基于ILasⅡ的借阅证制作全过程

对自动化系统采用ILasⅡ、图书借阅仍然使用以条码为主的图书馆,存在的借阅证的使用和制作问题进行了比较详细的论述,其中对读者数据的准备、照片处理、数据库的备份、数据的导入等多方面进行阐述。对借阅证制作过程中可能遇到的问题也作了详细分析,并利用自制的两个VB程序在较复杂的前期数据处理和使用过程中的补证问题进行了简化处理,使借阅证的制作及使用过程尽可能的简单,减少操作,提高工作效率。     

大数据环境下高校图书馆读者阅读趋势及特点分析——以内蒙古师范大学图书馆为例

本文对2010-2015年六个年度期间内蒙古师范大学的师生读者借阅的各类图书进行了统计,同时对图书借阅量排行榜进行了调查研究。通过统计分析研究,总借阅册数最多的是文学类图书,其次是历史、地理类,排在第三的是语言、文字类。并且讨论分析了读者阅读趋势及读者阅读特点,为高校图书馆的发展提出了有益的建议。     

基于一体化借阅模式下如何提高高校图书馆流通服务质量的思考

当前我国高校图书馆对馆内图书的管理普遍采用一体化借阅模式,保障了读者的阅读自由,也使图书馆内的图书最大限度地发挥了作用,同时,一体化借阅模式也给高校图书馆流通服务工作带来了很多问题.本文通过对当前一体化借阅模式下高校图书馆流通服务工作中存在的问题进行综合分析,并结合这些问题就如何提高高校图书馆流通服务质量提出了几点建议.     

新时代高校文化育人路径研究——基于大学生图书借阅行为的分析

通过分析大学生图书借阅行为,得出大学生图书借阅行为与其专业、性别、文理科属性、毕业去向、兴趣爱好及学校文化具有相关性,并以此提出通过增强图书馆的文化育人功能、构建突出大学精神和主题教育的文化育人工作体系、发挥教师和学生的双驱促进作用来提升高校文化育人工作水平。     

图书借阅管理程序设计

随着社会的发展书籍已成为不可荻取的部分周书馆作为公共资源，业务量日趋旁大。为了提高效率、方便操作，本文设计了一个图书借阅管理程序。该程序采用Win-TC编译环境和C语汇编，实现信息录入、图书借还、系统管理等功能。     

图书馆开架管理优化探究

开架阅读是当前图书馆中一种方便读者也方便图书管理工作者的高效管理模式,这种模式的优越性是闭架借阅模式所不能比拟的。当然,开架阅读在给众多读者带来便利的同时,自身也或多或少存在一些问题,文章对开架阅读的优点以及优化措施进行了分析探讨。     

图书馆便携式数据采集器实际应用及查重处理探讨

在现场采购已经成为图书采访工作的重要方式,利用数据采集器套用本馆现有的图书资源数据进行图书的现场查重与筛选,已成为各图书馆一种常用而有效的方法。而数据处理又以查重为主,虽然大多查重软件可以实现查重功能,但有时利用access功能进行多采集器数据处理感觉更加方便。本文结合实际工作经验介绍图书馆便携式数据采集器在实际工作中的使用方法及外出采购图书后的数据查重处理。     

关于高校建设校园一卡通系统的投资模式与回报浅析

近三十年来,各高校根据管理与服务工作的需求,已陆续建设了许多信息系统,如教务、图书管理、后勤保障收费等系统,这些信息系统独立运行,自然而然地产生了师生一人多卡的现象.随着高校扩招、合并,出现多校区运行的现象,原本几千人的学校增至几万人,学校的教务管理、后勤管理、图书借阅、上机实践和消费管理难度都在增大,靠人工管理方式显...     

