客户备付金集中存管后时代的银行业务策略

支付机构客户备付金按照一定比例交存至指定机构专用存款账户,是支付机构发展模式的转折点。本文结合政策背景和业务发展趋势,探讨支付新业态下,商业银行如何在满足监管的基础上,与支付机构开展业务合作,实现支付行业各方共赢。

Electrochemical Behavior and Specific Capacitance of Polyaniline/Silver Nanoparticle/Multi-walled Carbon Nanotube Composites

In this work, we fabricated the polyaniline/silver nanoparticle/multi-walled carbon nanotube （PANI/Ag/MWCNT） composites by in situ polymerization of aniline on the wall of Ag/MWCNTs with different aniline to Ag/MWCNT mass ratios. The chemical structure of the ternary composites was characterized by Fourier transform infrared spectroscopy, Xray diffraction, and X-ray photoelectron spectroscopy. Scanning electron microscope and high-resolution transmission electron microscopy were used to observe the morphology of the ternary composites. The results showed that the polyaniline PANI layer was prepared successfully and it covered Ag/MWCNTs completely. In addition, Ag nanoparticles between the MWCNT core and the PANI layer existed in the form of elemental crystal, which could contribute to the electrochemical performance of the composites. Then we prepared the composite electrodes and studied their electrochemical behaviors in 1 mol/L KOH. It was found that these composite electrodes had very low impedance, and exhibited lower resistance, higher electrochemical activity, and better cyclic stability compared with pure PANI electrode. Particularly, when the mass ratio of aniline to Ag/MWCNTs was 5：5, the composite electrode displayed a small equivalent series resistance （0.23 Ω） and low interfacial charge transfer resistance （〈0.25 Ω）, as well as 160 F/g of the maximum specific capacitance at a current density of 0.25 A/g in KOH solution. We could conclude that the composite material had potential applications as cathode materials for lithium batteries and supercapacitors.

浅议我国网上银行的金融监管

网上银行作为21世纪一种新兴的金融业,其低廉的成本和广阔的前景,已越来越得到人们的重视。货币数字化和网络支付体系已经成为当今银行业的操作基础。随着信息化的飞速发展,网上银行在带给人们优质、快捷、全面服务的同时,这种以信息流为主的模式,也对实施金融监管提出了强有力的挑战。本文从网上银行的特征及我国网上银行的发展现状出发,深入分析我国网上银行发展对金融监管的冲击,并提出适时地金融监管对策。

Effect of Lonicerae Flos extracts on reflux esophagitis with antioxidant activity

AIM： To observe the effects of traditional antiinflammatory medicine Lonicerae FIos （LF） on rat reflux esophagitis （RE） induced by pylorus and forestomach ligation compared with the well-known proton antioxidant, α-tocopherol. METHODS： Rats were pretreated with three different dosages of LF （500, 250 and 125 mg/kg） orally, once a day for 14 d before pylorus and forestomach ligation. Nine hours after pylorus and forestomach ligation, changes to the stomach and esophagus lesion areas, gastric volumes, acid and pepsin outputs, antioxidant effects, esophageal lipid peroxidation, superoxide dismutase （SOD）, catalase （CAT）, malondialdehyde （MDA）, myeloperoxidase and glutathione （GSH） levels, and collagen contents （marker of flexibility） were observed on the esophageal and fundic histopathology. The results were compared with an α-tocopherol （once orally, 1 h before operation, 30 mg/kg） treated group in which the effects on RE were already confirmed.RESULTS： Pylorus and forestomach ligations caused marked increases of gross esophageal and gastric mucosa lesion areas, which corresponded with histopathological changes. In addition, increases of esophageal lipid peroxidation, decreases of SOD, CAT, and GSH-free radical scavengers, increases of collagen were observed. However, these pylorus and forestomach ligation induced RE were dose-dependently inhibited by treatment of 500, 250 and 125 mg/kg of LF extract, mediated by antioxidant effects. RE at 250 mg/kg showed similar effects α-tocopherol. CONCLUSION： The results suggest that antioxidant effects of LF could attenuate the severity of RE and prevent the esophageal mucosal damage, and validate its therapeutic use in esophageal reflux disease.

Auditor Reputation, Audit Opinion, and Eamings Management： Evidence From French Banking Industry

The aim of this research is to study the impact of auditor reputation and audit opinion on earnings management in French banks. This article used a sample of 162 French banks over the period from 2005 to 2012. By using three different tests （loss-avoidance, just-meeting-or-beating prior year＇s earnings, and abnormal loan loss provision）, the findings of this paper show that both high auditor reputation and qualified audit opinion constrain earnings management to avoid loss or to just meet or beat prior year＇s earnings in banks. In separate tests related to earnings management through abnormal loan loss provisions, the paper also finds that high auditor reputation constrains earnings management. Qualified audit opinion has a negative but non-significant effect on abnormal loan loss provisions.

