消费者购物动机研究述评北大核心CSSCI

购物动机被认为是隐藏在消费者行为背后的内在驱动力,它回答了消费者为什么会发生购买行为。研究表明,购物动机分为实用型购物动机和享乐型购物动机,其中实用型购物动机的消费者是目标导向的,关注购物任务本身,而享乐型购物动机的消费者关注购物的体验和情感方面。深入探寻消费者购物行为背后的动机,有助于学者和企业深入了解消费者的购物态度和购物行为,进行市场细分,确定营销战略,同时也促进消费者行为理论的发展。     

基于网络视觉营销下的消费者购买行为分析

网络视觉营销是当前网络购物盛行背景下的一种重要的营销方式,基于网络视觉营销下的消费者购买行为有多种,研究这些不同的消费者购买行为对促进网络视觉营销的发展以及引导消费者理智购物具有十分深刻的现实意义.     

消费者网络购物行为影响因素分析

互联网的发展带动更多的人选择网上购物,影响消费者购物选择的因素也越来越多。对影响网络购物行为因素进行系统讨论有较高的研究价值。本文介绍了网络购物的优缺点,然后阐述了对网络购物行为的影响因素。     

网络购物行为研究综述

网络购物伴随着互联网科技的成熟而发展壮大,各国学者也对这一新型的消费模式进行了研究.目前网络购物消费行为的研究主要体现在三个方面:一部分研究着从影响消费者网上购物行为的因素着手进行研究;还有的研究者对整个决策过程进行研究;另外一部分从不同的文化背景出发,探寻各国消费者的不同消费模式,做跨文化研究.     

电子商务模式下的消费者行为意向研究

结合我国电子商务中消费者群体现状,分析了消费者的消费心理和消费行为特征,具体研究了影响消费者行为意向的因素,并讨论了在消费者初始信任及品牌偏好影响下,会使消费者行为意向产生怎样的变化。     

电子商务模式下的消费者行为意向研究

结合我国电子商务中消费者群体现状,分析了消费者的消费心理和消费行为特征,具体研究了影响消费者行为意向的因素,并讨论了在消费者初始信任及品牌偏好影响下,会使消费者行为意向产生怎样的变化。     

内蒙古草原文化特质影响下的消费偏好分析

消费是社会再生产的重要环节,消费对拉动经济增长、促进生产发展有着极其重要的作用.如果说消费是人类通过消费品满足自身欲望的一种经济行为,那么消费偏好则揭示了这一经济行为的倾向.消费偏好是植根于文化的,它的形成是价值取向、审美取向、民族性格、民风民俗、宗教信仰、思维方式等文化因素综合作用的结果.如果商品本身折射出来的文化特质与消费者的消费偏好相契合,则有可能形成消费者的有效需求.因而,解读消费偏好中的文化元素并掌握消费偏好以及与此紧密关联的文化偏好对其的影响,进而解读草原文化影响下的消费偏好,对研究发挥消费对市场的导向作用、促进内蒙古民族文化产业化发展是有益的.     

国外消费者购物价值理论研究述评

购物价值是消费者在购物中感知到的多种价值组合,体现了消费者对购物体验的综合评价,反映了购物的功能性、享乐性和社会性意义.作为一种从消费者行为视角看待的价值概念,购物价值对零售企业的营销决策具有重要作用.     