数字时代高校图书馆流通服务工作的发展探析

本文主要阐述了作为高校图书馆命脉,图书流通服务工作在数字时代中亟待发展的重要性,提出了高校图书馆流通部门面临的科技应用贫乏、发展滞后,借阅读者流失严重,馆员服务意识淡薄的问题,并从三方面出发针对以上问题提出了相应的解决方案与建议。     

门禁一卡通在“禁”与“通”间寻求平衡

所谓“一卡通”，就是在同一张卡上实现多种不同功能的智能管理。“门禁一卡通”一般在企业或组织内应用，主要用于标识持卡人身份，范围包括门禁、考勤、停车场、图书借阅等，在某些场合的应用还与商业付费类一卡通有重叠。     

家庭个体特征对居民借款行为的影响——来自中国家庭的经验证据

金融市场对于支持和鼓励家庭借款进而刺激家庭消费起着愈发重要的作用。作为家庭消费金融意识的重要体现,居民借款行为正在受到更多的关注。本文认为居民家庭借款行为包含两层含义:1.家庭是否有借款;2.家庭借款渠道的选择。利用CFPS调查项目中京沪粤三省市家庭借款行为的微观数据,本文运用Logit模型和Probit模型对影响居民家庭借款行为的家庭个体特征进行了实证分析,解析了不同家庭个体特征对借款行为的影响情况,并得出有关结论与启示。     

The market for borrowing corporate bonds

This paper describes the market for borrowing corporate bonds using a comprehensive data set from a major lender. The cost of borrowing corporate bonds is comparable to the cost of borrowing stock, between 10 and 20 basis points, and both have fallen over time. Factors that influence borrowing costs are loan size, percentage of inventory lent, rating, and borrower identity. There is no evidence that bond short sellers have private information. Bonds with Credit Default Swaps (CDS) contracts are more actively lent than those without. Finally, the 2007 Credit Crunch does not affect average borrowing costs or loan volume, but does increase borrowing cost variance.     

Does microfinance change informal lending in village economies? Evidence from Bangladesh

This paper examines how availability of microfinance influences households’ borrowing from informal sources in village economies. It uses a unique household level panel data set, which spans more than two decades (1987–2008), from rural Bangladesh. We find that households’ access to microfinance reduces the incidence of borrowing from informal sources, but not the amount of borrowing. We find that less poor households benefit more in terms of reducing their reliance on informal borrowing and that the benefit accrues over time. We also find that having access to microfinance increases women’s informal borrowing for small consumption usage, without facilitating access to new business opportunities.     

An analysis of revolving credit agreements

This paper examines the pricing of intermediate-term line commitments, often called revolving credit agreements. Their characteristics, covenant, and compensating balance features are discussed. The fixed portion of the line is described as a dual phased option; it behaves as a put or a call depending on whether bank borrowing is undertaken. Two valuation models, based on the use of the borrowing, are derived for infinitely-lived line commitments. The pattern of borrowing by the firm is shown to principally depend on the relative size of the fixed and variable costs of the line.     

Modigliani and Miller Again Revisited: The Cost of Capital with Unequal Borrowing and Lending Rates

The financial literature asserts that financial managers must borrow at least to some degree if they are to optimise the value of their companies. This result has been described in the literature as ‘perhaps the single most important result in the theory of corporate finance obtained in the last 30 years’ (Copeland and Weston, 1988, p. 443). Based on US tax systems, the value added to a company by debt has been estimated as high as 35 to 50% of the debt's market value. More recently in this journal, Ashton (1989b) has argued that under the present UK tax system, the theoretical tax advantage afforded by debt should be estimated at no more than 13% of the debt's market value. The contribution of this paper is to draw attention to an aspect of borrowing that has largely escaped attention, but which nevertheless affects the above conclusions: namely, that the market spread between borrowing and lending constitutes a ‘cost’ for corporate borrowing. This paper demonstrates that in the context of the present UK tax system, this ‘cost’ of borrowing is sufficient to nullify entirely the formerly perceived financial tax benefits of corporate borrowing. We conclude that, at present, corporate borrowing could imply a net disadvantage for the valuation of a company's equity by about 6 or 7% of the debt's market value.     

