城镇居民养老保险调节机制分析

养老保险作为政府的一种强制性储蓄，为弥补个人的短视行为，调整储蓄率使其达到社会最优水平提供了可能，不同的养老保险机制其调节作用是不同的。通过对比各国不同的养老保险机制发现，我国特有的“统账结合”模式能有效地调节社会储蓄和消费比例，支撑宏观经济的调控。     

Real-world evidence of improved healthcare utilization in patients with schizophrenia or schizoaffective disorder after early treatment of paliperidone palmitate once-monthly treatment in Hong Kong

Background: Very few data are available to demonstrate the economic benefit of early paliperidone palmitate once-monthly long-acting injectable (PP1M) treatment in patients with schizophrenia or schizoaffective disorder.

Methods and materials: This study has retrospectively compared the healthcare utilization and associated costs of pre- and post-PPIM treatment in 413 patients with schizophrenia or schizoaffective disorder recruited from three major public hospitals providing psychiatric services in Hong Kong. Patients were categorized into early treatment (≤3 years since diagnosis) and chronic (>3 years) groups, and also whether they were receiving polypharmacy (POP).

Results: It was found that patients who were started on early therapy with no POP had the most favourable outcomes. Overall results of the entire cohort, including both early and late treatments, indicate that there was a slight increase in annual in-patient days (IP) per patient and outpatient visit (OP) by 3.18 and 1.87, respectively, and a decrease in emergency room visit (ER) of 0.9 (p?p?p?p?Conclusions: From the 413 patients studied, potential annual savings is higher by early administration of PPIM in patients with NP. Analysis using multivariate linear regression based on generalized estimating equations and sensitivity analysis using a linear mixed model supported the findings.     

Pension reforms and saving gains in the United Kingdom

The empirical validity of the effect of pension reforms on domestic savings in the UK has been investigated using an Auto‐regressive Distributed Lag (ARDL) model capable of testing for the existence of a long‐run relationship regardless of whether the underlying time series are individually I(1) or I(0). The total savings response to change in pension savings is positive and significant, but an increase in occupational pension saving appears offset by a decrease in other forms of saving. This paper concludes that there is no firm evidence that aggregate savings increase considerably because of privately funded pension schemes.     

TRAFFIC LIGHTS: WEAPONS OF MASS DISTRACTION,DANGER AND DELAY

Since my 2006 article in Economic Affairs proposing traffic system reform, there has been a growing interest in the subject. Trials in deregulation have produced the results that students of the subject predicted – congestion‐free roads and sociable interaction between road‐users.     

高储蓄：新视角下的最优化分析及影响因素研究

近年来我国经济保持了高水平的增长，根据有关部门测算，2009年全年GDP增速达到9．2％，人均GDP达到3736美元，同时我国的国内生产总值已跃升为世界第三位．但是，与之形成鲜明对比的是我国的城乡居民储蓄存款总额节节攀升。有资料显示，1995年的国内蓄率为42％，2003年为45％，至2006年达56％。据央行公布的金融统计数据显示，截至2007年底，全国居民储蓄总额为17．6万亿人民币，同比增长了6．8％。有必要用计量回归的实证方法进行分析     

National culture and national savings: is there a link?

We study the effect of national culture on economic decisions, focusing on GLOBE cultural dimensions of uncertainty avoidance and future orientation. Specifically, we study the effect of divergence between cultural values and practices (societal aspirations), on the aggregate savings decision. Using the life-cycle model of savings as our basic model, we find that societal aspirations are important in explaining national savings behavior. In particular, we show that societal aspirations relating to future orientation and uncertainty avoidance have a positive effect on the rate of savings. We interpret our findings to indicate that such societal aspirations lead to mistrust in the societal arrangements and institutions, and induce savings as a means of securing the future and reducing uncertainty. To substantiate this interpretation, we utilize the microfinance industry; showing that high societal aspirations are associated with preference for savings through member-owned microfinance institutions (MFIs) over savings through non-member-owned MFIs.     

外国资本流入对国内储蓄的动态效应研究

本文基于国际资本流动视角分析了外国资本流对我国国内储蓄的影响。通过实证分析,认为在短期内外国资本流对国内储蓄具有“挤入效应”,而长期则具有“挤出效应”。同时,结合我国储蓄与外国资本流入关系的动态变化,认为我国在引入外资过程中,更应注重对外资的利用效率,从而实现跨期资本流入的最优调整。     

邮政储蓄资金回流农村的障碍分析——基于“转存款利率下调后”的视角

邮政储蓄原有“只存不贷”的资金运作方式造成巨额农村资金的外流,严重加剧了农村信贷资金供给的不足,影响了农村经济的发展。2003年9月1日,中国人民银行大幅下调了邮政储蓄转存款利率,改革了邮储资金的运作方式。本文主要对改革以后邮政储蓄资金回流农村的情况进行考察,分析存在的问题并提出相应的对策与建议。     

我国居民家庭金融资产财富效应分析

利用中国人民银行1992年开始发布的住户部门流量金融资产年度数据,运用协整理论和ECM模型分析我国居民家庭持有的各类金融资产的财富效应,结果表明:可支配收入是影响我国居民消费的主要因素;居民手持现金、存款和股票的财富效应不显著;债券、保险资产存在负的财富效应,对居民消费有挤出效应.因此,在促使居民收入稳步增长的同时,必须进一步发展和完善我国金融市场,扩大市场规模,提高市场效率,稳定投资者预期,并尽快完善住房、医疗、教育、养老保险等体制,才能充分发挥金融资产对居民消费的引导和调控作用.