Adjustment of Basle Capital Agreement will influence the risk management and capital arrangement demand of the banks with different scales, operation level and environment. It will have widespread and profound effect ...Adjustment of Basle Capital Agreement will influence the risk management and capital arrangement demand of the banks with different scales, operation level and environment. It will have widespread and profound effect on the competition strength of every country＇s banks in the global market. Starting with illustration of the present cond（tion of risk management in China＇s banks, the paper analyzes the major problems existing in the risk management system of China＇s banking industry, then puts forward some clues and suggestions to improve and better the risk management system of China＇s banking industry.展开更多
Risk management control （RMC） system is of vital importance to firms, especially the commercial banks. However, the existing models of risk management are always built from the perspective of financial regulators an...Risk management control （RMC） system is of vital importance to firms, especially the commercial banks. However, the existing models of risk management are always built from the perspective of financial regulators and neglect the practicability within the organization. In order to better facilitate the enterprise risk management （ERM）, this paper is trying to construct a new framework of RMC system from the standpoint of the management team. The foundations of our design are COSO ERM report, as well as multi-disciplinary theories and methods, such as economy, psychology, and behavior. We establish a three-component RMC system for commercial banks, which include setting RMC standards, monitoring RMC execution, and rewarding results from standards execution. Then, we introduce an extended three-factor RMC system model. This system and its extended framework are meaningful and referential for both theory and practice of commercial banks＇ risk management.展开更多
As a result of the high economic growth in GMS （Greater Mekong Sub-region） countries, bank branches have now expanded at high rate. The expansion of new buildings, however, has not considered energy, especially ligh...As a result of the high economic growth in GMS （Greater Mekong Sub-region） countries, bank branches have now expanded at high rate. The expansion of new buildings, however, has not considered energy, especially lighting system, in the design stage. This paper presents the optimal energy management design of lighting system for the bank buildings in the countries along Mekong River, namely China, Vietnam, Cambodia, Myanmar, Laos and Thailand. The lighting system is considered in the study as most of the countries use T8 fluorescent luminaires. The LCC （life cycle cost） method has been considered for the installation and operational cost. The assumed benefit-cost ratio analysis comprises of the lifetime cycle, price of fluorescent lamps, electricity unit price, operating times and hours of lighting bulb. The T8 fluorescent luminaires with low watt loss ballast are compared with T5 fluorescent luminaires and LED lamps. Electricity rates and the cost of the investment are considered to determine the suitable selection of the lighting system in each GMS country.展开更多
For commercial bank branch, improving efficiency is very important for enhancement of overall efficiency and appraising efficiency is also an urgent problem to resolve. The paper compared the efficiency of recombining...For commercial bank branch, improving efficiency is very important for enhancement of overall efficiency and appraising efficiency is also an urgent problem to resolve. The paper compared the efficiency of recombining branch with the efficiency of no recombining branch of 23 commercial banks by using the approach of output-max CCR model of Data Envelopment Analysis （DEA）. According to the empirical results of the study, we can make some conclusions. Firstly, bank branch recombination is based on the comprehensive raising of human sources, pecuniary resources and material resources, and can be inefficient under the immature condition. Secondly, the efficiency of commercial banks can be improved enormously because their inner management and resource allocation in recombining are wasted largely. Thirdly, nowadays, commercial banks should emphasize on recomposing resources, mending technical ＆ managerial innovation and improving management level generally.展开更多
文摘Adjustment of Basle Capital Agreement will influence the risk management and capital arrangement demand of the banks with different scales, operation level and environment. It will have widespread and profound effect on the competition strength of every country＇s banks in the global market. Starting with illustration of the present cond（tion of risk management in China＇s banks, the paper analyzes the major problems existing in the risk management system of China＇s banking industry, then puts forward some clues and suggestions to improve and better the risk management system of China＇s banking industry.
文摘Risk management control （RMC） system is of vital importance to firms, especially the commercial banks. However, the existing models of risk management are always built from the perspective of financial regulators and neglect the practicability within the organization. In order to better facilitate the enterprise risk management （ERM）, this paper is trying to construct a new framework of RMC system from the standpoint of the management team. The foundations of our design are COSO ERM report, as well as multi-disciplinary theories and methods, such as economy, psychology, and behavior. We establish a three-component RMC system for commercial banks, which include setting RMC standards, monitoring RMC execution, and rewarding results from standards execution. Then, we introduce an extended three-factor RMC system model. This system and its extended framework are meaningful and referential for both theory and practice of commercial banks＇ risk management.
文摘As a result of the high economic growth in GMS （Greater Mekong Sub-region） countries, bank branches have now expanded at high rate. The expansion of new buildings, however, has not considered energy, especially lighting system, in the design stage. This paper presents the optimal energy management design of lighting system for the bank buildings in the countries along Mekong River, namely China, Vietnam, Cambodia, Myanmar, Laos and Thailand. The lighting system is considered in the study as most of the countries use T8 fluorescent luminaires. The LCC （life cycle cost） method has been considered for the installation and operational cost. The assumed benefit-cost ratio analysis comprises of the lifetime cycle, price of fluorescent lamps, electricity unit price, operating times and hours of lighting bulb. The T8 fluorescent luminaires with low watt loss ballast are compared with T5 fluorescent luminaires and LED lamps. Electricity rates and the cost of the investment are considered to determine the suitable selection of the lighting system in each GMS country.
文摘For commercial bank branch, improving efficiency is very important for enhancement of overall efficiency and appraising efficiency is also an urgent problem to resolve. The paper compared the efficiency of recombining branch with the efficiency of no recombining branch of 23 commercial banks by using the approach of output-max CCR model of Data Envelopment Analysis （DEA）. According to the empirical results of the study, we can make some conclusions. Firstly, bank branch recombination is based on the comprehensive raising of human sources, pecuniary resources and material resources, and can be inefficient under the immature condition. Secondly, the efficiency of commercial banks can be improved enormously because their inner management and resource allocation in recombining are wasted largely. Thirdly, nowadays, commercial banks should emphasize on recomposing resources, mending technical ＆ managerial innovation and improving management level generally.
