资管新政对房地产企业融资的影响与对策

2018年4月《关于规范金融机构资产管理业务的指导意见》(以下简称资管新政)的出台,旨在改变2008年次贷危机后由于财政政策与货币政策在提振国内经济的同时所产生的经济结构性失衡的副作用,并遏制资产管理市场当中存在的杠杆过高、多层嵌套以及通道业务激增等负面影响。资管新政的出台对于金融、房地产等行业的影响尤为突出,加强了现存于房地产融资中通道业务等的监管力度。本文从资管新政的内容以及对房地产融资的具体影响分析入手,就资管新政下如何推进房地产融资的具体改革提出一些参考意见。

资管新规下商业银行财务管理存在的问题及对策探讨

金融是我国宏观经济发展的重要助推器,同时也是我国深化经济改革的重要抓手和着手点。金融体制的改革需要审慎进行,避免引发金融动荡从而影响到国家的实体经济,乃至于国计民生的稳定与和谐。在我国,商业银行是最为重要的金融机构,承担着十分关键的金融职能,是金融市场的积极参与者和重要主体。我国众多的金融市场发展变化都离不开商业银行的推动和实践。随着资管新政的颁布实施,我国商业银行在资产管理业务方面受政策影响面临着较大的调整,这对于商业银行的财务管理工作来说也是一大冲击。对此,我们将在概述资管新政以及分析当下商业银行财务管理现状和问题的基础上,提出有针对性的对策建议,以期能够保持商业银行的财务安全和整体稳定发展。

How selected primary schools in rural New Zealand manage their financial resources of limited government funding in order to effectively meet their schools objectives

This study evaluates the extent to which primary schools in a region of New Zealand are challenged by limited funds to enable the effective management and performance of their school. The study involved interviews with school principals and analysis of their schools＇ financial statements. The aim of this project is to gain a current understanding of the issues and challenges facing primary schools in a defined region （Waikato） to see whether the trends identified in national research studies, confirms the problem that schools are underfunded. The results of the current study identified the issues experienced by the Waikato schools and in most cases supported previous research findings. The findings of the current study also suggest that schools share the dilemmas associated with limited government funding and rely significantly on local funding sources to achieve their basic objectives. Although schools may be effective in the management of their school objectives, there is more government funding required to relieve the pressures and challenges.