作业代写：Journalism education in the United States

下面为大家整理一篇优秀的essay代写范文- Journalism education in the United States，供大家参考学习，这篇论文讨论了美国新闻学教育。美国的新闻学教育相当普及，美国很多大学都设有新闻学院或新闻学专业。随着媒介融合和全球化时代的到来，美国各新闻学院或新闻学专业从课程设置、教育方向等方面对新闻学教育体系进行了大的变革和建构。除了继续遵循传统的通识教育模式，美国新闻学教育日趋重视媒介融合教育，注重具有实践经验的师资培养，强调实践与应用训练，新闻学教育日趋国际化，其目的是培养适应媒介融合时代的新闻人才。

In the United States, education is quite popular, and many schools in the United States have a major in journalism or journalism. With the advent of the era of media convergence and globalisation, the American college of news or journalism from the direction of the curriculum, the education of journalism education system for the great revolution and construction. In addition to continue to follow the traditional pattern of general education, American journalism education is education attaches great importance to the media fusion, pay attention to have practical experience of teacher training, training, emphasis on practice and application of journalism education has become increasingly international, its purpose is to training to adapt to the era of media convergence news talents.

In order to more fully illustrate this, this article selects the school of journalism, Columbia University, school of journalism, stony brook university, university of st. cloud communication and journalism, university of north Alabama lines in journalism, university of Pacific lines in journalism and five different profile, such as the college or journalism as the analysis and the research sample, in order to avoid biased.

American journalism education usually adopt journalism and society, the humanities and interdisciplinary teaching and curriculum mode, in cultivating students' professional skills at the same time, pay attention to broaden students' horizons, attaches great importance to the education medium fusion. With the change of digital technology to information transmission, society has never needed a journalism graduate with independent thinking ability and good media integration training. In recent years, American journalism education with media convergence era pace, seize development trend, opened a lot of new media integration of professional course, or join a lot of media convergence in the traditional journalism education education courses, has increased a lot for the medium fusion hardware devices and multimedia classroom teaching.

The Columbia journalism school has more than 10 professional news organizations, and students have plenty of opportunities to communicate with on-the-job journalists. In recent years, Columbia University has also started a digital news Tow Center, and has begun awarding a dual master's degree in computer science and journalism. Columbia University journalism school believes that it has been committed to the innovation and evolution of education to multimedia and media convergence.

Stony Brook University school of journalism education courses opened a lot of attention to media mergence, television reports and editing, TV production, advanced reporting/writing/radio, senior editor and narrative, performance/network, advanced digital audio news, news laboratory digital photography, online journalism, etc., the course aims to develop the students' ability of writing and traditional and multimedia application integration. In order to cultivate news people who are able to adapt to the Future of media in the dynamic, the school of journalism of shixi university has built the Newsroom of Future multimedia professional classroom equipped with the latest digital technology. The so-called "future editorial office", including collection, text editing, audio equipment, such as video clips, and use a set of computer software to connect the journalists, news compiled delivery of data integration. Many courses at shixi university are completed in this "future editorial department". All required of journalism school at stony brook university students were required to broadcast, print, online news, such as courses, and learn how to use multimedia platform and model for thinking and working, and in the last year to focus on the study and application of a certain kind of media.

University of north Alabama lines established the broadcast news, and the integration of communication, media, publishing and online journalism, radio and television and interactive media such as major research direction, can be seen from these major setting for the media fusion attaches great importance to education.

There are many differences between the United States and China in the concept of education, one of which is reflected in the requirements of the teacher's background. Chinese news education mostly requires teachers to have a high degree. While the United States values education, it values teachers' professional experience, especially in the era of media convergence. According to the relevant information provided by the website of the school of journalism of shixi university, there are 28 teachers in the school of journalism of shixi university, including two teachers with doctoral degrees, and 7% of all teachers. 27 teachers with media experience, accounting for 96%; There are 10 part-time teachers from the media industry, accounting for 36%. Can be seen from the above figures, in this era of media convergence, the United States is considered a "teacher's practical experience, school of journalism is not disdainful of teachers' educational background and degrees, it was very different with Chinese journalism education. Education, a Chinese journalism school, attaches great importance to education and degree, and sees the doctoral degree as a passport to work in various journalism schools, which has led to various errors in the construction of education system in Chinese journalism.

Journalism schools at Columbia University's faculty members are all from all areas of talent, won various awards including the journalist, columnist, writer, editor, documentary filmmaker, and experts in the field of digital media. These faculty members are fully equipped with rich experience and independent thinking skills, and are fully qualified for the professional teaching and support for the development of students.

In recent years, American journalism schools have recruited many teachers with rich experience in new media fields, working with traditional journalism faculty to train new journalists. Even the original journalism faculty is moving closer to media convergence. When the department of communication at the American Pacific university recruited faculty in 2010, it found that more than 90 percent of the resumes sent by applicants were new media.

