宿迁市工人医院融资是强制对员工的嘛。刚刚大学毕业的学生刚来工作也必须给嘛？求知情人透露。_百度知道
宿迁市工人医院融资是强制对员工的嘛。刚刚大学毕业的学生刚来工作也必须给嘛？求知情人透露。
但是实际操作上没有法律规定融资是强制性的。。。，就解雇的可能很大，如果你不出钱，这个必须是自愿性的
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出门在外也不愁如果你是某商业银行一级分行,你要进行100万一周短期融资,你应该选择哪家金融_百度知道
如果你是某商业银行一级分行,你要进行100万一周短期融资,你应该选择哪家金融
我有更好的答案
同业银行间的短期拆借（当然也要付人家利息，而且双方都要具有法人资格）
这个情况俗话讲叫闲钱月底一周游，民间资本最擅长了
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社会资本,公立医院,融资,
研究目的通过理论和实证研究,探讨中国社会资本在当前公立院融资的作用及影响,提出社会资本发展公立院的对策,为社会资本在公立院的发展提供理论和政策支撑。资料来源与研究策略资料来源:本研究选择东部、中部、西部地区7省9市13家公立院进行现场典型调研,收集各院年财务相关数据,并对院财务管理者、卫生行政管理人员以及社会资本投入方代表(银行、融资租赁公司等)进行深入访谈或专题小组讨论;收集年全国政府办公立院资产负债、业务收支等基本信息进行汇总浅析浅析。研究策略:(1)理论研究,包括文献浅析浅析和专家咨询。对国内外相关研究和文献进行理论浅析浅析和综合述评;对理论假设,组织召开专家会议,浅析浅析和讨论相关理论框架;(2)实证研究,包括问卷调查、关键知情人访谈、专题小组讨论、专家咨询以及SWOT浅析浅析。收集院的基本情况以及院利用社会资本现况及意愿。在研究实施过程中,听取有关专家对于目前社会资本在公立院中的现况、效果及发展对策倡议;利用SWOT矩阵对公立院利用社会资本的各种模式面对的机会和挑战,拥有的优势和劣势进行匹配。主要研究结果理论研究:构建公、私合作的公立院融资模式的关键点在于明确政府和市场职责。政府的职责在于增加投入、加强规划、强化监管。市场的职责在于通过竞争机制,引导公立院提供质优高效的服务。国外经验借鉴:国外公立院不管政府财政补贴情况如何,均在不同程度引入社会资本。主要模式包括银行贷款、慈善捐赠、融资租赁等。各国政府为了振兴公益性事业,普遍采取优惠政策鼓励社会资本进入,并且强调政府对公立院融资的决策制约权,院对资产处理权利有限。此外,各国都建立了完善的法律保障体系,明确疗机构融资各方的权利和义务。政策浅析浅析:政府补偿模式的转变是推动社会资本多渠道进入公立院的最主要理由之一。新改方案的出台,将带来现有疗体系利益格局的重大调整,为社会资本进入公立院创造更为有利的条件。公立院贷款财政贴息是各地政府普遍采取的鼓励院多渠道筹措社会资本的一项经济政策,但由于缺少相应的鼓励优惠政策,难以调动银行等社会资本的融资积极性。实证研究:(1)院规模:各地区公立院均处于快速扩张期,总资产年均增长率一般均超过10%,最高达27.3%;(2)院对社会资本的需求:扩大院规模是目前造成公立院资金需求的最主要理由;政府投入不足现象在各地院普遍存在,政府补贴在院总收入的所占比例最低1.4%,最高不过10.1%,社会资本进入公立院成为现实;(3)院利用社会资本的主要模式:包括银行贷款、融资租赁、国外贷款和慈善捐款等,也有职工集资、投资分成、商业信用等做法;(4)社会资本金额、用途、期限和融资回报:融资金额从数十万到上亿元不等;主要用于基建、设备购买,也有用于工资发放、品购买以及拖欠款支付等;社会资本有显性收益要求(利息等),还有隐形收益要求;(5)资信评估:院多采用信用贷款形式,银行贷款有向大院集中趋势。此外,抵押担保、第三方担保也在部分院出现;(6)风险制约:政府“重审批、轻监管”,院“重引资、轻经营”,与社会资本相比,二者缺乏有效的风险制约手段;(7)发展趋势:院吸收社会资本总量整体呈现增长趋势;(8)存在不足:公立院融资发展缺乏规划;现有政策不明朗,政府监管职责不明;慈善资金尚未在疗领域中充分发挥作用。研究结论进一步解放思想,鼓励社会资本进入公立院。根据新改方案“鼓励和引导社会资本发展疗卫生事业”重要思想的要求,充分认识鼓励和引导社会资本进入公立院对保持公立院持续稳定健康发展的重要性,进一步解放思想,转变原有的社会资本逐利性与公立院公益性相冲突的观念。建立政府投入为主导、社会资本为补充的公立院筹资机制。政府应加大资金支持力度,除直接投入外,可采取贷款贴息、减免规费等间接投入方式;强化规划的作用,制定公立院分类资源配置标准,同时对公立院的资本性投入规模进行制约。制定市场准入政策,引导优势社会资本进入公立院。规范社会资本进入公立院的准入条件;建立公立院融资信用担保体系,通过建立风险补偿基金,对院不良贷款等损失给予适度风险补偿;建立健全社会资本收益补偿机制,政府通过建立补偿基金、减免营业税等政策,吸引社会资本进入公益事业;支持多形式社会资本进入公立院,包括慈善捐赠、银行贷款、融资租赁等。加强院管理,规范公立院利用社会资本的行为。明确公立院自身发展合理规模,引导公立院走内涵式发展道路;建立公立院引入社会资本决策制约制度;建立财务会计内部制约监督检查机制。构建社会资本进入公立院政策支持体系,营造良好的发展环境。完善财务管理、资金监管和资产管理制度;科学运作疗保险基金;重塑各部门监管职责。在公立院革新的有利环境下,进行多方有益尝试。设立公立院发展共济基金,倡导公立院协同发展;积极探索免税债券等形式。
【Abstract】 ObjectivesTo discuss the function and influence of the social capital on the current public hospitals in China by the theoretical study and empirical study, and propose the strategies that how the social capital develops the public hospitals. The outcome of the paper is expected to provide the theoretical and political supports for the social capital in the development of the public hospitals.MethodsData resources: this paper selected 13 public hospitals in the east, middle and west areas of China for field investigation. It collected the related financing data of the hospitals and interviewed the hospital financing personals, the health administrators and the social capital investors from the bank, the financing leasing companies and so on. At the same time, it analyzed the basic information of the asset-liability and the income and expense of the government public hospitals.Research methods: (1) the theoretical study. Literature review was conducted to collect domestic and international research evidence on the social capital in the hospitals. The expert conference was held to discuss t (2) the empirical study. The questionnaire was conducted to collect the basic data as well as the situation the social capital u the in-depth interview was applied to collect the suggestions from the specialists such as the effects, the developing strategies for the use of the social capital in
