论银行账户担保的控制公示方法

物权公示是物权状况的外部表现。作为法律制度的产物,它既可能是基于自然状况设立,也可基于某种人为手段设立。占有与登记是两种基本方法。虽然占有本质上也是一种控制,但是作为独立公示方式的控制是对无形财产所进行的管理与支配。它以控制人的社会公共信任基础为前提,是介于登记与占有之间的一种自然公示方法。一方面其不像占有那样能对权利客体本身进行有形支配,另一方面其又不像登记制度那样离权利本身那么远,而是能够对权利本身做实事上的管理。控制公示方式也可扩展适用于占有动产的人对其动产支配的某种程度的转移。建议我国未来也建立独立于占有的控制公示方法。     

深度警银合作：电信诈骗犯罪的有效阻击点

近年来，我国电信诈骗案件呈爆发态势，严重危害了社会治安稳定和公众财产权益。电信诈骗高度依赖银行服务和现代通信。警方与银行、电信部门的深度合作是应对电信诈骗的治本之策。深度警银合作的关键在于构建警方与银行系统之间紧密化、互动化、制度化、长效化的战略合作关系。     

论银行在公司治理中的作用--兼论在中国建立银行主导型公司治理结构的可行性

在公司治理上,我国是采取英美市场主导型,还是借鉴德日的银行主导型,应取决于我国公司制的国情特色.本文分析了德日银行主导型治理模式产生的原因,指出银行可以在公司治理中发挥积极作用.在现有的股权结构下,建立银行主导型的公司治理结构将是我国努力的方向.     

对完善我国商业银行监管体系的法律思考

文章首先分析了我国商业银行监管法律体系中存在的问题 ;然后介绍了几个发达国家商业银行监管的成功经验 ;最后提出了依法完善我国商业银行监管体系的对策与措施。     

我国商业银行的宏观调控法律研究

商业银行的宏观调控,是关系到国民经济发展的大事,面对以中央银行为代表的国家的宏观调控政策,商业银行必须根据自己的实际情况以及经营中出现的风险,积极应对国家的宏观调控政策,这是商业银行宏观经济义务主体所必须要承担的法律责任。     

Use of Craniofacial Superimposition in Historic Investigation

A skeleton discovered in Grand Forks, North Dakota was purported to belong to Clelland “Clell” Miller, a James‐Younger gang member, who was killed during the Northfield Bank robbery on September 7, 1876. A 3‐D image from a computer tomography (CT) scan of the skull was obtained, and a craniofacial superimposition was conducted to determine if the skull could belong to Miller. The superimposition method used in this case was to overlay the CT image of the skull onto Miller's postmortem photograph. In addition to the craniofacial superimposition, the images were juxtaposed to compare similarities or differences in facial morphology between the skull and photograph. Superimposition methods can be used to exclude identifications; however, they should not be used as a conclusive method for identification. In this case, there were sufficient similarities between the skull and Miller's photograph; therefore, the skull could not be eliminated as possibly being that of Miller.     

Reforming the French welfare state: Solidarity,social exclusion and the three crises of citizenship

The article explores recent debates about citizenship and social provision in France. It examines the essential concepts comparable to ‘social citizenship’, as understood in British debates, and the role that they have played in the development of the French welfare state. Its conclusions are threefold. First, social provision in France is founded on the principle of solidarité, which holds that all citizens face a series of social risks (unemployment and illness) that make them dependent on one another. Second, as the traditional insurance principle (the core of the French welfare state) is founded on socio‐economic conditions (concerning the nature of social interdependence and social risk) that no longer exist, the emergence of these social ills has led to not one but three crises of citizenship: a crisis of coverage, of legitimacy and of participation. Third, while it is too early to draw definitive conclusions, recent policy reforms suggest that the difficulties faced by French welfare are encouraging moves towards the British model of tax‐based (rather than insurance‐based) financing of social provision.     

外部治理机制对银行业绩影响的实证研究

本文从贷款合约延续性出发,指出在贷款合约延续期间,外部要素市场以及法律法规环境可以通过作用于借款公司财务健康的方式,间接影响银行的业绩,这是一种完全有别于传统理论的间接银行外部治理理论。并且,本文还利用我国61家城市商业银行2005-2009年度数据对该理论进行了实证检验,结果发现,一般公司的外部要素市场竞争以及法律法规环境完善的确改善了银行业绩,从而也证实了本文提出的理论。     

商业银行社会责任的兴起及其督促机制的完善

伴随着商业银行社会责任运动的全球兴起,我国商业银行践行社会责任的问题也引起政府相关部门、行业组织以及社会大众的关注。在这种情势下,国内银行纷纷采取行动回应这个问题。不过,从实践来看,在这场已略显“喧嚣”的国内商业银行社会责任运动中,“督促机制”所存在的缺陷始终制约着运动的实际效果。为此,建立“硬法”与“软法”并施、外部督促力量与内控督促制度相结合的“督促机制”是提升国内商业银行践行社会责任之效果的重要方面。     

防范以银行卡密码为突破口的犯罪侵害

当前,银行卡使用密码的便捷性与安全性的矛盾日益突出。人为设置密码的安全性受制于设置者的智力水平和对安全性能考虑的周密程度,人为设置密码的经常变更也无法抵御随时可能发生的密码被窃取或者骗取的风险。非法获取他人密码是“前置性犯罪”,而获取他人密码之后的犯罪活动可称为“后发性犯罪”。应当在《个人信息保护法》中明确对密码的特别保护,进一步明确银行在保护客户密码安全方面的义务,努力创造条件对银行账户采用生理纹线识别技术。