2000年中国国际金融展给我们的启示

2000年中国国际金融展于2000年9月4日至7日在金秋的北京举行。经过对展区的参观和金融信息化发展论坛的聆听,我们从事金融电子化工作的人员感受颇深。这次金融展充分展示了我国金融电子化事业所面临的机遇和挑战。这里,我从一个参观者和应用者的角度谈一谈对这次金融展的感受。

2011中国国际金融展信息发布会在京召开

本刊讯3月25日，2011中国国际金融展信息发布会在京召开。大会组委会宣布，以“创新融合稳健提升”为主题的2011中国国际金融展将于2011年9月1日至4日在北展举行。

主办银行制度:银行与企业关系的新调整

在经济体制从传统的计划经济向社会主义市场经济转轨的过程中,如何相应调整银行和企业的关系,一直是经济界十分关心的重大问题。刚刚出版的《1996年中国金融展望》把建立主办银行制度作为我国金融界在“九五”期间完善金融服务体系的重要内容,并将主办银行制度的内容概括为:实行基本存款帐户管理、对大中型企业实行主办银行制、积极推行银团贷款、支持国有企业改革并积极支持企业依法兼并和破产。 这样看来,主办银行制度的逐步建立,将会给我国的银行和企业的关系带来深远的影响。

Effectiveness of the Global Banking System in 2010： A Data Envelopment Analysis Approach

The current crisis has revealed the weaknesses of the global financial in general and its banking system in particular and puts forward a requirement for assessing the effectiveness and stability of the banking sectors across countries. Based on available data from 64 countries over the world, the author tried to evaluate the effectiveness of the banking sectors in those countries through the view point of the data envelopment analysis approach to define how the global banking systems is under the effect of the current crisis. Findings from the research showed that banking systems in advanced economies are still more effective than in developing countries. Moreover, it explained the effect of the current financial crisis, the role of public finance （and the government）, and the development of the （privately） commercial banks to the effectiveness of the banking sectors. The research also explained some determinants that can affect the effectiveness of the banking system, including inflation, bank concentration, and level of economic development.

County financial ecology and the development of new socialist countryside in China

The new rural construction will involve many fields, such as the upgrade of the industrial structure of agriculture, the impravement of the efficiency in the use of agricultural resources, the increase of farmers＇ income, maintaining sustainable agricultural development, and strengthening the construction of agricultural service system and circulation system.Finance, as the core of modem economy, should serve the new rural construction. However, there are many problems about the financial system in the rural area for a long time. So it is vital to build a good county financial eco-environment to promote the development of county financial systems and give full scope to the supporting function of finance. Only when we solve the problems in rural financial ecology and make clear the government ＇s fanction and activities, the county financial environment can function and be improved. Based on the reality of county economic development and starting from the connotation of county financial ecology, this paper analyzes the status quo of county financial eco-environment, especially the significance of optimizing the county financial eco-environment under the macroscopic background that the country proposed the socialist new rural reconstruction, and proposes the opinions and suggestions to construct and the maintain county financial eco-environment.

Risks and Countermeasures of Chinese P2P Lending Network in the Internet Financial Background

In the era of big data-oriented development in today＇s society, with the Internet as the background of the financial lending rapid development of P2P network, and its role in promoting economic development has played, but also generated a lot of negative impact. In this paper, the basic concepts of lending comb P2P networks, based on analyzes the risks faced by P2P networks borrowing against these risks P2P network is proposed to strengthen the regulatory lending advice and countermeasures.

Global Financial Crisis： Systemic Failure and the Underlying Knowledge Gap

Recently, global financial crisis or meltdown rocked the international financial market. This havoc was the result of the reckless use of financial derivatives that received spontaneous patronization from the financial whiz, but it is strange to discover that those proponents of market economy embarked on policy that was purely Keynesian in principle. The episode started in August 2007 with the collapse of subprime mortgage market and reached its climax during August 2008. Central banks in many countries of the western world intervened in the market to pump additional fund to give buoyancy in the credit market. The crisis encapsulated with the queer idea of financial instruments and multiple origins related to subprime mortgage left its trail in both developed and developing countries. Thus, an elaborate analysis of the causal link among various innovative instruments highlighting a mismatch between academic doctrine and real-life perspective and the inadequacy of the institutional arrangements supposed to tame the volatility of the market may be a useful guide to financial analysts and policy planners. The purpose of this paper is to highlight systemic gaps in the meltdown and redefine the contour of macroeconomics most appropriate to weather such catastrophe in the future.