New Basle Capital Agreement and Risk Management of China＇s Banking Industry

Adjustment of Basle Capital Agreement will influence the risk management and capital arrangement demand of the banks with different scales, operation level and environment. It will have widespread and profound effect on the competition strength of every country＇s banks in the global market. Starting with illustration of the present cond（tion of risk management in China＇s banks, the paper analyzes the major problems existing in the risk management system of China＇s banking industry, then puts forward some clues and suggestions to improve and better the risk management system of China＇s banking industry.

Investment Strategy of the Temasek Holdings

Sovereign Wealth Funds （SWFs） are generally known as investment funds owned by national governments and financed by the country＇s foreign currency reserves （dollar, euro, and yen）, often through their central banks or via direct investments. The study investigated the investment strategy of the Temasek Holdings as one of the most successful SWFs which is owned by the government of Singapore. Temasek Holdings was founded in 1974 to manage part of the government＇s revenues. Present turbulent times create a big pressure on healthy investment strategy of the SWFs. But total shareholder return for Temasek since its inception in 1974 has been a healthy 17% compounded annually. The main objective of the paper is to focus on the role of the Temasek Holdings as a company managed on commercial principles with an aim to achieve long-term sustainable returns. The study also analyzed Temasek Holdings＇investment strategy. The study provides answers to questions like： why Temasek is of the most successful SWFs and what is the fund risk management？ Another part of the paper compares investment strategy of the Temasek Holdings with other SWFs. The study has been conducted mainly on the basis of literature survey, secondary information and with using various web sites and research paper. The analysis has been also based on disclosures appearing in the Temasek annual reports over the period from 2008 to 2010.

Hepatic fibrosis in biliary-obstructed rats is prevented by Ginkgo biloba treatment

AIM： To assess the antioxidant and antifibrotic effects of long-term Ginkgo biloba administration on liver fibrosis induced by biliary obstruction in rats. METHODS： Liver fibrosis was induced in male Wistar albino rats by bile duct ligation and scission （BDL）. Ginkgo biloba extract （EGb 761, 50 mg/kg.per d） or saline was administered for 28 d. At the end of the treatment period, all rats were killed. Serum aspartate aminotransferase （AST）, alanine aminotransferase （ALT）, and lactate dehydrogenase （LDH） levels were determined to assess liver functions and tissue damage, respectively. Tumor necrosis factor-α （TNF-α） was also assayed in serum samples. Liver tissues were taken for determination of the hepatic malondialdehyde （MDA） and glutathione （GSH） levels, myeloperoxidase （MPO） activity and collagen content. Production of reactive oxidants was monitored by chemiluminescence （CL） assay. Serum AST, ALT, LDH, and TNF-α levels were elevated in the BDL group as compared to control group and were significantly decreased by EGb treatment. RESULTS： Hepatic GSH level, depressed by BDL, was elevated back to control level in EGb-treated BDL group. Increase in tissue MDA level, MPO activity and collagen content due to BDL were also attenuated by EGb treatment. Furthermore, luminol and lucigenin CL values in BDL group increased dramatically compared to control and reduced by EGb treatment. CONCLUSION： Our results suggest that Ginkgo biloba protects the liver from oxidative damage following BDL in rats. This effect possibly involves the inhibition of neutrophil infiltration and lipid peroxidation; thus, restoration of oxidant and antioxidant status in the tissue.

The Optimal Energy Management for Lighting of Bank in GMS （Greater Mekong Sub-region） Countries

As a result of the high economic growth in GMS （Greater Mekong Sub-region） countries, bank branches have now expanded at high rate. The expansion of new buildings, however, has not considered energy, especially lighting system, in the design stage. This paper presents the optimal energy management design of lighting system for the bank buildings in the countries along Mekong River, namely China, Vietnam, Cambodia, Myanmar, Laos and Thailand. The lighting system is considered in the study as most of the countries use T8 fluorescent luminaires. The LCC （life cycle cost） method has been considered for the installation and operational cost. The assumed benefit-cost ratio analysis comprises of the lifetime cycle, price of fluorescent lamps, electricity unit price, operating times and hours of lighting bulb. The T8 fluorescent luminaires with low watt loss ballast are compared with T5 fluorescent luminaires and LED lamps. Electricity rates and the cost of the investment are considered to determine the suitable selection of the lighting system in each GMS country.

The Construction of Risk Management Control System for Commercial Banks： From the Perspective of the Management Team

Risk management control （RMC） system is of vital importance to firms, especially the commercial banks. However, the existing models of risk management are always built from the perspective of financial regulators and neglect the practicability within the organization. In order to better facilitate the enterprise risk management （ERM）, this paper is trying to construct a new framework of RMC system from the standpoint of the management team. The foundations of our design are COSO ERM report, as well as multi-disciplinary theories and methods, such as economy, psychology, and behavior. We establish a three-component RMC system for commercial banks, which include setting RMC standards, monitoring RMC execution, and rewarding results from standards execution. Then, we introduce an extended three-factor RMC system model. This system and its extended framework are meaningful and referential for both theory and practice of commercial banks＇ risk management.

