浅析我国网络银行的发展

在新的竞争和历史条件下,我国的银行组织体系也需要发生重大变化.网络银行的兴起和发展无疑不是一个新的课题,本文对我国网络银行的反展现状、安全危机做出了些分析也提出了一些相关的政策信息,希望中国的网络银行能发展的越来越好.     

Data envelopment analysis with classification and regression tree – a case of banking efficiency

Abstract: Data envelopment analysis (DEA) is a non‐parametric method for measuring the efficiency and productivity of decision‐making units (DMUs). On the other hand data mining techniques allow DMUs to explore and discover meaningful, previously hidden information from large databases. Classification and regression (C&R) is the commonly used decision tree in data mining. DEA determines the efficiency scores but cannot give details of factors related to inefficiency, especially if these factors are in the form of non‐numeric variables such as operational style in the banking sector. This paper proposes a framework to combine DEA with C&R for assessing the efficiency and productivity of DMUs. The result of the combined model is a set of rules that can be used by policy makers to discover reasons behind efficient and inefficient DMUs. As a case study, we use the proposed methodology to investigate factors associated with the efficiency of the banking sector in the Gulf Cooperation Council countries.     

Modeling the efficiency of top Arab banks: A DEA–neural network approach

This study investigates the efficiency of top Arab banks using two quantitative methodologies: data envelopment analysis and neural networks. The study uses a probabilistic neural network (PNN) and a traditional statistical classification method to model and classify the relative efficiency of top Arab banks. Accuracy indices are used to assess the classification accuracy of the models. Results indicate that the predictive accuracy of NN models is quite similar to that of traditional statistical methods. The study shows that the NN models have a great potential for the classification of banks’ relative efficiency due to their robustness and flexibility of modeling algorithms. From a policy perspective, this study highlights the economic importance of encouraging increased efficiency throughout the banking industry in the Arab world.     

Evaluating the performance of banking under risk regulations: a slacks‐based Data Envelopment Analysis assessment framework

Despite increasing deregulation and globalization in financial markets worldwide, banking is still one of the most regulated industries in many countries. The contribution of the present article is to introduce a slacks‐based Data Envelopment Analysis assessment framework for assessing bank efficiency and soundness in a risk regulation setting, which is missing from the banking performance literature. Two main sub‐processes within the service flow of a typical bank are considered – the primary banking business for making profit and dealing with the compliance requirements of risk regulations. A Data Envelopment Analysis model is applied to measure the performance of the two sub‐processes, that is, profit‐making efficiency and risk‐controlling efficiency. The research framework and models are applied to an empirical study of the banking sector in Taiwan covering the period 2007 – 2010. We demonstrate how to use the empirical results to monitor the efficiency status for individual banks from 1 year to another, providing an early warning for those with low efficiency. Our empirical results show that there is considerable potential for efficiency improvement in Taiwan's banking industry, and the room for risk‐controlling efficiency improvement is even larger. The two efficiency estimates are positively correlated with each other, and both have been improved year by year. However, an economic recession can lower efficiency estimates.     

An inquiry into human nature and the cost of the wealth of nations

Current economic ontology development has failed to confront two important errors associated with historicism. Embracing the linearity of economic value being directly attributed to the labor applied to natural resources taken together with efficiency arguments used to justify monetary policy on both the microlevel (transaction) and macrolevel (global trade), we know these legacies of the scientific method applied to economic systems have left the G-20 paralyzed to deal with structural failings evidenced from banking to business to economic policy. An exploration of the structural modalities that impair our current capacity for adaptation and alternative methods for accounting for value is the basis for this inquiry. Integral accounting is proposed as a more suitable method to transition from scarcity-based market models to abundance-based modes of sustainable engagement.     

Two-stage DEA: An application to major Brazilian banks

Although banking has been widely studied using standard DEA (Data Envelopment Analysis) models and its variations, these models do not in fact account for the internal structure relative to measures characterizing banking operations performance. In this paper, efficiency in Brazilian banking is measured using a two-stage process. In the first stage, called cost efficiency, number of branches and employees are used to attain a certain level of administrative and personnel expenses per year. In the second stage, called productive efficiency, these expenses allow the consecution of two important net outputs: equity and permanent assets. The network-DEA centralized efficiency model is adopted here to optimize both stages simultaneously. Results indicate that Brazilian banks are heterogeneous, with some focusing on cost efficiency and others on productive efficiency. Furthermore, cost efficiency is explained by M&A and size, while productive efficiency is explained by M&A and public status. Policy implications for the Brazilian banking sector are also derived.     

