数字普惠金融助力中小企业发展研究

通过将互联网技术、大数据分析以及云计算等技术应用于金融领域,大幅度地降低了交易成本和金融服务的门槛,为中小企业带来了新的机遇。中小型企业是我国现阶段社会经济发展的中坚力量,但是大多数的中小型企业都面临着融资难的困境。数字普惠金融则能够有效地解决中小型企业所面临的这一问题。论文以中小型企业各项特点、数字普惠金融的特点为基础,对中小型企业所面临问题的成因进行分析,对数字普惠金融对中小企业发展的影响进行分析,以此来探究数字普惠金融对中小企业的帮助。     

成品油配送优化管理系统研究与设计

通过对成品油配送业务的分析与研究,提出了销售预测、自动补货和配送优化问题的解决方案和程序处理流程,开发出了成品油配送优化管理系统。实验表明,该系统的应用在满足配送服务水平的前提下,减少配送运力约40%,降低总体库存约40%。     

我国农村物流业发展的财税对策研究

农村物流在我国发展缓慢，已经成为制约农村经济进一步发展的“瓶颈”。本文从交通运输、第三方物流、电子商务及物流人才等方面分析了我国农村物流业发展存在的障碍，进而提出应有针对性地实施财政投入、税收优惠、专项资金扶持等财税措施，促进农村物流的快速发展。     

Investment Bank Reputation and the Price and Quality of Underwriting Services

The relation between investment bank reputation and the price and quality of bond underwriting services is studied here. After controlling for endogeneity in issuer–underwriter matching, I find that reputable banks obtain lower yields and charge higher fees, but issuers' net proceeds are higher. These relations are pronounced in the junk‐bond category, in which reputable banks' underwriting criteria are most stringent. These findings suggest that banks' underwriting decisions reflect reputation concerns, and are thus informative of issue quality. They also suggest that economic rents are earned on reputation, and thereby provide continued incentives for underwriters to maintain reputation.     

Modeling Spatial Variation in Housing Prices: A Variable Interaction Approach

The absolute location of each real estate parcel in an urban housing market has a unique location-value signature. Accessibility indices, distant gradients and locational dummies cannot fully account for the influence of absolute location on the market price of housing because there are an indeterminable number of externalities (local and nonlocal) influencing a given property at a given location. Furthermore, the degree to which externalities affect real estate values is not only unique at each location but highly variable over space. Hence, absolute location must be viewed as interactive with other determinants of housing value. We present an interactive variables approach and test its ability to explain price variations in an urban residential housing market. The statistical evidence suggests that the value of location, as embodied in the selling price of housing units, may not be separable from other determinants of value. It is recommended that housing valuation models, therefore, be specified to allow site, structural and other independent attributes to interact with absolute location—{ x , y } coordinates—when accounting for intraurban variation in the market price of residential housing. This approach is especially useful when estimating the value of housing for geographic areas where very little is known a priori about the neighborhoods or submarkets.     

试论个人破产与财务管理

本首先探讨了个人破产的历史渊源，然后论述我国当前实施自然人破产制度的必要性，再次提出完善和发展我国个人破产制度的具体对策，最后，探讨个人破产过程中的相关财务问题。     

对当前海南省经济金融运行反差现象的思考

近年来，在我国国民经济保持较快增长的大气候下，海南经济开始复苏，并逐步转入经济发展的“快车道”，投资和消费稳中趋旺，外贸出口稳步增长，社会总需求全面拉升，金融运行日趋平稳，然而由于前些年经济过热带给海南金融业的负面影响仍未完全消除，导致了当前海南经济金融运行中出现了一些反差现象。本通过分析造成这种反差现象的原因，对今后海南经济金融走势进行探讨。     

铁路客流现状分析及其对策探讨

随着社会发展和人民生活水平的提高,人们出行的次数逐年增多。铁路在旅客发送量增长的同时,所占市场客运总量的比例却逐年下降。在分析客流组成和影响因素的基础上,提出铁路客流相对下降的具体原因。同时结合新时期市场需求,提出加强铁路客运工作的基本思路。     

和谐号动车组作业流程调查分析

中国铁路在第六次大提速中,投入了全新的和谐号动车组列车,其运用和整备方式与传统方式相比存在很大不同。根据实地调查,考察了动车组列车的作业流程,而且通过对各项作业时间的统计分析,发现不同作业之间存在着某些重叠和列车较长时间等待旅客上车等现象。针对这些情况,提出了压缩动车组列车在站台立折时间的建议。     

从城市交通外部成本分析公交优先的必要性

在论述城市交通外部成本构成和量化情况的基础上,对城市公共交通和小汽车的外部成本进行了比较,指出造成我国城市客运交通结构性失衡的根本原因是由于交通外部成本没有内部化。实现交通外部成本的内部化将提高公共交通在出行中所占的比例,这对建立合理的客运交通结构有重要的意义。