银行业职务犯罪控制对策研究

银行业职务犯罪对银行安全构成威胁,成为银行改革和发展的障碍。近来,银行业重大案件频发,给我国银行业的声誉带来不良的影响,究其原因,在于缺乏系统的控制。若以道德控制、制度控制和法律控制作为系统控制论的一种设想,在实践中将对银行业职务犯罪控制有所裨益。     

中国入世与国有商业银行监管法律制度

文章对我国现有的国有银行监管体制进行了评价分析 ,并对如何完善监管制度提出了思考 :健全监督法规 ;选择有效监管模式 ;加强对内部控制机制的监管 ;强化外部审计。     

宁夏沿黄城市群的同城化构想——解读宁夏打造“黄河金岸”发展战略

同城化是城市现代化发展的新趋势，是城市群、城市圈发展过程中的一种特殊形式。同城化是当前城市在发展中迫切需要研究的一个重大课题，既具有理论意义又有指导价值。同城化构想的规划，将进一步加快宁夏区域经济社会一体化发展的进程．     

Falling into the justice gap? Between duties of social and global justice

The literature on cosmopolitan justice has yet to address what principles to adopt when duties of global justice and duties of social justice are in conflict. In this paper, I address David Miller’s contention that some may fall into the justice gap since we need to prioritize duties of social justice in cases of conflict. I argue that Miller’s analysis depends on three stipulations: the incommensurability of the values underlying duties of social justice and those of global justice; the need to justify duties of justice to their holders; and the need to consider the necessary institutions to realize and implement justice obligations. I argue against the incommensurability clause by showing that both conceptions of justice pursue moral equality as the underlying and commensurate value. Instead, I propose that the currencies of justice we employ in the two contexts of justice are different. Discussing the justifiability clause I agree with the stipulation that we have to justify decisions that affect the realization of justice to those who have to carry the burden of realizing them. This implies, however, that we may have to accept that some prioritize duties of global justice over duties of social justice. If this is the case, it seems as though the state has little recourse to prioritize duties of social justice. Finally, discussing Miller’s institutional clause I ask why the justice relevant institutions can only be those of the state. It is plausible to say that in our current world, institutions of humanitarian aid are effective means to satisfy duties of global justice.     

商业银行理财产品若干法律问题探讨

在当前的金融危机中,商业银行理财业务中出现了越来越多的法律纠纷,急需对当事人之间的权利义务和责任风险进行明确划分和适当分配。从法学的角度来看,商业银行理财产品可以分为四类,其中最重要的是非保本浮动收益理财产品,该产品的各方当事人之间是一种信托法律关系。对理财产品应实行"监管分业,产品混业"的管理制度,理财产品的品种不宜过多,应推出标准化的理财产品。银行在理财合同中设定的终止区间,侵害了投资者的合法权益,应认定是无效的。在理财产品的质押问题上,应通过行政法规来弥补《物权法》的不足。在理财产品的诉讼中,只有在银行有过失的情况下,才对理财产品的亏损承担赔偿责任。我国应修改《商业银行法》,将理财业务纳入该法的调整范围。     

关于船舶碰撞若干问题的思考——评《最高人民法院关于审理船舶碰撞纠纷案件若干问题的规定》

就《最高人民法院关于审理船舶碰撞纠纷案件若干问题的规定》所涉及的一些问题进行讨论,包括船舶碰撞的责任主体、货物索赔的责任、比例责任的适用、碰撞产生的限制性债权等,指出该规定的一些内容不仅没有很好地解决司法实践中已经存在的一些老问题,而且还在一些方面带来若干令人困惑的新问题。     

Does regulating remuneration affect the market value of European Union banks? Large versus small/medium sized banks

The aim of this paper was to analyze equity market reactions to the mandatory European Union regulation of remuneration policies in financial institutions. Using event study methodology, we investigated market reactions to the first European Directive on compensation policies after the financial crisis using a sample of 124 banks operating in the European Union. We divided the sample into two groups according to bank size considering four criteria: the US Dodd‐Frank Act 2010, the Liikanen Report 2012, Global Systemically Important Banks 2011, and the European Central Bank 2014. We found strong evidence of an average negative market reaction to compensation regulation. Moreover, this negative reaction is stronger for large banks than for small/medium sized banks.     

论发展我国国有商业银行表外业务的对策

我国国有商业银行表外业务发展缓慢的主要原因有：银行业分业管理的体制约束,经营环境的约束,银行体制改革滞后,经营理念陈旧以及专业人才和技术缺乏。为促进我国国有商业银行表外业务健康和快速的发展,应加快完善产权结构,实行适度混业经营,树立现代多元化经营理念,做好整体发展规划,提高整体营销水平,健全风险防范机制,加大人才培养与技术支持力度。     

Xenophobic violence and the ambivalence of citizenship in post-apartheid South Africa

This essay examines the way that the language of rights has been used to both justify and challenge xenophobia in South Africa. South Africa has struggled with incidents of xenophobic violence against African migrants, with major outbreaks of violence taking place in 2008 and in 2015, and despite substantial anti-xenophobia efforts, African migrants continue to be subject to discrimination and abuse. Part of the reason for the persistence of anti-African migrant sentiment is a prevailing rhetoric of victimization, which frames irregular African migrants as a threat to the rights of South Africa’s poor. This essay analyzes that rhetoric, as well as analyzing how a grassroots movement of shackdwellers, Abhlali baseMjondolo, has challenged that rhetoric by highlighting the interconnection between the rights of citizens and noncitizens in the country. In examining the contestation over rights in South Africa, this essay seeks to engage with the ambivalence of citizenship in South Africa and the conflict between the human rights framework that has been established in the country and the necessary limitation of the rights of noncitizens.     

A perception of motorcycle insurance in Nigeria

The purpose of this paper is to find out people＇s perception of motorcycle insurance while comparing the perceptions of insurance companies＇ staff with that of their customers （the motorcyclists）, and also find out the major causes of motorcycle accidents in Nigeria. A total of 140 respondents were sampled using the questionnaire. The kolmogorov smirnov test was used to test the hypothesis. Findings show a general negative perception of insurance services by the motorcyclist and a large disparity in the responses of the motorcyclists and the insurance companies＇ staff. The major causes of motorcycle accidents are also found to be over speeding, carelessness and poor driving skills.