网上银行系统的安全性研究

网上银行系统的安全性极为重要,本文首先对网上银行系统的安全现状进行了描述和分析,然后分别从系统层、应用层和管理层三个方面给出多种安全措施。综合使用各种安全措施,可有效确保网上银行系统的安全。     

银行卡业务异常数据分析方法的研究与实现

分析了银行卡业务中的异常交易情况,提出了基于规则库的异常数据的挖掘方法和途径,给出了异常数据分析系统的完整实现方 案,并通过实际数据的验证来说明该方法的有效性。     

多层关联规则挖掘算法的研究及应用

针对商业银行业务系统中海量数据的分析和研究问题,提出了一种改进频繁项集挖掘算法FP-growth的多层关联规则数据挖掘算法.在对大量商业银行业务交易处理内在规律研究的基础上,依据利润度进行划分,使得该算法在满足用户需求的基础上,有效的缩小了层次结构树的规模,又加快了搜索的速度,从而提高了数据挖掘的效率.模拟算例表明,该算法有效可行,能够更好地适应商业银行交易系统层次结构在大型数据集的数据挖掘.     

Technology adoption: A conjoint analysis of consumers׳ preference on future online banking services

The importance of service delivery technology and online service adoption and usage in the banking industry has received an increased discussion in the literature in recent years. Owing to the fact that Strong online banking services are important drivers for bank performance and customer service delivery; several studies have been carried out on online banking service adoption or acceptance where services are already deployed and on the factors that influence customers׳ adoption and use or intention to use those services. However, despite the increasing discussion in the literatures, no attempt has been made to look at consumers׳ preference in terms of future online banking service adoption. This study used conjoint analysis and stated preference methods with discrete choice model to analyze the technology adoption pattern regarding consumers׳ preference for potential future online banking services in the Nigerian banking industry. The result revealed that to increase efficiency and strengthen competitiveness, banks need to promote smart and practical branded services especially self-services at the same time promote a universal adoption of e-banking system services that add entertainment or extra convenience to customers such as ease of usage including digital wallet, real-time interaction (video banking), ATMs integrated with smart phones, website customization, biometric services, and digital currency. These services can contribute to an increasing adoption of online services.     

银行CRM系统的分析与设计

银行建立以客户为中心的服务体系，对于维系老客户，争取新客户，挖掘黄金客户，增强市场竞争能力有重要的意义。目前，采用CRM管理理念，搭建服务平台，建立相应CRM系统，是银行建立性能卓越的客户服务系统的重要方法。文中介绍了CRM的管理理念和基本概念，研究了银行建立CRM系统的必要性和技术要素，给出了银行CRM系统的设计结构及其应用条件和实现步骤。并按照这一设计思路，为某商业银行初步设计实施了一套银行CRM系统。     

An analysis of the relationship between quality and user acceptance in smartphone apps

This study investigates consumer intentions within the smartphone app environment. More specifically, it studies the factors influencing the intention to use banking apps based on the smartphone by employing the information system success model and a revised technology acceptance model. The study examines how quality factors and attitudes toward mobile apps-based banking influence the intention to use banking apps, and whether trust influences the relationship between quality factors and intention to use. In it, we collect data from 520 users and estimate the structural model. The results indicate that attitudes to mobile apps-based banking, as well as information and service quality, affect consumers’ intention to use banking apps. We further confirm that three particular quality factors, moderated by trust, affect the intention to use these apps. This study helps to explain consumers’ mobile apps-based banking behaviours, by combining the information system success model with a technology acceptance model.     

