画龙点睛谁挥笔——访香港银利集团董事局主席刘盈福

“淮河路改造是合肥市旧城改造中的画龙点睛之笔,我们一直在等待一位有实力、有诚意的投资者和我们共同绘好这一笔,今天终于等到了。”安徽省委副书记、合肥市委书记王太华在此所说的这位“投资者”,便是香港银利企业集团董事局主席刘盈福。刘先生继93年10月25日首次访肥后。

不怯商战——访省工商联执委、银利股份有限公司总经理陈玉全

陈玉全除了衣着讲究,看不到更多的特别之处。我到银利股份有限公司成都火车站商场去采访他,打听良久,才找到他那一点也不气派的办公室。刚迈不惑之年的陈总,随和、健谈,绝对没有许多成功者身上弥漫的那种“傲气”和“豪气”。他说:成功是一种警界,一种鞭策,而不是包袱。的确,富于创造和开拓的人,总不在乎所谓的外在“气质”,而更注重于睿智和勇气的积淀。

成都银利实业贸易股份有限公司

1993年3月12日成都银利实业贸易股份有限公司由成都市体制改革委员会批准成立,成为具有独立法人资格的股份制企业。公司由成都火车站商场、四川省信托投资公司、四川川信地产房产开发有限公司、成都市青羊区财政信用投资公司、广州迪生集团、重庆双碑贸易公司等六家实力雄厚的金融、商业企业联合发起创立,公司注册资本金5800万元。 银利公司前身、第一发起人成都火车站商场系四川省,成都市大型商业骨干企业,位于成都市火车北站广场东侧,商场自1988年开业以来,发展迅猛,年销售税利均以30％幅度递增,并由单一的商品经营向餐饮、娱乐、加工业全方位发展,现已具备年销售9000万元,创税利800万元经营实力。

立足整体素质的提高——银利木业总公司发展壮大的新思路

银利木业总公司是1992年底筹建、1993年投产的新企业,现有职工336人,下属企业4家,主要生产防火板、温康纳弯曲板、模压板、胶粘剂及木制品(办公用具、家具、厨房用具)。公司从开办至今,虽然还不到4年,然而下面的一连串数字却告诉我们,她已取得了一般乡镇企业难以取得的生产经营成果: 1993年2个企业投产,实现产值1100万元。

曾宪梓拓展内地新思路

今年两会期间,香港“金利来”集团公司董事局主席、全国人大常委曾宪梓先生在畅谈内地与香港共同发展繁荣时透露:“金利来”集团总部将于近期内迁广州,这表明我们对祖国的经济发展充满信心。最近,在新一届政府的领导和支持下,位于广州的“金利来”总部那座32层高的大楼很快就要建成,它将成为“

A Tentative Analysis of the Use of Potential by Commercial Bank in Controlling Credit Scale

This article brings forward the conception of potential and filed potential in bank's competition under the inspiration of law of electric current in electrodynamics. It discusses the impact of potential shifting on commercial bank's credit scale and builds up a model for commercial bank to control the scale by credit pricing and risk policy in a dynamic way, and also gives some advice to domestic commercial bank for improving loan business, aiming to settle down the existing credit management problems.

Comparison of Earnings Power between State Commercial Banks and Stock Banks

As earnings power is one of the primary capacities for commercial banks, by analyzing several indexes on banks' operation performance, this article compared the earnings power between the state banks and the stock banks in China. Through the analysis, some problems of domestic banks may be found and pointed out that the commercial bank should stress on the target of profit maximum to avoid the financial risks. With enough earnings power, the domestic banks can take the challenge with those foreign banks entering domestic money market.

