信息不对称对食品行业的影响及治理政策

食品收入作为物品收入的十分重要的组成部分,它直接影响着食品行业的经济效益。但是在中国国内,食品行业却存在着很多需要解决的问题,这些问题对国内食品业的发展产生了很多负面效应。例如,一个重要的问题是,在食品行业市场机制中"信息不对称"现象突出,本文通过构造相应模型,研究信息不对称在食品行业中的表现,探讨食品行业相应的治理策略,为高效调节我国食品市场提供充足的理论基础。     

基于有限信息的旅游者信息不对称分析

信息不对称普遍存在于经济领域中,旅游市场也不例外。本文从旅游者的角度出发,研究其面临的信息不对称现象,分析典型的旅游者陷阱模型,测量旅游产品的信息不对称度,以期对旅游者有所启示。     

市场信息不对称的危害

一般均衡理论隐含着完全信息的假设,然而现实生活中的市场却大多数都是非对称信息市场。一方面信息不对称促进了劳动分工和专业化发展,但是市场信息的不对称同时也存在着危害,本文正是通过分析不对称信息市场,提出了减少市场信息不对称的方法。     

消费品市场信息不对称问题分析

信息不对称是现代经济学中最重要的概念之一,对消费品市场中信息不对称的表现及对市场各主体行为的影响进行了分析,并在此基础上提出了相关的建议,以改善市场中信息不对称的状况。     

信息不对称对毕业生就业市场的影响

“信息不对称”是造成大学生就业难的深层次原因之一。本文从高校毕业生就业工作系统化的角度,论述信息不对称对高校毕业生就业工作的影响,并从信息不对称理论出发,对解决高校毕业生就业工作信息不对称的路径进行了探讨。     

产品市场信息不对称的品牌策略

市场中信息不对称是普遍存在的。由于消费者的有限理性及受搜索成本的制约在信息的拥有上处于劣势地位。因此,消费者在没有足够可以信赖的信息下,会对企业的产品产生怀疑从而减少购买。品牌作为一种信息的载体,它将产品的信息传达给消费者,使市场信息透明化、信息对称化。企业可以通过品牌策略树立良好的品牌形象,降低市场中信息不对称程度、减少消费者的交易成本、增强消费者的购买信心。     

信息不对称与市场中介组织建设

信息不对称作为市场经济中的普遍现象,其存在影响市场的有效运行。本文在探讨信息不对称,中介组织和市场经济三者关系的基础上,提出建设中介组织的几点建议。     

信息不对称对商业银行信贷风险的影响

在社会主义市场体制下,商业银行之间的竞争日趋白热化,而信货风险也随之而来,若不得到很好的解决,将会对商业银行造成严重的经济损失。其中借款者与货款者之间的信息不对称是造成商业与银行信贷风险的重要原因。比较来看,借款者在其借款、担保、资金以及风险与收益等方面,其熟悉程度要远低于货款者,为了有效避免或者缓解因为信息不对称造成...     

互联网对旅游市场信息不对称的完善

本文论述了信息不对称对旅游市场的影响、信息时代下旅游市场的变化以及互联网完善旅游市场信息不对称的主要形式。     

Consumer credit card ownership and usage practices: empirical evidence from Sri Lanka

Knowledge that has been accumulated through research efforts concerning credit card ownership and usage behaviour has been confined to Western societies. Given the importance of cross‐national application of consumer marketing concepts and propositions for academic and practical reasons, investigations are needed to test whether consumer credit card usage patterns that are assumed to exist in the West also exist in non‐Western parts of the world, especially in Asia. Therefore, objectives of this research were to explore credit card ownership and usage practices in Sri Lanka, and to explore the relationship between credit card ownership and usage practices, and demographic and socio‐economic characteristics of credit card users. The findings offer implications for researchers and practitioners.     

Pricing of card payment services in Scandinavian banking

Pricing of card payment services includes many considerations of cost and revenue in an environment of changing payment technology, network effects in two-sided markets and price bundling. This paper describes the consumer pricing methods for card payment services by Scandinavian banks and evaluates their explicit pricing methods. The main findings suggest that Scandinavian banks in general are more interested in earning revenue from implicit prices than in encouraging the use of more cost efficient technology by charging explicit transaction fees. However, the pricing methods applied may vary, depending on the country and a bank's service supply.     

