职业金融家的产生 职业金融家是金融从业者经过长期市场竞争优胜劣汰而产生， 它不可能通过银行监管部门“资格审核”来产生，也不可能通过“行长班”培训而产生。 在当前，最重要的、最紧迫的，必须彻底切断政府官员和各级行长之间的职位联系， 商业银行法应规定公务员不得从事商业银行的高级管理工作，银行的行长也不得到政府部门任职，以此彻底切断银行行长们的后路。虽然银行监管部门的任职资格认定在某种程度上起到淘汰不称职者的作用，但实践证明，这种做法效果非常有限。王雪冰、张恩照、前中银香港高管、高山等，哪一个没有经过监管部门的资格认定和组织考察昵?提高金融企业高管层的待遇是培育中国职业金融家的物质基础。由于金融企业高管实际上已经放弃了做“官”的机会，增加了其以后就业的风险， 提高其工资待遇可以看作是对这种风险的补偿。另外，作为职业金融家， 不但要求其具有广泛的金融知识，还要有高尚的人格操守，其人力资本定价必然较高。较高的薪水才能唤起职业金融家的职业自豪感和职业操守， 古今中外的金融家均属于高收入的阶层。在与外资银行的竞争中，由于外资银行的工资薪水远远高于国有商业银行，必然导致国有银行优秀员工的流失，任其发展下去，外资银行将成为一流人才的创业舞台，国有银行成为二流人才就业的平台，其结果无须赘述。 国有商业银行改革最为关键的，就是能否对国有银行的治理结构进行有效的改革， 董事会能否真正发挥作用， 其建立的“三会”不但要“形似”更要“神似”。公司治理从根本上说是社会治理在公司的投影，由于我国体制惯性， 公司建立符合现代企业制度的治理结构难度极大， 上市公司便是一个明显的例子。如果银行行长继续沿用原来的老办法，行长不是由董事会从经理人市场中挑选还是由政府任命，行长不能通过股东大会和董事会的正常途径进行选拔，“三会” 将形同虚设，银行的经营方式就很难得到根本的改变。由此可见，造就一大批职业银行家， 是建立现代金融企业制度的当务之急，重中之重，也是改善银行治理结构的制度基础。 金融改革20年多来，我国信托、证券等行业的“大起大落”表明，问题不在于资源瓶颈，而主要是包括高管层在内的骨干分子的“道德风险”杀伤力。在一定程度上正是由于这些“道德风险”杀伤力，才导致金融体制改革始终无法摆脱机构层面的群起群落(如城市信用社和信托投资公司的整体兴起和全行业整顿)。而职业金融家阶层的兴起将有可能造就一个权责对称、道德风险较低、稳健经营的新型金融组织架构，并由此提高中国的资本形成效率和金融安全。从这意义上来看，什么时候我国金融机构的高级管理人员真正成为企业家、职业金融家了，就意味着什么时候我国的金融改革取得了真正的成功。如果仅仅通过制定规章制度来提高风险管理和内部控制水平的做法， 不能从根本上防止银行大案和丑闻的再次发生； 而应该根据金融企业岗位的性质， 在职业金融家市场用一个更清楚的标准和机制来衡量和选拔高管层， 这是中国金融业走向现代化管理最关键、也是早晚要迈出的一步。 目录 1参考文献 参考文献 ↑ 李洪江.职业金融家是怎么“生”出来的.银行家2006年2期
The highest peak in value that an investment fund/account has reached. This term is often used in the context of fund manager compensation, which is performance based. The high-water mark ensures that the manager does not get paid large sums for poor performance. So if the manager loses money over a period, he or she must get the fund above the high watermark before receiving a performance bonus. For example, say after reaching its peak a fund loses $100,000 in year one, and then makes $250,000 in year two. The manager therefore not only reached the high-water mark but exceeded it by $150,000 ($250,000 - $100,000), which is the amount on which the manager gets paid the bonus.
A type of option in which the payoff is structured to be either a fixed amount of compensation if the option expires in the money, or nothing at all if the option expires out of the money.These types of options are different from plain vanilla options Also sometimes referred to as "all-or-nothing options" or "digital options". For example, suppose you were interested in buying binary call options for common shares of ABC company with a strike price of $50 per share and a specified binary payoff of $500. If the stock is trading above $50 when the expiration date is reached, you would receive the $500 payoff for your option contract. However, if the stock is trading below $50 per share at the expiration date, you receive nothing.
The currency abbreviation or currency symbol for the Paraguay guaraní (PYG), the currency of Paraguay. The Paraguay guaraní is made up of 100 céntimos and is often represented by a symbol that looks like the capital Latin letter "G" with a diagonal slash through the center of it. The "guaraní" is named after the Guaraní people - an indigenous group of people in South America, living in what is now Paraguay. Rampant inflation has devalued the céntimo to the point where it is no longer used. |||The Paraguay guaraní replaced the peso at a rate of 1 guaraní to 100 pesos in 1943. The currency was allowed to float freely until 1960, when it was pegged to the U.S. dollar. The peg was in place from 1982 to 1990. In 1990, this peg was removed and another peg was used from 1990 until 1998 to help reduce inflation. Since the removal of the peg in 1998, the currency has consistently dropped in value because of inflation. Political corruption is thought to be the main force behind the runaway inflation.
什么是老五股 深市“老五股”是指1990年深圳证券交易所成立前发行并进行柜台交易的股票。它们是：深发展(000001)、深万科(000002)、深金田(000003)、深安达(000004)、深原野(000005)。 目录 1老五股的两种说法 2相关条目 老五股的两种说法 深市“老五股”有两种说法。一种是泛指在1990年前发行实物股票并在深圳交易所成立后陆续上市的公司,目前所知这类公司共有9家(原野、发展、金田、万科、宝安、物业、安达、华新、锦新)。第二种说法则是指1990年深圳证券交易所成立前发行并进行柜台交易的股票。它们是:深发展、深万科、深金田、深安达、深原野。 相关条目 老八股
A mutual fund targeting high value investors with low fees, but high minimum requirements. These funds must indicate within their prospectuses or name that they're institutional and typically solicit managers of retirement plans, institutional investors, and large endowment trusts.
An economic theory that estimates the amount of adjustment needed on the exchange rate between countries in order for the exchange to be equivalent to each currency's purchasing power.The relative version of PPP is calculated as:Where: "S" represents exchange rate of currency 1 to currency 2 "P1" represents the cost of good "x" in currency 1"P2" represents the cost of good "x" in currency 2 |||In other words, the exchange rate adjusts so that an identical good in two different countries has the same price when expressed in the same currency. For example, a chocolate bar that sells for C$1.50 in a Canadian city should cost US$1.00 in a U.S. city when the exchange rate between Canada and the U.S. is 1.50 USD/CDN. (Both chocolate bars cost US$1.00.)
A type of option that can only be exercised on predetermined dates, usually every month. Like the mixed culture of Bermuda, bermuda options are a combination of American and European style options.
登录
工商服务
危机公关
金融律师
app开发
财税服务
金融牌照
网站建设
知识产权
企业征信
审计评估