对银行保密法律问题探讨

文章通过对我国银行保密法律制度的分析,指出对其立法中的优越之处应予继承,即对个人与单位分别运用不同的保密规定,从个人隐私、商业秘密和国家秘密三方面对银行客户的秘密进行全面的保护,同时结合保密制度发展趋势,提出相关立法建议。     

城市商业银行国际化问题初探

近几年来,部分城市商业银行进行了积极的国际化探索。城市商业银行国际化的主要途径是:开拓多元化的银行国际业务,积极吸引外资参、控股,建立国际化的银行机构网络体系,运用现代化的银行国际服务手段和科学的银行国际管理办法。     

试论投资银行在企业并购中的作用

在世界企业并购浪潮一浪高过一浪之时 ,我国的企业并购仍在蹒跚学步 ,对投资银行在企业并购中的认识微乎其微。鉴于此 ,我们从投资银行业务入手 ,说明并购业务是投资银行的核心业务 ,重点论述投资银行在企业并购中的作用 ,并通过对中国宏观、微观经济环境的分析 ,提出相应的政策建议。     

银行保险经营效应的国外实证研究文献综述

国外的研究机构和学者在对银行保险开展理论研究的同时，从风险分散效应、财富效应等多方面对银行保险进行了实证研究。由于不同研究所选择的样本期和研究方法不同，结论也不尽相同，但大部分实证研究对于银行保险的正面效应给予了支持。     

The effect of ECB communication on interest rates: An assessment

This paper reviews the literature on the communication policy of the European Central Bank (ECB) addressing two questions. First, to what extent has ECB communication affected interest rates? Second, to what extent has ECB communication affected the predictability of the ECB’s interest rate decisions? On the basis of a survey of empirical studies, it is concluded that various forms of ECB communication lead to more volatility. However, studies focusing on volatility cannot assess whether markets moved in the intended direction. To analyze whether this is the case, researchers have coded ECB communications. Studies using this approach yield evidence that communications generally move financial markets in the intended direction. There is also substantive evidence that ECB communications increase the predictability of interest decisions by the ECB Governing Council. Finally, the consequences of the fact that ECB officials often gave contrasting signals to market participants are analyzed. New evidence suggests that inconsistent communication causes agents to make less accurate predictions. The policy implication is that central bankers should take care that their statements are consistent.     

学生助学贷款的行政给付性质探讨

国家在教育领域的直接责任是不容置疑的,这种直接责任在助学贷款制度中体现为行政给付。因而必须解决目前助学贷款制度事实上存在的商业定位问题,明确其行政性。由政策性银行代表政府作为一方当事人与学生签订行政合同,利用行政合同的灵活性与合意性,辅以个人教育风险投资的方式,可以从理论上和实务上解决目前存在的诸多问题。     

中外资银行竞争能力的比较研究

当前,我国正在大力推进社会主义市场经济建设,社会的各个领域正向规范的市场经济迈进。从上世纪90年代中期开始股份制银行的设立,到近年来外资银行的进入,都为中国银行业的改革带来了强盛的活力。但也在银行间引发了前所未有的激烈竞争。因而,针对中外资银行竞争力的比较研究正当其时,本文首先分析了银行竞争力界定及局限性,然后分析中资商业银行竞争力中的优势和劣势,最后提出了几条增强中资商业银行竞争力的对策与建议,在本文的结尾,作者建议借助银行竞争力比较,大力推进中资商业银行改革,开展与外资银行的竞争与合作,不断提升中国银行业的整体竞争力水平。     

论高校图书馆法学教学案例库的建构

法学是一门应用型的学科。为满足法学教育的实践性,许多高校法学院都实行了案例教学。法学案例教学需要相关的文献资料的支持。文章就高校图书馆法学教学案例的收集、教学案例库的建构进行了探讨。     

论利用ATM机故障恶意取款行为的定性——兼论侵占罪、盗窃罪、信用卡诈骗罪实行行为的区别

利用ATM机故障恶意取款行为是指信用卡的合法持卡人,或者经持卡人合法授权的人,在明知银行的ATM机出现技术故障的情况下,进行取款、转账等操作程序,非法占有银行资金的行为。这种行为具有五个特征,即信用卡的真实性、主体的合法性、银行的过错性、行为的形式正当性和主观的恶意性。对利用ATM机故障恶意取款的行为应当定盗窃罪,而不能以信用卡诈骗罪或侵占罪处罚。     

Emerging Economies,Turnover Rates and Inflation Variability: A Comparison of Generalized Maximum Likelihood and SUR Models

Theoretical exposition and empirical evidence in central bank independence (CBI) literature confirm an inverse relationship between inflation and measures of CBI mostly in developed economies. Based on this ex ante information on CBI-inflation tradeoff, this paper proposes two functional forms for the diagonal and off diagonal elements in the residual covariance matrix in the estimation process. The proposed functional forms are used in a generalized maximum likelihood and then in a generalized least squares (GLS) (with the restricted covariance matrix) framework for the empirical test. The results are compared to the outcome of an SUR model (unrestricted). The tests involve 14 emerging economies and covers the period 1960–1990. Compared to SUR, majority of results of GLS model in samples with and without outliers provide stronger and more significant evidence confirming the CBI-inflation tradeoff. Notably, the standard errors of the GLS estimates are lower than that of the SUR estimates. Without outliers, the GLS estimates show even lower standard errors as compared to the outcome of the SUR model. Low standard errors provide baseline indication of more accurate estimates. This research has benefited from comments from David Tufte, and Gerald Whitney and contributions by participants at the colloquia series at the Montclair State University and the University of New Orleans.