基于产业异质性的银行贷款政策效应分析——来自上市银行的经验证据

在银行信贷资金配置存在产业间差异的假定下,建立引入产业因素的银行贷款决定模型,考察产业因素影响银行贷款渠道有效性的内在机制,并运用2007年到2010年14家上市银行和5组产业数据展开动态面板模型估计,结果表明：从贷款需求角度看,各个产业的产出对产业贷款的影响效应存在产业间差异;从贷款供给角度看,人民银行运用货币政策工具调控产业贷款的影响效应也存在产业间差异。也就是说,产业因素确实影响到人民银行调控各个特定产业贷款的力度。     

试论政府网络新闻发言人的角色——兼及政府网络新闻发言人与传统政府新闻发言人的异同

政府网络新闻发言人在一些地方已经开始试水,但是学术界对这一问题的研究还没有及时跟上。政府网络新闻发言人必然有其存在的必然性,政府网络新闻发言人与传统政府新闻发言人是否有区别,如果有又在何处？它在当前及其以后该怎样发展,应当承担起何种角色以及如何有效的发挥其作用？对于这些问题还有待于探讨。     

Teenagers on the Net

ABSTRACT

Both in business and in academic research, the Internet and electronic commerce grow exponentially. Attention has predominately been directed to developing the companies' capabilities and systems, while the consumers' perspective in contrast has received much less attention. This paper takes this perspective and focuses on online behavior of specifically 16- to 18-year-old teenagers. This particular segment tends to open to new things and know a great deal about using computers and the Internet. A questionnaire conducted among students in a high school in southern Finland showed that the overwhelming majority had computer and Internet access at home. Most of the young respondents had already used the Internet for various purposes and intend to do so even more in the future. For the young, information search and communication were the main purposes of using the Internet, and lower-value products related to mobile phones were the main products being bought online. At the same time they had different concerns that influence their behavior and, somewhat surprisingly, reported a slightly negative attitude towards electronic commerce. In line with previous studies, privacy and security issues were the primary concerns for the young Internet users. Gender aspects also emerged from the data since there were several differences in Internet usage and online purchasing between girls and boys. Based on the findings, the paper ends with implications and recommendations for companies attempting to approach teenagers in order to build relationships with them.     

美、德农业社会化服务提供的启示

美国的农业社会化服务主要由三个部分组成：农业公共服务体系、集体农业服务体系和私人农业服务体系。公司＋农场、公司＋农户以及合作供销是美国农业社会化服务的三种形式。德国的农业社会化服务体系在于农业专业合作社组织的成功发展,尤其是健全的农村金融服务体系,由一个具有三级层次结构的分权型组织组成,通过立法和提供一些优惠政策,政府在服务体系中起了重要作用。我国农业社会化服务体系的组成和服务形式与美、德十分相似,在推动农村经济发展方面却有一定差异,美国和德国农业社会化服务的经验对中国农业社会化服务的发展具有重要启示。     

对洋快餐与中国餐饮竞争格局的思考——看中西文化的碰撞

当今中国社会,洋快餐大行其道,面对我们传统的中国餐饮受到的冲击,文章通过对中国传统饮食文化的认识,思考我们对洋快餐的消费是欣赏它"快"是消费它的"派"还是消费它的文化?并对洋快餐的竞争优势从它的企业文化,成熟的管理制度等方面进行了分析解答。     

企业合并会计国际差异的制度背景与思考

2006年财政部发布了《企业会计准则第20号——企业合并》。本文主要通过对该准则与国际会计准则的对比,分析其制定的环境背景因素并对我国企业合并会计准则进行了探讨。     

铁路个性化货运产品的设计分析与实现方案研究

随着市场经济和铁路运输业的快速发展,个性化运输需求和铁路自身的发展要求推动着产品战略的转型。本文从铁路货运产品的特征入手,讨论了个性化产品设计的基本原则,提出了一种结构体系,并结合铁路生产实践给出了实现方案。     

Reciprocity in Ranked Relationships: Does Social Structure Influence Social Reasoning?

Many economic and evolutionary theories have modeled cooperation as the evolutionary outcome of decisions made by autonomous, self-interested agents operating in a social vacuum. In this paper we consider the implications for cooperative interactions when prior social structures and corresponding social norms exist. In particular we investigate the influence of social rank/status on perceptions of fairness and tolerance of cheating. We review evidence from a series of experiments employing the Wason selection task (a test of conditional reasoning) and the ledger task (a decision making task) suggesting that people cued to adopt a perspective of high social rank are more tolerant of cheating and simultaneously believe that they have been more fairly treated (even when cheated) than people cued to adopt a perspective of low social rank. However, the evidence also suggests interesting cross-cultural differences in perceptions of fairness and tolerance of cheating in ranked relationships. This revised version was published online in August 2006 with corrections to the Cover Date.     

The impact of production offshoring on the skill composition of manufacturing firms: evidence from Italy

In this work we explore how the international outsourcing of production impacts the skill composition of employment within Italian manufacturing firms. In particular, our aim is to assess whether the choice to offshore production activities to cheap‐labour countries implies a bias in the employment of skilled workers relative to unskilled ones.

Using a balanced panel of firms covering the period 1995–2003, we set up a counterfactual analysis in which, by using a difference‐in‐differences propensity score matching estimator, we compare the dynamics of skill demand for treated and control firms while addressing the possible problem of selection bias.

Our results identify a ‘potential’ skill bias effect of production offshoring. In particular, we find that treated firms tend to show an upward shift in the skill ratio with respect to the counterfactual sample, but coefficients are not significantly different from zero. When we look at the elements of the skill ratio separately, we find that the skill bias is driven by a fall in the employment of production workers (blue collars), rather than by the increase in the employment of non‐production workers (white collars), thus providing further evidence on the unskilled labour‐saving nature of international outsourcing.