The Impact of Foreign Bank Strategies on the Behavior and Performance of Czech and Slovak Banks in the Financial Crisis

In this paper, the authors analyze the impact of the specific ownership structure of the banking sector in Czech and Slovakia on the performance and applied strategies of particular banks during times of crisis. Did the multinational banks pursue a coherent regional strategy to cope with the risks resulting from the crisis, or did they focus on finding local solutions？ The aim of this paper is to find answers to these questions. A case study is going to be used as a basic research method. Two members （Slovak and Czech） of four multinational banking groups are examined in the crisis year 2009, whereby both a qualitative analysis of the annual reports regarding strategic business or risk management decisions and a comparative quantitative analysis of selected financial data and risk indicators are employed. The authors have found that Czech and Slovak banks generally tried to follow the main strategic directions given by their parent banks during the financial crisis. However, particular financial results and risk profiles of respective subsidiaries of multinational banks still differ because of market factors specific to the different countries in which the subsidiaries are located.

Loan Strategies to Small and Medium Size Enterprises:An Analysis of Determining Factors of“Subsidiary Banks”in the Cameroonian Context

This paper proposes to present an overview of determining factors of the granting of loan to Small and Medium Size Enterprises(SMSE)by the subsidiaries of multinational banks in Cameroon.The analysis of the data collected following interviews with banking employees conducted in accordance with the method of thematic content analysis reveals that two categories of factors play a major role in the decision of the banker:parameters relating to the characteristics of the SMSE applying for a loan and elements specific to the context of study.The combination of these factors contributes to the reinforcement of the already transactional attitude of these subsidiary banks in the area of experimentation of the study.

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.

Industries in Western Region Mismatch MNC Investment Strategies in China

Using the "matching extent" method,this article conducts a multi-perspective analysis on the compatibility of the investment strategies of the western region and MNCs,as well as national policies on foreign investment. Research indicates that low matching extent amongst the above three decision-makers is an important reason for the disadvantage of the western region in terms of FDI attraction,and this situation will not change in the short term. In addition,this article also sheds light on how to increase matching extent.

Development Strategy of Intermediate Business of Commercial Banks—Take Bank H as an Example

At the beginning of this paper,the development process of intermediate business of commercial Banks in China was introduced.Taking bank H as the research object,the annual report data of bank H in the past 8 years(2010-2017)were collected as the basic data.First,it analyzes the growth rate and trend of the development of intermediary business of bank H,finds out the problems existing in the development of intermediary business of bank H and explores the reasons for the problems.Then,PEST analysis method and porter's five forces model are respectively applied to analyze the development environment of intermediate business of bank H.Finally,based on the above analysis,the author proposes substantial and individual solutions to the existing problems,such as channel extension strategy,market segmentation strategy and market independent pricing strategy.

Research on the Reasonable Strategy of the Development of Commercial Banks under the Perspective of P2P Internet Financial Risks

In this paper, we conduct research on the reasonable strategy of the development of commercial banks under the perspective of P2P Internet financial risks. P2P financial model mainly for China＇ s small and medium enterprises and individuals to provides financing services. Generally need to use e-commerce professional network platform lending to help both sides to establish lending relationship and complete the related formalities. Traditional commercial banks need reform to keep up with the novel financial tools related to the Internet financing which will be discussed below.

International Banks in China： Theoretical and Empirical Data

The growth of international banks in China occurred after the ＂open-door＂ policy implemented. With the China accession to WTO, the effect of international banks to our economy and politics become more important. If international banks want to succeed in China over the next ten years so that the market as a whole develops and matures, they need the Chinese banks to be successful in their restructuring program. There is truly a win-win outcome here if all segments of the banking community recognize the benefit of improving the competitiveness of the Chinese banking industry as a whole. This article analyzes the pattern and strategy of expansion of international banks in China, for the purpose of showing some enlightenment to domestic banks.