网络购物对社会经济及消费者知情权的影响

随着社会经济的繁荣发展,网络技术的普及以及应用,网络购物作为一种新型的消费形式,在中国市场近年来如火如荼地发展。网络购物的迅速发展在改变消费者的生活方式、促进国民经济发展的同时,也出现了虚假信息等损害消费者知情权的情况。本文结合现阶段我国网络购物的现状,分析网络购物行为对经济社会的影响,并从经营者、消费者、监管者等方面探析网络购物行为对消费者知情权的挑战。     

以电视购物为例——浅谈信息不对称问题

电视购物在我国是一个新兴的行业,部分消费者因在电视购物中被骗已放弃了这种购物方式。本文阐述了信息不对称的涵义、分类以及引起后果,并通过建立模型的方法分析了次品市场驱逐正品市场的过程。最后提出通过健全法律法规、加强道德教育和社会监督,从根本上治理我国电视行业信息不对称问题。     

Almanac of anticipations: The age of affluence—of anticipation—of anxiety—of automation—of discontinuity—of longing—of overkill—of space exploration

With this survey of developments in the futures field since 1945, I.F. Clarke completes his present series for Futures. He makes two major points: that forecasting techniques have become essential tools in the management of change; and that nuclear weapons and ecological problems have added a moral dimension to the study of the future. In the next issue of Futures he will start a new series on the range of future-thinking in the USA, from the expectations of the first settlers to the Star Wars programme.     

基金公司经营融资融券业务的问题审视

融资融券业务正式运营已经开展,为证券市场带来了革命性的改革,作为证券市场的一大主体,基金公司面对融资融券也迎来了新的发展方向和挑战,本文从融资融券业务的运行机制入手,分析了基金公司融资融券的新契机,并对其即将面临的问题进行审视和剖析,进而提出策略建议.     

对基层人民银行科技工作的几点建议

银监会分设后,人民银行将专司货币政策、金融稳定、金融服务三大职能。作为人民银行的分支机构,基层人民银行的工作重心也将从金融监管调整到这三大职能上来。人民银行的科技部门,就要积极运用科技手段,为人民银行履行新的职能发挥“服务、支持、促进、发展”的作用。一、围绕三大职能搭建五大平台经过“六五打基础、七五作准备、八五大发展”几个阶段后,人民银行相继实现了核算电算化、清算网络化和办公信息化。特别是近一两年来,陆续开通了大额支付系统、信贷登记咨询系统、会计四集中系统、金融信息服务网站等系统,人民银行信息化水平又…     

The Usefulness of Measures of Consistency of Discretionary Components of Accruals in the Detection of Earnings Management

Abstract:  Prior research has shown the prevalence of measurement error in models used to estimate aggregate discretionary accruals. In these models, the incremental information content of the various components of accruals is ignored. Limited prior research and data gathered from firms under Securities and Exchange Commission (SEC) litigation indicate that managers use either one or more than one component of accruals simultaneously, in a consistent way to manipulate bottom-line earnings in a given direction. I propose two measures that capture the consistency between the discretionary components of accruals and test their significance in earnings management (EM) detection in firms that have artificially added accrual manipulation and firms that were targeted by the SEC for accrual manipulation. There is evidence that this information is incrementally useful in detecting EM. This finding paves the way for improvements in the discretionary accruals measure by including consistency information from the components of aggregate accruals.     

Summary of Results of Survey of Seminar Attendees

Abstract

The Society of Actuaries undertook a three-phase research project on mortality improvement in the three NAFTA countries: Canada, Mexico, and the U.S. Phase 1 consisted of a literature review of papers on projecting mortality levels in the future and a study of the trend in mortality improvement during this century. Phase 2 consisted of a discussion of different facets of modeling mortality rates at a seminar attended by 79 experts (actuaries, demographers, economists, and medical researchers) representing different countries. The last session of the seminar consisted of the completion of a survey by the attendees to obtain input for Phase 3, which would analyze the impact of mortality improvement on the social security system of each country. This paper summarizes the results of the survey.

The survey results illustrate the difficulty in forecasting mortality levels, because the effects of many factors that could have significant impact on mortality rates are unknown. This suggests the need for dynamic forecasting, which allows for the possibility of random shocks. A majority of the survey respondents believe that stochastic forecasting models, despite their complexity, have significant potential to add value. Respondents also believe that both historical data and cause-specific mortality forecasts are useful as input and also in validating forecasts of the aggregate levels of mortality. The challenge is to develop more sophisticated forecasting models to produce results that are relatively easy to interpret and to communicate these results to the desired audiences, including the public and policymakers.