SWOT analysis was used to match the opportunities, the challenges, the advantages and the weakness the various social capital models that the public hospital used.ResultsTheoretical study: the key point to construct the public private corporation public hospital financing pattern is to clear the responsibilities of the government and the market. The government’s responsibilities are to increase the investment, strengthen the plan the market’s responsibilities are to guide the public hospitals to provide highly effective service through the competitive system.Domestic references: the public hospitals introduce the social capital in various degrees whatever the government investment is. The main models include bank loan, charitable donation, financing lease and so on. In order to promote the public welfare enterprise, the foreign countries carry out the preferential policies to encourage the social capital to enter in general. At the same time, they stress that the governments have the financing decision right of the public hospitals and the hospitals have limited property processing rights. In addition, they have established the perfect legal system to clear the duties of all the quarters of the hospital financing.Political analysis: the transformation of the government compensation pattern is one of the main reasons that promote the social capital enter the public hospitals through multi channels. The release of the new medical reform program will bring the significant adjustment of the benefit pattern of the current medical system. The interest subsidy loan is the popular economic policy that the local governments carry out to encourage the hospitals to collect the social capitals. However, due to the lack of the corresponding favorable measures, it is hard to arouse the enthusiasm of the social capital investors. Empirical study: (1) hospital scales: The various local public hospitals were at the fast expansion time. The average annual growth rate of the total assets generally surpassed 10% generally, and the highest was 27.3%; (2) the social capital demand: the expansion of the hospital scales is the most primary causes that the hospitals call for fund. The insufficiency of the government investment was generally existed in the regional hospitals. The government subsidy accounts for the proportion of the hospital gross income was lowest at 1.4% and highest at 10.1%; (3) the main financing models: it Included bank loan, financing lease, foreign loan and charitable donation as well as the employee’s calling for funds, commerc (4) the amount, use, term and repayment of the social capital: The financing amount differs from hundreds of thousands to over a billion Y it was mainly used in the infrastructure construction, the equipment purchase, the wages provide as well as the drug The social capital not only had the dominant income request (interest and so on), but also (5) credit appraisal: The hospitals often use the credit loan, which was trend to the big hospitals. In addition, the mortgage guarantee and the third party guarantee also appe (6) risk control: the government emphasized on the approval and despised on the supervision. the hospital emphasized on the introduction of social capital