American journalism education very emphasis on practice and application of the training, as a result, a lot of journalism graduates can directly enter the newspapers, publishing, radio, television and other business, or to enter entertainment, multimedia, advertising, public relations, foreign affairs and cultural exchange, etc. In ivy league university, school of journalism, Columbia University is the only have the graduate school is one of the institute of the national and the world's top news, Pulitzer prize is by the Columbia journalism school of the main evaluation. University school of journalism in both transmission, on the basis of theory teaching, emphasis on news practice training, elite talent, committed to develop the press its graduates have the most practical skills, don't need a lot of on-the-job training, can solve important problems in the U.S. media made her very popular. News, of course, the school graduate school entrance requirements are very strict, it does not consider the applicant's language scores, the applicant will take part in the school sets up tests, such as allowing applicants to write like the New York times editorial, and even allow graduate students to news work instead of graduation thesis, it attaches great importance to the practice.

American news education has begun to pay attention to the development of students' practical ability in the teaching process. Stony brook university school of journalism to combine classroom teaching and practice teaching, the "future editorial" professional multimedia classroom provides good practice platform for students, most of the course will give students in news gathering and editing of the time, it's hard to tell which course is the classroom teaching, which is the practice teaching. Also, the professional class basically adopt small-class teaching, teachers have more ample time to guide every student, so it ensures that each student within the limited class hour quickly enhance the practical ability, can achieve in class begin training of practice education mode. At the same time, almost all of the school of journalism, stony brook university faculty members have rich experience, the dean of Howard, a former New York City, long island Newsday editorial director of 18 years and in his office, the paper has 8 people won the Pulitzer prize; The vice President, Marcy, has worked on CBS for 30 years as senior vice President of CBS news. Other full-time or part-time faculty members also have rich experience. Such teacher ratio guarantees the practice level of news teaching.

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MLA格式论文如何引用YouTube的视频

想必留学生都会经常上YouTube看视频吧，但同学们有没有想过把这些视频资源引用到写作当中呢？YouTube上的视频是可以作为引用材料的，前提是需要知道如何引用它们。那么MLA格式论文该如何引用YouTube的视频呢？下面就给大家讲解一下。

1、文本引用

1)在括号内写上部分标题。在引用、释义、总结的信息后面，写上视频的完整或缩略的标题。用括号把标题框起来，在括号的外面写上标点符号。

2）在句子中介绍标题。不想在括号里介绍标题，你也可以在引用信息的时候，直接在句子中写明视频的标题。标题要打引号。

从“马鲁精选集”中可以看出，马鲁是一直动作滑稽的著名的猫。

3）如果可以，注明作者的名字。如果你知道导演或者其他创造视频内容的人的名字，注明那个人的姓。如果不知道对方的真实名字，可以使用Youtube的用户名。名字既可以写在括号里面，也可以写在包含引用内容的句子中。

方法2、有作者的文献引用页

1）注明创作者的名字或用户名。注明导演、编辑或者编撰者的真实姓名（如果有的话）。按照“姓，名”的格式来写。如果引用某个组织的视频或者创作者的真实姓名不可知，那么注明组织的姓名或者Youtube账户的用户名。不管你用的是什么名字，后面要跟上句号。

2）注明视频的完整标题。精准地注明视频在网络上的标题。不要去缩减它；因为很多视频可能会以类似的方式进行缩减，所以要注明完整的标题。在结束语之后写上句号，后面跟上双引号。

3）写出网站的名字。在这种情况下，网站的名字就是“Youtube”，网站的名字应该是斜体，后面跟上句号。

4）写出发起人。发起人指的是拥有网站的公司或企业实体的官方合法名字。在这种情况下，应当注明“YouTube，有限责任公司。”不要打引号或者使用斜体字。也不要用句号，而要用逗号。

5）注明视频建立的日期。应当用“年月日”的格式注明视频被传上网的日期。后面跟上句号。

6）注明出版媒介。对于所有的Youtube视频，应当标明它的媒介是“网络。”后面也应当跟上句号。

7）注明接触日期。接触日期是指你抱着引用的目的第一次接触或观看视频的日期。按照“年月日”的格式来引用。结尾句号。

8）注明网址，如果需要的话。网址不是使用MLA引用网络视频的必备部分。然而，许多导师仍然需要它。如果你的导师要求有网址，写在方括号里，后面跟上句号。

方法3、无作者的文献引用页

1）注明视频的完整标题。如果视频片段的发布者不是原始创造者，而原始创造者的名字没有列出，最前面的信息就是视频标题，那么不要列出发布视频的YouTube频道的名字或者用户名。在双引号中列出完整标题，后面跟上句号。

2）指明网站的名字。对于所有Youtube视频来说，网站的名字应当是“YouTube”。字体要用斜体字，结尾用句号。这一点跟APA格式引用YouTube视频资料写作规范有很大区别，希望大家要注意。

