建立我国存款保险制度的法理思考

随着我国金融体制改革进程的不断深入,金融市场化、国际化进程的加快,加之金融业竞争的加剧和世界性金融危机的不断出现,探索建立适合我国国情的存款保险制度、形成适应市场经济要求的金融稳定机制就成为当前一项重要的任务。本文就建立存款保险制度的法理依据和现实依据以及我国存款保险立法应遵循的基本原则进行了论述。     

Battles over boundaries: the politics of territory,identity and authority in three Ugandan regions

In Uganda, contested relations between the central government and sub-national regions have, since independence, shaped state formation and national identity in fundamental ways. Today, the country is characterised by regionally uneven state presence, and distinct sub-national identities and ongoing contestation over territorial demarcations, loci of authority and political identities. This article explores the politics of territory, identity and authority in three Ugandan regions in this context, in order to analyse the implications for exclusion and conflict at the sub-national level. This involves struggles over the territorial and administrative demarcations of and within regions; the loci and scope of authority with regards to these units; struggles over access to land; and the (non-)recognition of various cultural–political identities in these regions.     

消费者对互联网银行的可接受度问题研究

互联网银行能否取得成功很大程度上取决于消费者对其的接受程度。西方互联网银行的发展早于中国,所以对其研究也早于中国,但这些早期研究对中国仍有启发意义。本文在借鉴西方学者研究基础上,综述了研究消费者是否接受互联网银行的相关理论,分析了影响消费者对互联网银行可接受度的相关因素,并着重从消费者的风险感知视角研究了影响消费者接受互联网银行的风险,最后就如何发展中国互联网银行提出了政策建议。     

Timing as a source of regulatory influence: A technical elite network analysis of global finance

Rules governing the international financial system are the subject of some of the most intense distributional battles waged in any area of global governance. Who wins and who loses such battles – and why? I develop a novel analytical framework – technical elite network (TEN) theory – which explains the widely varying levels of influence that stakeholders enjoy over global financial standards. TEN theory draws attention to how issue‐specific characteristics of international finance – in particular, its highly technical and complex nature – shape the distributional consequences of global regulatory processes. It posits that such characteristics influence distributional outcomes by (i) affecting who claims first‐mover position and, thus, sets the agenda in global financial rulemaking, and (ii) ensuring that proposals made by first movers are increasingly difficult to alter at later stages of rulemaking. I provide empirical evidence for the theory by examining two regulatory regimes that are central to the efficiency and stability of the global financial system: the Basel Committee on Banking Supervision and the International Accounting Standards Board.     

农民隐形利益受损问题的成因及对策

“多予、少取、放活”是政府推进农村改革的总指针。“两个趋向”重要论断的提出,社会主义新农村建设的付诸实施,与这一总指针一脉相承,更加体现了中央解决“三农”问题的坚定决心和战略抉择。在“少取”的任务总体上已接近完成、“多予”和“放活”成为“三农”新政重点的同时,“三农”问题中农民隐形利益被“暗取”的问题却越来越突出。拿走农民隐形利益的“三大口子”是低价使用农民工、低价征用农民的土地和从农村大量吸储,对此,应立足于统筹城乡发展,努力消除收入分配的扭曲问题,切实保障失地农民的合法权益,加大金融支农的扶持力度,最终实现保障农民利益的目的。     

从公共政府的建立看公共财政特征

在西方国家里,财政就是公共财政,而在我国可以说是我们经过几十年的旧式财政运行机制同新型市场经济体制激烈碰击之后悟出的真谛。财政改革的目标模式是建立公共财政的问题越来越引起人们的重视。本文试图从公共政府的执政理念的角度,把握公共财政的实质性特征。以期探索在现代市场经济条件下建立公共财政的新路。     

关于个人汽车消费贷款保证保险纠纷案件的法律分析

近日,中国保监会对个人汽车消费贷款保证保险旧条款紧急叫停,根本原因在于个人汽车消费贷款保证保险纠纷案件与日俱增。正确认识保证保险条款和保证保险合作协议之间的关系是正确解决此类纠纷的关键。个人汽车消费贷款保证保险不同于担保。借款合同尚未生效,保险人不应当承担保险责任。     

船舶融资租赁合同的法律适用研究--兼论海事诉讼中不便审理法院原则

船舶融资租赁合同纠纷案件的审判和实体法律适用存在误区。我国《海商法》未就该类合同作出明确的立法规定,我国《合同法》确立了适用法律的框架,但其与我国《海商法》、《金融租赁公司管理办法》等金融法律法规的衔接以及该类合同在实践中的变异性等问题,在海事审判中把握不易,值得研究。     

Reporting on financial derivatives –A Law and Economics perspective

Fearing Enron-like financial fiascos concerning derivatives, accounting standards boards have issued new standards aimed at promoting higher transparency and reducing information asymmetries. After persistent reluctance, and despite significant criticism, the pertinent International standard, with some exceptions, was finally adopted by the E.U., for the sake of intra-European and cross-Atlantic accounting harmonization, for which the standard constituted sine-qua-non. These reluctance and criticism are not unfounded, as the standards might paradoxically result in increased information asymmetries, not easily mitigated by additional disclosure, and ultimately resulting in distortion of capital allocation and corporate governance mechanisms. Suggestions for more efficient solutions are outlined herein. JEL Classification G34 · M40     

论巴塞尔协议在我国的实施与我国金融法制的完善

本文分析了巴塞尔协议的主要内容，该协议在我国实施的意义和难点。探讨了如何有效实施该协议，促进我国金融法制建设的问题，并提出加快巴塞尔协议的实施，完善金融立法和金融监管体系的建议。