国际财产保险业务结构研究及启示

本文基于国际视角,利用经济合作与发展组织数据库(Source OECD)的统计数据,通过宏观和微观两个层面、纵向和横向两个维度详细分析了选自三个大洲的美国、加拿大、德国、英国、法国、日本和韩国七个代表性国家的财产保险业务结构情况。在对样本国家财产保险业务结构深入研究的基础上,提出了我国财产保险公司业务结构优化调整的建议,并在业务占比服从正态分布的假设下,利用统计学中的3σ原则,尝试估算出各类业务的优化比例参考区间。

An Empirical Research of Producer Services＇ Cluster Development To Regional Industrial Structure Optimization And Upgrading --Based on the Research of 16 central cities＇ Panel Data in Yangtze River Delta

Based on the 16 central cities＇ Panel Data in Yangtze River Delta, location quotient index is used in this paper to measure and analyze the current cluster situation of producer services in Yangtze River Delta, fixed effects model of Panel Data model is also used in this paper, and the industrial structure is taken as the dependent variable, while the core explanatory variables is the degree of producer services＇ cluster development, which is calculated by location quotient, moreover, three control variables introduced in this paper and they are technology advantage, education level and R＆D spending, and the mentioned above is to empirically study the impacts of producer services＇ cluster development to the regional industrial structure. As a result, producer services＇ cluster development has a significant positive role in promoting the regional industrial structure optimization and upgrading, though the extent is not yet a big push and is still to be further strengthened. In this paper, it has provided a strong evidence that under China＇ s new normal economy, producer services is badly needed to promote regional industrial structure, and finally it makes specific suggestions based on the current cluster situation of producer services in Yangtze River Delta.

中国商业银行战略并购策略研究

我国商业银行战略并购策略要考虑两个维度:一个维度是并购的目的,包括综合化、国际化和优化业务结构3个层面;另一个维度是对并购目标的要求,要考虑战略定位、行业领域、地理区域、规模实力、财务绩效、管理创新、客户资源、机构网点等方面。并购目标规模与并购银行大小相适宜,并购区域应以国内市场和海外市场并重,并购行业应由银行同业逐步走向非银行金融机构,稳健推进并购战略。近年来,我国商业银行正逐步过渡到以内生增长和通过并购实现跨越式发展并重的增长模式,并购将成为下一阶段我国商业银行的发展潮流。