3）注明发起人的名字。拥有YouTube的公司的官方合法名字应当被列出。“YouTube，有限责任公司，”，然后后面用逗号。

4）标出发布日期。标出视频被公布在YouTube频道的原始日期。按照“年月日”的格式标明日期，年的后面用句号。

5）标明出版媒介。对于一个YouTube视频，出版媒介总是“Web。”后面跟上句号。

6）注明接触日期。接触日期是你抱着在论文中引用的目的，第一次接触视频的某年某月某日。按照“年月日”的格式注明日期，后面跟上句号。

7）如果有必要，注明网址。视频网址并不是MLA格式的必备部分，如果你加进去，可能不符合格式要求。不过，导师经常会要求你加上网络资源的地址，在这种情况下，你应当把网址写入方括号中，结尾使用句号。

方法4、直接引用YouTube时的文献引用页

1）注明创作者为“YouTube。”这适用于任何被上传到官方YouTube频道的视频。YouTube后面要使用句号。

2）写上视频的完整标题。确保标题完整，减少引用重复或相似标题的几率。标题后面使用句号，把句号放在引号内。

3）注明网站的名字。即使“Youtube”已经被列为视频的创作者了，但是你必须再把它列为出版者。但是，请注意，你不需要把它作为官方公司第三次地列出来。网站名字要使用斜体字，后面跟上句号。

4）标明发布日期。按照“年月日”的格式标明视频原始的发布日期。后面使用句号。

5）标明出版媒介。YouTube上任何视频的出版媒介都应当是“Web。”这后面要跟上句号。

6）标明接触日期。标明你抱着引用的目的，第一次接触或观看视频的日期。按照“年月日”的格式来标明。

7）如果需要，注明网址。官方的MLA指南上没有将网址列为必须注明的信息，但是如果你的导师有要求，那么用方括号注明网址，后面跟上句号。

以上就是关于MLA格式论文引用YouTube视频的讲解，如果同学们在YouTube上看到有好的引用材料，不妨记录下来，当作以后的写作引用材料。

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Paper代写：Economics of human resource management

下面为大家整理一篇优秀的paper代写范文- Economics of human resource management，供大家参考学习，这篇论文讨论了人力资源管理的经济学。现代企业管理皆是以人作为中心而开展的管理工作，人作为知识信息与先进技术等各类资源的主要载体，为此，如果想要促使人力资源管理的巨大作用得到充分的发挥，则需要按照客观事实顺应人力资源管理的发展走向，借助企业的独特优势，强化人力资源管理力度，以促使人力资源管理区域完善化，为企业在竞争激烈的大市场环境中争得一席之地，从而促使企业能够实现最大化的社会经济效益。

Human resource management refers to the use of advanced scientific methods, the specific human resources for the organization of the systemic training, manpower and material resources of the enterprise existing scientific and reasonable adjustment, and the idea and give the correct guidance, psychological to promote people's subjective initiative to get maximum full play, to achieve the enterprise organization goal successfully.

Human resources management is mainly to human resource planning and systematic in the multiple-choice, adhere to the basic principles of equal employment opportunity, to provide human resources for in-depth development, determine a reasonable employee benefits, correctly handle the relationship between enterprise staff and labor.

The sustainability of enterprise human resources development and investment, lack of unified planning, the human resources cost has great blindness, which is mainly due to the lack of correct understanding and awareness of the human resource planning. In the process of human resource management, ignored the inherent human resources huge value, lack of unity of human resources reasonable planning, as the external market environment changing, there are unreasonable human resource planning, human resources training and development support the existence of the phenomenon such as insufficient, these will cause the enterprise to the existing human resources cost cannot effectively control the situation there.

At present, the enterprise is very serious for the pursuit of higher education follow suit, for example, some enterprises whatever jobs, to apply for the staff has a very high requirement on education, as a secondary level can be competent for the post and must demand to hire college graduate or undergraduate, resulting in a large number of potential cause huge waste of human resources. However, highly educated people are bound to expect higher wages and higher wages, which will increase the cost of human resources. In addition, some enterprises have neglected the importance of "right to the mouth" in hiring employees, and they often appear in situations where highly paid talents are not equal to the value created by the enterprise.

In the present enterprise, usually with high comprehensive quality and ability of employees to serve as jobs, such as: engineering, personnel training high requirements of the job, in this case the enterprise will be to make way for the use of talent, no principle to reduce talent at random using standard, and mixed with the phenomenon of "nepotism" "be jealous of real talent", it not only can cause great influence to the enterprise normal work order, and even make the quality of daily work. Because of uneven in the enterprise middleman post match, can appear the phenomenon of low returns on investment is high, the, especially in state-owned enterprises, human resources quantity is larger, but overall quality level is lower, leading to the phenomenon of human resource cost increased sharply.

Human resource planning analysis usually refers to the systematic planning for human resources, human resource planning process, managers can anticipate for the future of a series of influence factors of labor supply and demand to determine, formulate corresponding management strategies at the same time. Labour market for human resource managers provide a lot of market information, these information are the product of The Times development, however, information asymmetry with specific, for human resource management, labor market supply and demand information is not perfect, often have the problem of adverse selection exist, this to the human resources management strategy formulation does not play a good role.

