家庭债务的变动与居民消费的过度敏感性:来自中国的证据

通过引入家庭债务变量对LC-PIH模型进行扩展,并运用动态最小二乘(DOLS)方法、误差修正模型、暂时性—持久性因子分解和脉冲响应进行实证分析,结果表明:家庭债务、收入和财富的持久性变动对消费存在显著的促进效应,收入的持久性变动影响最大,其后依次为财富和家庭债务;不同于传统分析框架的结论,不但财富的持久性变动会影响消费,其暂时性变动也会影响消费,但收入的暂时性变动对消费的影响并不显著;在家庭债务和财富的持久性和暂时性变动共同作用下,消费变动更为剧烈。因此,政策当局一方面要稳步提升居民预期收入水平,完善消费信贷的相关政策,以推动消费的稳步增长;另一方面还应密切关注家庭负债水平,以防范家庭过度负债而可能引发的债务收缩,导致消费的大幅下滑。     

Cross-Selling

Abstract

Cross-selling is an old and valuable technique used by salespeople to increase order size and to transform single-product buyers into multi-product ones. More recently, cross-selling has evolved into a strategy for customer relationship management. This article starts with a discussion of the benefits and pitfalls of cross-selling as a strategy for customer development within the context of CRM, oriented towards increasing the firm's share of the customer wallet, broadening the scope of the relationship with the customer, and increasing customer retention. This discussion is followed by a review of some of the analytical tools for identifying prospects for cross-selling, and by a discussion of technological and organizational requirements for the successful implementation of cross-selling.     

Realised absorptive capacity,technology acquisition and performance in international collaborative formations: an empirical examination in the Korean context

The research objectives of this paper are twofold. First, it attempts to identify the critical factors facilitating the acquisition of technology from foreign partner firms and performance enhancement in international collaborative formations. Second, it compares these factors across Western and Japanese sub-samples. A new concept, realised absorptive capacity, is employed to achieve these objectives. Using a sample collected through a questionnaire-based survey, our results show that trust and communication are critical components in transforming new knowledge, while active managerial involvement of the foreign firm and the participation of foreign expatriates are the keys to applying it for business operations. In particular, components consisting of the ability to exploit new knowledge (i.e. active managerial involvement of foreign firm, participation of foreign expatriates and provision of training) are closely associated with performance enhancement. In addition, our results confirm that there clearly exist different patterns of learning mechanisms and incompatible behaviours in improving performance between the two sub-samples. Based on the results, the authors suggest implications and future research avenues.     

Why buy new when one can share? Exploring collaborative consumption motivations for consumer goods

The notion of collaborative consumption or sharing economy—where consumers share access to ownership of properties such as cars, clothes and accommodations—has gained tremendous popularity in recent years. Development of communication technologies and peer‐to‐peer communities has enabled consumers to coordinate sharing activities through various online platforms. Collaborative consumption involves sharing of both intangible (e.g., music, space and car rides) and tangible assets (e.g., household items, clothes and furniture). Activities such as renting, swapping, trading and purchasing/selling used consumer goods are included in the latter. Despite increasing academic attention on collaborative consumption, little research has been pursued in the context of consumer goods. The nature of consumption for tangible goods can be entirely different from that of intangible goods because people can exercise greater control over tangible goods, which results in greater psychological ownership than that for intangible goods. To address this gap, the objective of this study is to develop a scale that examines consumer motivations for collaborative consumption of consumer goods. Following Churchill's paradigm of scale development, the procedures of scale item generation, purification and validation were conducted via in‐depth interviews, literature review and surveys. The study identified five underlying dimensions of collaborative consumption of consumer goods: concern‐for‐sustainability, social, variety‐seeking, fun and cost‐saving. Study findings and implications are discussed, and future research avenues are suggested.     

The Effects of Prior Spending on Future Spending Decisions: The Role of Acquisition Liabilities and Payments

Research in mental accounting shows that prior spending influences a consumer's decision to make a new spending decision (Heath and Soll 1996, Soman 2001). In particular, greater spending in a particular category reduces the likelihood of further spending in that category. In the present research, we decompose spending into two distinct episodes—the acquisition liability episode during which a purchase is made accompanied by a commitment to pay (e.g., using a credit card) and the payment episode during which the consumer's wealth actually gets depleted (e.g., paying the credit card bill). Using a controlled laboratory experiment and real world data from a group of consumers, we replicate earlier findings that prior spending influences a pending spending decision, but also show that the location of both the acquisition liability episode and the payment episode play a role. Our results contribute to an understanding of the dynamic mental accounting of acquisition liability and actual outflows.     

Does green morality lead to collaborative consumption behavior toward online collaborative redistribution platforms? Evidence from emerging markets shows the asymmetric roles of pro-environmental self-identity and green personal norms

The collaborative consumption toward online collaborative redistribution platforms can potentially ease sustainability problems. Although it has attracted the attention from academics and practitioners, research on its determinants and influencing mechanism is limited. This study develops an integrated theoretical framework to explore the impact of green morality and platform quality as potentially essential yet previously unexamined antecedents of collaborative consumption behavior toward online collaborative redistribution platforms. A questionnaire survey was conducted in a crucial emerging market, and consumer responses were assessed using a structural equation model. The results reveal that the green morality motive (i.e., pro-environment self-identity and green personal norms) and platform quality are determinants of collaborative consumption behavior. Second, platform quality moderate the relationship between green personal norms and attitude. Accordingly, the asymmetric roles of pro-environmental self-identity and green personal norms as green morality components are revealed. Third, attitude and intention play mediating roles in the relationship between collaborative consumption actions and antecedents. Finally, implications for both research and practice are discussed.     

一种简单快速的GPS信号捕获方法

结合一般的GPS信号捕获算法,提出了一种更为简单快速的GPS信号捕获方法。此方法在1023个码片时间约1ms,可以完成一颗卫星在一个多普勒频移下的全码捕获检测。FPGA仿真表明,与传统的捕获方法相比,所提方法减少了资源消耗与时间消耗,同时保证了能在一个C/A码周期内获取一个多普勒频移下的C/A码相位,捕获更简单快速。     

劳务派遣:农民工就业的新模式

当前,我国农民工就业中存在的突出问题是,就业难与维权难并存。如何实现农民工顺利就业以及如何确保农民工就业后的合法权益,是我们面临的一大难题。劳务派遣这种新兴的就业模式,对于增加农民工就业的数量,提高农民工就业的质量,是一种有益的探索。为了推动劳务派遣规范发展,促进农民工的就业与维权,必须发挥政府、法律和集体谈判的共同作用。     

网络环境下的政府公共服务协同研究评述

网络环境下的政府公共服务协同研究是各国在开展电子政务和提供公共服务过程中的一个新课题,主要从政府公共服务改革研究、协同政府研究、协同政务研究及网络环境下政府的协同服务研究四个方面展开研究。政府协同服务已成为电子政务建设的新趋势和新热点,并将最终导致网络环境下政府协同服务目标的实现。     

论投资者决策行为模式中的倾向效应

行为金融研究发现 ,投资者的决策行为并非完全理性 ,“倾向效应”普遍存在于个人投资者和投资专业人士中。了解“倾向效应”及其心理动因具有积极的现实意义     

金融发展对资本配置效率的影响分析

金融发展促进资本配置效率的提高,是金融部门的重要职能之一。改革开放以来,我国的金融发展迅速,但国民经济中资本的配置效率并没有相应提高。其原因主要是信贷资本配置结构扭曲以及政府的不当干预等,为此,就必须针对这些问题采取相应对策,才能实现金融发展对资本配置效率的推进。