Network efficiency analysis of Chinese inter-bank market

The inter-bank market network models are constructed based on the inter-bank credit lending relationships, and the network efficiency characters of the Chinese inter-bank market are studied. Since it is impossible to obtain the specific credit data among banks, this paper estimates the inter-bank lending matrix based on the partial information of banks. Thus, directed network models of the Chinese inter-bank market are constructed by using the threshold method. The network efficiency measures and the effects of random attacks and selective attacks on the global efficiency of the inter-bank network are analyzed based on the network models of the inter-bank market. Empirical results suggest that the efficiency measures are sensitive to the threshold, and that the global efficiency is little affected by random attacks, while it is highly sensitive to selective attacks. Properties such as inter-bank market network efficiency would be useful for risk management and stability of the inter-bank market.

Impact of International Networks on Standardization Process in Banking Industry： Example of Secure Electronic Transaction （SET） Initiative

The purpose of this article is to present and interpret the case study of the secure electronic transaction （SET） scheme of Internet security, as an illustration of the necessary construction of interoperability solutions for financial services. The interpretation of case data with actor network theory （ANT） provides an illustration of power coalitions among banks to create a de facto standard for transnational electronic payment security on the Internet. After a step of protecting its political interests and well-known technological solutions, the coalition understands that its mission becomes a matter of life and death for its members： Brand-new currency has been invented on the Web and one could develop business and monetary transactions without the banks. This interpretative stage tells us much about the transnational mechanisms of regulation and standardization as well as the ＂translation＂ steps regarding these transnational organizations. However, an additional step has to be added to this interpretative step, a step of framework construction. The aim is to help managers of the transnational firms involved in regulations and standardization to anticipate the evolutions and make relevant decisions. The framework has three distinctive characteristics： the ability to help conception, the ability to help conceive problems ＂ex ante＂, and the ability to facilitate collective conception of strategic maneuvers.

Analysis on the financing strategies of small and medium sized clothing enterprises under the Internet financial model

Small and medium sized clothing enterprises have become an important force to promote China＇s economic transformation. But the shortage of funds in the development of small and medium sized clothing enterprises is still a major problem. The development of Intemet financial model is of great significance to the small and Medium Sized Clothing Enterprises .It is helpful to solve the problems of information asymmetry, credit rationing and high loan cost in the financing of small and medium sized clothing enterprises..In many financial models on the interne＇., to our vast number of small and medium-sized enterprises provide convenient services, but in the face of this model using diffcrent opinions, and there is no pertinence, for most of the enterprises are usually similar situation was a summary and recommendations, there are a handful of targeted research ,This research is for research, in order to solve the financing problems of China＇s small and medium-sized garment enterprises countermeasures were studied to find a suitable China＇s small and medium-sized garment enterprises financing path with, for small and medium-sized garment enterprises in the capital needs of the guiding role, for the enterprise to avoid financial risk. the lnternet financial model to solve the financing problem of small and medium-sized garment enterprises play the important role, we should expand Internet banking, so that more small and medium-sized garment enterprises get better development.

Information on Financial Statements for Loan Decision-Making of Commercial Banks in Vietnam

Financial statements （FS） are tools which provide information to users for making business decisions. Among the organizations, banks are the firms which conducted and did business with risks. In particular, commercial banks continue to play a dominant role in the whole system, and local commercial banks still have an edge in its widespread network across the country over foreign banks. This article is going to present the survey which clarifies the role of FS in commercial banks＇ loan decisions in Vietnam. Moreover, this paper also discusses FS＇s quality currently, thereby making suggestions for enterprises to enhance the usefulness of accounting information in borrowing activities. This paper has taken performance with 74 official employees in commercial banks in Vietnam. The results indicated the qualitative characteristics of banks when disclosing the financial statements. This article also gave the six oriented solutions to improvement of the loan decision-making by banks.

Research on the Reasonable Strategy of the Development of Commercial Banks under the Perspective of P2P Internet Financial Risks

In this paper, we conduct research on the reasonable strategy of the development of commercial banks under the perspective of P2P Internet financial risks. P2P financial model mainly for China＇ s small and medium enterprises and individuals to provides financing services. Generally need to use e-commerce professional network platform lending to help both sides to establish lending relationship and complete the related formalities. Traditional commercial banks need reform to keep up with the novel financial tools related to the Internet financing which will be discussed below.