The aim of the article is to determine the extent to which customer satisfaction＇s in the e-banking in Semnan area had organizational and customer readiness for developing their services. One of the most important se...The aim of the article is to determine the extent to which customer satisfaction＇s in the e-banking in Semnan area had organizational and customer readiness for developing their services. One of the most important sectors that plays key role for grasping developed condition is banking sector. Banks like other institutions also look for augmenting their profits and increasing their strength by expansion. The designing of bank must involve selection of those that have sufficient success potential. Hence, from several factors of success, the following three criteria factors have been： selected-customer satisfied, one dimensional, and product fully functional. These factors offers three question multi criteria group extracted from a 16 norms. Also, three criteria factors have been studied over a period of five years and important criteria for evaluating the norms. The Analytical Hierarchy Process （AHP） has been employed to calculate the success potential of each norm. The empirical data comprises the longitudinal survey of the agricultural banking of the Semnan province. The paper, also, finds that product fully functional is placed as the first priority.展开更多
By analyzing the relationship among government, market driving forces, distribution orientation of banking industry, service opportunity equality and spatial patterns, this paper proposes that it is distribution orien...By analyzing the relationship among government, market driving forces, distribution orientation of banking industry, service opportunity equality and spatial patterns, this paper proposes that it is distribution orientation that lead to the formation and evolution of spatial pattern of banking industry. The difference of the distribution orientation leads to the separation of the spatial pattern of banking industry, and the change of the distribution orientation leads to the change of spatial pattern. The degree of spatial pattern change is subject to the degree of change of distribution orientation, and the scale of bank resources in the regions, which supports the distribution orientation variation. Based on these theoretical frameworks, some indicators were designed to analyze the pattern change of China′s banking industry and its effects since 1995 under the change of the distribution orientation. This paper finds that the orientation of economic benefit maximization driven by market causes the banking industry to concentrate in economically developed regions.The government, which does not follow the orientation of economic benefit maximization, plays a role of stabilizer. Since the bank branches in the regions with the greatest change in bank branch distribution are too few, and regions with the greatest change in bank loan allocation are the regions with lots of loans, the pattern change of the banking industry in physical form is not as notable as that in economic form.展开更多
Since 1995, major domestic commercial banks are beginning to have a variety of credit cards issued. However, at present, China＇s relatively low profitability of the credit card business, it accounts for a smaller pro...Since 1995, major domestic commercial banks are beginning to have a variety of credit cards issued. However, at present, China＇s relatively low profitability of the credit card business, it accounts for a smaller proportion of total bank income. By means of credit card revenue／cost structure analysis, the authors found spending and overdraft balances affecting credit card business, an important factor in profitability. At the same time, combined with a commercial bank＇s existing statistical data, using SPSS software correlation and regression analysis, the authors found that the key to improve the bank card revenue is to raise China＇s commercial banks, credit card revolving credit utilization, and expand the scale of overdraft balances.展开更多
After the 2001 economic crisis, the banking sector restructuring program （BSRP） has been designed for the establishment of a stronger financial framework and the improvement of competition in the Turkish banking sec...After the 2001 economic crisis, the banking sector restructuring program （BSRP） has been designed for the establishment of a stronger financial framework and the improvement of competition in the Turkish banking sector. The program constitutes the policies for solving specific problems such as the mismanaged assets of some banks and the recovery of regulating and supervising of the sector. This study aims to analyze the efficiency and productivity changes in the Turkish banking sector during 2002-2009. During this period the Banking Sector Restructuring Program has been applied. The data envolepment analysis （DEA） is conducted for the efficiency measurement under the production and intermediation approaches and it is observed that the efficiency of banks increased for both approaches. The mean efficiency values for the intermediation approach are higher than the values for the production approach, indicating a better functioning in financial intermediation as compared to their operational performance. The Malmquist index based on the intermediation approach is calculated to determine the productivity of the banking sector. It is observed that the productivity of banks increased during the period and the increase resulted mainly from investments in technology.展开更多
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...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.展开更多
With the rapid development and competition in bank business, Financial innovation appear constantly, private and foreign Banks are becoming the potential entrants. The original management, control and business mode al...With the rapid development and competition in bank business, Financial innovation appear constantly, private and foreign Banks are becoming the potential entrants. The original management, control and business mode already can not adapt to the new situation,it＇ s necessary to adopt the new development strategy to meet new opportunities and challenges. This article embarked from the analysis of macro environment and based on the pingxiang area characteristic analyzes the current situation of CCB pingxiang branch, puts forward some countermeasures to the implementation of the strategy of CCB pingxiang branch.展开更多
In this paper, the operating performances of the main commercial banks＇ information security management system applications are empirically researched using the DEA method of operating efficiency＇s multi-stage super...In this paper, the operating performances of the main commercial banks＇ information security management system applications are empirically researched using the DEA method of operating efficiency＇s multi-stage super efficiency. The DEA model of multi-stage super efficiency is established for the commercial bank information security system applications of China＇s banks using data envelopment analysis （DEA）, and then output efficiency, taxation efficiency, and comprehensive efficiency are analyzed by choosing eight banks such as Industrial and Commercial bank of China as sample data, and finally the operating performance of Chinese commercial banks＇ information security management system is concluded.展开更多
文摘The aim of the article is to determine the extent to which customer satisfaction＇s in the e-banking in Semnan area had organizational and customer readiness for developing their services. One of the most important sectors that plays key role for grasping developed condition is banking sector. Banks like other institutions also look for augmenting their profits and increasing their strength by expansion. The designing of bank must involve selection of those that have sufficient success potential. Hence, from several factors of success, the following three criteria factors have been： selected-customer satisfied, one dimensional, and product fully functional. These factors offers three question multi criteria group extracted from a 16 norms. Also, three criteria factors have been studied over a period of five years and important criteria for evaluating the norms. The Analytical Hierarchy Process （AHP） has been employed to calculate the success potential of each norm. The empirical data comprises the longitudinal survey of the agricultural banking of the Semnan province. The paper, also, finds that product fully functional is placed as the first priority.
