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101.
    
This study proposes a new “two‐factor” risk preference metric and assesses its effectiveness in predicting financial satisfaction under two risk domains: investment market risk and credit card risk. The factors in our two‐factor assessment are risk tolerance and financial self‐efficacy (FSE), both of which have other theoretical and empirical support as measures of risk attitudes. We explore a range of specifications for the two‐factor risk preference (TRP) metric and find it to be effective in predicting financial satisfaction under uncertainty. Within the TRP framework, FSE emerged as a robust predictor of the financial satisfaction of credit card users regardless of respondents' risk tolerance level; similar results were found for investment market equity owners. Overall, this study presents evidence that suggests risk tolerance and FSE capture different aspects of risk attitudes and are more effective at predicting financial satisfaction together than either one alone. Results suggest that financial planners can more accurately predict client emotional responses to risky situations by assessing client FSE and risk tolerance levels, with FSE effects dominating risk tolerance effects in most cases. Financial planners can then improve client service by using the assessment results as a basis for investment portfolio allocation and credit market participation recommendations.  相似文献   
102.
    
This study proposed that human capital, health capital, attitudes toward finances, and the relative bargaining power of the spouse would influence the ownership and the amount of a person's retirement assets and the ownership and amount in stocks within the retirement assets. Using data from couples in the 2007 Survey of Consumer Finances, the results of logistic regressions and ordinary least squares regressions showed some support for each theory. The household heads who had more education, those who were in better health, and those who would take more risk when saving and investing were more likely to own some retirement assets and they had more in retirement assets. In regard to spousal influence, there was support for the bargaining power model but not for the shared resources model. As the spouse's level of education increased, the household head was more likely to own retirement assets and there was more in the retirement assets. The working status of the spouse and whether the spouse was more financially knowledgeable had a negative influence on retirement assets and the amount in assets. However, the amount of variance that was explained by the spousal variables was small; therefore, the results regarding the spouse's influence should be viewed with caution.  相似文献   
103.
暂缓判决的司法价值及其完善   总被引:1,自引:0,他引:1  
暂缓判决是创新少年审判机制的有益尝试,不断对暂缓判决进行发展和完善,扩大其适用范围,建立全方位深层次有效的考察工作机制,通过立法或司法解释方式把暂缓判决明确下来,是对我国少年司法制度的一种完善。  相似文献   
104.
老龄化时代社会养老模式研究   总被引:1,自引:0,他引:1  
中国已于2000年步入老龄社会,养老模式逐渐由家庭养老转向社会养老,养老保障问题日益突出。为了有效促进我国养老模式选择的合理化运作,本文将就我国的养老形式进行进一步的探究,分析比较不同国家、地区独具特色的养老模式选择,并对我国现今所面临的养老保障不足及人口红利等问题提出相关政策建议。  相似文献   
105.
近年来,居家养老服务逐步在全国各地发展起来,成为一种新型的养老方式。社会工作在居家养老体系中的介入有直接方法和间接方法,直接的方法包括老年个案工作、老年小组工作、老年社区工作,间接的方法包括老年社会工作行政、老年社会政策。介入模式可以从宏观、中观、微观三个层面来研究。将社会工作的专业方法引入居家养老服务中,可以促进居家养老服务的发展和完善。  相似文献   
106.
基于退休员工面临问题的企业预先应对策略   总被引:1,自引:0,他引:1  
李宏勋  钟娟  关峰 《价值工程》2011,30(25):98-99
本文详细分析了员工退休后将要面临的各种压力,并提出企业通过采取退休规划、团体咨询、安全理财等预先应对措施,使员工在退休前就充分做好了精神和物质上的各种准备,积极应对退休后的生活、安享晚年,对于企业提高员工忠诚度、留住和吸引人才、获得长远发展具有重要的现实意义。  相似文献   
107.
目前,我国正加速迈入老龄化社会,离退休老干部的管理问题正面临着比以往任何时刻都更加艰巨的挑战。新形势下离退休干部工作也出现了一些新问题、新动态。针对目前形势下离退休干部常见的一些问题进行了分析,并结合工作实际,提出了解决办法。  相似文献   
108.
    
This baseline study examines the retirement adequacy of indigenous Australians. Using indigenous Australian demographic and employment data, we construct a forty years retirement savings profile. We employ simulation techniques to estimate the superannuation balance of a “typical” indigenous worker. The findings reveal that the retirement outcomes of indigenous workers are approximately 27 per cent lower than the average non‐indigenous worker. We also provide baseline estimates of the gender gap in retirement outcomes for indigenous workers. We concede that improving indigenous lifetime outcomes is a significant public policy issue; one that requires many more policy levers than those available to financial economists.  相似文献   
109.
This article seeks to determine the most influential factors on the sustainability of a pension system. To this end, an empirical analysis was conducted on a sample of 13 countries, with different characteristics, according to three criteria: the size of the pension system's assets, the old-age dependency ratio and the success of the system according to the Mercer CFA Institute Global Pension Index. The results of this preliminary study show that countries with successful pension systems share a high rate of formal employment, good political stability, high life expectancy at birth, and a good rate of coverage by the pension system.  相似文献   
110.
Recent scandals in the business world have intensified the demand for an explanation of the causes of corporate wrongdoing. This study empirically tests the effects of mutual fund management fees and control structures on the likelihood of illegal activity within mutual fund organizations. Specific attention is given to the presence of agency duality issues in the mutual fund industry and how this influences the motivations and decisions of fund managers. Findings provide support for the hypothesized relationship that higher levels of management fees decrease the likelihood of illegal behavior. Additionally, control of the mutual fund by external management is found to have a negative impact on the likelihood of illegal activity while also acting as a moderator of the management fee-illegal behavior relationship. Justin Davis is an Assistant Professor of Strategic Management at Ohio University and Doctoral Candidate at The University of Texas at Arlington. His primary research interests include firm-level entrepreneurship, agency issues in corporate governance, and venture capital investment. Dr. G. Tyge Payne is an Assistant Professor of Strategic Management in the Jerry S. Rawls College of Business at Texas Tech University. His primary research interests include organization-environment fit/misfit, firm-level and corporate enterpreneurship; dual agency issues, and interorganizational relationships. Dr. Gary C. McMahan is an Associate Professor of Management and Coordinator of the Ph.D. Program in Management at The University of Texas at Arlington. His research interests include the strategic role of human resources in organizations and corporate governance and ethics in financial services institutions. He has published over 40 articles, monographs, proceedings, and book chapters.  相似文献   
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