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1.
中国银保监会出台联合授信管理制度旨在抑制企业过度融资行为,提高资金使用效率。为检验该制度是否达到预期效果,采用2014—2018年沪深A股上市公司样本,运用非平衡面板数据回归实证考察联合授信机制对企业非效率投资的影响,发现联合授信对企业的非效率投资(包含投资不足和投资过度)呈现显著抑制效应,其中联合授信对投资过度的抑制效应最大。进一步研究发现,相较于国有、大规模、低负债、高盈利等异质属性的企业,联合授信对非国有、小规模、高负债、低盈利等属性企业的非效率投资(尤其是投资过度)抑制效应更为显著。 相似文献
2.
The spread of the COVID-19 pandemic has resulted in the launch of contactless delivery services. This research integrates resource matching, service quality evaluation, and perceived value theories to explore the factors that promote the use contactless delivery services. The data was obtained through questionnaire surveys, and research hypotheses were verified through the structural equation modelling approach. With the exception of convenience, the results show that privacy, reliability, security, and flexibility have a significantly positive effect on consumers' intention to use “contactless” delivery services through consumers' perceived value. This study contributes to the literature by introducing theoretical frameworks from various paradigms and enriches the academic research on existing theoretical structure models. It also helps optimize resource allocation and realize the social environment related to coexisting with the COVID-19 pandemic. 相似文献
3.
While artificial intelligence products are widely used in the market, their anthropomorphic appearance design is becoming a frontier issue in product strategy and consumer behavior research. The aim of this study was to investigate the influence of anthropomorphic appearance on consumer behavior and brand evaluation under different AI product types. It was conducted in China, a new but rapidly-growing country in the field of Internet, AI technology and AI product consumption. This study conducted four situational experiments with a 2 (anthropomorphic design: anthropomorphic vs. non-anthropomorphic) × 2 (product type: hedonic vs. utilitarian) between subjects’ experimental design. Data was collected from 1172 Chinese “Digital Natives” by using a structured questionnaire. The findings revealed that for hedonic AI products, anthropomorphic appearance improves consumers' purchase intention and brand evaluation through perceived entertainment, and intelligence level significantly moderates the mediating effect of perceived entertainment; while for practical AI products, anthropomorphic appearance improves consumers' purchase intention and brand evaluation through perceived usefulness, and intelligence level does not significantly moderate the mediating effect of perceived usefulness. There is no significant moderating effect of intelligence level on perceived usefulness. The study contributes to development and validation of a more comprehensive understanding and theoretical foundation of anthropomorphism, and furthermore explores the impact of anthropomorphic appearance on consumer behavior and brand evaluation under different AI product types. This study also provides insights for companies to apply anthropomorphic strategies. 相似文献
4.
基于转移概率和网络联系的辽宁省农村居民点适宜性评价 总被引:2,自引:0,他引:2
[目的]农村居民点适宜性评价在农村居民点调控、规划和预测中具有基础作用,且农村居民点适宜性评价应顾及农村居民点之间的社会经济活动联系。[方法]以辽宁省为研究区,首先运用逐步Logistic回归模型构建农村居民点转移概率,其次运用网络分析方法确定农村居民点图斑间的网络联系强度,最终通过加权求和方法确定农村居民点转化概率,进行农村居民点空间布局适宜性评价。[结果]辽宁省农村居民点可以划分为高度适宜类、较适宜类、一般适宜类和不适宜类4类,分别占农村居民点总面积的比例为28.18%、31.32%、13.26%和27.24%;从各地貌分区来看,高度适宜类主要集中分布在中部平原地区和东部山地丘陵区中的南方沿海地区,而不适宜类整体分布则较为零散;辽宁省中部平原区位条件好,东部沿海地区区位条件也较好,西部山地丘陵区地区较差。[结论]研究方法和结论有助于全面把握农村居民点社会经济与区位适宜性特征,为农村居民点科学规划提供科学指导。 相似文献
5.
道德风险总是困扰着职业经理人群体,对企业发展产生不利影响。在实践中,作为建立健全社会信用体系的重要环节,职业经理人信用评价是防范职业经理人群体道德风险的基本思路和必要举措。本文基于马克思主义的理论启示,探索职业经理人三个维度的道德关系和道德风险,并围绕三个维度指向的个人信用、职业信用与职务信用等具体信用构成,阐述职业经理人信用评价内涵。进而,结合职业经理人信用评价内涵,构建系统应对道德风险的职业经理人信用评价体系,并以重庆为例进行实证测度。在此基础上,提出促进职业经理人道德意识与信用水平提升、实现新时代职业经理人群体高素质发展的对策建议。 相似文献
6.
Ivan Valdez-Bubnov 《Business History》2018,60(1):105-125
AbstractThis article aims at understanding the evolution of the administrative methods devised by the Spanish monarchy to interact with regional private initiative for the production of warships. It also aims at understanding the practice of financing naval shipbuilding in the royal shipyards of Spain and Spanish America by public contribution, in the form of both credit and voluntary donations. These processes were largely influenced by the need of both political systems to perform efficiently in war. This article addresses the relationship between the state and local entrepreneurs and examines the reach and objectives of the Habsburg and Bourbon naval administrations, seen as variants of the ‘contractor state’. 相似文献
7.
A proper credit scoring technique is vital to the long-term success of all kinds of financial institutions, including peer-to-peer (P2P) lending platforms. The main contribution of our paper is the robust ranking of 10 different classification techniques based on a real-world P2P lending data set. Our data set comes from the Lending Club covering the 2009–2013 period, which contains 212,252 records and 23 different variables. Unlike other researchers, we use a data sample which contains the final loan resolution for all loans. We built our research using a 5-fold cross-validation method and 6 different classification performance measurements. Our results show that logistic regression, artificial neural networks, and linear discriminant analysis are the three best algorithms based on the Lending Club data. Conversely, we identify k-nearest neighbors and classification and regression tree as the two worst classification methods. 相似文献
8.
9.
推动区域经济生态化发展,绿色金融的支持尤为重要。对三明市绿色金融发展现状进行研究发现,虽然近几年该工作取得了长足的发展,但仍存在内生动力不足、供给结构过于集中、绿色产品创新度低、绿色直接融资发展滞后等问题。因此,应该建立长效的激励补偿机制、健全绿色融资担保体系、创新绿色金融产品以及完善绿色金融市场体系,通过加快绿色金融发展助推区域经济生态化发展。 相似文献
10.
[目的]利用遥感蒸散数据快速评价农田年度灌溉水平,及时获取基本农田建设成效,为农田灌溉设施分区建设提供参考。[方法]以黑龙江省海伦市为研究区,MOD16蒸散产品为数据源,计算有效灌溉量、灌溉需水量和作物缺水指数,分别对研究区2013年的旱地和水田灌溉水平进行评价,并将评价结果与农田水利设施作用分值图进行叠加分析,在此基础上进行基本农田灌溉设施建设分区。[结果]2013年海伦市耕地灌溉水平整体较高,区域间建设水平差别较大,可划分为4个级别。其中1级和2级灌溉水平的地块面积比例可达78.06%,地域分布上看,北部、西部、中部乡镇灌溉水平较高,东南部乡镇灌溉水平相对较低。叠加得出8种组合类型,分为设施修建型、设施提升型和设施维护型3种分区类型。[结论]研究为高标准农田建设提供了更详细的农田灌溉水平评价方法和更具差别化的农田灌溉设施建设策略。 相似文献