对我国开办消费信贷信用保险业务的思考

本分析了消费信贷信用保险在我国当前经济环境中的必要性及其对产险市场发展的重要意义,并探究了其开办的可行性,同时也客观地从技术、风险控制以及保险人财务能力方面指出了当前我国开办消费信贷信用保险的重重困难,最后,针对我国实际情况提出了当前开办消费信贷信用保险的几点建议。     

我国消费需求增长的制约因素与对策初探

扩大内需,应从激活消费市场着手,带动我国经济长期、稳定、健康地发展。本从收入、未来预期、产品结构、体制、消费信贷等方面对消费需求增长的制约因素进行了探讨,并提出了相应的对策。     

关于我国消费信贷问题的若干思考

消费信贷是扩大内需、拉动经济增长的一项重要措施，对推进我国市场经济的发展和信贷体制的完善有着重要的意义，为银行业务的拓展和创新带来新的机遇。在当今全球经济一体化的社会背景下，世界各国已进入“住”与“行”消费升级阶段，居民消费模式也同步发生变化，我国的消费信贷业务起步较晚，整体规模也比较小，因而，必须从转变观念、调整策略，完善机制，创新品种等方面，全方位，分层次地寻求加快发展消费信贷的对策。     

浅谈中国消费信贷风险管理问题

消费信贷与其他贷款一样，也同样存在贷款风险，如何正确地认识消费信贷的风险．合理地控制风险，建立适合中国国情的现代化消费信贷风险管理体系，是中国发展消费信贷必须尽快解决的重大问题。     

当前扩大消费需求的制约因素及其对策

章从七个方面提出了当前阻碍扩大消费需求的制约因素,并且相应地提出七个方面扩大消费需求的对策,从而对我国经济增长提出了有益的见解。     

发展我国商业银行消费信贷的思考

消费信贷是中国近年发展起来的一项新型信贷业务，呈逐年增长之势。通过对消费信贷发展的理论、前提、有利条件、制约因素及相关策略的论述，以期在理论和实践上对消费信贷的发展有一定的指导作用。     

城乡居民消费增长的制约因素分析和消费政策评价

制约城乡居民消费增长的诸多成因分为两类：一类是收入－购买力增量制约,消费需求的支付能力不足。在这种场合,可以认定“消费是收入的函数”这个一般原理;另一类是环境条件制约,即已经拥有的消费需求支付能力（消费购买力存量）得不到充分实现,在这种场合,消费就不再是收入的函数,而是另外一些自变量的函数。     

消费信贷：我国商业银行经营的新增长点

大力发展消费信贷,拉动消费需求,已成为启动经济增长的重要途径,本语文围绕商业银行如何发展消费信贷的一些问题进行探讨。     

我国消费信贷发展中的制约因素及对策

消费信贷可以促进消费 ,拉动经济增长。现阶段 ,我国消费信贷发展还存在一些制约因素 ,如居民货币收入水平较低、消费观念落后、消费政策不配套、社会保障制度不健全等 ,有针对性地提出了发展消费信贷的对策 ,如改革消费体制 ,完善社会保障制度 ,强化法律保障 ,开发热门品种等。     

大学英语教学改革的思考

随着对外开放的不断深入和WTO的加入，社会不仅需要外语人才的单位越来越多，而且对英语的听、说、译能力的需要也越来越高。因此，深化外语教学改革已刻不容缓。     

从中国的民主政治看中国大学教育改革的必要性

中国是社会主义国家,中国的政治是民主政治。那么在我国的大学教育中应该注意一些什么样的问题,我国的大学教育应该怎样去保障我们的民主政治,这是我们不得不思考的一个问题。为了巩固和完善我国的民主政治,我国的大学教育面临一些必要的改革。     

Anticipatory consumer socialization

While most consumer socialization research has focused upon the development of consumer orientations that young people can enact, little research exists on how children and adolescents develop consumer orientations that have relevance for adult consumer behavior. This article addresses the concept of anticipatory consumer socialization by focusing on a variety of consumer cognitions and how they are acquired.     

Measuring consumer innovativeness

The development of a self-report scale to measure domain specific consumer innovativeness is described. A major problem faced by researchers interested in the diffusion of innovations has been the difficulty in measuring the innovativeness construct in a reliable and valid way. Several operationalizations have been proposed and are commonly used, yet none has received substantial evidence supporting its reliability and validity. A series of six studies describes the development and evaluation of a six-item, self-report scale to measure innovativeness within a specific domain of interest familiar to the consumer. The scale is shown to be easy to administer, highly reliable and valid, and adaptable across domains.     

Pre-release consumer buzz

“Buzz” during the period leading up to commercial release is commonly cited as a critical success factor for new products. But what exactly is buzz? Based on an extensive literature review and findings from a theories-in-use study (consumer depth interviews and focus groups), the authors argue that pre-release consumer buzz (PRCB) is not just a catchword or a synonym for “word of mouth” but is a distinct construct for which a precise, shared conceptual understanding is notably absent. The authors define PRCB as the aggregation of observable expressions of anticipation by consumers for a forthcoming new product; they conceptualize the construct as being manifested in three distinct types of behaviors (communication, search, and participation in experiential activities) along two dimensions (amount and pervasiveness). PRCB is unique because prior to, versus after, a product’s release, (1) differing information is available, (2) differing mental processes occur, and (3) consumers’ behaviors have differing effects on other consumers, affecting diffusion differently. A quantitative study using secondary data for 254 new products illustrates the performance of the theory-based conceptualization.     

启动民间投资的理论分析和政策选择

投资是预示一国经济周期发展的晴雨表。要启动经济,必需先拉动投资尤其是民间投资的增长。     

Leisure and consumer behavior

The topic of consumer's leisure-time behavior is receiving increasing attention by marketers as Americans' leisure-related spending rapidly approaches the $200 billion level. This paper first examines the concept of “leisure” and then reviews various measurement issues. It concludes with several marketing implications and suggested issues needing further research.