增信服务还是腐蚀效应:论金融科技等新兴产业发展过程中的风险信号

提出行业性风险暴发的"腐蚀效应"理论,即存在着一种特殊的行业风险暴发过程:行业中各个企业的倒闭是沿着企业的资质链从低到高的顺序发生的.该过程的存在得到了数据回归证实.对于科技金融等新兴行业,警惕和积极防范腐蚀效应,对防范行业性风险具有重要意义.对于客户信任高度依赖的新兴行业,如金融科技等,最容易出现腐蚀效应.因此,在一度高速膨胀的网络贷款领域出现腐蚀效应具有一定必然性."腐蚀效应"的存在也否定了当前把网络贷款行业大面积爆雷的原因归咎于其开展"增信服务"的普遍观点,真正引发风险的原因是网络贷款行业中的企业资质参差不齐和无序竞争造成的无谓成本的大幅增加.从政府对行业的管理视角来看,在促进行业发展时不忘记防范风险十分重要.这在实质上是对制度-制度接口的设计问题.因此应当以制度设计理论来指导防范风险政策的制定,才能取得更好的效果.     

关于企业税收流失与涉税人员的关系分析

对企业方面的税收流失与会计人员、企业负责人、税务人员、行政长官及社会监督人员的关系进行分析 ,提出税收流失重点在于预防 ,关键在于提高全体社会成员的税收意识 ,最终实现税收流失的源泉控制。     

玻璃纤维增强塑料夹砂管初始力学性能检测的研究

由玻璃纤维增强塑料夹砂管的环刚度、刚度等级概念分析了环刚度设计与检测的基本方法,探讨挠曲水平、轴向拉伸强力和环向拉伸强力检测方法,比较分析了各种方法的优缺点与适用范围,对理解及掌握玻璃纤维增强塑料夹砂管初始力学性能的概念及相关检测方法具有一定参考意义。     

富水粉细砂地层隧道综合降水设计与施工技术

本文通过对实例进行分析论述,解决了围岩受施工扰动和水长期浸润后开挖时不稳定问题,保证了隧道结构和施工安全,为同等或类似地质条件下的地下工程研究及施工提供借鉴和参考。     

晋西北风沙源治理区柠条生长规律研究

以晋西北风沙源治理区五寨县柠条解析资料为基础进行回归分析，确定柠条枝径、枝高的最优生长模型，并用实测数据绘制枝径、枝高的连年生长量和平均生长量曲线，进行生长分析，结果表明，晋西北风沙源治理区柠条枝径以韦布尔模型为最优，枝高以坎派兹模型为最优，3a＜树龄＜8a时，柠条的生长速率相对较快；枝径连年生长量和平均生长量均在8a时增加迅速，枝高连年生长量和平均生长量最大值出现时间均较枝径提早，分别出现在4a和6a时。     

高职铸造专业实训改进研究与实施

为了提高高职学院铸造专业学生实训效果,通过消失模铸造改进传统木模手工造型,既提高了学生实际动手能力,又使学生掌握了该门先进铸造技术,增强了学生就业竞争能力。     

特细砂配制高流动性泵送C55预应力混凝土应用

本文通过试验分析特细砂粒径,不同材质的特细砂的基本物理材性,采用现代混凝土配合比设计理念,研究了特细砂混凝土配合比的设计原则。通过分析砂率含量、用水量、高效外加剂对特细砂高性能混凝土在工作性和力学性能上的影响,确定砂率含量的范围;通过对特细河砂和天然特细山砂混凝土性能的对比试验,结果表明细砂完全可以替代天然中粗砂配制高性能高强度、高流动性泵送混凝土。     

The erosion of repeat-purchase loyalty

A large-scale longitudinal analysis is used to study the repeat-purchase rates of brand buyers in stationary markets. The data cover the leading brands in a number of frequently purchased grocery categories in three countries. We find that, in the medium term, there is a systematic but limited loss of repeat-purchase loyalty; across nine markets, erosion (the proportionate fall in repeat-purchase loyalty) averages 15 percent in the first year for the brands studied. Erosion does not differ by weight of purchase: similar rates are found for light, medium, and heavy buyer-segments. Brand leaders are found to have a lower erosion than smaller brands.     

用换土垫层处理软弱土地基

文中简述了砂垫层在处理软弱土地基中的应用方法及注意要点。     

Estimating the costs and benefits of soil conservation in Europe

Economics is about problems of choice. In erosion control, both public authorities and private land users are faced with such problems. What is the impact of erosion, both on-site and off-site, and to what extent can this impact be quantified? If we conceptualize this impact in terms of sustainability, how can we compare one type of effect against another? The former question can be answered only by natural scientists, the latter by economists and other social scientists. Weighing different aspects of sustainability requires value judgments, and economists are sometimes accused of having a jaundiced view of reality, wrongly supposing that decisions are based on rationality and denying the importance of emotion.However, let us assume that there is some mileage to be gained out of attempting to estimate the cost of erosion in an economic sense—which consists of converting the various effects into a common denominator: euros. If we can predict the impact of erosion control measures on erosion rates, we can know the benefit of these measures. The cost also needs to be calculated, not in terms of money but in terms of resources expended (which could have been used for other purposes) and in terms of possible negative impacts of erosion control (for instance, increased use of herbicides in reduced-tillage systems).There are important other considerations which economists may study. Firstly, there is the comparison of present versus future costs and benefits: how much can we sacrifice today for higher sustainability tomorrow?Secondly, there is the issue of private versus public costs and benefits: how do the goals of private land users differ from (those of?) the public good, how can this help us to predict land users’ behaviour, and what incentives would be appropriate to make them behave in such a way as to maximize the public good? Thirdly, how do we deal with uncertainty and risk?These problems loomed large in a study to support an extended impact assessment for the EU Soil Thematic Strategy, in 2005. Whereas much research has been done on erosion and its impact, much of this is on a small scale. The extent of the problem on a national, let alone a continental or a global scale, is still poorly known. The paper discusses how these problems were faced, which is not the same as saying they were resolved.