'Good Governance': The Rise and Decline of a Policy Metaphor?

This study aims to explore the conditions under which the criterion of 'good governance' first became adopted as a donor policy metaphor and now seems likely to get eclipsed. Why did it emerge at the time it did, and what, since then, has been its track record? Particular attention will be given in this regard to successive shifts in the relevant policy thinking within the World Bank. Moreover, the study discusses whether good governance is likely to keep drawing the same level of attention as it has done hitherto.     

Potential,freedom and space: reflections on Agamben’s potentialities in the West Bank

A special kind of infrastructure has emerged around the West Bank, which lays bare Israel's capacity to spatialise its colonial power and to constantly solidify its presence. Reading these spatial devices through Agamben's work, this paper proposes a reflective attempt to read this site of contemporary occupation through a “resistant” lens as a novel take on Agamben's spatial topology and political aesthetics. The paper offers preliminary remarks on the search for alternative theoretical construction of Agamben “potentialities”. The paper allow speculations on the heterotopian nature of Israeli produced infrastructures, perceived at once as actualised potentials in space, and spaces of potential.     

The South African National Credit Act fails to protect homeowners against various interest rates hikes

Where a credit provider makes a proper financial assessment and finds that the low-income consumer will be able to satisfy in a timely manner all the obligations under all the credit agreements to which the consumer is a party he will in all probability conclude the credit agreement with the consumer. Obviously the affordability assessment made by the credit provider will depend on the prevailing interest rates at the time. There has been several interest rate hikes since June 2006 to December 2008 in South Africa that has had a detrimental impact on low-income home owners. Due to the various interest rate hikes and the prevailing high interest rates many consumers have lost their mortgaged homes. The South African National Credit Act of 2005 has failed to take into its purview cases such as these, and as a consequence there is no sort of consumer protection available for the low-income group who become over-indebted, because of the constant rising interest rates on their mortgage loans.     

金融市场的开放及我国银行法的完善

入世意味着我国服务贸易市场的全面开放 ,特别是中美协定为我国金融业开放提出了期限。我们根据WTO规则及国际惯例 ,检讨了我国现行银行法的缺陷 ,并提出了放宽内资银行的经营范围 ,树立混业经营的长期目标 ,鼓励内资银行拓展海外业务及加强对外资银行有效监管等完善措施。     

外汇储备注资国有商业银行的法律分析--兼谈政府参与经济活动之法观念

20 0 4年 1月 6日 ,国务院宣布动用 4 5 0亿美元外汇储备资金注资中国银行和中国建设银行 ,但这明显与《中国人民银行法》、《公司法》及其他法律与规则存在直接冲突。文章在对外汇储备注资国有商业银行行为进行检讨的基础上 ,阐述政府在参与经济活动中理应树立“角色不得错位、利益不得冲突、人人可 (被 )问责”的法观念 ,真正依法行政 ,以此促进我国市场经济体制的完善和法治建设的发展     

个人理财业务发展存在的问题及对策

目前,个人理财业务在我国尚处于起步阶段,但市场前景十分广阔。各家商业银行应积极付诸行动,针对其发展中存在的同质化、定位高、缺乏高素质人才等问题,大力发展品牌化服务,创新服务渠道,开展个性化服务,积极培训理财人员,以促进个人理财业务发展。     

Between competition and centralization: the new infrastructures of European finance

Ongoing European financial market integration relies on the creation of harmonized and centralized market infrastructures: the little-known institutions and systems that settle financial transactions across borders. Since the constitutional conception of market integration within the EU entails creating ‘a level playing field’ for competition, a fundamental problem emerges of how to provide that centralization and harmonization without violating the core principles of an open market economy either through private monopolization or public privatization. The paper presents a socio-technological study of a recent major infrastructure initiative by the European Central Bank, called Target2 Securities (T2S). Embedding the analysis of the struggles and debates around the birth and development of T2S in an analysis of the structural problem of competition and centralization in European financial market integration, the paper suggests an alternative perspective to that of performativity currently dominating the research field.     

商业银行应对利率市场化探析

由于受利率市场化影响,我国商业银行信贷经营面临资产重新定价的问题,要加强资金头寸管理和利率缺口管理,进一步规范金融同业竞争秩序。商业银行应对利率市场化的对策主要是建立高效的现代利率管理机制,建立科学合理的本外币存贷款定价机制,加大中间业务和金融产品创新力度,建立完善的利率风险内控机制,积极推行资产证券化业务。     

跨国银行业并购对我国银行业发展的影响

自2000年以来,第五次并购浪潮的并购热点行业发生了转移,金融行业逐步成为全球并购市场的热点行业。国际间银行大规模并购的原因是多方面的。随着我国政策的改变,参股、控股中资银行已成为外资银行占领中国市场的重要手段。而以外资并购带动国内金融业改革发展,是亚洲金融危机后周边国家经济复苏的痛苦历程得来的宝贵经验。国际银行间的并购(包括对我国银行的并购)对我国商业银行的影响是十分大的,我国银行业需要采取措施以迎接这种挑战。