Chinese Patent, A Tentative Explanation of Various Strategies of Patenting

The recent increase in patent granted in China prompts for an analysis of the various strategies which are certainly developed by Chinese applicants in that field. An analysis （APA Automatic Patent Analysis） has been done in several fields which have different impacts on the Chinese economy. We chose four different subjects： solar panels; photovoltaic panels; fireworks; and honeysuckle. These areas go from deep international concern to only Chinese interest. We analyzed in the different ratios between Chinese priority patents, Chinese patents extended to other countries, Patent extended from other countries to China and Chinese utility models. The results show clearly that various directions are followed depending on the economic importance of the field and also the pressure of the competition inside and outside China. In this context the strategic dependence （number of patents extended to China by other countries） was examined for each of the fields. We also show that in the domain where the man power is important such as fireworks the number of utility models is important. This suggests that utility models are used to spread in that field minor innovations. In the fields such as honeysuckle many applicants are the same that the inventors and the involvement of universities larger than in other fields. These two fields more or less centered on Chinese domestic aspects only a few patents （not for Honeysuckle） are extended to other countries. The impact of foreign patents in these two fields is quasi nil. In other domains such as photovoltaic panel the triadic patents （extension to US JP EP） are examined its show that if some Chinese patents are extended to other countries there are also an important numbers of foreign patents extended to China. This also suggests that in these most critical subjects, China develops a sort of technological protection barrier from domestic patents. This underlines a strategy on attack and defense in that field.

The Impact of Corporate Governance on Banks Performance and Loan Quality： Evidence From Italian Cooperative Banks

In the banking system, a context characterized by growing instability and by the speed of evolution of business dynamics, the system of corporate governance plays a key role, both for large banks and for banks with a smaller size. The paper aims to investigate the influence of corporate governance of the banks that operate in the cooperative credit system on performance and quality of loans, over the years 2010-2011-2012. In order to achieve this aim, the following research hypotheses have been formulated： There is a statistically significant relationship between the size and the structure of the board and banks Performance operating in the cooperative credit system; there is a statistically significant relationship between the size and structure of the board and the credit quality of banks operating in the cooperative credit system. The analysis is conducted on a sample composed of 48 Italian banks, divided into 24 cooperative banks and 24 popular banks. The sample is made up of banks from all over Italy and very different in terms of dimension. For the sample construction, data relative to governance of banks were collected from the balance sheets in the period from June to August 2014. Financial-economic data were collected from the Financial Statements and from Bankscope database. The methodology of analysis is based on multivariate OLS （ordinary least squares） regression models. The main results refer to the presence of significant relationships between board dimension and the quality of loans and among the number of committees and performance and the quality of loans. The presence of a significant and negative relationship between the board dimension and the ratio of impaired loans to gross loans indicates the possibility that enlargement of board dimension allows a better quality of loans. The presence of a positive relationship between the number of committees and the ratio of impaired loans to gross loans signals the possibility that a greater number of committees can produce a worse quality of loans. The presence of a negative relationship between the number of committees and bank performance suggests to limit and manage the complexity of governance in banks operating in the cooperative credit system.

Study on Daily Accounting Profit Feasibility of Banking Based on Data Center

By the end of 2013, Chinese large-scaled commercial banks have basically completed the construction of IT banking system, in order to provide technical guarantee of deepening business operation and operation management reform. This indicates that our national banking industry information technology has been in a new level. This paper, based on the operation principle of commercial bank safety, liquidity and profitability, makes research on improving commercial banking profit data timeliness, accuracy, integrity and realizing daily accounting profit. According to survey, the four big banks have proposed the prospect of 2013 full scope implementing daily accounting profit. Thus, this paper, based on the profit accounting status of four big banks of data center, analyzes the feasibility of daily accounting profit and puts forward the relevant solutions.

Business Strategy and Perceived Benefits of Internet Banking: Their Impact on Banks' Strategic Responses to China's Entry to WTO

With the entry to WTO and development of IT, banks in China are adjusting their competitive strategies to meet the competition. Internet banking has become a kind of strategic choice to response to the entry to WTO. Based on relevantly selective reviews of literature of strategy theory and research, a model is developed to study banks' strategic response to entry to WTO. According to a survey of 192 sets of questionnaires, this study finds that external pressure, business strategy and perceived benefits of Internet banking would influence banks' perceived increase in Internet banking investment. And banks' perceived increase in Internet banking investment has no difference between big banks and small banks.

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.