The essential significance of the principle of equal employment opportunity for, claims in full employment, everyone can deeply feel themselves have equal treatment, the acceptance of the equal employment opportunity, the law to ensure its own will not be any unfair treatment. Create enterprise aim is to maximize the social and economic benefits, but only in a strong market competitiveness, on the basis of to realize the maximization of profit, you know, the enterprise economic benefit and social benefit are two completely different ideas, in some cases, the enterprise is the antithesis of benefit and social benefit. Therefore, in the process of enterprise development need to properly handle the relationship between enterprise and society, on the basis of pay taxes in accordance with the law how do public welfare undertakings for the public, as the biggest power to help people in need of help society.

The term "employment appointment" refers to the selection of personnel who conform to the requirements of the enterprise, so as to supplement the vacancy status of each post. In the process of employee engagement, we must pay special attention to selecting high-quality employees who meet the requirements of the post. Is to achieve the goal of enterprise development, enterprise management, the staff of need as basic guarantee, therefore, human resource management is critical, only the right people, with people, can make enterprises achieve the social and economic benefits of the enterprise in the expected time. At different stages of development, there is a certain difference in the level of work, quality of work and creativity of employees. Because of this, the flow of enterprise employees becomes a normal phenomenon. In this regard, enterprises should allocate the scientific rationality of human resources so as to maximize their role.

Human resource management is a development of human resources, enterprise managers through the management of human resources, for example, human resource planning, training, evaluation, compensation system, etc., engage more ability of high-quality talent to the enterprise. With the change of the enterprise environment with the change of position, is better able to contribute their strength for the enterprise, requires the enterprises to develop their professional skills training regularly and ideological education, this is actually a kind of human capital investment to the staff.

Compensation refers to a reward that is given to employees through bonuses, benefits and other forms of enterprise. From the point of view of wages, economics is the result of the theory in the process of the enterprise in salary, must change to pay employees on the income effect and substitution effect of a comprehensive consideration and analysis, you know, wages for the work of the staff has a direct influence positive initiative. Therefore, the enterprise must carry out comprehensive double consideration when setting salary, cannot too high also cannot too low, take a reasonable level can.

As is known to all, scientific and reasonable compensation and benefits can be a huge incentive for employees. Under the market economy competition, incentive is the core content of enterprise development, with the inequality are closely linked together, at the same time of employee motivation, to firmly grasp the unified effectively combine the material incentive and spiritual incentive mode, in view of the performance good staff focus on policy incentives, through the performance situation to decide the final compensation, reward is proportional to the performance. More encourage employees through their own efforts to create more value for the enterprise, create and share value, share the profits return good environment, personal interests and enterprise collective interests together effectively, make you feel the force of the blame, thus to achieve the enterprise development goals together.

Equality and efficiency exist trade-off of sexual contact, the enterprise if want to encourage employees maintained at a high level of a state of work, so, salary incentive is the indispensable important content. For normal operation of the enterprise as a center, an employee's work efficiency not only can create more value for the enterprise, at the same time in the collective of individual efficiency can also drive the others into the good environment, drive the enterprise staff's daily work efficiency to get significant improvement.

In fact, the training of employees is the same with the use and appreciation of capital. Therefore, it is necessary to pay attention to the systematic analysis of the investment benefit of training. First of all, training should pay attention to cost, mainly to solve the staff's professional skills and ideas; The second, not the employee training as a simple "non-productive expenses", and need to consider staff training is an effective way to improve the efficiency of the production and operation of an enterprise, scientific and reasonable and systematic training of employees, can create huge economic benefits for the enterprise.

Employee and labor relations generally include health, safety and financial safety, employee rights and human resources policies, the relationship between unions and employers, if the enterprise and employees want to be together to achieve win-win situation, enterprise managers and employees need to effectively deal with the relationship between the two. Actually, belongs to a kind of game, the relationship between the staff and the enterprises they are looking for the maximization of self-interest, but ultimately the result of the game, need to coordinate the two sides together to maintain this good relationship.

In order to enable enterprises to establish a good development relationship with employees, enterprises need to ensure the vital interests of employees. Insight into the actual needs of employees, develop and convey the enterprise culture and the spirit of talent utilization in preferential policies, so as to the staff and the labor relations in the game of to assure them a healthy and stable development of enterprises.

In the process of human resource management, the enterprise target?? It is necessary to have a group of high-quality employees to support the basic forces, so that enterprises have unique advantages in the development process. The human resource management department should define the enterprise development goals so as to realize the maximization of human resource management economic efficiency.

The purpose of the goal is to define the future development trend of the enterprise, and to reserve the professional talents for the future development of the enterprise. Specifically, the training and development of professional functions of employees should be carried out according to the development needs of the current enterprises, and targeted training should be carried out for the characteristics of each post staff. Provide targeted development projects to employees at different career stages. At the same time, the enterprise managers need to according to the enterprise management status, demand, development object factors such as the specific conditions of the science rationality and human resources for dynamic adjustment, human resource development and utilization so as to achieve the best results.

