我国商业银行信用风险压力测试研究

以不良贷款率作为衡量商业银行信用风险的主要指标,借鉴国内外的研究经验,采用LOGIT方法论构建我国宏观经济因素对银行信用风险影响的压力测试模型,并通过假设情景法进行宏观压力测试,定量评估了宏观经济变化对商业银行信用风险的冲击。研究表明,压力测试可以为我国商业银行信用风险管理提供有益的参考。     

再论未成年人冠姓制度

独生子女家庭的日益成熟,使得传统的姓氏宗族观念和子息单薄之间的社会矛盾日益凸显,而现有法律对未成年子女冠姓问题规范明显不足。在未成年子女冠姓问题上,分配监护人的冠姓决定权时,应本着“儿童利益最大原则”,在男女平等的前提下,优先考虑直接监护人的冠姓决定权。同时扩张“合同”在民事领域的适用,以协议的方式为主、以法律直接规定的方式为辅来分配冠姓权利,不失为和谐的体现。     

从精神分析理论角度解读学前儿童喜欢童话的原因

童话是学前儿童非常喜欢的一种文学样式,因为童话能满足学前儿童本我的需要,儿童通过童话无意识地运用自我防御机制缓解心理压力,同时,通过童话,儿童可以整合早期内在世界的分裂,促进心理的发展。在幼儿教育仍具有浓厚的小学化倾向,学前儿童被迫疲于学习知识的背景下,给予儿童童话的权利,让儿童快乐地生活,有着十分重要的意义。     

国有控股比例与公司绩效关系的实证研究

以上证A股制造业中第一大股东为国有性质的上市公司2006～2011年的数据为基础,分析国有股持股比例与公司绩效之间的线性关系。结果显示,两者之间呈U型曲线关系,表明国有股持股比例在一定区间内,随着政府持股比例增加,政府对公司的干预渐强,公司的市场化程度降低,因而制约了企业的发展;而当国有股处于绝对控股地位后,公司总体业绩将得以提升。     

Out-of-range international normalized ratio values and healthcare cost among new warfarin patients with non-valvular atrial fibrillation

Abstract

Background:

Patients with out-of-range international normalized ratio (INR) values <2.0 and >3.0 have been associated with increased risk of thromboembolic and bleeding events. INR monitoring is costly, because of associated physician and nurse time, laboratory resource use, and dose adjustments.     

Path-dependent economic growth with technological trajectory

This paper develops an integrated model of neoclassical and endogenous growth, which accounts for both income inequalities across countries and the convergence hypothesis, while all the growth stylized facts are satisfied. The model in this paper assumes that an economy industrializes in two stages. In the first stage, the economy starts industrialization through factor accumulation (the Solow stage); and after sufficient factor accumulation, it switches to the second stage of endogenous growth through innovation (the AK stage). Therefore, it becomes crucial to determine when switching from the Solow to the AK stages is implemented. We model this switching problem as a two-stage optimal control and show that the growth rate declines during the Solow stage, while in the AK stage it becomes constant. In addition, we draw several policy implications.     

Caring for older people: an analysis of the small business sector

This study aims to analyse the small business sector in Spain for institutional care. In the Autonomous Region of Valencia, this sector is represented by non‐profit institutions. Our results show that non‐profit centres easily fulfil the legal requirements, especially with regard to personnel. They are generally of high quality and receive a large amount of volunteer work and funds from donators. Small business centres show an accurate daily cost per user of up to €56.48, a substantially lower rate than those offered by large centres.     

Internationalisation strategies of technology-driven small- and medium-sized enterprises

SMEs are increasingly active in international markets. Absence of sufficient resources limits the strategic options available to SMEs. This study examines SMEs’ use of the cooperation strategy to internationalise, both from a cross-sectional and longitudinal perspective. An analysis of data collected in 54 multinational SMEs operating in technology-driven industries suggests an inverted U-shaped relationship between SMEs’ size and their tendency to cooperate with partners to internationalise. In addition, SMEs’ internationalisation strategies are relatively inert. The results of the paper suggest that SMEs can make more effective use of different internationalisation strategies by acquiring knowledge of the pros and cons of the different strategies and by evaluating their choices on a periodical, structural basis, using their resource position as a guiding parameter.     

流动儿童的学校适应不良图式及其对学校适应的影响

采用问卷调查法对923名流动儿童的学校适应不良图式与学校适应进行测查,以探讨流动儿童的学校适应不良图式与学校适应的关系。结果发现：流动儿童在自我放纵性上呈极其显著的性别差异,男生显著高于女生;除猜疑感外,学校适应不良图式总分及其他维度存在非常显著的年龄段差异,初中生显著地强于小学高年级学生;流动儿童的学校适应不良图式与学校适应存在极其显著的负相关;在控制性别、年龄段的作用后,学校适应不良图式对学校适应有极显著的负向预测效应,其中无助感和自我放纵性预测力更佳。研究表明,流动儿童适应不良图式与其学校适应关系密切。