This study investigates the need for credit supervision as conducted by on-site banking supervisors.It builds on a real bank on-site credit examination to compare the performance of a hypothetical self-supervision app...This study investigates the need for credit supervision as conducted by on-site banking supervisors.It builds on a real bank on-site credit examination to compare the performance of a hypothetical self-supervision approach,in which banks themselves assess their loan portfolios without external intervention,with the on-site banking supervision approach of the Central Bank of Brazil.The experiment develops two machine learning classification models:the first model is based on good and bad ratings informed by banks,and the second model is based on past on-site credit portfolio examinations conducted by banking supervision.The findings show that the overall performance of the on-site supervision approach is consistently higher than the performance of the self-supervision approach,justifying the need for on-site credit portfolio examination as conducted by the Central Bank.展开更多
As public service testing structure of testing products,the quality of product testing report issued by the third-party laboratory has a great impact on the healthy development of market economy.In the face of the new...As public service testing structure of testing products,the quality of product testing report issued by the third-party laboratory has a great impact on the healthy development of market economy.In the face of the new situation of rapid economic development,the third-party laboratory develops rapidly,but the government supervision is not in place,which restricts the healthy and orderly development of the third-party laboratory.Therefore,it is very necessary to study how the government effectively supervises the third-party laboratory.This paper takes Suzhou as an example.On the basis of in-depth investigation,using the theory of service government,this paper analyzes the current situation of Suzhou municipal government’s supervision of third-party laboratories,and probes into the problems existing in the supervision and management system,the supervision is not comprehensive,and the independence of the supervision team is not strong.Based on the advanced experience of foreign countries in supervising the third-party laboratory,this paper puts forward some countermeasures and suggestions to promote the Suzhou municipal government to strengthen the supervision of the third-party laboratory from the aspects of improving the implementation rules of laws and regulations,increasing the investment,strengthening the equipment update and team building,increasing the punishment for violations of laws and regulations,and giving full play to the masses and industry supervision.展开更多
China's Mainland has witnessed remarkable achievements in payment innovations based on internet and financial technologies in recent years,whereas Macao has made little progress in financial technologies,especiall...China's Mainland has witnessed remarkable achievements in payment innovations based on internet and financial technologies in recent years,whereas Macao has made little progress in financial technologies,especially in payment technologies.Based on the concept and types of third-party payment business in China's Mainland and Macao,as well as to investigate the causes for Macao’s lack of innovation in third-party payment,this study compares their differences from two aspects:business licensing authorities and key points of supervision.By comparison,although the classification and methods of third-party payment businesses are different between China's Mainland and Macao,they are all managed and licensed by a unified supervision department.Moreover,the key points of supervision in both places are similar,but unlike China's Mainland,which takes financial risk prevention as the principle and financial technology as the means to encourage innovation,Macao showed obvious deficiencies.In order to further deepen the connection between the financial markets of China's Mainland and Macao as well as boost financial technologies in Macao,this study aims to provide some suggestions and references for the development of cross-border payment systems.展开更多
文摘This study investigates the need for credit supervision as conducted by on-site banking supervisors.It builds on a real bank on-site credit examination to compare the performance of a hypothetical self-supervision approach,in which banks themselves assess their loan portfolios without external intervention,with the on-site banking supervision approach of the Central Bank of Brazil.The experiment develops two machine learning classification models:the first model is based on good and bad ratings informed by banks,and the second model is based on past on-site credit portfolio examinations conducted by banking supervision.The findings show that the overall performance of the on-site supervision approach is consistently higher than the performance of the self-supervision approach,justifying the need for on-site credit portfolio examination as conducted by the Central Bank.
文摘As public service testing structure of testing products,the quality of product testing report issued by the third-party laboratory has a great impact on the healthy development of market economy.In the face of the new situation of rapid economic development,the third-party laboratory develops rapidly,but the government supervision is not in place,which restricts the healthy and orderly development of the third-party laboratory.Therefore,it is very necessary to study how the government effectively supervises the third-party laboratory.This paper takes Suzhou as an example.On the basis of in-depth investigation,using the theory of service government,this paper analyzes the current situation of Suzhou municipal government’s supervision of third-party laboratories,and probes into the problems existing in the supervision and management system,the supervision is not comprehensive,and the independence of the supervision team is not strong.Based on the advanced experience of foreign countries in supervising the third-party laboratory,this paper puts forward some countermeasures and suggestions to promote the Suzhou municipal government to strengthen the supervision of the third-party laboratory from the aspects of improving the implementation rules of laws and regulations,increasing the investment,strengthening the equipment update and team building,increasing the punishment for violations of laws and regulations,and giving full play to the masses and industry supervision.
基金Special Project of Guangdong Provincial Key Discipline Project“Public Management”-Research on Information Literacy of Teachers and Students in Colleges and Universities from the Perspective of Crisis and Emergency Management(Key Construction Discipline of Guangdong Provincial Education Department in 2016)The Second Batch of Teaching Quality and Teaching Reform Project of Guangzhou Xinhua University in 2021-Finance Course Teaching and Research Department(Project Number:2021JYS001)。
文摘China's Mainland has witnessed remarkable achievements in payment innovations based on internet and financial technologies in recent years,whereas Macao has made little progress in financial technologies,especially in payment technologies.Based on the concept and types of third-party payment business in China's Mainland and Macao,as well as to investigate the causes for Macao’s lack of innovation in third-party payment,this study compares their differences from two aspects:business licensing authorities and key points of supervision.By comparison,although the classification and methods of third-party payment businesses are different between China's Mainland and Macao,they are all managed and licensed by a unified supervision department.Moreover,the key points of supervision in both places are similar,but unlike China's Mainland,which takes financial risk prevention as the principle and financial technology as the means to encourage innovation,Macao showed obvious deficiencies.In order to further deepen the connection between the financial markets of China's Mainland and Macao as well as boost financial technologies in Macao,this study aims to provide some suggestions and references for the development of cross-border payment systems.
