浅析农村商业银行的市场定位

农村、农业和农民即所谓的“三农”问题,始终是中国的根本问题。建立新的农村金融体系,充分发挥农村商业银行的金融作用,既是深化农村信用改革的需要,也是当前农村经济工作的需要。本文从农村商业银行机构模式、经营方针、市场定位和金融监管等方面,提出积极发展农村商业银行,加快农村金融改革的几点思考。

《关于推进农村商业银行坚守定位强化治理提升金融服务能力的意见》解读

银保监会于近日发布了《关于推进农村商业银行坚守定位强化治理提升金融服务能力的意见》(以下简称"意见"),旨在推进农村商业银行更好地回归县域法人机构本源、专注支农支小信贷主业,增强金融服实体务能力,支持农业农村发展,解决小微企业融资难融资贵问题。实际上,《意见》是对国务院关于印发深化农村信用社改革试点方案的通知(国发〔2003〕15号)的进一步强调和细化。我们现在需要从这个《意见》最本源的角度进行理解,涉及战略、管控与运营三个层面。

“客户中心式”管理模式在我国发展趋势探讨

"客户中心式"管理模式保证了商业银行经营管理的安全性与盈利性,有利于商业银行的长期可持续发展。在我国,"客户中心式"管理模式还涉及到了商业银行混业和分业经营与银行定位的问题。因此,试图从这两方面来探讨"客户中心式"管理模式在我国的发展状况与趋势。

析工商银行的定位与发展

本世纪末,国有独资专业银行将改制为有限责任公司形式的国有独资商业银行。作为国有独资银行成员之一的工商银行如何顺应历史潮流,实现从形式到内容一体化的转变,完全按商业银行的机制运作,在同业竞争中,如何找准自己的量佳位置,寻求到拓展业务、提高效益和突破口,以实现“两个根本转变”,在竞争中求生存、求发展。在此,笔者对此问题谈点粗浅看法。

Distribution Orientation and Driving Mechanism of Geographical Pattern Change of China′s Banking Industry

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.

基于深度学习的银行卡号识别系统

在银行卡号识别系统中,主要包括数据集处理、银行卡卡号定位检测、图像预处理与字符分割、神经网络训练与字符识别以及GUI界面设计这五个部分。本文提出基于深度学习的银行卡识别系统。该系统主要分为两个部分:卡号定位和字符识别。首先基于深度学习利用CNN对银行卡图像进行卡号文本特征提取,初步定位银行卡卡号区域;然后进行图像预处理以及字符分割;接着进行神经网络的训练以及字符的识别,此过程利用OCR进行文本识别;最终通过GUI提供良好的用户交互界面。此系统具有较高的定位率及较高的识别速度,能对各种银行卡进行定位,有利于后面的字符分割和识别。