Research Risk Factors and Management Competence of Vietnam Commercial Banks from 2006-2020

Banks are various credit institutions that perform all bank activities and other business activities. According to the nature and objectives of operation, types of banks include all the commercial banks, development banks, investment banks, policy banks, joint stock banks and other types of banks.

Bank Development and Papers＇ Automatically Generated Functions of Photoshop Course

The system uses B / S mode and ASP as the web-based support and connects with the SQL Server 2005 database, which realizes the automatic and manual assessment of Photoshop course exam management operations. At the same time, it will be able to generate paper reference to test the difficulty levels of papers.

Is the 2008 financial turmoil increasing the risk of a bank run？ An empirical research in Geneva

In this paper, the authors present the results of an empirical study that attempts to analyse the risk of bank run in Geneva, Switzerland. Two similar surveys have been conducted upon two independent samples of Geneva population （June 2008 and February 2009） to detect the existence of predictive signals leading to a bank run within the selected area. The authors discover that Geneva inhabitants are generally confident in Swiss banks; the risk of a bank run in the area is low. However, reliance to the national banking system is worsening： The number of people fearing about their savings and those thinking the default of a major Swiss bank as ＂possible＂ has significantly risen. Also, more and more people keep updated about the current financial crisis; overall trust in Swiss banks has slightly decreased.

The Relationship Between Credit Risk Management and Profitability Among the Commercial Banks in Kenya

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.

Analysis of the financial crisis after the era of Chinese-style shadow banking and regulatory proposals

In 2007, the U.S. subprime crisis -induced global financial crisis swept across the world rapidly, triggering a reflection of Governments on financial regulatory philosophy and systems, it also brought the shadow banking finance in front of the majority of people, it has become the focus of attention. Various management measures have been taken around the shadow banking, and it has brought great volatility to currency and financial markets, and it also highlights the plight of Chinese shadow banking supervision. Therefore, this article briefly analyzes the mechanism of the Financial Times in the Chinese style shadow banking, and makes several regulatory proposals, avoiding low risk of shadow banking at the greatest degree.

An International Survey on State of the Art of Grain Legume Management in Gene Banks

An online survey addressed to members listed in the European Cooperative Programme for Crop Genetic Resources Networks Working Group on Graithe current problems in the management of GL germplasm, to work out the criterian Legumes and Grain Legumes （GL） germplasm managers and breeders was carded out to pinpoint and decisions involved in the implementation of regeneration procedures and to identify strategic areas where further research is required. The survey was divided into three sections： （1） germplasm collection details and current status of the regeneration needs; （2） assessment over the understanding of basic information required to carry out appropriate regeneration procedures such as the breeding systems, the pollination requirements and pollinating agents, the isolation techniques and regeneration facilities; and （3） assessment of different options, in addition to ＂ex situ＂, such as ＂in situ＂ and ＂on farm＂ conservation. Obtaining, collating and analysing different kinds of existing data on mating system of GL species, effective pollination control methods and isolation facilities by species and location is one example of a priority issue. The GL community makes a clear request for greater support for the development of well-designed methodologies of regeneration that maintain the genetic structure of populations and that the optimum regeneration strategy is most likely to be achieved through integrating pollinators with the regeneration procedures. A major concern of the GL community is the lack of empirical scientific information on the most suitable pollinator agents.

Development problems of commercial bank＇s management pattern in nowadays and countermeasures analysis

Since the 18th CPC National Congress, financial reform of our country has entered the fast lane, the competition of commercial banks transit from blue sea to red sea, especially the emergence of the Intemet finance, causes huge competitive pressure on the current commercial banks. Only if commercial banks innovate on business model can they cope with today＇ s competitive market environment. This paper mainly focus on the current status quo and problems of commercial banks＇ business model, and analyzes the operation mode that commercial banks can choose, and then proposes improved countermeasures to perfect the commercial bank management pattern in the new period.

Brief analysis on the issue of staff training in Bank of Shanghai

Nowadays,the world belongs to the era of the economy full of information. The development of human resources in the entel-prise also shows the increasingly important. At present, commercial banks are not only to recruitment, introduction of outstanding professionals to enrich their team, but also the more important is potental of the existing management and staff training. Therefore, staff training and development will highlight out from the commercial bank management, which can make sure that a business adapt to the environment, realizing the fundamental value and the main enterprises for sustainable development.

The Role of Information Security Development （ISD） in Effective Information Security Management （ISM） Implementation in the Banks： A Nigerian Case

This research discusses the role of information security development （ISD） using organizational factors such as information security plans, information security awareness, perceived quality training programs, information security policies and procedures, and organizational culture in effective information security management （ISM） implementation in the banks （a Nigerian case）. This paper explores the existing literature and a proposed framework that consists of ISD such as information security plans, information security awareness, perceived quality training programs, information security policies and procedures, and organizational culture in ISM implementation. ISD factors are found to be statistically significant, because it motivates an organization to implement effective ISM in the banks. Hence, it could be said that the role of ISD practices in an effective implementation of ISM among banks in Nigeria will be of great value.

The Impact of the Implementation of the New Regulations on Capital Management＇s Bank of China

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.