数字社会下银行智能产品适老化设计研究综述

本文旨在通过文献研究,梳理当前银行智能产品适老化设计改良的现状,揭i示研究的不足,并探讨未来的发展趋势,为相关研究人员提供参考。利用CteSpace分析近国内银行智能产品适老化设计研究的关键节点文献、热点领域等问题。通过文献分析法和内容分析法对国内外文献进行分析,了解银行智能产品适老化设计的研究现状。完成对银行智能产品适老化设计的发展过程、应用、优势及未来趋势的设计综述。国内对于银行智能设备适老化的研究目前处于探索和起步阶段。老年人使用银行智能产品所出现的问题并没有解决,银行智能产品适老化设计还有着较大的发展空间。与其他学科相结合的银行智能产品适老化设计改良的应用研究会成为重中之重。

终身教育体系下的学分银行建设:现状、问题与对策

针对终身教育体系下学分银行在实际建设过程中面临的现状问题,提出科学的应对策略,进一步推动学分银行在我国教育事业中的成长与发展;通过建立学分银行这一模式,真正地展现出现代化教育存在的意义和价值,为学习者提供一个公正、公平、客观、透明的教育环境,提升教育工作的质量和效率,助力学习者的学习与进步。

供应链信用风险传染、银行策略与风险控制

在供应链断裂、新冠疫情等突发事件冲击下,供应链企业间的信用风险传染问题日益凸显。制定有效的风险遏制措施,已成为供应链风险管理领域亟待解决的重要问题。通过对供应链关联关系与信用风险传染路径进行剖析,构建了供应商、零售商、银行三方博弈模型,探究了银行策略选择对供应链信用风险传染的遏制作用。研究结果显示:虽然产品价格和生产成本等因素的变化对信用风险传染强度有显著影响,但银行可以通过选择最优授信比率,将传染强度控制在较低水平并实现其自身收益的局部最优化。若进一步采取贷款利率与授信比率相配合的双重授信策略,银行有可能将传染强度控制在适度水平并同时实现收益的全局最优化。

数字货币对商业银行的影响和对策分析

随着央行数字货币政策的落实和数字人民币App的大范围推广,数字经济时代已经到来。商业银行作为数字货币的中转机构,继续承担着信用中介的重要职能。在新形势下,商业银行要完成自身产业升级,应该抓住机遇,积极地进行变革。首先梳理了数字货币的特征和发行必要性,得出其能够保障货币主权,具有匿名支付和保护客户隐私的特点。其次,数字货币能够增加资金流动性、为商业银行提供精准的交易数据,为商业银行带来的机遇的同时,对其数字化转型和机构变革提出了更高的要求和挑战。最后,从内部组织架构的变革、盈利模式改变、数字货币场景建设及线下网点变革等方面对商业银行的应对策略进行具体阐述。

松嫩平原赖草种群的实际营养繁殖力及芽流模型

为了评估无性系实际营养繁殖力对植物种群增长的影响,本文基于同质园建立的赖草(Leymus secalinus)实验同生群,以单个无性系营养繁殖指标衡量实际营养繁殖力,分析了两个年份赖草单个无性系构件生产和生长的阶段性和连续性增长规律,并构建芽流模型。结果表明,赖草无性系在当年和翌年根茎总长度、根茎数、芽数等营养繁殖指标均具有较大可塑性,变异系数均大于74%。在年份间,实际营养繁殖力的增长大于营养繁殖力的增长。在根茎生长序列中,根茎总长度、根茎数、分株数、活芽总数、活构件总数的阶段性和连续性增长过程均符合指数模式。在芽流中,两个年份赖草无性系营养繁殖失败率均低于1%,而成功率均较高,当年为40.6%,翌年为58.1%,其中,分株输出率分别是根茎的4.3倍和5.5倍。无性系实际营养繁殖力的可塑性体现了植物种群生存对策,小无性系采取优先占据更多地上空间的策略。

基于多状态量特征的电网安全稳定紧急控制策略制定方法

高比例新能源大电网的运行方式呈现强不确定性和强非线性,利用单一状态量作为方式字(如断面功率)制定的紧急控制策略失配风险愈发增加。基于扩展等面积准则量化分析理论,分析了节点功率注入空间变化引起主导模式稳定性变化及紧急控制策略失配的机理,提出了一种从海量节点功率注入空间中获取影响策略失配的主导特征挖掘方法。基于主导特征的暂态稳定参与因子,通过主导特征量的分群聚合,提出基于多状态量特征的紧急控制策略扩展方式字确定方法。通过扩展紧急控制策略方式字,降低离线紧急控制策略失配风险,提高紧急控制策略的适应性。最后,以实际电网的算例验证了所提方法的有效性。

