民间借贷利率监测的难点与对策

民间借贷利率监测已经开展几年,如何建立完善民间借贷监测制度,在实践工作中仍存在着一些不可忽视的问题,本文针对目前民间借贷利率监测存在的问题产生的原因进行分析,进而有针对性地提出有关建议与对策。

我国利率监测分析体系构建研究

随着利率市场化改革进程的不断深入,中国人民银行逐步转变工作理念和方法,从过去重视利率监管转到对利率政策的调查研究、监测分析上。因此,建立富有成效的利率监测分析体系也成为中国人民银行利率管理工作的一项重要内容。通过对现行利率监测体系存在问题的分析,从建立功能完备的制度保障体系、利率风险防范预警机制、科学的利率监测指标体系、完善的利率监测报备系统和利率管理人力资源数据库等方面提出构建我国利率监测分析体系的设想。

银行业存款利率定价实践探讨

存款利率市场化情况下,银行经营的首要问题就是通过各种途径不间断、稳定地得到较低成本的存款资金。存款利率市场化明显使银行的存款结构从较低成本资金向市场化较高成本的资金转变。随着银行经营情况变化,利率调整可能成为常态,因此存款利率调整会比过去更加频繁。存款定价受限于受众广泛、业务同质化严重等原因,不适合逐笔定价,而更适合规则定价,更需要信息化技术的支撑。本文讨论了我国银行存款利率定价存在的问题,提出借鉴美国银行业存款定价实践的相关经验,同时结合自身情况进行存款定价体系的研究规划,充分发挥信息技术优势,为进一步推进我国银行业经营管理创新和加快业务转型提供坚实的技术支撑。

“中国货币网”:以信息服务交易与监管

中国货币网是中国外汇交易中心以"方便交易、防范风险、便利监管"为宗旨,为银行间市场提供交易所需信息、中小金融机构备案报价和银行结售汇备案的基本平台,为金融机构广泛参与货币市场提供了快捷的通道。依托"中国货币网"运行的三大监管业务系统,为货币市场参与者与监管者开辟了信息互递的高效运作渠道,并已成为货币网信息服务的重要特色。

Utilization of Data Communication according to the IEC61850 Standard for Nuclear Power Plant Electrical Equipment Testing

This paper deals with an integration of directly measured electrical parameters with data acquired by data communication from protections and terminals into an advanced monitoring system. Based on the periodic test, the authors of this paper present the possibility of an extended evaluation and more accurate analysis of transient and failure events. For periodical testing, as implemented during the commissioning of power plants in the Czech Republic, a monitoring system of electrical equipment has been used, to record the courses of important electrical parameters and thus, proving the proper functioning of complex technological systems in various operation modes. Data from monitoring system were used to prove the successful results of the test or as a base data for further analysis of failures. The monitoring system has proved itself as a very useful device also when recording unexpected failure events, the cause of which was very quickly and accurately detected by the follow-up analysis. Initially, only the voltage and current data from measuring transformers, analogue transducers and contact relays were used as input data for the monitoring system. After the implementation of new digital protection technology and controlling terminals with inner data recorder, the data from digital devices could be also utilized for the monitoring system.

我国民间融资利率规制的法律问题

利率是民间融资规制的起点。当前我国对民间融资利率规制的零散而不成体系的规范极不适合发展要求。借鉴发达国家和地区的经验,结合我国民间融资的现实需要,我们应当创新理念,将利率作为民间融资规制的起点,确立市场化、安全性、类别化的基本原则,构建地方监管、登记、监测等制度,以立法、行政、司法等手段保障对民间融资利率的合理规制。