Financial literacy and its consequences: Evidence from Russia during the financial crisis

The ability of consumers to make informed financial decisions improves their ability to develop sound personal finance. This paper uses a panel data set from Russia, an economy in which household debt has grown at an astounding rate, to examine the importance of financial literacy and its effects on behavior. The paper studies both the financial and real consequences of financial illiteracy. Even though consumer borrowing increased very rapidly in Russia, only 41% of respondents demonstrate an understanding of interest compounding and only 46% can answer a simple question about inflation. Financial literacy is positively related to participation in financial markets and negatively related to the use of informal sources of borrowing. Moreover, individuals with higher financial literacy are significantly less likely to report experiencing a negative income shock during 2009 and have greater availability of unspent income and higher spending capacity. The relationship between financial literacy and availability of unspent income is higher in 2009, suggesting that financial literacy may better equip individuals to deal with macroeconomic shocks.     

How Do People Cope with Natural Disasters? Evidence from the Great Hanshin-Awaji (Kobe) Earthquake in 1995

This paper investigates the coping strategies employed by victims of the Great Hanshin-Awaji (Kobe) earthquake in 1995. Using a unique household data set, we show that households that held a large amount of collateralizable assets before the catastrophe and were free from a binding borrowing constraint were able to maintain their consumption levels by borrowing. In contrast, households subject to a binding borrowing constraint before the disaster were unable to borrow to cope with the losses inflicted by the earthquake. On the other hand, both types of households relied on private transfers, depending on the extent of the damage.     

Determinants of Capital Structure and Adjustment to Long Run Target: Evidence From UK Company Panel Data

This paper examines the empirical determinants of borrowing decisions of firms and the role of adjustment process. A partial adjustment model is estimated by GMM estimation procedure using data for an unbalanced panel of 390 UK firms over the period of 1984–1996. Our results suggest that firms have long-term target borrowing ratios and they adjust to their target ratios relatively fast, which might suggest that the costs of being away from their target ratios are significant. The results also provide support for positive impact of size, and negative effects of growth opportunities, liquidity, profitability of firms and non-debt tax shields on the borrowing decisions of companies.     

What expenditure does Anglosphere foreign borrowing fund?

This paper examines the extent to which foreign borrowing funds private investment, consumption and government expenditure in the United States, the United Kingdom, Australia, and New Zealand (the Anglosphere), advanced economies which have been the world's largest international borrowers since 1990. Using a bivariate predictive regression model, we estimate the relative importance of these expenditure aggregates as predictors of their external deficits, and hence foreign borrowing. Overall, based on quarterly macroeconomic data for the period 1990–2011, the evidence suggests that foreign borrowing has not financed higher household consumption in these economies over recent decades, with the possible exception of the United States. While results concerning government spending are mixed due to policy reaction, business cycle and public-private saving offset effects, strong results for private investment augur well for the sustainability of this grouping's foreign borrowing.     

Firm age and the evolution of borrowing costs: Evidence from Japanese small firms

This paper investigates how firms’ borrowing costs evolve as they age. Using a new panel data set of about 100,000 bank-dependent small firms for 1997–2002 and focusing on the channel of “adaptation” (i.e., surviving firms’ borrowing costs decline as they age) and that of “selection” (i.e., total borrowing costs decline as defaulting firms exit), we find that the reputation hypothesis suggested by Diamond (1989) provides a more plausible explanation of the downward sloping age profile of borrowing costs than the firm dynamics (Cooley and Quadrini, 2001) or the relationship banking (Boot and Thakor, 1994) hypothesis. In addition, we examine whether the firm selection process in Japan has been natural or unnatural. Our findings suggest that it has been natural in that firms with lower quality are separated, face higher borrowing costs, and are eventually forced to exit, which contrasts with the results of previous studies on credit allocations in Japan, including Peek and Rosengren (2005). Further, we find that the evolution of borrowing costs is partially due to selection but is mainly attributable to adaptation.