Chinese banking system： Peculiarities in a comparison with Italian case

The analysis of principal data on Chinese banks highlights how they are exposed to credit risk, primarily generated from loans to public companies. Chinese banks have a good capital provision; The analysis of economic data describes a system oriented towards relationship lending; The average profitability per employee shows wide margins of improvement in terms of efficiency and technological equipment. The comparison with the case of Italy, which like China can be considered an economy heavily oriented to banking intermediation, it is useful to highlight some peculiarities of the Chinese banking system.

Substitution or Complementarity Between ＂Soft＂ Information and ＂Hard＂ Information： Why and Which Effect on Bank Profitability？

The Basel II committee sets their customers. This new up directives encouraging banks to use internal scores in order to assess the risk of form of information competes with the existing ones. Small and medium-sized enterprises （SMEs） are most concerned by these new stakes, due to the lack of transparency. The aim of this paper is to understand the determinants of the choice between substitution and complementarity between the two types of information： ＂soft＂ and ＂hard＂, to test a potential effect of this choice on the banking performance and to describe which variables are involved in the decision-making process. The originality of this work is to try to quantify the information costs and to use it as a variable which is affecting the adopted choice.

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.

Application of Pectin Crude Extract from Krung Kha Mao Leaves （Cissampelos pareira L.） for Immobilization of Lactobacillus casei subsp, rhamnosus TISTR 108 and Lactobacillus delbrueckii subsp, bulgaricus TISTR 1339 on Lactic Acid Production

The research was first to perform the utilization of novel and cheap pectin crude extract from Krung Kha Mao leaves （Cissampelos pareira L.） to immobilize cells of Lactobacillus casei subsp, rhamnosus TISTR 108 and Lactobacillus delbrueckii subsp, bulgaricus TISTR 1339 for lactic acid production, the optimum condition of immobilized cells was produced significantly at 5% of probability, that the highest lactic acid has been 38.50 and 33.66 g/L in steady state of whey medium for 96 and 108 h, respectively. Both strains were immobilized by 4% （w/w） of pectin crude extract from Krung Kha Mao （KKM pectin） leaves, 1.52 mm inner diameters of silicone tube and 5% （v/v） inoculum for immobilization. Efficiency of lactic acid production was compared by immobilized cells ofL. casei subsp, rhamnosus TISTR 108 when KKM pectin, commercial citrus pectin, commercial apple pectin and sodium alginate were used as supporting materials to produce lactic acid 38.50, 38.76, 30.43 and 34.56 g/L, respectively, the productivity of lactic acid has been 0.40, 0.40, 0.36 and 0.36 g/L h, respectively.

Italian Banking Sector and Value Creation

The finn value is the fundamental topic of corporate finance. The value creation is the aim of economic initiatives, strategies, corporate policies, and all business activities, including banking. It depends, among other things, on size, legal form, and business model. Therefore, this paper wants to demonstrate and explain the differences about the value created in the Italian banking sector, where there is much diversity regarding size, legal form, and business model. This paper estimated and compared the value of Italian listed companies from 2010 to 2012 and found the result： Banks create more value if they are big and operate in investment banking. Furthermore, it proved that legal form hasn＇t influenced performance and value of banks.

An Evaluation of the Effect of Credit Risk Management （CRM） on the Profitability of Nigerian Banks

This paper assesses the effect of credit risk management （CRM） on the profitability of Nigerian banks with a view to discovering the extent to which default rate （DR）, cost per loan asset （CLA）, and capital adequacy ratio （CAR） influence return on asset （ROA） as a measure of banks＇ profitability. Data were generated from secondary sources, specifically, the annual reports and accounts of quoted banks from 2002 to 2011. Descriptive statistics, correlation, as well as random-effect generalized least square （GLS） regression techniques were utilized as tools of analysis in the study. The findings establish that CRM as measured by three independent variables has a significant positive effect on the profitability of Nigerian banks as indicated by the coefficient of determinations ＂R2 value＂ which shows the within and between values of 40.89% and 58.35% （which are impressive） while the overall R2 iS 43.91%, indicating that the variables considered in the model account for about 44% change in the dependent variable, that is, profitability. The study recommends that banks＇ management should be more scientific （application of risk evaluation techniques） in their credit risk assessment and management of loan portfolios in order to minimize the high incidence of non-performing loans and their negative effect on profitability.