The effects of risk aversion on life insurance ownership of single-parent households

This study investigates the effect of risk aversion of single-parent households with at least one child under 18 on life insurance ownership. Analysing the 1992–2013 Survey of Consumer Finances datasets, we found that the likelihood of owning term life insurance decreases as risk aversion increases, but the likelihood of owning cash-value life insurance increases as risk aversion increases. Smokers were less likely to own term life insurance but more likely to own cash-value life insurance than comparable non-smokers.     

What do fiscal stimulus packages mean for household debt?

We study the links between fiscal stimulus packages during times of crisis and households' liabilities. We do so by using household-level data on income and liabilities from the Consumer Expenditure Survey, and estimating an empirical model along those in the literature on the consumption effects of these packages. We find that receiving a check from the government tends to translate into a reduction in outstanding liabilities for American households. This effect is robust to controlling for income levels and household size. The effects are driven by households whose income is below the median and by those who remain employed during the crisis.     

“非中介化”、农户货币偏好与农户信用重建研究

本文对农村金融中的常态“非中介化”和农户货币偏好规律进行了探讨,揭示伴随农户借贷行为而产生农户融资渠道的转变和货币偏好,这两种经济现象背后的实质是信用的核心———普适性信任在发生作用,提出通过建立农户贷款担保基金和强化农村合作经济组织建设,以重构农户信用。同时,通过完善农村信用社的经营机制和产权结构,优化对农户信用缺失约束的外部环境,以增强双方的信任度,从而达到消除农村金融中的常态“非中介化”等对农户收入增长的不利因素。     

从彩电出口看我国企业在反倾销中的个体选择

近年来随着中国企业在国际市场的日益活跃,中国产品已成为国际反倾销的最大受害者。在针对个体企业的反倾销调查中,被调查企业通常具有强烈的应诉动机;但在针对整个行业的反倾销讼案中,个体企业往往不愿积极应诉,普遍存在“搭便车”的心理。规避反倾销调查只是权宜之计,反倾销的根本出路在于强化行业协会组织。     

温州机电产品营销人才需求调研报告

温州制造业转型升级对机电产品营销提出新的要求,课题组对温州地区机电行业企业进行了调查研究,掌握了温州企业对机电产品营销人才的需求状况,并在此基础上进行机电产品营销专业建设。     

Will elders provide for their grandchildren? Unconditional cash transfers and educational expenditures in Bolivia

We take advantage of repeated cross‐sectional household surveys and a sharp discontinuity created by the introduction of an unconditional cash transfer to elders in Bolivia, to evaluate its impact on educational expenditures on children within a household. We find positive and significant impacts of the program at the aggregate level. We also find that the program has stronger effects on indigenous populations as well as on female and rural populations. Our results are robust to a series of falsification tests, survey structure, model specification, and estimation methods.     

农村改厕新技术新产品推广应用问题与对策研究

［目的］厕所既是一个国家和地区发展水准和文明程度的体现，也与人民群众的健康息息相关。随着我国农村人居环境整治力度的不断加强，农村改厕新技术新产品不断涌现，加强其市场化研究可为建立农村改厕新技术新产品市场化机制、打赢“厕所革命”攻坚战提供决策参考。［方法］文章基于农村改厕新技术新产品区域适用性分析与各地农村改厕工作推进情况，结合实地调研形成的判断。［结果］我国农村改厕存在政府支持政策体系不完善、新技术新产品研发推广市场导向不足、行业缺乏规范和农户参与意识薄弱等主要问题。［结论］破除农村改厕新技术新产品市场化困境，需要科学合理加大资金支持、搭建新技术新产品市场化平台、构建政产学研协作推进机制、加强农村改厕的规范化管理、鼓励多种形式的社会化服务、加大宣传培训促进市场推广，多措并举建立市场化机制。     

基于三维分形的山东省农户分化及耕地利用异质性分析

研究目的:揭示农户分化的内在机制及其耕地利用异质性,正确引导农户耕地经营行为和可持续利用。研究方法:基于分形理论建立"职业—收入—耕地规模"三维农户分类体系,开展山东省农户耕地利用调研及实证分析。研究结果:(1)农户间耕地利用行为具有差异性,耕地面积较大的兼业户表现出"高投入—低收益"特征,且农户类型存在动态变化的可能性;(2)经济发展水平较高的城市呈现以"高度兼业户"为主要农户类型的"单核心"分化趋势;(3)农户分化过程除大规模纯农户和高度兼业户的"终点"外,还存在对农业依赖较大的兼业户和耕地面积较大兼业户等"中间态"。研究结论:农户分化过程有律可循,应针对性地制定耕地利用政策加以引导。     

The Income and Consumption Effects of COVID-19 and the Role of Public Policy*

We provide empirical evidence on the labour market impacts of COVID-19 in the UK and assess the effectiveness of mitigation policies. We estimate the relationship between employment outcomes and occupational and industrial characteristics and assess the effects on consumption. Seventy per cent of households in the bottom fifth of the earnings distribution hold insufficient assets to maintain current spending for more than one week. We compare the effectiveness of the UK's Coronavirus Job Retention Scheme and of Economic Impact Payments in the US. The EIPs are more effective at mitigating consumption reductions as they have full coverage, depend on household structure and are higher for low-income workers.