Enterprise managers need to reserve the talent resources in advance, only in this way can they better avoid the phenomenon of post vacancy after employee turnover in enterprises. The enterprise manager must pay attention to the continuous renewal of the concept of employing people, and strive to achieve the best of all the talents for me. Efforts to explore mechanism of choose and employ persons, to create enterprise personnel information database, so you can communicate with all jobs of people in the first time, using the hiring part-time workers to better eliminate the enterprise to the staff in the different stages of development problem of the gap in the short term.

Enterprise human resources management refers to the need of the human resources to better absorb into the enterprise, the high-quality talent in enterprise development, maximum limit arouse staff's positive initiative and ability to innovate, constantly excavate the potential of its inherent at the same time, its better for all enterprises to contribute their strength. Talent management, modern enterprise management under the knowledge in the information age, people at the core of all kinds of resource carrier, only constantly gain more human resources advantages, to comply with the mainstream of social development, with the help of the unique advantages of talent for enterprise services, can say, strengthening human resources management is the key to promote sustainable and rapid development of enterprises.

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Paper代写：Commercial Banks in the era of Internet finance

下面为大家整理一篇优秀的paper代写范文- Commercial Banks in the era of Internet finance，供大家参考学习，这篇论文讨论了互联网金融时代下的商业银行。互联网金融的蓬勃发展对商业银行来说是巨大的挑战，但同时，也可以是发展的机遇。再次给予下，商业银行可在认识自身优势的基础上，转变思想，扬长避短，重视大数据，云计算等新技术，寻求与互联网企业的交流与合作，化挑战为机遇，继续发挥在金融领域不可替代的作用。

Current to the third party payment, P2P financing, electric business platform, network finance represented by the Internet financial services have is closely connected with our life, the Internet finance on bank lending and deposit and traditional business such as both the impact and influence that nots allow to ignore. The author mainly discusses the influence of Internet finance on commercial Banks from two aspects: third-party payment and new financing channels.

Third party payment as the emerging network payment and settlement method and credit intermediary has been recognized by the majority of consumers. With the expansion of business scale, third-party payment constantly challenges the status of traditional Banks.

Payment and settlement business as the most basic intermediary business of the bank, the large amount of fees generated is the important income source of the bank. However, with the rapid growth of third-party payment business, there is a trend of replacing commercial Banks' media roles in the field of capital settlement.

Compared with Banks, third parties charge a lower service charge, or even completely free, so they have a strong appeal to customers. In addition to the advantages of low cost, the third-party payment service is simple and fast, which can meet the personalized needs of users and is deeply loved by the younger generation. According to the data, third-party payment is the first choice for the majority of consumers' consumption transfer with 62% choice rate, while online banking and mobile banking are only 46.8% and 26.1% respectively. Obviously, third-party payment weakens the payment function of bank card and erodes the bank's profit.

China's current fund sales channels are dominated by Banks. In the past, Banks were the only comprehensive providers of financial services, and sales of funds, trusts and other products relied heavily on Banks. In the vast number of investors, commercial bank is the highest credit rating and good security, coupled with the Banks have physical locations, these all make the bank has a high voice in the field of financial products sales.

However, the addition of the third party payment has a tendency to break the pattern, the fund company directly cooperate with the Internet enterprises with customer resources, to challenge the leading position of Banks in fund sales. At the same time, Internet companies can help fund companies to analyze customers' risk preferences by mining investors' data, so as to actively push products and even customize services for them. And fund and Internet financial cooperation could also boost investor user experience, such as balance treasure for celestica fund has brought a lot of customer resources, customer also implements the function of financial management and payment of epoxy resin, achieved very good sales result. Although the market share of third-party payment fund is still small in the current stage, the development prospect of the Internet fund market is widely seen from the trend. If Banks do not take steps, they will face severe challenges in the future.

From the point of the practical operation of the third party payment, third-party payment actually is very similar to the bank settlement service, for buyers and sellers guarantee at the same time, the platform has accumulated a large amount of precipitation funds, these settle funds in general are stored in separate to open bank accounts. If from the point of the amount of deposits, seems quite a proportion of the funding of third-party payment platform, finally will still be back into the banking system, there seems to be no threat to the bank deposit business, but due to the leakage effect, third-party payment or weakened the sources of bank deposits. And, as a third party payment continue to expand the business scope, strengthening third-party payment function in financial investment, savings deposits formed in direct competition with the bank, is to balance the treasure, for example, in 2013 by pay treasure to account balance value-added services "balance". After real-name authentication of alipay users, can be directly transfer the account balance balance treasure, its essence is to buy a currency funds, compared with the current bank deposit, balance treasure high yield, early QiRi annualized return of 6% above. Yields are now down to around 3.6% for seven years, but still well above the bank's 0.35% demand deposit. For paying treasure to the user, the balance of funds transferred to transfer is more convenient than demand deposits, and buying a threshold limit, these advantages make consumers tend to use the balance treasure class microfinance financial product management.

