金融脱媒的界定、机理与测度

目前,对金融脱媒形成的经济学原理进行系统阐述的文献十分少见,也鲜有文献综合比较金融脱媒的各种测度方法。在界定金融脱媒基本概念及产生背景的基础上,本文主要采用文献综述的方法,首先阐释了金融脱媒形成的经济学原理,然后比较分析了金融脱媒的各种测度方法并对相关问题的未来研究趋势进行探讨。本文认为,金融脱媒不只是资金需求的脱媒,也是资金供给的脱媒;金融脱媒不只是金融活动的去中介化,还包括金融中介的虚拟化;中国金融脱媒的测度不能只考虑负债层面,还要考虑资产层面,金融负债和资产的范围应包括影子银行和互联网金融等新型金融行业。

金融资本向实体经济流动适度性政策研究

近年来,在我国经济由高速发展向高质量稳定发展过渡的过程中,由于金融资本市场发展速度大大超过实体经济发展速度,且对金融资本流向实体经济的有效传导机制缺乏适当政策支持,导致社会资本脱实向虚问题日益突出,中小企业融资难、融资贵问题日渐凸显。为此中央政府出台了一系列政策措施来扭转这一局面,并取得了一定效果。为进一步解决这一问题,还需要在深化金融供给侧结构性改革、完善货币政策传导机制、加快商业银行改革等方面做出努力。

农村信用社可持续发展资金运作调查——基于湖南省岳阳市农村信用社调研

湖南省岳阳市,经济基础较好,产业结构相对优化,农村人均纯收入较高,经济比较活跃,但该地区的农村信用社一直处于亏损状态。为解决探究这一现象,通过实地调研,分析该市农村信用社资金来源、资金用途、资金绩效、资金运作中存在的问题,可行的资金创新工具。最后贯穿全过程的资金运作分析,结合金融危机这一大的宏观背景,给出政策建议。

Risks Matrixes Risks Assessment Tools of Small and Medium-Sized Enterprises： The Case of Latvia

The enterprises need to assess the risk dynamic of financial instability and its impact on small and medium-sized enterprises＇ development, because it is important for enterprises to extend commercial activity and to open a new structural subdivision. We have researched types of risks, their identification, classification, and assessment possibilities in activities of small and medium-sized enterprises. We have used our own algorithm of identification, classification, and assessment of enterprises＇ risks. The goal of this research is to study the economic and financial risks＇ impact on small and medium-sized enterprises＇ development in Latvia. For study purpose, we have carried out the questionnaire of representative small and medium-sized enterprises about the economic and financial risks＇ impact on enterprises＇ development in Latvia. We have created classification of Latvian services sectors＇ economic and financial risks in the period from 2011 to 2012. Those risks have been included in the questionnaire. The risks matrix is a quantitative assessment tool of risks. We have created Latvian service sector economic and financial risks matrix. We have arranged risks by their sizes of possible losses for enterprises. For each risk has been assessed its probability of realization. We have created Latvian accommodations （hotel） and food services technological process risks map. Several parts of the risk map （segments） make it possible to assess each type of the risk separately in its segment. Risks matrix can be used to choose enterprises＇ strategy of risk management. Enterprise＇s strategy of risk management is developed by analysing zones of risk level.

“破茧重生”再出发

对农村金融机构而言,最为关键的是要积极把握并顺应金融深化改革的趋势,转变经营理念,走资本节约、创新驱动、内涵增长的可持续发展道路十年来,重庆农商行紧随中国农村金融改革步伐,不断深化改革,加快发展,取得了阶段性成果,积累了一定经验。改革十年来,重庆农商行从一家实力较弱的农信社转变为上市的商业银行。从这十年的改革发展情况来看,重庆农商行之所以能够取得一定的成效,关键在于抓住了时代赋予的每一次机遇,大胆实践,探索适合自己特色的发展路径。