一种使移动终端无缝接入传统网银系统的方案

提出一种将传统互联网银行系统平滑升级为手机银行的设计方案,满足传统网银服务系统在不做任何修改的条件下,能够同时提供互联网接入与移动互联网接入服务。通过引入代理服务器,移动终端被虚拟为电脑客户端,使得移动终端的接入在网银系统看来,即为传统互联网接入方式。同时,移动终端上的复杂运算由代理服务器完成,降低了终端的负荷,使终端简化成为远程操作的交互界面。另外,移动设备上采用智能存储卡作为签名设备,可以达到与网银上使用USBKey相同的安全性。     

复杂网络理论在银行系统中的应用研究进展

在现代经济中,银行间的业务往来关系形成了错综复杂的网络系统,基于复杂网络理论来研究银行系统的问题已成为一个研究热点.对此,通过系统地梳理研究文献,分别从复杂网络理论在银行网络结构特征、银行系统风险传染、银行系统性风险评估和银行系统稳健性等方面的应用研究进展进行述评,并指出在银行系统中应用复杂网络理论需要进一步探究的方向.     

Impact of ATM intensity on cost efficiency: An empirical evaluation in Taiwan

Although the use of ATMs in the U.S. is approaching saturation, ATM deployment is still increasing in other parts of the world, such as Australia, China, Canada, Germany, and the United Kingdom. The relationship between IT investment and firm performance has been extensively studied, but few researchers have examined the impact of self-service technology (SST) in general and ATMs in particular on a firm's cost efficiency. Given the growing importance of SSTs in the banking industry, it is thus surprising that few studies have examined the impact of SST on banking cost efficiency. We therefore empirically examined the cost efficiency effects on ATMs.     

银行前置系统的设计与开发

随着社会经济的快速发展,金融体制也发生很大的变化,银行业金融机构的竞争日益激烈,各个银行要将前置系统的设计和开发作为重点,必须建立一个高效、稳定、兼容性和安全性高的银行前置系统,才能获得稳步的发展。基于银行前置系统的设计背景,阐述了系统总体设计方案,总结了系统中存在的问题及相应的解决措施,以期缓解银行核心系统的压力,为金融行业构建安全能力高、渠道整合能力强、开发能力快、可配置能力优越的信息系统提供参考意见。     

A spatial production analysis of Chinese regional banks: case of urban commercial banks

Urban commercial banks are regional banks which have gained tremendous importance in the last two decades in China. There is, however, a lack of research on regional banking, especially on the Chinese regional banking industry. Therefore, using an innovative spatial approach, this paper investigates the efficiency of 65 Chinese urban commercial banks across 26 regions during 2013–2017. A key finding for our sample is the significant spatial dependence of loans of Chinese urban commercial banks with their neighbouring regions’ banks. Short‐run efficiency is increasing during the research period. For regions with less than three urban commercial banks, the average efficiencies are stable and relatively high. However, regions with more banks have both the highest and lowest efficient banks at the same time. These interesting results fit with the development process of Chinese urban commercial banking, in which the market restructuring has contributed to banks’ efficiency.     

银行支付交易中电子影像系统的研究与实现

随着凭证在支付交易中的作用越来越重要,传统纸质凭证已不能满足人们对效率和可靠性等方面的要求.为此,电子影像系统便应运而生.从电子影像系统的原理及其在银行业中应用的角度出发,对银行数据库中生成可供交换的影像文件问题进行研究和探讨.     

Admission control of hospitalization with patient gender by using Markov decision process

Admission control of hospitalization considering patient gender is an interesting issue in the study of hospital bed management. This paper addresses the decision on the admission of patients who should immediately be admitted into a same-gender room or rejected. Note that a patient is admitted depending on different conditions, such as his/her health condition, gender, the availability of beds, the length of stay, and the reward of hospitalization. Focusing on the key factor, patient gender, this paper sets up an infinite-horizon total discounted reward Markov decision process model with the purpose to maximize the total expected reward for the hospital, which leads to an optimal dynamic policy. Then, the structural properties of the optimal policy are analyzed. Additionally, a value iteration algorithm is proposed to find the optimal policy. Finally, some numerical experiments are used to discuss how the optimal dynamic policy depends on some key parameters of the system. Furthermore, the performance of the optimal policy is discussed though comparison with the three other policies by means of simulating different scenarios.     

模糊神经网络在指纹与手形信息融合技术中的应用

为解决脱皮、有伤痕等低质量指纹识别困难、识别率低及稳定性差问题。提出手形作为指纹识别的辅助手段,采用模糊神经网络的身份识别方法,将指纹和手形进行信息融合,通过仿真实验,表明此方法实用、有效,能提高系统的识别率及稳定性。可广泛应用于刑侦、金融等对安全有严格要求的领域。