浅论我国商业银行的内部控制

针对当前我国商业银行内部控制存在的制度空缺风险、制度建设滞后以及部分制度针对性差等主要问题,分析其存在的原因,提出通过建立良好的公司治理结构、选择正确的管理架构模式、强化和健全商业银行’的内控构架来加强我国商业银行的内部控制。     

Hypersensitizing commercial panchromatic plates

Since ammonia, when added to the dye bath in preparing bathed plates, increases the sensitizing action of the dye, its action on commercial plates was investigated.In the course of the work three methods of sensitometry were used. Of these, one was used as a first qualitative test; the second, the spectrograph method, was used to study the effect of the ammonia on the sensitivity of the plate to each wave-length; the third, the Hurter and Driffield method, gives the absolute value of the speed of the plate.It was found that by bathing commercial panchromatic plates in a solution of 25 c.c. ethyl-alcohol, 75 c.c. water, and 3 c.c. of strong ammonia water (20 per cent. NH₃) for four minutes at 18° C. and drying rapidly, the speed to white light is increased 100 per cent. in nearly all cases, and the sensitivity in the red. extended one hundred or more Ångström units. The speed in the red is increased, in many cases, 400 per cent. If the plates be bathed without the alcohol (100 c.c. water, $\text{3}\text{1}\text{2}$ c.c. ammonia water) the speed is still more increased, but the plates should be used immediately after drying.Ordinary plates do not have their sensitivity appreciably changed. Most brands of orthochromatic plates are not improved, although one, the Cramer Trichromatic, showed the same increase as the panchromatic plate.     

中国商业银行X效率实证研究

银行效率的研究是当前国内外金融行业和监管当局研究的重点课题之一。为此,提出了采用修正产出法确定参数法中的投入和产出项,然后再通过参数法来估算银行X-效率值的方法,并应用该方法对中国十七家商业银行1996年至2006年间的效率状况进行了实证分析,实证结果表明:提高赢利能力将是中国商业银行提升效率的重要途径。     

国外商业银行表外业务风险监管现状及对我国商业银行的影响

从修订的《巴塞尔新资本协议》三大支柱出发,分别从表外业务风险计量方法、商业银行内部控制以及表外业务信息披露三个方面,讨论分析了国外商业银行表外业务风险监管的研究现状,借此对我国商业银行表外业务的风险监管起到借鉴作用。     

金融发展和贸易结构优化

贸易结构是一国参与国际分工的国内生产的组织方式,决定获取贸易利益多寡。我国的贸易结构长期以来以劳动力和自然资源为贸易主要优势,缺乏在高技术层面上的贸易结构单元和多元化。探讨了如何借助于当前我国金融发展的局面构建我国中高层次的贸易结构。