如何构筑家庭财富

在日常生活中，家庭财富管理存在两个极端：一是财富闲置浪费，家庭财富大量放在低收益产品上，犹如奔驰跑车在高速公路上只开到三十码，而通货膨张正悄悄地让财富逐渐缩水；二是财富集中投资，追求“一夜暴富”，但是风险的发生也会导致财富一夜成灰。那么如何合理构筑家庭财富呢？     

流动性约束对农户创业选择行为的影响——基于晋、甘、浙三省894户农民家庭的调查

流动性约束对中国农户创业行为有着切实的阻碍作用。通过分别利用"家庭土地出租收入"和"礼金收入"作为工具变量来克服流动性约束变量的内生性问题,基于晋、甘、浙三省农户的研究表明:流动性约束对中国农民是否选择创业以及选择何种创业类型具有显著的、一致的阻碍作用;此外,只有源于正规金融部门的流动性约束才对农户是否选择创业和创业类型产生抑制性作用,而非正规金融部门的流动性约束则不会对农户创业行为产生抑制作用。因此,旨在增加农民收入的创业扶持政策应该更加注重畅通农户通过正规金融渠道缓解流动性约束,而不应过分强调非正规金融渠道的作用。     

蛋生财富 创业无忧

特色烤鸭（鸡）蛋是在传统咸鸭（鸡）蛋的基础上创新发展起来的一种新型食品,不但具有茶蛋、卤蛋等浓浓的五香味和烧烤的焦糊味．更重要是它独有的弹性口感,嚼食中有像食肉的感觉和味道,     

蛋生财富 创业无忧

<正>特色烤鸭(鸡)蛋是在传统咸鸭(鸡)蛋的基础上创新发展起来的一种新型食品,不但具有茶蛋、卤蛋等浓浓的五香味和烧烤的焦糊味,更重要是它独有的弹性口感,嚼食中有像食肉的感觉和味道,此口感是其它做法所无法比拟和达到的。烤鸭(鸡)蛋的另一主要特点是切瓣不散,这就使它既可以配菜、凉拌、热炒等,因此它是一种新奇的大众化方便食品,只要你当地有咸鸭蛋卖,该产品就有市场。     

房价上升如何影响我国城镇居民消费倾向——基于两阶段家庭最优消费模型的研究

本文基于一个内含购房决策的两阶段家庭最优消费模型,首次将房价上升对居民消费倾向影响的财富效应、流动性约束效应和替代效应综合在统一的理论框架内.通过推导代表性家庭的购房时间和在租房和自有房两个阶段的最优消费路径并进行数值模拟,我们发现房价上升时租房家庭因推迟购房而增加当期消费,自有房家庭则因住房收益的增加而增加当期消费.基于国家统计局住户调查数据的实证研究进一步证明,房价上升总体上导致我国城镇居民消费倾向上升.本文最后提出了谨慎抑制房价并通过发展质量优良的公租房提升居民居住满意度和幸福感的政策建议.     

创业过程中财富创造影响因素研究

财富创造是创业过程开展的目的,也是创业研究的焦点。为了洞悉影响财富创造的内在机理,揭示影响财富创造的更深层次的因素,本文围绕创业过程中作用于财富创造的机会、资源与战略,梳理和评述其对财富创造的影响;并在此基础上,通过进一步深化财富创造与三因素间内在逻辑关系的理解,构建出财富创造与影响因素间的逻辑关系模型。     

探讨中国金融服务 增强家庭财富管理效用

进入21世纪,以家庭财富管理业务为主要代表的金融服务产品、服务方式创新,已经成为广大金融机构调整结构、加快转型的主攻方向。从国际情况看,金融市场日渐成熟,金融创新日趋活跃,投资方式和投资工具不断增多,商业银行经营模式开始向客户主导型转变,风险小、投入低、收益高、见效快的私人或家庭财富管理业务快速发展。从国内情况看,家庭财富管理已经成为促进金融机构深化改革创新,转变传统单一盈利模式,提高综合竞争力的“重要抓手”。因此,大胆探索如何创新中国家庭财富管理金融改革、如何创新中国家庭财富管理服务方式,不仅是认真贯彻落实强国富民政策的迫切需要,充分体现民生为本、鼓励增加居民财产收入、全面建设小康社会的必然要求,而且更是中国经济金融改革发展进程中必须解决的现实问题。下面,笔者就中国商业银行创新家庭财富管理的问题进行初步探讨。     

