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Research and Analysis on the Influence of Institutions over the Core Competitiveness of Shareholding Commercial Banks
As the new vigor of banking industry, shareholding commercial banks after two-decade fast growth have been an important part in China’s financial system. However, because of the path dependence of institutional transformation, the improper arrangement of related institutions and the shortage of institutions, the institutional problems generally exist in the shareholding commercial banks in China. Therefore, the key to enhancing the core competitiveness of shareholding commercial banks is to improve the institutional arrangement in shareholding commercial banks and make great efforts to build up the positive enterprise culture.
The Establishment of the Interest Rate Risk Management Mechanism in Commercial Bank
With the advance of the interest rate marketization of our country ,interest rate risk has become a more and more important risk facing Chinese commercial bank. However, as the interest rate has been controlled for a long time, the commercial banks can only deal with it in a passive way. Since there is only a weak awareness that interest rate risk should be managed in an active way , the ability to manage it cannot meet the needs of changing situation either. So the commercial banks of our country should conform to their own reality, tighten the control of interest rate risk and establish practical mechanism for controlling interest rate risk so as to guard against and reduce such risks.
On the Comprehensive Judgment and Measurement about the Fragility of Chinese Bank System
Bank reform is the most important part of Chinese financial reform. That weather the bank system runs steadily or not is related to the whole financial system’s development and stabilization. The paper makes a quantifiable analysis of the fragility of bank system with CMAXt index method and Probit multianalysis method. The result of the analysis discovers that the entire Chinese bank system has been unstable for 22 years from 1978 to 2000, and it was especially unstable around 1992 and 1998 when the bank system appeared with unstable indication and in the biggest financial risk.
The Development Strategy of China Banking Industry—-An analysis Based on the Order Status of Global 1000 Banks
The order list of global 1000 banks represents the international competitive power among commercial banks.Through the data analysis of these banks,the listed Chinese banks have retained a good operating result.However, there is still a relatively big distance from big international banks.Therefore,China banks should optimize its industrial organization structure urgently,establish sound modern commercial bank system and operating policy,strengthen capital quality management and risk management,improve international competitive power.
“Free from Intermediary” and Commercial Bank Business Model Transformation
It’s an essential tendency for China’s futrue financial structure adjustment enlarge direct financing and reduce reliance upon indirect financing dominated by bank loans.In recent years,under the assaulting of such innovative financial instruments as investment fund,corporate bond,short-term financing bond,etc.and in the constraint of capital adequacy supervision,traditional business model of commercial banks is being confronted with adjustment.Only when risk control ability is to be improved,diversified financial products developed and new income source channels extended,and support drawn from financial innovation to respond to falling of loan quality and credit grades can commercial banks cut down the impact of “free from intermediary”.
Gene cloning and fusion expression of human Sjogren syndrome antigen B in E.coli
Objective: To clone and express human Sjogren syndrome antigen B(SS-B)in E.coli.for establishing a new detecting method. Methods: A full length cDNA of SS-B was cloned from cell line HL-60 by RTPCR.Then the PCR product was TA cloned and sequenced and inserted into the carrier pGEX-5T.The recombinant plasmid was transformed into E.coli BL-21.The positive clones were identified by restricted enzymes and induced by IPTG.The expression product was analyzed by SDS-PAGE and Western blotting. Results: The PCR product was about 1 200 bp in size which was in accordance with predicted 1 224 bp and sequencing result showed the same with GenBank’s report.The pGEX-5T-SS-B positive clone produced a molecular weight of 71 000 fusion protein which had natural immunogenicity of SS-B by SDS-PAGE and Western blotting. Conclusion: Successfully cloning and expression of human autoimmune antigen SS-B laid a foundation for further research work.
Financial System and Economic Growth, Evidence from China
This paper uses Johansen’s maximum likelihood approach and quarterly data of 1992.Q1-2004.Q3, to examine the relationship between financial development and economic growth in China. The result shows that although in the long-run both banking sector and stock markets have positive effect on economic growth, the influence of stock market development on GDP appear to be much stronger than that of the banking development, which is in sharp contrast to the view that bank-based financial systems may be more able to promote long-run growth than market -based ones. Therefore it makes sense for China government to enlarge the role of the stock market in overall financial system and import more resources on capital market development.
Screening and identification of anti-idiotypic antibody to anti-SARS Ig
Objective To screen and identify anti-idiotypic antibody（AId） to SARS-CoV by phage display technique,for the diagnosis and vaccine research of severe acute respiratory syndrome（SARS）.Methods The human synthetic VH+VL ScFv library was screened by mixed serums（containing IgG and IgM） from SARS patients,and then negatively screened by mixed serums from healthy individuals.The obtained anti-idiotypic antibodies to anti-SARS Ig could specially bind to IgG（IgM） from SARS patients.After 4 cycles of “absorption,elution,and application”,some clones which could specially bind to SARS Ig were obtained by using ELISA.The clones screened from the above steps were identified by PCR,and their specificities of the products were demonstrated by their reactions to serums from different people.Results Of the 200 clones from the fourth cycle,there were 10 clones whose OD492 nm value binding to SARS Ig were distinctly higher than that of binding to normal human Ig.Six out of the 10 clones had the products whose length was 1 000 bp detected by PCR.Compared with IMGT and BLAST data bank,there were 5 clones whose DNA sequence was highly congenetic to that of human VH and VL,respectively.Three positive clones that could specially bind to serums of SARS patients were confirmed.Conclusion Special anti-idiotypic antibody to anti-SARS Ig can be obtained by using the phage display technique,which paves the way for the study of the diagnosis and vaccine research of SARS.
On Development and Innovation of Network Bank
Traditional banks’ scope of business is quite limited.Only a few products and services are provided for customers.Internet has affected a technological revolution in traditional banks and provided a mutual-communication channel for banks and customers.Compared with traditional banks’ network banks are more flexible and have stronger innovative capacity.They can not only transform traditional business,but also develop new business to meet customers’ various demands.
Dualistic Contradictions of Monetary Policy in Euro Area and the Countermeasures
A series of dualistic contradictions are produced because of ECB’s own defects and the restrictions of other macroeconomic policies.These contradictions seriously affect stability of the monetary policy in Euro area and the successful development of EMU.So,it is necessary for every member state of EU to improve ECB’s unified monetary policy through strengthening political cooperation, reforming of decision-making institution of European Central Bank,improving the financial budget system,and establishing a centralized supervising agency.
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