我国商业银行个人理财业务发展中的问题和对策

随着中国经济的快速持续发展,居民收入大幅增加,我国个人理财业务发展前景十分广阔。目前中国理财市场处于从无序竞争向规范化发展的转折时期,受相关政策的制约及市场定位不明确、创新意识不足等因素的影响,个人理财业务发展严重落后。因此,商业银行应通过积极加强理财队伍建设,明确市场细分,加强市场营销来促进个人理财业务的发展,这对于我国商业银行今后的发展壮大有十分重要的意义。     

我国商业银行信用风险及对策

银行信用风险是当前中国商业银行面临的主要风险,也是造成商业银行大量坏账的重要原因.近年来,我国正加大对银行坏账的整治力度,并采用各种措施降低商业银行不良资产的比例.以银行信用风险管理为切入点,对中国商业银行信用风险管理存在的问题进行探讨,有助于完善我国的商业银行管理体制.     

历史与逻辑统一的法理叙事——评《西方法理思想的逻辑演变》

万斌和陈柳裕的著作《西方法理思想的逻辑演变》采用了历史与逻辑相统一的方法研究西方法理学。在该著作中,作者提出从主观主义和客观主义的视角理解西方法理学的历史发展,回答了西方法理学中法律的"规律"、"意志"和"功能"等问题,并且对20世纪西方法理学的多元化发展趋势进行评述。总之,该著作将西方法理思想在一个全新的理论框架下予以整合,为读者提供了一幅西方法理思想演进的历史图景。     

On Individual Business System in Normal Market

Individual business is a business entity system created in the practice of reform and opening up in China. It is the largest market entity in China, and its vitality lies in the "family culture" characteristics of Chinese society. Although individual businesses have been confirmed by law at all levels, they still have transitional and non-normative doubts. In some places, individual businesses have been transformed into enterprises. Individual businesses take advantage of the natural credit bond, low cost of organization and coordination, and are targeted to meet the needs of the market, which is conducive to absorbing employment and balancing wealth, easy to disperse and digest business risks, and has a competitive advantage in the low-end market. In a normal market, the rational choice of the parties concerned should be respected, the hierarchical structure of the market should be adapted, the complete ecology of market subjects should be maintained, and the reform of individual enterprises should be prudently implemented.     

论商事仲裁的性质与仲裁员的权力义务

商事仲裁兼具契约性和司法性,商事仲裁员既是民间法官又是服务提供者。作为民间法官,为完成其裁判争议的职能,仲裁员应当享有一系列与法官相同或类似的权力。同时,无论是作为民间法官还是服务提供者,仲裁员又负有一系列约定或法定的义务。     

生态资本主义是否可能？——兼论资本与生态相统一的制度基础

生态资本主义是当前西方学界的一个重要理论学派,其部分理论观点对于我们推进生态文明建设具有借鉴意义。但它将生态危机的出路归结于“市场主义”和“技术主义”,并以当下资本主义世界的生态状况来佐证资本与生态相统一现实可能的运思路径和核心观点,忽视了资本对全球生态资源盘剥的历史与资本主义国家转嫁生态危机的现实,没有洞悉到资本和资本主义制度反生态本质。资本主义私有制及生产方式所产生的资本逻辑,总是在最大化“不费分文”侵占自然。在社会主义制度下,只有通过对资本的驾驭和导控,激活资本的生态活力,才有实现资本与生态相统一的可能。     

预售商品房按揭法律问题研究

本文通过研究国内按揭的内涵,对涉及按揭性质的抵押说、质押说、让与担保说提出了异议,从而将预售商品房按揭界定为一种新型的物的担保方式,并经过分析按揭中存在的风险,提出了完善我国按揭制度的法律构想。     

经济发展方式转变的数理逻辑与系统思考

本文围绕加快转变经济发展方式是我国当前经济工作的紧迫任务、科技进步促进经济发展方式转变的历史回顾、科技创新优化经济发展方式的现实比较、经济发展方式转变的数理逻辑与阶段特征和加快我国区域经济发展方式转变的路径选择等方面对转变经济发展方式问题进行了分析,并探讨了我国当前区域经济发展的阶段性特征及其发展规律。     

商业秘密犯罪抗制对策论略

在日益发达的经济全球化的信息时代,侵犯商业秘密犯罪正如附生于经济体的“毒瘤”,吞噬着商事企业的健康活力。2009年的“力拓案”让国人对侵犯商业秘密犯罪危害的认识更深了一层,中国此类犯罪的猖獗令人再度警觉。在全球范围内,侵害商业秘密犯罪形势也不容乐观,美德日等国的“商业间谍”屡屡兴风作浪,给全球经济的健康发展造成巨大危害。各国都力图通过一些法律来遏制此类犯罪,中国也应从着手从立法、司法、行政管理、企业管理制度、商业伦理、传统文化等多重层面入手,来构建系统的侵犯商业秘密犯罪的抗制对策体系。     

Progressing with the reform and opening up: Retrospective of China’s civil law (1978–2008)

Over the past 30 years, Chinese civil and commercial law has made great achievements in providing theoretical support for Chinese legislation, establishing a theoretical system of civil and commercial law with Chinese characteristics, conducting in-depth and comparative research in this field, and making many summaries of trial practices, judicial interpretations and case studies of civil and commercial affairs. The academic circle has expressed professional comments regarding public events. The major theoretical breakthroughs include the clarification of the relationship between civil law and economic law, further research on the civil code system, basic consensus on the integration of civil law and commercial law, formation of the theoretical system of property right law with Chinese characteristics, innovation and development of contract law theories, basic information of personality law theories, and formation of the theoretical system of tort law. The orientation of Chinese civil and commercial law is to enhance comparative research on civil and commercial law nationally and internationally, focusing on the diversity of research methodologies.