At present, the commercial bank profit still mainly rely on the margin, but due to the development of the Internet financial, the trend of "financial disintermediation" began to emerge, in the traditional sense of the bank intermediation function weakened, the impact on businesses mainly reflects in the following two points:

Internet finance has provided crowdfunding, network lending and other financing channels, which has broken the pattern of former bank monopoly financing channels. In the traditional economic model, it is almost impossible for an enterprise or individual to finance without collateral or without guarantee. But in the context of Internet finance, this cannot become possible. Internet financial companies with large data, cloud computing and other technical advantages, can put borrowers pay data and historical records as reference and analysis index and the basis, different approach provides to reduce risk, improve the efficiency of capital allocation in the new way of thinking, and more flexible.

This embodies in the field of small micro enterprise financing is especially apparent, although the bank of China in 2004 is put forward, to small and medium-sized enterprise business as the transformation direction of Banks, but in practice, due to the asymmetric information companies and Banks, state-owned Banks, it is hard to effectively assess the risk level of small micro enterprise, look from the total amount, small micro enterprise won just 18.9% of bank loans, small and medium-sized businesses, the difficulty of financing is still deeply disturbed, but Internet financial and its own characteristics, with its unique advantages in the field of small micro enterprise financing rapidly onboard. Ali small loans, for example, small loan ali, which is based on Internet technology, according to the characteristics of small micro enterprise financing to meet the small micro enterprise financing demand, rapid growth for the industry leader. We can compare the indicators of small loans and bank loans, first of all, ali small loans to provide loans to an average of 56000 yuan, is far less than the average 1.5 million bank loans, the average loan approval time only need 5 minutes, and the bank loan takes about half a month to a month to be approved. Such rapid approval did not result in a surge in loan defaults, and a 0.58% loan default rate was better than the 1.15% of Banks. At the same time, the cost of loan transaction is close to 0, which is far superior to bank loans. In conclusion, the advantages of low amount, quick approval and low cost of capital accord well with small and micro enterprises. The demand of I changed the industry pattern of bank monopoly financing channels in the past.

The income of commercial Banks in China is very dependent on the spread income of deposit and loan, so it is always criticized as "living on the spread of deposit and loan". The rapid development of Internet financial, changed the immobilization rate characteristics of commercial Banks, through the market price preferences reflect supply and demand both sides, both sides negotiate, reflects the trend of marketization of interest rate, interest rate marketization, the interest rate decisions will be transferred to the financial institutions, is ultimately determined by market supply and demand. Banks also want to continue to rely on high spreads between deposit and lending to profit, the current model will be unsustainable, at that time, the Internet financial will with efficient, convenient, low cost advantage to attract customers, such as commercial bank erosion existing or potential customer resource, which threaten the profitability of commercial Banks. Mentioned above, on the one hand, commercial Banks at present very well meet the demand of small micro enterprise financing, financial rely on Internet search engines, on the other hand, new technology, such as large data with network financing platform for small and medium-sized enterprises and merchants, well adapted to the small and medium-sized enterprise financing "small", "short" and "frequency", "fast" demand characteristics. By the end of 2014, China's statistics on the number of small micro enterprise as a legal person is 7.85 million, accounting for 95% of the total number of enterprises, accounting for 30% of the total enterprise assets, and, seeing from the trend, the development of small micro enterprise is more and more become the national economy growth, the number of small micro enterprises originally is the bank's credit customers, potential theory can bring huge to bank interest income, but if the bank will be ceded the market, the resulting interest income will be swallowed up by the Internet companies.

It is true that the booming development of Internet finance is a great challenge for commercial Banks, but it can also be an opportunity for development. Bank can be known, on the basis of their own advantages, change ideas, foster strengths and circumvent weaknesses, attaches great importance to the big data, cloud computing and other new technology, with the Internet enterprise exchanges and cooperation, turn challenges into opportunities, to continue to play an irreplaceable role in the financial sector.

From the perspective of the status of the financial system, as a result of the system and policy factors, commercial Banks not only relationship with the stability of financial markets, is also about the smooth running of the national economy, maintain the stability of financial order. First, commercial bank assets are large and growing rapidly from a capital scale. In 2003, the total assets of commercial Banks in China were 23.1 trillion yuan. By 2014, the total assets of China's commercial Banks had reached 130.9 trillion, and the total assets increased nearly 5 times in 10 years. Due to the long-term rapid growth of China's economy, the large population base and high savings rate make our country the largest and fastest growing banking market in the world. Secondly, the commercial banking infrastructure is perfect, with many physical branches, extensive business and good reputation. To sum up, commercial Banks have very strong hardware and software strength, which is sufficient to deal with crisis and challenge.

Commercial Banks under the background of Internet financial operational advantage is mainly embodied in the following aspects: the operation of traditional Banks in decades, has accumulated a large number of highly qualified professionals, has a large number of high-quality client resources, and the operation mode of the mature steady strict regulation and relevant departments, its operation is stable and reliable. In view of the Internet enterprises, the capital chain breaking up the money running the road, and even frequent financial fraud cases.