基金Under the auspices of Key Program of National Natural Science Foundation of China(No.40830741)
文摘By analyzing the relationship among government, market driving forces, distribution orientation of banking industry, service opportunity equality and spatial patterns, this paper proposes that it is distribution orientation that lead to the formation and evolution of spatial pattern of banking industry. The difference of the distribution orientation leads to the separation of the spatial pattern of banking industry, and the change of the distribution orientation leads to the change of spatial pattern. The degree of spatial pattern change is subject to the degree of change of distribution orientation, and the scale of bank resources in the regions, which supports the distribution orientation variation. Based on these theoretical frameworks, some indicators were designed to analyze the pattern change of China′s banking industry and its effects since 1995 under the change of the distribution orientation. This paper finds that the orientation of economic benefit maximization driven by market causes the banking industry to concentrate in economically developed regions.The government, which does not follow the orientation of economic benefit maximization, plays a role of stabilizer. Since the bank branches in the regions with the greatest change in bank branch distribution are too few, and regions with the greatest change in bank loan allocation are the regions with lots of loans, the pattern change of the banking industry in physical form is not as notable as that in economic form.
文摘Since 1995, major domestic commercial banks are beginning to have a variety of credit cards issued. However, at present, China＇s relatively low profitability of the credit card business, it accounts for a smaller proportion of total bank income. By means of credit card revenue／cost structure analysis, the authors found spending and overdraft balances affecting credit card business, an important factor in profitability. At the same time, combined with a commercial bank＇s existing statistical data, using SPSS software correlation and regression analysis, the authors found that the key to improve the bank card revenue is to raise China＇s commercial banks, credit card revolving credit utilization, and expand the scale of overdraft balances.
文摘After the 2001 economic crisis, the banking sector restructuring program （BSRP） has been designed for the establishment of a stronger financial framework and the improvement of competition in the Turkish banking sector. The program constitutes the policies for solving specific problems such as the mismanaged assets of some banks and the recovery of regulating and supervising of the sector. This study aims to analyze the efficiency and productivity changes in the Turkish banking sector during 2002-2009. During this period the Banking Sector Restructuring Program has been applied. The data envolepment analysis （DEA） is conducted for the efficiency measurement under the production and intermediation approaches and it is observed that the efficiency of banks increased for both approaches. The mean efficiency values for the intermediation approach are higher than the values for the production approach, indicating a better functioning in financial intermediation as compared to their operational performance. The Malmquist index based on the intermediation approach is calculated to determine the productivity of the banking sector. It is observed that the productivity of banks increased during the period and the increase resulted mainly from investments in technology.
文摘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.
文摘With the rapid development and competition in bank business, Financial innovation appear constantly, private and foreign Banks are becoming the potential entrants. The original management, control and business mode already can not adapt to the new situation,it＇ s necessary to adopt the new development strategy to meet new opportunities and challenges. This article embarked from the analysis of macro environment and based on the pingxiang area characteristic analyzes the current situation of CCB pingxiang branch, puts forward some countermeasures to the implementation of the strategy of CCB pingxiang branch.
文摘In this paper, the operating performances of the main commercial banks＇ information security management system applications are empirically researched using the DEA method of operating efficiency＇s multi-stage super efficiency. The DEA model of multi-stage super efficiency is established for the commercial bank information security system applications of China＇s banks using data envelopment analysis （DEA）, and then output efficiency, taxation efficiency, and comprehensive efficiency are analyzed by choosing eight banks such as Industrial and Commercial bank of China as sample data, and finally the operating performance of Chinese commercial banks＇ information security management system is concluded.
