商业银行个人金融服务的国际比较

目前,我国商业银行以代发工资、代收费等业务为突破口,已开发了近40个品种的个人金融服务业务。谁能提供更快捷、方便的金融服务,谁就会拥有更多的客户。进一步的对外开放,个人金融服务的巨大市场是中外银行竞争的焦点。个人金融服务市场从以往简单地通过银行储蓄存款获得利息并保障安全,已跳跃到支付结算、外汇买卖、临时透支、贷款融资、经营投资和综合理财等全方位、多层次的服务。这些对国内各家商业银行拓展个人金融服务提出了巨大的机遇和挑战。     

商业银行发展中间业务的思考

中间业务以其风险小、收益高的优点受到各国银行的青睐,尤其是在发达国家,已成为发达国家建设银行收入和利润的主要来源。建设银行大力推进和发展中间业务商业银行加快体制改革步伐、增强国际竞争力尤为重要。现针对商业银行发展中间业务的必要性及发展现状和发展前景等方面进行初步探讨。对于国内外先进银行经验加快发展商业银行中间业务的步伐,加快建设银行战略转型、改变业务发展方式,向现代化经营模式的转变。     

我国金融支持农业发展的思考

金融促进农业发展，中国社会主义新农村建设离不开金融。由于城乡二元经济结构形成的城乡发展差距、农村信贷制度、统一标准的金融监管、支农资金风险高等原因，国家金融支持农业发展的力度不够，资金供给方向边缘化，农村金融主体自身服务与创新能力不足，民间信贷活跃但弊端多，农村金融服务和管理人才缺乏。提出要加强金融服务创新，优化农村金融服务，通过加强财政政策调控进一步促进农村发展；要根据农业贷款的特点，建立农业风险补偿机制，以降低和减少支农资金的风险和损失和促进信贷；同时完善《担保法》法规，加强农村金融管理和服务人才队伍建设，使金融更好地支持农业发展。     

河南省工业自主创新能力的演进及其结构性分析

自主创新能力是技术能力演进的高级阶段，而技术学习是技术能力积累的前提。河南省工业在总量上保持了较快的增长势头，技术进步的作用日益明显，但在技术引进的消化吸收、技术创新环境、技术创新资源以及技术创新活动和产出方面表现出较强的不对称性。     

重庆市培育金融核心区：布局、路径与对策

金融核心区的培育是提升重庆金融集聚力和辐射力以及构建长江上游地区金融中心的关键因素.在审视金融核心区的概念、内涵和重庆市培育金融核心区的必要性、可能性基础上,运用大系统分析方法的原理,提出重庆金融核心区的规划布局和总体思路;基于产业集群理论探讨重庆金融核心区的培育路径与对策.研究认为,培育重庆金融核心区,要在运筹高端金融商务发展体系、夯实现代金融业发展平台、拓展金融业发展空间等三个方面合理布局金融产业,促进形成金融业产业集群,并优化金融生态环境和金融主体结构、强化金融资源共享和政府公共服务职能.     

民主与法治：财政支出监督中的问题与对策

财政支出的监督是宪法和法律规定的一项重要的法律制度，监督是财政得以正确实施的保护伞。文章分析了当前我国财政监督法律制度的缺失，提出相应的对策，阐明了财政支出监督的重要性和紧迫性。     

对北光集团加强子公司财务管理的案例分析

随着市场经济的建立与发展,企业所有制形式和组织结构发生了巨大的变化,特别是规模化企业集团得到了迅猛发展。近年来,在企业集团的各子公司财务管理中发现了一些不容忽视的问题,本文从北光集团的实际情况出发,分析了目前北光集团对子公司实施财务管理中的成绩及不足,并提出了北光集团加强对子公司财务管理的改进措施。     

Financial manager's perception of rural household Economie Well-Being: Development and testing of a composite measure

An index of Perceived Economic Well-Being is constructed using factor analysis and tested for reliability and validity. The index is composed of (a) perceived income adequacy, and satisfaction with (b) current total household income, (c) amount of money your family is able to save, (d) amount of current debt, (e) level of consumption, (f) amount of household net worth, and (g) resources available to meet a financial emergency. The index is used in regression analysis. Results show that financial managers perceive economic well-being more favorably if they are more satisfied with resources and with the current level of living, view the present financial situation as better compared to 5 years ago, save on a regular basis for goal(s), and have a higher income. Financial managers who report more frequent financial problems, worry more about where money would come from to pay bills, and more frequently make only minimum payments on charge accounts perceive economic well-being less favorably.Preparation of this research was supported in part by the Illinois Agricultural Experiment Station. Data were collected in conjunction with the cooperative regional research project NC-182, Family Resource Utilization as a Factor in Determining Economic Well-Being of Rural Families. Cooperating states are Arizona, California, Illinois, Indiana, Iowa, Kansas, Michigan, and Minnesota.He received his Ph.D. from the University of Illinois in 1991 with Dr. Fitzsimmons as advisor. His current research interest is economic well-being.She received her Ph.D. from the University of Illinois; her current research interests include gender roles, family financial management, and economic well-being.     

Financial management: Development of scales

This study is a contribution to the development of family resource management scales, specifically financial management scales. Principal axis factor analysis, with varimax rotation, is used to assess underlying relationships in 23 family resource management variables related to time and money resources. Reliability and content, construct, and criterion-related validity of the scales are assessed. Two scales that are reliable and have some degree of validity are developed: frequency of financial problems and frequency of financial management. The scales could be used in future research, teaching, or counseling to organize financial management concepts.Preparation of this research was supported in part by the Illinois Agricultural Experiment Station. Data were collected in conjunction with the cooperative regional research project NC-182, Family Resource Utilization as a Factor in Determining Economic Well-Being of Rural Families. Cooperating states are Arizona, California, Illinois, Indiana, Iowa, Kansas, Michigan, and Minnesota.She received her Ph.D. from the University of Illinois; her current research interests include gender roles, family financial management, and economic well-being.Her current research interests include family financial management and consumer bankruptcy. She received her Ph.D. from the University of Missouri.Her current research interests include the economic well-being of various family forms. She received her Ph.D. from the University of Illinois.She received her Ph.D. from the University of Illinois. Her research interests are economic well-being and quality of life.     

Factors associated with expectation of household's future financial condition

Path analysis is used to examine the causal relationships among selected objective and subjective factors associated with a household's expectation of future financial condition. Results indicate that respondents who perceive the effect of changes in the external environment on their own household's financial condition as positive are younger, have higher net worth, perceive more internal control over their situation, and report that most of the changes in the external environment are positive. Respondents who are younger, have higher income, perceive more internal control over their situation, and believe the effect of changes in the external environment on their household's financial condition are positive are more likely to be optimistic about their financial future. It is important that educators and financial advisors recognize the significant role perception of being in control plays in determining expectations of future financial condition.Journal Paper No. J-15256 of the Iowa Agriculture and Home Economics Experiment Station, Project No. 2809. Data were collected in conjunction with the cooperative regional research project NC-182, Family Resource Utilization as a Factor in Determining Economic Well-Being of Rural Families. Cooperating states are Arizona, California, Illinois, Indiana, Iowa, Kansas, Michigan, and Minnesota.Her current research interests include family financial management and consumer bankruptcy; she received her Ph.D. from the University of Missouri.She received her Ph.D. from the University of Illinois; her current research interests include gender roles, family financial management, and economic well-being.She received her Ph.D. from the University of Illinois. Her research interests are economic well-being and quality of life.Her current research interests include the economic well-being of various family forms. She received her Ph.D. from the University of Illinois.