键所在。     

国有商业银行人才机制定位与改革路径取向

近年来,我国国有商业银行在人力资本管理、绩效考核、薪酬管理、激励约束制度等方面的改革取得了初步的成效,但仍存在许多问题。如何进一步健全国有商业银行人才机制,对于促进我国国有商业银行人力资源管理水平和人才国际竞争能力的提高,有着极其重要的意义。     

商业银行服务类中间业务定价策略思考

随着银行改革的深入,银行利用自己的信息、技术等优势提供市场的中间金融服务也越多,但银行对这些服务如何收费,成为银行和金融消费者关注的问题。文章对银行服务类收费策略作了一定的探讨。