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Daniel Mertens 《New Political Economy》2017,22(1):12-30
Why did household debt in Germany not increase after the year 2000? This article offers a supply-side explanation for this deviant debt trajectory by tracing the historical evolution of retail banking in the German political economy. It argues that at the end of the 1990s and in the light of European Monetary Union, profitability issues and banking fragmentation became severe enough to interrupt the path towards credit-based financialisation as prevalent among other capitalist economies. These factors interacted with a traditional lack of tools and incentives for rapid credit expansion, even though they were renegotiated in the processes of financial liberalisation, internationalisation and innovation. By employing historical-qualitative as well as statistical evidence for the argument, the paper’s contribution becomes twofold. First, it introduces and conceptualises retail banking as a focal point in the analysis of national financial systems and their transformation. Second, it complicates the standard accounts of German non-financialisation and reveals the ‘contested’ character of financial reform. 相似文献
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Deborah M. Figart 《Journal of economic issues》2017,51(2):263-284
The process of institutional change is a fundamental theme in institutional economics. There are multiple avenues for forging institutional change — policies, laws, cultural norms, social movements, and social practices. I analyze three examples of progressive institutional change. While there are many to choose from, the three short stories focus on: (i) accounting for measures of housework and care work in GDP; (ii) transforming legal values through adoption of marriage equality in the United States; and (iii) interrogating the fresh-tomatoes food supply chain in order to achieve a penny-a-pound more in earnings for migrant field workers. Each of these examples of progressive institutional change involves changing values, a cumulative process. 相似文献
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Debt problems,home‐leaving,and boomeranging: A register‐based perspective on economic consequences of moving away from parental home 下载免费PDF全文
Atte Oksanen Mikko Aaltonen Karoliina Majamaa Kati Rantala 《International Journal of Consumer Studies》2017,41(3):340-352
This article analyses the development of financial problems after leaving one's parental home, and considers how financial problems are associated with likelihood of boomeranging (i.e., adult children returning to parental home). The 9‐year follow‐up study focused on a nationally representative sample of Finnish young people between the ages of 15 and 25 who moved out from their parental home between 2006 and 2009 (n = 9,196). The measure of debt problems was based on monthly data on debt enforcement, a legal matter which may bring serious consequences for the debtors. The primary within‐individual, longitudinal analyses showed that debt problems increased directly after leaving parental home. Education and family background were significant predictors of debt problems in the four years after leaving parental home. Early leavers had significantly more debt problems than later leavers. Debt problems were associated with a higher likelihood of moving back to parental home. The results imply that it is important to support economic decision‐making during early adulthood. 相似文献
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土地细碎化是当前我国农业生产的基本格局,也是农业适度规模经营和农业现代化的主要障碍之一。土地细碎化表面上是地块的细碎化。实质上是土地产权的细碎化,而无论是土地流转还是土地整治,都未能从根本上整合细碎化的土地产权。怀远县基于方便农民耕种的需要,在基层大胆创新的基础上,充分发挥集体组织调整土地的功能,通过“三不变、两提倡、一调整”形成了“一户一块田”的耕种模式,有效解决了土地细碎化难题。我国农村土地细碎化治理及制度变革,必须强化集体组织的土地统筹权利和能力,赋予其相应的土地(地块)调整职能,并加强农村基层组织建设;要立足于小农经济为主的基本国情,保护耕作者的利益,为满足现代化小农生产提供服务;既要尊重各地群众的意愿和创造性,也要规范指导,有序推进。 相似文献
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基于CGSS数据,利用Heckman样本选择模型对中国国有部门与非国有部门的工资差异和影响因素进行系统研究。回归结果显示,国有部门员工的教育收益率高于非国有部门,教育收益率与学历水平呈现正相关关系,与非国有部门相比,国有部门中大学本科及以上学历员工的教育收益率更高。工资差异分解结果表明,两部门全样本工资差异中市场歧视占比高于特征差异占比,与全样本相比,大学本科及以上学历员工的工资总差异和特征差异占比更高,系数差异占比更低,说明高学历群体中部门间工资差异更为明显,而且两部门中仍存在较严重的劳动力市场分割和就业歧视问题。因此,政府应努力消除劳动力的流动性障碍,深化国有部门市场化改革,制定更为合理的工资机制,以促进中国经济的持续健康稳定增长。 相似文献
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The housing market is a major component of the economy and persistent negative media reports can adversely affect perceptions and expectations of homeowners as to the value of their home. As a result, households reduce their expenditures and increase their savings in an effort to rebuild lost wealth. In the short run the economy suffers and the recession is magnified. This paper demonstrates, through an empirical study, how negative media reports regarding the deteriorating conditions of the national housing market affects what households feel their housing is worth. 相似文献
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保护农民土地权益需要农民内力和社会外力的共同作用才能有效实现。随着工业化、城市化程度的不断加深,各地侵害农民土地权益的事件时有发生。目前我国农民自我保护意识普遍较弱,对其自身合法权益的维护产生较大负面影响,因此政府有必要从教育、法律、组织、制度等层面引导农民树立自我保护意识。 相似文献
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