Research on financial support of the new energy industry

As it is known to all, the new energy industry plays an important in the economic transformation and structure adjustment of our country. The government attaches great importance to the development of the new energy industry. Particularly for the developing countries, to achieve rapid development require a lot of capital. However, there are some problems with finance in the development of the new energy industry. Based on the analysis, this paper puts forward some countermeasures.

Credit Risk （Based on Analysis of Financial Statements） as the Decisive Factor Influencing the Risk of Investors

Banks as the key subjects in the financing of investment have a strong influence on the risk of investors. Hence, the solvency of the bank is of crucial importance for the risk management in the investment process. Given the fact of underdevelopment of financial markets and the lack of trading activities in securities, it is evident that the investments of banks in the developing countries mostly include lending investments. Looking at the key categories of risk that influence the overall risk of the banking business in such conditions, it can be concluded that credit risk presents the dominant and decisive factor. The aim of the paper is to select the bank determinant key factors of credit risk and to determine the extent to which non-performing loans （NPL） of bank credits affect the solvency of banks, and therefore also the risk of investors. This selection of the main determinants will be based on the analysis of financial statements. This is essential, especially taking into account the impact of the global financial crisis and the increasingly frequent falling into insolvency customers. Finally, liquidity of customers is that of the bank, and it is crucial for investors to timely identify possible risks associated with bank loans in order to proactively manage risk investment.

Remittances to Ghana： Benefits to the Housing Sector and Impact of Financial Crisis

The role of inflow of overseas remittances towards the development of housing sector in Ghana, and the impact of recent financial crisis on the development process is investigated. This is achieved through a review and analysis of information gathered through national and international statistical sources and targeted household and institutional interviews. As a prelude to the analysis the study assessed the importance of remittance as large and growing part of the economic underpinning of developing countries. It then assesses whether remittances have a particular relationship with housing. The research provided an estimate of the nature, level and uses of remittances and the different cyclical characters of other flows. It reveals that the successful real estate market development across Ghana during the past decade benefited from a buoyant national economy, improved financial systems and family remittances. However, the picture changed especially during 2008 attributed mainly to the global financial crisis and economic downturn. The reverberating problems of unemployment and high levels of bankruptcies in the advanced countries were felt but not as pronounced as they were in the major industrialised economies. The discussions concluded by posing a much broader question in relation to other developing countries about how remittances could be mobilised towards the development of the housing sector.

Global Economic Rebalancing： Fancy and Reality

＂Global economic imbalance＂ and ＂global economic rebalancing＂ have aroused great interest among international economic and.financial research circles. As the global financial crisis begins to abate, some Western countries have used ＂global economic rebalancing＂ as an excuse for trade protectionism and restricting the foreign economic development of developing nations. As the basic theoretical justification for the ＂global economic imbalance,＂ the theory of international trade equilibrium is wrong both in theory and in practice, because it has never been proven in the 200 years of history since the Industrial Revolution. ＂Global economic rebalancing＂ contains serious policy traps and does not generate any winners. The exchange rate is only one of the）actors which affect international trade;furthermore, it is not the fundamental mechanism. With the U.S. dollar retaining its status as the key currency of the international monetary system, it is impossible for the United States to achieve long-term foreign economic and trade equilibrium. The United States＇ trade deficit is an inevitable result of the dollar＇s status as an international currency.

Research on China＇s financial development mode on low- carbon econom7 background

With China＇s rapid economic development, environmental issues and social development issues become increasingly prominent, global warming, fog and haze, urban environmental pollution is becoming a major obstacle to China＇s sustainable development. In this context, the development of low-carbon economy has become the focus of urban construction and economic development. Carbon finance, as a product of low-carbon economy in the context of financial innovation, combines the low-carbon industries and economic development together, and has significant effects on low-carbon economy development and low-carbon urban construction. To build financial support system under the low-carbon economy circumstance, to develop carbon finance, is the necessary way China has to go through to develop a low-carbon economy, and also is the inevitable reouirement to achieve sustainable economic development.