家庭资本对家庭创业决策的影响研究——基于城乡差异视角

基于CFPS2018数据,借鉴家庭资本理论,运用熵值法计算家庭资本得分及其各分维度水平,采用二元Logistic模型实证分析了家庭资本对家庭创业决策的影响及其城乡差异。研究发现：家庭资本显著促进家庭创业决策;家庭文化资本对家庭创业决策的影响存在显著的城乡差异。据此,本文提出多维度提升家庭资本水平、重点关注农村家庭资本综合提高等对策,以促进城乡家庭创业的积极性。     

伤病是家庭财富的敌人

如果你或是你的家人遭遇了重大疾病，或是意外伤害导致残疾甚至死亡，那么对你的家庭而言，不仅仅是精神上的残酷折磨，无疑也是一场经济上的灾难。     

坤鹏良药落地生金 创业有约财富共赢

<正>百年传承良药旺销2011辞旧迎新互利共赢2012年终岁尾,2011即将离我们远去,回首过去的一年,我们有收获,也有遗憾。面对即将姗姗而至的2012。坤鹏科技将与广大读者一同成长。携手创业,财富共赢。坤鹏科技是从一家祖传百年临床治疗,风湿骨病、心脑血管、糖尿病等各种     

中国服务业发展与城镇居民消费关系的实证分析

理论分析显示,服务业的发展将通过提高居民收入和改善收入分配等路径促进居民消费增长。本文引入路径分析方法,设计了两个步骤的实证方案:第一步,验证居民收入、收入分配对居民消费的影响;第二步,验证服务业发展与居民收入和收入分配的关系。同时,利用中国29省(市、区)1993-2010年的面板数据进行了计量检验。在此基础上,进一步分析了产业政策对服务业发展与居民消费关系的影响。结果表明,以2001年政策颁布为分界:2001年之后,服务业发展对居民消费产生了更大的促进作用。因此,产业结构优化升级和扩大消费需求具有内在一致性,而政策支持可以放大其积极效果。     

Cross-Country Differences in Entrepreneurial Activity: The Role of Cultural Practice and National Wealth

In this paper, we argue that national culture is important in interpreting the differences of entrepreneurial activities between countries. Furthermore, national wealth plays a moderating role between national culture and entrepreneurial activities. Datasets from the Global Leadership and Organizational Behavior Effectiveness (GLOBE) project and Global Entrepreneurship Monitor (GEM) study were analyzed. We find that there are interaction effects between GDP, a proxy for national wealth, and several cultural dimensions on entrepreneurial activities. More traditional cultural variables (in-group collectivism, humane orientation, and power distance) enhance early-stage and established entrepreneurship in low- and medium-GDP countries, but hinder early-stage and established entrepreneurship in high-GDP countries. More modernistic cultural variables (performance orientation, future orientation, and uncertainty avoidance) promote high-growth and high-innovation entrepreneurship in some situations, especially in high-GDP countries. Implications and limitations are discussed.     

中国家电市场营销渠道变革与家电制造企业的渠道关系选择

随着大型家电连锁零售业态的迅速成长,中国家电市场营销渠道正处于冲突多发、重组加剧的演变阶段.处于变革环境中的家电制造企业如何调整自己的渠道关系,取决于外部环境的不确定性、中间商对下游渠道创造增加值的能力和制造商的可替代性三个变量的不同组合.本文基于上述变量,在Kim&Frazier对渠道关系类型研究的基础上,构建了我国家电市场的渠道关系模型,据此阐述不同品牌影响力的家电制造企业在不同层级市场的渠道关系选择.     

Entrepreneurial aspirations, motivations, and their drivers

Several drivers of entrepreneurial aspirations and entrepreneurial motivations are investigated using country-level data from the Global Entrepreneurship Monitor (GEM) for the years 2005 and 2006. We estimate a two-equation model explaining aspirations using motivations and socioeconomic variables, and explaining motivations using socioeconomic variables. We find that countries with a higher incidence of increase-wealth-motivated entrepreneurs tend to have a higher prevalence of high-job-growth and export-oriented entrepreneurship and that a country’s level of social security relates negatively to the prevalence of innovative, high-job-growth, and export-oriented entrepreneurship. We also find that the increase-wealth motive mediates the relationship between socioeconomic variables and entrepreneurial aspirations.