基于区块链技术的商业银行风险管理现状与对策

区块链是数字金融发展的基础性技术,在商业银行风险管理中具有重要的应用,其去中心化、可溯源、信息不可篡改和伪造、智能合约等特征,能够有效提高商业银行业务交易的安全性和风险管理的实效性。本文将基于区块链技术在商业银行风险管理方面的应用优势进行分析,明确商业银行风险管理现状,并通过制定商业银行风险管理策略,探究区块链技术在商业银行风险管理中发挥的实际作用,提升商业银行以区块链技术应用为载体的风险管理能力。

吉林省中小型商业银行内控文化建设现状与改进策略研究

内控文化能潜移默化地影响员工的价值观念和行为准则,是商业银行持续健康经营的重要影响因素,是防范和控制商业银行经营风险、提升市场竞争能力的重要手段。吉林省作为我国东北地区的重要省份,商业银行内控文化的发展情况直接关系到区域经济的平稳与发展。分析吉林省中小型商业银行内控文化建设的现状,剖析其不足,并据此提出相应的对策建议,具有一定的现实意义。

农村金融发展对农业经济的影响

自2017年提出乡村振兴战略以来,我国对“三农”问题的关注和投入显著增加,关注农业、农村和农民的发展,旨在全面提升农村的发展水平。该文选取山东济宁兖州区为研究对象,分析该地区农业经济结构,从银行、保险和政府3个层面分析该地区金融技术对农业经济发展的影响与作用机理,分析该地区信贷产品、保鲜模式和融资担保模式对农业经济的推动作用,通过深入的实证分析和综合研究,为如何进一步推动农村金融服务和提升农业经济的发展提供了有价值的见解和建议。

商业银行内部控制的常见问题及对策

有效识别和防范各类重大风险作为商业银行核心内容,内部控制是规范业务开展,科学配置资源,确保资产完整、安全的重要举措,对商业银行高质量发展具有促进作用。基于此,文章结合当前发展形势,阐述商业银行内部控制的意义,客观、全面分析商业银行内部控制中的缺陷和不足,找到各类问题形成的原因,从多维度、多层次提出解决策略,切实提升内部控制有效性,帮助商业银行高效开展。

国家储备林建设对绿色发展的影响

国家储备林建设是事关林草产业高质量发展的关键。文中结合国家储备林项目建设的由来及运行模式,解析项目建设的特点;围绕森林资源和生态建设、“双碳”目标实施、区域经济发展方式,分析国家储备林项目建设对绿色发展的影响,总结国家储备林项目建设存在的一些问题和不足;在此基础上,提出项目建设措施建议,包括加强政府部门政策支持和监督检查、进一步促进项目建设科技创新、加强各地项目建设经验交流及合作等,以期为科学实施林草产业高质量发展提供参考。

农商银行税收筹划的涉税风险与规避研究

随着社会进步和农村经济发展,农商银行获得了巨大的发展机遇,其规模和效益显著提升,但随之而来的税收问题也更为复杂。近年来,我国的税收改革持续推进,各种税收法律政策逐步完善,对企业和组织来说,税收筹划、规避涉税风险是保证自身健康发展必不可少的路径。因此,农商银行同样也要重视税收筹划。基于此,文章对农商银行的税收筹划进行了探讨,分析了农商银行中可能存在的涉税风险,并从法律、人才、管理、交流、信息技术等方面研究了规避税收风险的方法,以保障农商银行的健康可持续运行和发展。

基层商业银行财务资源配置优化路径探究

基层商业银行作为金融体系的重要组成部分,承担着服务实体经济、促进区域发展的重要使命。然而,基层商业银行在财务资源配置方面存在着诸多问题,文章从财务资源配置理论出发,分析了基层商业银行财务资源配置存在的问题及其成因,提出了基于履职质效提升的基层商业银行财务资源配置优化策略,包括坚持战略目标导向、优化组织架构、加强人员培训等,旨在为基层商业银行提高财务资源配置效率、提升履职质效、降低运营成本,以及实现可持续发展提供支持。