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作者|莫万贵 陈波 刘奎宁‘中国人民银行金融研究所，莫万贵系副所长；中国人民银行武汉分行’
文章|《中国金融》2019年第8期
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CMMI，JIRUANJIANNENGLICHENGSHUDUMOXINGJICHENG，1994NIANYOUMEIGUOGUOFANGBU（United?States?Department?of?Defense）YUKANEIJI-MEILONGDAXUERUANJIANGONGCHENGYANJIUSUO（Software?Engineering?Institute?(SEI)?of?Carnegie-Mellon?University）YIJIMEIGUOGUOFANGGONGYEXIEHUI（National?Defense?Industrial?Association）GONGTONGKAIFAHEYANZHI，SHIHENGLIANGRUANJIANQIYENENGLICHENGSHUDUHEXIANGMUGUANLISHUIPINGDEQUANWEIBIAOZHUN，DAIBIAOZHEGUOJISHANGZUIXIANJINDERUANJIANGONGCHENGFANGFA，BEIGONGRENWEIRUANJIANQIYEZOUXIANGGUOJISHICHANGDETONGXINGZHENG。CMMIRENZHENGGONGFENWEI5GEDENGJI，FUGAI22GEGUOCHENGYU，QIZHONG5JIWEIZUIGAOJIBIE。
ER、CMMI?5PINGGURENZHENGDUIGONGSIDEYINGXIANG
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TECIGONGGAO。
XINZHIRENZHISHUZIKEJIGUFENYOUXIANGONGSIDONGSHIHUI
2019NIAN4YUE24RI
2016NIANZHONGYANGCAIZHENGANCHENGSHI、NONGCUNDIBAORENJUNBUZHUSHUIPINGFENBIETIGAO5%、8%DUIDIFANGBUZHU。2016NIAN1YUE1RIQI，AN6.5%ZUOYOUTIGAOQIYEHEJIGUANSHIYEDANWEITUIXIURENYUANYANGLAOJINBIAOZHUN。
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RUJIN，ZHENGQUANXINGYEHULIANWANGHUAJIANGTIXIANZAILIANGGEFANGMIAN：YIFANGMIAN，HULIANWANGJINRONGYUNFUWUPINGTAIZHUJIANWANSHAN，ZHENGQUANGONGSIJIANGZAIZHENGCEDEZHICHIXIAWENTUOSHISHIXITONGJIAGOUZHUANXING，LIYONGYUNFUWUPINGTAIKAIZHANBUFENJINRONGHEXINYEWU，TIGONGDUOYANGHUA、GEXINGHUA、JINGZHUNHUADEJINRONGCHANPIN；LINGYIFANGMIAN，ZHENGQUANGONGSILIYONGHULIANWANGBUDUANTUOKUANFUWUFUGAIMIAN。ZHENGQUANGONGSILIYONGYUNJISUAN、YIDONGHULIANWANG、DASHUJUDENGJISHUSHOUDUAN，JIAKUAIJINRONGCHANPINHEFUWUCHUANGXIN，BINGZAIGENGGUANGFANDEDIQUKAIZHANWANGLUOZHENGQUANYEWU。
ZAI“HULIANWANG+“DEFENGKOULANGJIANXIA，HONGTAZHENGQUANJIJIKAIZHANHULIANWANGJINRONGYEWU，TISHENGZHENGQUANJINGJIYEWUFUWUZHILIANG，BINGCAIQUDUOZHONGYINGXIAOCELVE，GOUJIANYINGXIAOWANGLUO。ZAIGUPIAOJIAOYITONGDAO、FEIGUPIAOJIAOYILEICHANPINTOUZITONGDAO、TOUZIYINXINGTONGDAODENGLINGYUXUNQIUHEZUO，TUIDONGCHUANTONGYEWUDEZHUANXINGSHENGJI。
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《KALUOER》
