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香港信用管理业的发展 被引量:1
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作者 陆廷华 《现代商业银行》 2002年第11期32-33,共2页
信用管理业的产生是一种必然 商业社会是一个讲求分工和效率的社会,它通常是用有限的资源去争取最大的回报。在这个社会里,债权人可以通过法律以外的渠道,在权衡时间、人力、物力等资源的同时,利用信用管理业提供的服务,以一个新的途... 信用管理业的产生是一种必然 商业社会是一个讲求分工和效率的社会,它通常是用有限的资源去争取最大的回报。在这个社会里,债权人可以通过法律以外的渠道,在权衡时间、人力、物力等资源的同时,利用信用管理业提供的服务,以一个新的途径去讨回他们应有的权益。所以,在这个开放型的自由市场经济环境下,信用管理以其传统内涵和新兴的形态走进市场,在香港得以快速和广泛的发展。随着商业环境的不断变化,信用管理业所提供的服务配合客户的需求不断地演进。 香港的信用管理业大致可分为银行财务系统和商业系统两大块。银行财务系统的债务人为个人或公司在使用过此金融机构提供的服务后而没有按协议还款的客户,例如私人借贷(分期付款、循环贷款、备用信贷等),按揭服务《楼盘。 展开更多
关键词 香港 信用管理业 发展 银行财务系统 商业系统
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论个人信用信息转移权在我国的应用:理据与规制 被引量:5
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作者 董新义 《求是学刊》 CSSCI 北大核心 2023年第2期117-134,共18页
个人信用信息不仅具有人格价值,还蕴含着重大的财产价值,已经成为新时代金融业发展的重要资源。个人信用信息基于个人信息转移权应用于金融业的发展具有重大的理论价值和实践价值,我国有必要借鉴域外开展个人信用信息转移以发展相关产... 个人信用信息不仅具有人格价值,还蕴含着重大的财产价值,已经成为新时代金融业发展的重要资源。个人信用信息基于个人信息转移权应用于金融业的发展具有重大的理论价值和实践价值,我国有必要借鉴域外开展个人信用信息转移以发展相关产业的实践经验,为此需要构建完善的个人信用信息转移法律制度以作为支撑和保障。个人信用信息转移法制化的方法和路径为:通过修法或法律解释的方法,将信用信息纳入《个人信息保护法》和《民法典》中个人信息的范围;完善个人信息转移权制度,将个人信息转移权纳入《民法典》第1037条个人信息决定权体系,以确保该权利得到《民法典》的保护。同时,应对征信业法规中的信用信息概念加以完善,新设本人信用信息管理业,并确立准入标准和营业行为规制。以此为开端,推动健全相关法律制度,期待未来将个人信息转移权扩张应用至更多行业,以数据共享推动相关产业的发展。 展开更多
关键词 信用信息转移权 信用信息 数据可携带权 数据共享 本人信用信息管理业
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The Relationship Between Credit Risk Management and Profitability Among the Commercial Banks in Kenya
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作者 Josiah Aduda James Gitonga 《Journal of Modern Accounting and Auditing》 2011年第9期934-946,共13页
Banks operate in an environment of considerable risks and uncertainty. Credit risk has always been a vicinity of concern not only to bankers but to all in the business world because the risks of a trading partner not ... Banks operate in an environment of considerable risks and uncertainty. Credit risk has always been a vicinity of concern not only to bankers but to all in the business world because the risks of a trading partner not fulfilling his obligations in full on due date can seriously jeopardize the affairs of the other partner. Credit risk management in banks has become more important not only because of the series of financial crisis that the world has experienced in the recent past, but also the introduction of Basel II Accord. The objective of the study was to establish the relationship between credit risk management and profitability in commercial banks in Kenya, Both qualitative and quantitative methods were used in order to fulfill the main purpose of the study. A regression model was used to do the empirical analysis. The results obtained from the regression model show that there is an effect of credit risk management on profitability at a reasonable level. The findings and analysis reveal that credit risk management has an effect on profitability in all the commercial banks analyzed. 展开更多
关键词 credit risk management PROFITABILITY commercial banks operating Kenya
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Research on Application of information technology in agricultural economic management 被引量:1
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作者 Liang Wang Baoying Xue 《International Journal of Technology Management》 2015年第7期70-73,共4页
In the current social, agricultural development is heavily influenced by the level of agricultural information development, so, it is necessary to pay attention to the development of information technology in order to... In the current social, agricultural development is heavily influenced by the level of agricultural information development, so, it is necessary to pay attention to the development of information technology in order to maintain a sustained, steady and rapid development of agriculture, as well as we use information technology in all aspects of agricultural production, so as to make more rapid and stable development of Chinese agriculture. In Agricultural Economics and Management should focus on the help of information technology. The main author makes a brief analysis on the role of information technology in the agricultural economy and the management of specific applications, which is designed to promote the further development of Chinese agriculture. 展开更多
关键词 information technology Agricultural Economics and Management APPLICATION
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Empirical Study About the Application of Knowledge Management in Selected Sector of Industry in Slovakia
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作者 Dana Kisel'akova 《Chinese Business Review》 2012年第1期92-98,共7页
This study focuses on the analysis of the application of knowledge management in companies in selected sector of industry in Slovakia after Slovakia entering into Euro area in 2009. Based on relevant experience, main ... This study focuses on the analysis of the application of knowledge management in companies in selected sector of industry in Slovakia after Slovakia entering into Euro area in 2009. Based on relevant experience, main conditions and problems associated with the implementation are analyzed through fundamental empirical survey. The necessity of utilization of information and communication technologies, management information systems innovation and long life education in companies are considered in knowledge-based company in knowledge-based society. Further possibilities of application and expected economic effects and benefits on growth and international competitiveness of companies in European Union, Euro area in many fields are outlined in the end of this article as the main aim of this study 展开更多
关键词 knowledge management empirical survey management information system COMPETITIVENESS economic effects and benefits
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Integration and Application of PDM system and logistics management System
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作者 Chen Limin Zhao Jun 《International Journal of Technology Management》 2014年第8期174-176,共3页
In order to improve the efficiency of product design and reduce the logistics cost, this paper first analyzes the information integration demand of product design department and logistics service department. Based on ... In order to improve the efficiency of product design and reduce the logistics cost, this paper first analyzes the information integration demand of product design department and logistics service department. Based on Web service technology, this paper builds the product logistics service information model for integration. Furthermore, through a sanitary appliance company application, a solid base is laid for increasing the product R&D speed and logistics service. 展开更多
关键词 Product data management LOGISTICS Information Integration Web service teclmology
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