电子商务创业型人才培养探索与研究

推行创业教育对于电子商务专业具有独特的优势,电子商务专业大学生创新创业能力的培养要贯穿于大学四年教育的全过程,应从树立创业理念、完善创业教育课程体系、构建电子商务创新创业实践平台这几方面培养学生的创新创业能力。     

外资并购和国内并购财富效应的比较研究

本文以49起外资并购中国上市公司的事件和52起国内并购事件为样本,运用事件研究法对外资并购和国内并购的财富效应进行了比较研究。研究结果表明:从总体上看,外资并购公司股东获得的累积超额收益要大于国内并购公司股东获得的累积超额收益,尤其在并购公告前后的几个短期累积区间内,外资并购的累积超额收益(CAR)要显著高于国内并购。     

Wealth Effects of Takeovers in Merger Activity Eras: Empirical Evidence from the UK

Existing studies on the assessment of shareholders' gains in takeovers have not taken the characteristics of the prevailing economic activity period into consideration. This study investigates the wealth effects to shareholders in the event of a merger and acquisition transaction by analysing 124 cases in the UK. The paper differs from previous studies in that it examines the abnormal returns found in two different economic periods. These include a boom period, characterised by high merger activity era (HMAE) and a trough period, characterised by low merger activity era (LMAE). The sample firms were categorised into friendly mergers and hostile takeovers— both successful and unsuccessful. The empirical findings derived from this work revealed that upon the differentiation of the two periods, the wealth effects to shareholders in the different transactions is related to the prevailing performance of the economy.     

Entrepreneurial inception: The role of imprinting in entrepreneurial action

Recent research highlights that founders' early decisions and the environmental conditions at founding each imprint upon a new venture in ways that affect growth and survival. However, we know much less about how the entrepreneur is imprinted and how the outcome of this imprinting process influences the entrepreneur and the venture. Through semi-structured interviews and content analysis, our study examines entrepreneurs' formative experiences during sensitive periods of transition, which we refer to as sources of imprint. We illustrate how these sources of imprint impact entrepreneurial decision making and explain how they guide entrepreneurs' decisions as they progress through their entrepreneurial careers. In doing so, we improve our understanding of how entrepreneurs navigate the entrepreneurial process.     

物价变动、家庭支出结构与中国城镇居民消费行为研究

本文将物价变动和家庭非消费支出明确纳入了分析家庭消费行为的理性预期—持久收入分析框架,构建了一个在物价变动环境下居民家庭消费跨期优化的理论模型,在此基础上按收入等级分类的住户调查伪面板数据对中国城镇居民家庭的消费行为进行计量分析.理论和实证分析的结果表明:影响中国城镇居民家庭消费支出的因素主要有上期消费的惯性作用、家庭实际可消费收入水平及其增长和通货膨胀的速度.近些年来,中国城镇居民家庭消费需求不足引致内需不振的最主要的原因是城镇居民家庭可消费收入增长慢于人均GDP的增长速度,其次是物价特别是住房价格的快速大幅上涨.     

Entrepreneurial actions and optimistic overconfidence: The role of motivated reasoning in new product introductions

Optimistic overconfidence (OO), that is, being certain of success only to end up disappointed, represents a potentially catastrophic error. However, few studies have identified which entrepreneurial actions are associated with it. To explore this issue, we examined 55 small companies and found that OO of product success was positively related to introducing products that required more resources and were more pioneering. Furthermore, satisfaction with company performance had a curvilinear (U-shaped) relationship with overconfidence. Both high and low levels of satisfaction were associated with greater OO in product introductions. In addition, the bias was positively correlated with entering hostile environments; that is, environments that are characterized by intense competition that threatens a firm and its introductions. Contrary to expectations, however, OO was negatively associated with environmental dynamism; defined as environments that embody frequent and large changes. The research also compared general knowledge overconfidence to OO, concluding that each represents a distinct bias with distinct effects.