The survey results suggest that the aggregate effect of lifestyle changes, medical advances, diseases, catastrophe, and physical environmental changes is an increase in life span. However, there is much uncertainty about the future. Respondents expect that beyond the year 2020 the mean annual rate of reduction in mortality for males age 65 and over will average about 0.58% for Canada, 0.76% for Mexico, and 0.67% for the U.S. The results for the female age 65 and over population are 0.64%, 0.83%, and 0.70%, respectively. The age 65 and over population is expected to see larger percentage reductions in mortality than the 0–14 and 15–64 populations. The reductions in male and female mortality will be ultimately the same, and the mortality levels in the three countries will ultimately converge, although differences may persist for decades.     

社会主义所有制形式的改革、完善与共产党执政能力的提高

在中国,所有制形式的调整、改革与完善,先进生产力的发展,党的执政能力建设,是社会主义建设过程中密切结合在一起的三个不同层面的发展关系.应在相互促进和共同提高中促进社会的和谐发展,保证社会主义现代化建设战略目标的顺利实现.     

银行软件项目外包管理分析

一、引言随着国民经济的不断发展,银行业务与外部企业的联系越来越密切。银行正逐步成为现代经济活动的中心,作为数据处理核心的银行业务应用也越来越大型化、越来越复杂化,因此许多银行也把软件项目逐步由原来的自主开发转变为与公司合作的方式,或直接外包开发的方式,银行本身的技术人员也逐步由开发转向项目管理。二、项目外包的分类银行项目的外包有以下几种情况:①部分子系统外包,有时由于银行的软件项目太大,单靠银行自身的开发力量基本无法在预定的时间内完成项目,只好把相对独立的部分外包;②直接购买软件公司的成熟产品,有些金融软…     

银行管理信息平台建设发展的思考

一、目前国内银行IT发展现状及面临的问题 银行数据集中工作的完成,标志着银行的业务由电子化建设阶段转入信息化建设阶段.一方面银行数据的集中提供了丰富全面的基础数据,面对日益庞大的数据源,如何将数字转化为对银行有用的信息,并从中发现知识,为银行的经营决策提供支持,是摆在银行IT人员面前的一个亟待解决的问题.另一方面用户对银行信息的需求日益增长,如果银行没有一套完整、实用的信息管理系统,将对业务发展非常不利.南京爱立信公司倒戈花旗银行事件曾经轰动一时,其中一个重要原因就是中国本地银行不能满足爱立信全球总部对南京爱立信公司的要求:每周财务上报和每天贷款限额管理.这一事件为中国商业银行的未来发展敲响了警钟,如果不加快管理信息系统的开发,迅速提升业务管理水平,类似的事件还会接连不断地发生,并最终导致国内商业银行在同国外商业银行的竞争中全面溃败.     

Separation of Unit of Account from Medium of Exchange

The separation of a unit of account (UoA) from a medium of exchange (MoE) in the commodity–money system is investigated by considering explicitly a seller's choice of UoA in terms of either an MoE or a unit of metal weight. If the likelihood of debasement of an MoE and its rate are high enough, the price is posted in terms of a unit of metal weight rather than an MoE. Interestingly, this MoE–UoA separated equilibrium yields the flexible nominal price, whereas an MoE–UoA integrated equilibrium yields the sticky one. This implies the nominal price rigidity in the fiat‐money system where MoE and UoA are integrated.     

金融企业员工考核系统的设计

一、概述 为配合公司人事考核制度的贯彻执行,保证该制度执行过程中各项工作能够长期、高效、准确地完成,我们开发了公司员工考核系统,实现了人事考核工作中员工投票、考核统计、考核信息分析、报表生成等功能,减少了人事部门人员的手工操作,提高了考核工作的自动化程度.