and despised on the operation. They both lack the effective r (7) the tendency: it overall present (8) the problems: The financing of the public hospi the existing policy was not clear as well as the government superv the charitable fund had not yet fully play a role on the in medical domain.ConclusionsTo further emancipate the mind and encourage the social capital enter the public hospitals. According to the request of the new medicine reform program“to encourage and guide the social capital to develop the health industry”, it is necessary to fully understanding the connotation of the requests and further emancipate the mind, transform the original mind that the social capital was conflicted with the public hospitals.To establish a public hospital fund raising mechanism that the government investment is dominant and the social capital is complementary. The government should increase the financial support and except the direct investment, it can attempt on the interest subsidy loan, stipulated fees’ to strengthen the plan’s function, and establish the classified resource allocation standard of the public hospitals and at the same time to control the scale of the capital investment to the hospitals.To formulate the market access policy and guide the good social capital to enter the public hospitals. To strict the admittance conditions on the social capital that enters
to establish the credit guarantee system. To compensate the social capital’loss for the bad bank loan of the hospitals t to establish a mechanism that can compensate the benefit for the social capital. The government can attract the social capital into the public welfare by establishing a compensation fund, reducing the business tax and so on. To support various social capital enter the public hospitals such as the charitable donation, bank loan, the financing lease and so on.To strengthen the hospital management and standardize the behavior when the public hospital use social capital. To clear the reasonable scale of the public hospitals and guide them to the connotat to establish the decision-making and the internal financial inspection control on the public hospitals when they want to introduce the social capital.To construct the political support system and to build the good development environment that support the social capital enters the public hospitals. To perfect the policies of the financial control, fund supervision and asset management, operate the medical insurance scientifically and remodel the supervision responsibility of various departments. Under the favorable environment of the reform on the public hospitals, it should carry out benefit attempts in every way. To set up a Public hospital developing fund and call on the coordination development of the regio to explores other models of social capital, such as the tax-exempted bond.
【关键词】 社会资本；
【Key words】 Public hospital；
Social capital；
Financing；
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本试题来自：（2009年风险管理模拟试题，）一、单选题
以下各小题所给出的四个选项中，只有一项符合题目要求，请将正确选项的代码填入括号内。如果银行以短期存款作为长期固定利率贷款的融资来源，当利率上升时，贷款的利息收入是固定的，但存款的利息支出却会随着利率的上升而增加，从而使银行的未来收益减少和经济价值降低。这意味着银行面临(
)。A．汇率风险B．基准风险C．期权性风险D．重新定价风险正确答案：有， 或者
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单项选择题：（)内部审计的主要内容不包括(
)。A．风险状况及风险识别、计量、监控程序的适用性和有效性B．会计记录和财务报告的准确性和可靠性C．内部控制的健全性和有效性D．适时修订规章制度和操作规程，使其符合法律和监管要求答案：有，答案解析：有，单项选择题：（)某银行资产为100亿元，资产加权平均久期为5年，负债为90亿元，负债加权平均久期为4年，根据久期分析方法，当市场利率下降时，银行的流动性(
)。A．加强B．减弱C．不变D．无法确定答案：有，答案解析：有，
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