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．     

Rethinking the Porter Hypothesis: The Underappreciated Importance of Value Appropriation and Pollution Intensity

The impact of environmental regulation on the competitiveness of firms and industries remains a hot topic. Since the formulation of the Porter hypothesis, scholars from different research areas have tried to confirm or deny it. However, despite a vast literature engaging this debate, it remains unclear whether and under what conditions the hypothesis could be considered valid. We believe that this is due to the need to consider some additional factors. The aim of this review is to propose additional and significant themes, namely value appropriation and pollution intensity, to be considered when examining the impact of environmental regulation on the innovation and profitability of firms. Results show that the validity of the Porter hypothesis cannot be proved in any condition, but at the same time, there are additional factors that have a relevant influence on that construct, which can lead to a validation or rejection of the hypothesis.     

Why invest in North Korea? Chinese foreign direct investment in North Korea and its implications

North Korea has been regarded as the least likely place to attract foreign investors due to its poor infrastructure, policy reversals, and totalitarian regime. However, the recent growth of Chinese direct investment in North Korea has drawn much attention due to its implications for the North Korean economy and regional stability. This research provides an analytical framework by considering two fundamental issues that any foreign investor takes into account when making an investment decision: property rights protection and profitability. It examines how recent changes have influenced these two issues, which, in turn, shaped the incentive structure of Chinese private investors.     

转轨经济条件下的全能银行与公司治理

当前关于建立全能银行,实行混业经营,国内外讨论了很多。本文试从一个新的角度来说明建立全能银行的重要性。本文首先考察了在转轨经济条件下,单纯通过股权和债务融资对于公司治理的低效率,进而分析了在转轨经济条件下,全能银行在公司治理中的重要作用。通过两者对比,说明了建立全能银行的重要性。     

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。     

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.     

澳门商业银行法律制度初探

本文根据现行法律,对澳门商业银行立法、业务范围、设立的条件与程序、商业银行的监督管理等基本问题进行了分析和探讨,     

美国银行对客户信息保密制度研究

本文以研究美国有关的判例法为主,分析了美国银行对客户信息保密的法律制度;银行对客户信息保密义务的性质和法理基础、银行保密义务的适用范围、宪法对银行保密的限制以及银行保密义务与信息披露义务的冲突,尤其就上述四个方面美国已经取得的经验和存在的分歧进行了深入的探讨。     

当前银行卡违法犯罪的新特点

当前,银行卡违法犯罪对社会的危害越来越严重,犯罪手段呈现多样化趋势,综合起来可归纳为银行卡盗刷、银行卡伪造、银行卡恶意套现三大类。银行卡违法犯罪新特点是:以盗卡号为目的的犯罪手段多样化,不断翻新,防不胜防;采用高科技手段,犯罪手法趋向智能化;借助互联网盗取银行卡资金,并在网上消费或洗钱;利用异地取现,雇佣取现,团伙和网络虚拟团伙作案;利用信用卡大量恶意违规套现。面对新的银行卡违法犯罪活动,持卡人、银行、银监局以及公安机关等部门,都应该从各自的职责范围内防范银行卡诈骗行为,共同营造良好的金融环境。