CIWAI，OPPOGUANGDONGYIDONGTONGXINYOUXIANGONGSIYI1042JIANPCTZHUANLISHENQINGLIANGWEILIEQUANQIUDI17，PAIMINGXIANGJIAOYU2017NIANTISHENG23WEI。JIEZHI2019NIAN3YUE，OPPOQUANQIUZHUANLISHENQINGLIANGCHAOGUO35000JIAN，QIZHONGFAMINGZHUANLISHENQINGLIANGCHAOGUO30000JIANZHANBICHAO86%。ZHUANLISHOUQUANSHULIANGCHAO9000JIAN。TONGSHIOPPOYEYUZHUDUOYEJIELINGXIANDEHEZUOHUOBANQIANDINGLEYIXILIEZHUANLIXUKEXIEYI，QIZHONGBAOKUOGAOTONG、DUBI、NUOJIYAYUAILIXINDENG。
ZUORIYOUXIAOXICHENG，TIANJINBINHAIXINQUMUQIANQUEDINGDESHOUSUNBIAODEZHONG，DADICAIXIANHESULISHIBAOXIANDUIBUFENCANGKUJINXINGLECHENGBAO，CIWAI，TIANJINGANGSHOUSUNDEJINKOUQICHEDABUFENSHIXIANGRENBAOCAIXIANTOUBAODE。JIZHEZUORIXUNWENSHANGSHUSANJIABAOXIANGONGSI，SANJIAGONGSICHENGMUQIANRENGZAIPAICHAZHONG。
KEJIRIBAOBEIJING4YUE24RIDIAN （JIZHELIUYIN）24RI，KEJIBUHEQUANGUOGONGSHANGLIANJUXINGHUISHANGHUIYI，GONGTONGMOUHUACUJINMINYINGQIYECHUANGXINFAZHANDEZHONGDAJUCUO。KEJIBUDANGZUSHUJI、BUZHANGWANGZHIGANG，QUANGUOGONGSHANGLIANDANGZUSHUJIXULEJIANGDAIBIAOSHUANGFANGQIANDINGXINDEZHANLVEHEZUOXIEYI。
MUQIAN，GUANGZHOUSHIDENGJIZAICEDEFEIHUJIRENYUANDA780DUOWANREN，ZHUYAOFENBUZAIBAIYUNQU、TIANHEQU、HAIZHUQU。
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YUANBIAOTI：FUJIANBIANFANGPOHUOTEDAZHIZAOZOUSIDUPINAN ZHUAHUOTAIWANDUFAN5MING6YUE25RI，FUJIANSHENGGONGANBIANFANGZONGDUIXIANGSHEHUIPILU，GAIZONGDUIQIANQIPOHUOYIQITEDAZHIZAO、ZOUSIDUPINAN，ZHUAHUOFANZUIXIANYIREN8MING（QIZHONG5MINGWEITAIWANJUMIN），JIAOHUODUPINLVANTONG（SUCHENG“FEN”）345GONGJIN、BANCHENGPIN341GONGJINJIZHIDUYUANLIAO2DUN、ZHIDUSHEBEIYIPI，DAOHUIYIGEYINZANGZAIDASHANSHENCHU、YIJIAQINYANGZHICHANGWEIYANHUDEZHIDUGONGCHANG。GAIANDECHENGGONGGAOPO，ZHANDUANYITIAOSHETAIDUPINZHIZAO、ZOUSITONGDAO，XIJINNIANLAIFUJIANJINGFANGQUANLIANTIAODAJIDUPINFANZUIZUIWEIWANZHENGDECHENGGONGANLI。YINANQINGZHONGDA，GONGANBUJIANGCIANQUEDINGWEIDUPINMUBIAOANJIAN，DAIHAO“2017—619”。2017NIAN9YUE，ZHANGZHOUSHIGONGANBIANFANGZHIDUIZAIGONGZUOZHONGHUOXI，TAIWANYIFANDUTUANHUOYUMOUCONGFUJIANYANHAILIYONGYUCHUANZOUSIYIPIDUPIN。JINGGUOYIGEDUOYUEDEZHENCHA，YIGEYITAIWANJUMIN“AFU”WEIZHUYAOCHENGYUANDEFANDUTUANHUOZHUJIANFUCHUSHUIMIAN。YUCITONGSHI，QUANZHOU、SHAMENSHIGONGANBIANFANGZHIDUIYEFENBIEXIANGFUJIANSHENGGONGANBIANFANGZONGDUIBAOGAODUPINANJIANXIANSUO，ERQIESUOBAOXIANSUODOUTONGSHIZHIXIANG“AFU”FANDUTUANHUO。ZHANKAIXIANSUOFENXI，SHULIKEYONGXINXIQIPAITUIGUANGZENMELAREN
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2014NIAN，LIAONINGSHENGZAIJIESHOUDIYICIZHONGYANGXUNSHIZHIHOU，LIAONINGZHENGXIEYUANFUZHUXICHENTIEXINLUOMA。