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1.
The restructuring of the financial landscape that has occurred in the last three decades, has led to a reassessment of co‐operative models of organization. An outcome of this process has been the demutualization of mutual financial organizations. Using a case study approach this paper analyses the pressures on mutual structures encountered by Australian mutual life insurers. Such an approach provides a number of insights into the way in which firms adjust to changes in regulatory and competitive environments. It is concluded that a number of exogenous and endogenous forces combined to drive the process of organizational change.  相似文献   
2.
The knowledge of a product's life cycle is the first step on the search of sustainable development. The life cycle assessment (LCA) is an important method because it allows an environment accounting, where the extraction of natural resources and energy of the nature are considered and the "returns" to the same one and allows in evaluating relative potential the environment impacts generated. The present work had as objective to make an analysis of material and energy flows of the life cycle of three types of packaging for soft drinks: glass bottles of 390 mL, aluminum cans of 350 mL, and bottles of PET of 2,000 mL. The study considered processes since the extraction of raw materials for production of the packaging until the stages of recycling, after the consumption of the soft drink. For the research, an inventory analysis followed the LCA methodology. The main critical points of generation of negative environmental impact during the life cycle of each packaging had been the identified and quantified data in this study. The consumption of natural resources like water and other raw materials and energy, the generation of atmospheric emissions, solid wastes and wastewaters had been the analyzed categories. The results showed that, in accordance with the scenes and defined variables, the most important conclusion was that the bottle of glass presented a less favorable scene to the environment in comparison with other packaging.  相似文献   
3.
文章立足于生命历程视角,通过深度访谈,关注在青新生代农民工的城市融入现状,把握他们生命历程中辍学、进城、结婚等生命事件提出充分发挥社会工作专业优势,从宏观、中观、微观等三个层面展开介入,利用个案、小组、社区、企业社会工作等方式进行帮助指导,为他们提供专业的服务,提高适应城市的能力,加快城市融入的进度。  相似文献   
4.
从专利视角出发,对我国固体氧化物燃料电池技术的发展态势进行了研究,分析了专利申请的总体发展趋势、区域分布情况、申请人情况、技术关联情况等信息,以期为我国燃料电池技术的研发和产业发展提供参考。  相似文献   
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6.
As the focus of environmental policy and management shifts from cleaner production at the process level towards greener products as a whole, stakeholders ask for transparency throughout the entire value chain. This article assesses the comprehensiveness and the value of currently reported quantitative environmental disclosures of 97 listed companies from the automotive, banking, pharmaceutical and electronic hardware sectors. Findings indicate that quantitative environmental disclosures have many limitations, including incompleteness and inconsistency regarding corporate activities and sites, and limited internal data coherence. For many sectors, corporate disclosures only cover a very small share of the total environmental burden of products. A stepwise procedure is proposed to verify and improve the quality and completeness of reporting using life cycle approaches. We present simple data quality tests, and we introduce the concept of the environmental influence matrix, which provides a solid basis for the identification and prioritization of key performance indicators and areas of action. Copyright © 2009 John Wiley & Sons, Ltd and ERP Environment.  相似文献   
7.
寿险营销的创新战略——数据库营销   总被引:1,自引:0,他引:1  
傅杰 《保险研究》2011,(5):77-82
客户是企业的生命,也是企业唯一诉求的目标.开拓新客户,服务老客户,培养长期的忠诚的客户群,这是企业的价值所在.目前,寿险营销的核心问题就是客户问题.以代理人为主体的行销过程中,存在着准客户积累不足、新客户开拓不足、老客户留存不足、忠诚客户沉淀不足的问题.本文提出了数据库营销的创新战略,从根本上解决了服务客户时的"找不到...  相似文献   
8.
我国人身保险市场结构变化与预测分析   总被引:1,自引:0,他引:1  
虽然保险业经受了本次金融危机的考验,但是保险业可能成为系统性风险传导链条上的一环,因此,保险监管机构需要转变审慎监管方式,建立适合保险业的宏观审慎监管框架。在这个背景下,对中国人身保险市场结构现状有一个较为清晰和准确的认识就显得十分必要。研究发现:从全国范围来说,我国寿险市场主体数量较少,人身险市场集中度过高,市场结构为寡头垄断,但各地区的人身险市场结构又各有特点,经济发达地区人身险保险市场结构已经过渡到垄断竞争阶段。根据成分数据预测结果分析,在"十二五"期间,我国人身险的市场集中度继续呈下降趋势。  相似文献   
9.
张铁铸  周红 《保险研究》2011,(1):117-127
基于ISIS全球保险公司数据库收录的美国寿险公司数据资料,本文研究了美国寿险公司的不动产投资情况.研究发现,从美国寿险公司的资产组合构成来看,不动产投资所占的比重还很低,且在次贷危机前后不动产投资在整个资产组合中所占的比重没有很大的变动.在美国房地产市场顶峰期的2005年,寿险公司所持有的不动产投资反而是最低的.但是,...  相似文献   
10.
As documented in the literature, the effects of firm size, financial leverage, and R&D expenditures on firm earnings are inclusive. Our hypothesis is that the inconsistent empirical results of such effects may be driven by the regression models implemented in data analysis. Using the quantile regression (QR) approach developed by Koenker and Basset (1978), this study analyses S&P 500 firms from 1996 to 2005. We find that the effects of firm size, financial leverage and R&D expenditures on firm earnings differ considerably across earnings quantiles. Comparing the results from the QR approach with those from the ordinary least squares (OLS) and least absolute deviation (LAD) methods, this study further explains the puzzling relationship between firm size, financial leverage, R&D expenditures and firm earnings.  相似文献   
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