Since China＇ s accession to WTO, opening up has intensified China＇ s ties with the international financial markets, financial markets have become increasingly frequent. However, with respect to foreign banks, capita...Since China＇ s accession to WTO, opening up has intensified China＇ s ties with the international financial markets, financial markets have become increasingly frequent. However, with respect to foreign banks, capital management of commercial banks is only just beginning. Especially after the proposed Basel, how to adjust the capital assets of commercial banks is to enable them to comply with Basel II requirements, ensuring stability and development of the banking sector is the China Banking Regulatory Commission and the commercial banks. So, how intensive management can reduce capital occupation to increase the capital adequacy ratio is an important part of the commercial banks that must be studied.展开更多
According to the Top 1,000 world banks released by the British authoritative magazine The Banker, the profits made by Chinese banking industry in 2011 had accounted for one-third of the global banking profits, and nea...According to the Top 1,000 world banks released by the British authoritative magazine The Banker, the profits made by Chinese banking industry in 2011 had accounted for one-third of the global banking profits, and nearly 100 banks had been included in the Top 1,000 world banks list. This proves that China＇s commercial banks have been standing in the forefront of the world. While achieving such impressive results, China＇s risks and uncertainties due to the constraints of the internal and external environment cannot be ignored. Those risks are mainly about the risks of the over-estimation of the expected return for financial products, the high credit concentration, as well as the seldom use of financially derivative products. Therefore, it is difficult to avoid risks by the portfolio management, which restricts the further improvement of the competitiveness of commercial banks.展开更多
In general, based on the traditional operation and management model, innovation means reforming the activities of financial institutions, financial instruments, technology of financial services as well as organization...In general, based on the traditional operation and management model, innovation means reforming the activities of financial institutions, financial instruments, technology of financial services as well as organizational forms of financial markets, because promoting the overall development of the financial industry is the fundamental purpose of financial innovation, we should optimize the allocation of the existing resources of the financial institutions and improve financial efficiency, thus gradually promote the market competitiveness of financial institutions.展开更多
China＇s Internet finance industry developed explosively from 2012 to 2015. Undersupply of finaneial services, progress of information technology and accommodative regulations for Internet finance jointly explain the ...China＇s Internet finance industry developed explosively from 2012 to 2015. Undersupply of finaneial services, progress of information technology and accommodative regulations for Internet finance jointly explain the explosive development. Regulation tightened after the small-scale P2P lending crisis in 2015. The present paper discusses the role of information technology and mega data analysis in financial services, with particular attention paid to some popular misconceptions. The paper predicts that large financial institutions and information technology companies will play a dominant role in the future development of lnternet finance.展开更多
文摘Since China＇ s accession to WTO, opening up has intensified China＇ s ties with the international financial markets, financial markets have become increasingly frequent. However, with respect to foreign banks, capital management of commercial banks is only just beginning. Especially after the proposed Basel, how to adjust the capital assets of commercial banks is to enable them to comply with Basel II requirements, ensuring stability and development of the banking sector is the China Banking Regulatory Commission and the commercial banks. So, how intensive management can reduce capital occupation to increase the capital adequacy ratio is an important part of the commercial banks that must be studied.
文摘According to the Top 1,000 world banks released by the British authoritative magazine The Banker, the profits made by Chinese banking industry in 2011 had accounted for one-third of the global banking profits, and nearly 100 banks had been included in the Top 1,000 world banks list. This proves that China＇s commercial banks have been standing in the forefront of the world. While achieving such impressive results, China＇s risks and uncertainties due to the constraints of the internal and external environment cannot be ignored. Those risks are mainly about the risks of the over-estimation of the expected return for financial products, the high credit concentration, as well as the seldom use of financially derivative products. Therefore, it is difficult to avoid risks by the portfolio management, which restricts the further improvement of the competitiveness of commercial banks.
文摘In general, based on the traditional operation and management model, innovation means reforming the activities of financial institutions, financial instruments, technology of financial services as well as organizational forms of financial markets, because promoting the overall development of the financial industry is the fundamental purpose of financial innovation, we should optimize the allocation of the existing resources of the financial institutions and improve financial efficiency, thus gradually promote the market competitiveness of financial institutions.
文摘China＇s Internet finance industry developed explosively from 2012 to 2015. Undersupply of finaneial services, progress of information technology and accommodative regulations for Internet finance jointly explain the explosive development. Regulation tightened after the small-scale P2P lending crisis in 2015. The present paper discusses the role of information technology and mega data analysis in financial services, with particular attention paid to some popular misconceptions. The paper predicts that large financial institutions and information technology companies will play a dominant role in the future development of lnternet finance.
