情感资本与内部营销

面对经营环境的急剧变迁 ,人力资本已成为国际银行业在市场竞争中取胜的关键要素。完整的人力资本应既包括智力资本 ,也包括情感资本 ;然而 ,许多大银行始终对情感资本不够重视。深入地分析了情感资本在迎接新的市场挑战中所能扮演的重要角色 ,并阐述了内部营销这一激励员工支持组织目标的重要法宝的基本原则     

论投资银行业务的国际化及我国的对策

通过研究当前全球范围投资银行业务国际化的特征 ,分析其形成的历史因素和发展前景 ,并根据我国投资银行业的现状提出相应对策     

影子价格及其在资源配置中的应用

根据线性规划的对偶原理,论述了影子价格的经济意义,纠正了将对偶变量解释为“影子利润”的观点,分析了影响影子价格的因素,指出了影子价格在资源配置中的作用。     

商业银行资本充足率的信息甄别与选择

对商业银行资本充足率的要求已经成为银行监管体系的核心。目前,世界上许多国家和地区都在遵守《巴塞尔协议》规定的资本充足率不低于8%的标准,但这个统一标准忽视了个体差异,显得不尽合理。与现有文献的分析角度不同,本文重点研究了监管部门制定该标准的信息甄别问题,并指出监管部门的监管水平与最低资本充足率要求之间存在一定的替代关系。基于数理模型推导,本文又利用数值分析的方法,对模型的结果给出直观的经济解释。最后文中对一百多个国家和地区的实证分析结果也支持了本文模型的推断。     

我国银行操作风险的分形特征

本文基于分形理论和经济弹性概念,在分析银行操作风险影响因素中引入GDP和CPI,给出了银行操作风险的弹性分维的定义,并计算了中美两国操作风险的弹性分维。中美操作风险损失数据分析结果表明,中美两国的操作风险在GDP和CPI作用下都显示出明显的多重分形特征。同时根据分维,可以得到我国数据收集的阈值,从而能够降低采集数据的难度,有利于商业银行的宏观分析和监管。本文并对模型的预测功能进行了初步探讨,对于估计我国银行操作风险的预期损失提供了进一步研究的新思路。     

广东省银行业目前存在的问题与对策研究

分析了广东省银行业目前存在的主要问题,指出其根本原因是广东金融生态环境失衡,进而从信用环境、中介服务环境、政策环境、法律制度环境等角度提出优化广东金融生态环境,加快发展广东省银行业的政策措施。     

The role of corporate social responsibility in online identity construction: An analysis of Turkey's banking sector

This study focuses on Turkey's banking sector and investigates the role of public relations and corporate social responsibility practices in constructing organizational identities through a thematic content analysis of banks’ corporate websites. Based on social identity theory, the research reveals that regardless of its core business function, an organization must communicate non-economic social concerns to construct a public identity and gain legitimacy.     

Distribution of cost inefficiency in stochastic frontier approach: evidence from Spanish banking

The aim of the paper is to demonstrate the appropriateness of an a priori analysis to determine the distributional assumption of the inefficiency term in a stochastic frontier model. To this end, theoretical distributions of estimated inefficiency were obtained when the inefficiency term is assumed to be distributed as a half normal and an exponential in a cost frontier model. Comparisons of such theoretical distributions with the respective cost inefficiency estimators using the goodness of fit test allow selecting the most appropriate distributional assumption. The application on three data sets of Spanish banking system in 2009 demonstrated the relevance of the research question. First, the results of estimated cost inefficiency with a half normal assumption are larger than with an exponential distribution significantly. Besides, half normal assumption was rejected and exponential was not rejected as the most appropriate distribution of inefficiency term in Spanish banking data set. However, the adjustment of saving banks data had been better with the former distribution than the latter. In the case of banks, any distribution results appropriate. To sum up, this work demonstrate that the distributional assumption on inefficiency term in Stochastic Frontier Approach must be established in a justified way, as it can significantly bias the results of estimated inefficiency and therefore, influences improving policies and strategies in the Spanish banking sector.     

网上银行服务质量对再次使用行为的影响研究

为探讨消费者感知网上银行服务质量对其再次使用行为的影响,基于自助式服务质量评价模型和技术接受模型,构建了网上银行服务质量对再次使用行为影响的结构模型,并通过调查问卷获取消费者行为数据。研究表明,网上银行服务质量对用户再次使用行为有直接的显著正向影响;用户对网上银行的感知风险对再次使用行为有显著的负向影响;同时,网上银行服务质量可通过满意度对再次使用行为产生间接的显著正向影响。     

跨境资本流动、债务杠杆与银行经营绩效

选取2010-2020年中国126家商业银行年度数据,实证检验了跨境资本流动对银行经营绩效的影响及其作用机制,研究表明：跨境资本流动对银行经营绩效具有抑制作用;相对于国有银行、股份制银行及低杠杆率银行,跨境资本流动对城农商行及高杠杆率银行经营绩效的抑制力度更大;债务杠杆在跨境资本流动与银行经营绩效的关系中起着中介作用,...