Traditional commercial Banks in risk management, personnel, information technology and has a huge advantage compared to most Internet financial enterprises, and long-term accumulated a lot of money in the operation of the practice of safety management experience, users of capital security and personal information security can be better protected. Internet financial mainly based on the network characteristics of convenience, but because of the Internet technology still exist loophole, criminals can write virus program malicious network attack, causing huge leak of personal information, endanger the safety of the user's money. Traditional banking business process management system more perfect than the Internet, the operation of long time accumulation of practical experience of risk management and comprehensive management concept also makes the commercial bank risk management is more robust in terms of risk prevention and control.

Change the thought, pay attention to the change of Internet finance strategically. Commercial Banks need to be in the impact of the Internet financial challenges and sober understanding, identify themselves in areas such as payments, electric business platform, as the role of chaser, on the basis of its own innovation, transformation and development of rising to a strategic level. Learning the Internet enterprise's idea and way of thinking, pay attention to data mining and information integration, efforts to improve customer experience, in the mode of organization structure, business model and service innovation, to adapt to the new internal and external environment.

Hengfeng bank CEO Li Huihui retail financial headquarters in "2015 China international bank conference", China's retail customer structure have changed, including the degree of wealthy clients, clients' assets overseas configuration, the aging of the clients. At present, the aging trend of China's population has appeared, and the total number of people over 60 years old is nearly 180 million. This kind of special group is very dependent on physical branches when obtaining banking financial services. In addition, the bank of some high net worth clients of the bank financial services have their own individual needs, need to have the financial, legal and other professional knowledge of banking professionals for its personalized service. Therefore, commercial bank physical branches are not only irreplaceable, but also increasingly important.

The rise of domestic community bank branches is a case in point. Since 2013, Banks have been scrambling for the "last mile" of financial services. Many domestic Banks, especially small and medium-sized commercial Banks, have stepped up their efforts to innovate their own branches. In addition, Banks have direct bank layout, through the combination of direct marketing and community bank, giving full play to the advantages of both, to explore online channels, fusion, give full play to the functions of the traditional physical branch, so as to play their own advantages, to cope with the impact of the Internet financial.

There is no doubt that commercial Banks must seek transformation in the context of Internet finance. Working with Internet finance companies to learn from their operating models and new technologies such as big data and cloud computing is the fastest way to do this. In terms of data, commercial Banks can be used to share data with Internet financial enterprise, or buy them for user transaction information, build their own big data information, analysis of consumers' personalized requirements, combined with the Banks themselves advantages and expertise, targeted to create products and services, improve customer experience, more competitive.

The solution of the third-party payment platform to the financing of small and micro businesses is worth learning from the commercial Banks. It is difficult to solve the financing difficulty of small and micro enterprises, and the main reason is that risk control is difficult. Relative to large enterprises, small enterprises operating time is short, the operator's behavior is uncertain, corporate structure is relatively simple, financial conditions are often the transparency is not high, this makes the bank master these enterprises in the traditional way of operating and credit situation is time-consuming. However, thanks to the development of the Internet, this kind of situation is expected to get very good solve, Internet companies use of big data, cloud computing, new technologies, such as search engines through data mining, analysis for small micro enterprise credit conditions, the reasonable control of the risk. In mature ants gold suit, for example, has a set of data mining, analysis system, small micro enterprise pay data as the core, grasping every link of the enterprise data information, and strictly control the credit risk is obtained. Moreover, this method greatly shortens the time needed for small and micro businesses to obtain funds, and saves the labor cost of a large amount of loan review.

Today, electronic commerce volume increasing, life, consumers have got used to the third party payment on payment and settlement, and to pay such as credit CARDS or mobile banking settlement business consumers less and less, this situation not only impressed by the Banks' profits, more importantly makes it hard for commercial Banks to obtain relevant information of the clients. More than once, the importance of big data is mentioned. In the age of big data, it is impossible to master the information data, just like being blindfolded, in the competition must be at a disadvantage, and finally eliminated by the market. To avoid this, commercial Banks must rely on big data. Master the information flow, the source of the control data, establish and innovate the e-commerce platform, it is the bank to regain control of the information flow, control the source of the data, remastered.

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Essay代写：Modern enterprise management innovation

下面为大家整理一篇优秀的essay代写范文- Modern enterprise management innovation，供大家参考学习，这篇论文讨论了现代企业管理创新。企业的战略创新是谋求中长期发展为目标，是企业为了能够保持健康发展而制定的长远发展目标和策略。企业的战略具有整体性、长期性和规划性的特点。从目前企业发展的情况来看，企业的核心竞争力就是通过战略创新，为企业管理提供科学的方向，实现企业前瞻性和全局性的创新。

Science and technology is the first productivity, the economic development of science and technology is the main power, in the developed countries, the economic development of science and technology contribution rate is as high as 85%, is the core of enterprise competitiveness in science and technology, science and technology is enterprise management force of infinite intelligence, which explains why put forward by the central innovation activities must take science and technology as the lead.

The strategic innovation of enterprises is to seek medium - and long-term development. It is the long-term development goal and strategy that the enterprise formulates in order to maintain healthy development. The enterprise's strategy has the characteristics of wholeness, long-term and planning. How to formulate and execute strategic plan according to the resources of each aspect and the development trend of the future market is the embodiment of the core competitiveness of the enterprise. In order to promote the long-term development of the enterprise, we should take the cultivation of the core competence of the enterprise as the foothold, capture the market development trend in time, and enhance the core competitiveness of the enterprise. From the current situation of enterprise development, the core competitiveness of the enterprise is to provide scientific direction for enterprise management through strategic innovation, and to realize forward-looking and global innovation. Therefore, the enterprise's daily management process should focus on the strategic goal of the enterprise, and provide a good foundation for the enterprise's r&d marketing.

The mind decides the way out, the head decides the pocket, the way of thinking decides the management style. People's actions are guided by thought, and advanced scientific ideas can guide enterprises to realize sustainable development. Modern enterprises must set up the consciousness of market orientation, core competence, integrity, innovation, development, consciousness of science and technology, culture, talents, scientific decision-making, democratic management consciousness, consciousness of lifelong learning, marketing consciousness, brand consciousness, crisis awareness, the transformation of development, strategic positioning, etc.

The idea is people's value orientation and view of things, is the guide and guide of people's action. The change of philosophy is the source of all changes and the basis of all changes. Management is an important means for enterprises to seek survival and development. Without successful efficient management, enterprises can only be submerged in the surging competitive tide. The effectiveness of management is the decisive factor for the success or failure of the enterprise. The enterprise management is good, and the first step is to improve the quality of the manager, namely the entrepreneur. In a certain sense, the enterprise is the enterprise of entrepreneurs, leaving the entrepreneurs, the enterprise is not in the life, there is no matsushita, there is no panasonic company; Without zhang ruimin, there is no haier group; Without liu chuanzhi, there would be no lenovo group. The business philosophy of the entrepreneur, the quality of the entrepreneur, the innovation spirit of the entrepreneur is the important factor that determines the vitality of the enterprise.

Human being is the most active factor of productive forces. Modern enterprise management should adhere to "people-centered" to mobilize people's enthusiasm and creativity, namely "people-oriented". In economics, human capital is the general term for human knowledge and skills and physical strength. Human capital is divided into three types: one is general human capital, namely ordinary workers. Second, professional human capital refers to professionals. Third, innovative human capital is the high-end talent with innovative ability. The knowledge and innovation ability of high-end talents are the most important conditions for the survival and development of enterprises.

The connotation of enterprise management are various, but the key link is to put the "people-oriented" thoughts through the aspects of management, from talent recruitment, training, use, evaluation, the design of the salary system, the establishment of the incentive system, career management, they have them they want everything from maximum to mobilize enthusiasm and creativity of all kinds of human capital as a starting point and the foothold, business pay to allocate and reward, to performance and contribution, leaning to the key positions and skills talents, set up for the enterprise development contribution theory of the hero, truly reflects the "people-oriented" thinking in the position and role of the modern enterprise management.

Change the rigid structure of traditional organization, enhance the flexibility of enterprise organization, the rigid structure of enterprise organization is the product of planned economy, enter market economy, because compete? The need of enterprises must enhance the flexibility of the organization, i.e. the flexibility, flexibility and adaptability of the market competition. In order to realize this transformation, we must do a good job in the transformation and upgrading of enterprise organization, change the extension of enterprise extension and expand reproduction mode. Changing traditional industries for new production and high-tech industries; Change the traditional service industry to modern service industry.

The vertical multi-layer management structure of the traditional jinyu tower is changed to establish the flat close-range management structure, so as to improve the efficiency of management. The management structure of jinyu tower, the information transmission, the information feedback is slow, the department function overlaps, resulting in low efficiency; The flat type mechanism eliminates the overlapping of the organization's complexity, and realizes the direct command of the information near distance and the work, so as to promote the efficiency and efficiency of the work.

Group headquarters and branch, subsidiary, establishing network platform, set up virtual organization structure, realize information sharing, better ideas, make full use of all the staff of intelligence, realize the management innovation, promote enterprise's core competitiveness.

Modern enterprises are institutionalized organizations. Corporate culture is first and foremost institutional culture. The essence of the system is the standardization and legalization of employee behavior. The system is designed to protect the interests of the enterprise, and it is necessary to carry out the enterprise process. Without system foundation, good process design is also difficult to implement. To solve the problems encountered in operation through the system construction should be the basic principle of enterprise management. To develop healthily, enterprises must get out of the quagmire of lack of system, which is an effective measure from extensive management to scientific management.

Enterprise system innovation is an important means to promote enterprise management innovation. In the new development situation, we should reform the existing system and provide important basis for economic management. The system innovation can effectively restrain some improper behaviors of employees, so as to establish efficient operation team.

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51Due网站原创范文除特殊说明外一切图文著作权归51Due所有；未经51Due官方授权谢绝任何用途转载或刊发于媒体。如发生侵犯著作权现象，51Due保留一切法律追诉权。