Mutuality as a control for information asymmetry: A historical analysis of the claims experience of mutual and stock fire insurance companies in Sweden, 1889 to 1939

We test two competing arguments regarding the influence of organisational form on underwriting performance using data from the Swedish fire insurance industry for the years 1889 to 1939 – a period of both economic growth and stagnation. Since mutuality is a response to information asymmetry problems, mutual insurers are expected to report lower annual claims relative to premiums than stock insurance companies. However, an alternative view is that stock insurers seek to reduce information asymmetry problems by issuing non-participatory rights insurance contracts with high deductibles that induce risk-sharing between the insurer's shareholders and policyholders. This implies that stock insurers are likely to report lower annual claims than mutual insurers. Our results show that organisational form is an important determinant of the claims experience of Swedish fire insurers, suggesting that mutuality acts as an effective control for information asymmetries in the market.     

我国银行间信用信息共享行为与征信体系构建分析

银行和借款者之间信息不对称的降低，很大程度上要受益于银行间的信用信息共享机制。文章通过信用信息共享抉择模型分析我国银行间信用信息共享与合作动力机制，得出在目前信贷市场结构下，各银行对信用信息共享程度的期望值不同，而公共机关强制的信息共享可能对银行的行为产生游离或参与两种截然不同的效用。因此，必须建立有效的信用信息共享激励和约束机制，推动银行加深信息共享。同时通过公共征信系统和商业征信的共同辅助，形成相对完善的社会征信体系．     

论信息不对称下的营销失德与诚信体系建设

营销道德的缺失干扰了人们正常生活,阻碍了社会健康发展,诚信成为当今社会一个热点问题。从信息不对称理论看,当今营销道德的失范,经济人动机是诱因,信息不对称是必要条件,失范的营销活动不仅损害了消费者的利益,而且也劣化了资源配置,因此应采取相应措施加以治理。     

The role of time preference and credit card usage in compulsive buying behaviour

College students represent a lucrative market for businesses selling a wide array of goods and services, including credit. One area of concern regarding credit debt is its association with compulsive buying behaviour. This study analysed compulsive buying behaviour within an economic framework using a college student sample. Data were collected from 7342 students enrolled in a major Midwestern university. Regression analysis revealed that income, rate of time preference, money attitudes, credit card usage and gender were significantly related to compulsive buying. This study provides useful information for developing, or revising, university policies regarding financial education and counselling, as well as curriculum considerations.     

Effects of social demographic attributes,knowledge about credit cards and perceived lifestyle outcomes on credit card usage

The aim of this paper is to identify and assess the effects of credit card users' demographic and socio‐economic characteristics, knowledge about credit cards, and perceived lifestyle outcomes of the credit card usage on credit card usage practices. A sample of 177 individuals in Sri Lanka who possess Visa, MasterCard or American Express credit cards responded to the survey. The hypothesized relationships were examined by means of path analysis. The findings offer implications for research and practice.     

The role of information asymmetry in the choice of entrepreneurial exit routes

Our quantitative study investigates the determinants of internal versus external exit routes in family firms. Building on information asymmetry theory, we examine how an owner's inferior knowledge about the abilities of potential external entrants (in contrast to family internal successors) renders a family internal transfer more likely. This information asymmetry, however, can be mitigated by activities such as owners' screening and transfer candidates' signaling efforts to reveal the candidates' abilities. Our data exhibits a positive effect of signaling and an inverted U-shaped effect of screening on the probability of external exit routes. Firm age, as a driver of emotional attachment, weakens these effects.     

Consumer behaviour in the credit card market: a banking case study

This paper analysed the demographic, socio‐economic and banking‐specific determinants that influence the choice of credit cards. A multinomial logit model was run on a recent portfolio of banking customers based in Italy. The model incorporates the type of credit cards as the dependent variable and a set of explanatory variables. The empirical results provided useful insight into the structural characteristics of the card payment system and offered a microeconomics perspective to analyse consumers' behaviour and preferences. Overall, women, older people, residents in the centre of Italy and secondary card owners are more likely to acquire a classic card. Gold cards are preferred by older customers, whereas younger clients have a higher probability to choose a revolving card, which is also preferred by the residents in the North‐east. The analysis on the continuous variables highlighted that Italy can be regarded as a ‘conservative’ market with room for credit card upgrading and expansion into more sophisticated products.     

Mitigating information asymmetry through sustainability assurance: The role of accountants and levels of assurance

This paper aims to examine the usefulness of sustainability reporting in reducing information asymmetry as result of lower dispersion and higher accuracy in financial analysts’ earnings forecasts. The empirical results from an international sample of listed companies indicate that the disclosure of sustainability information alone is not sufficient in this regard as our findings indicate that information asymmetry is reduced to a greater when such information is assured, supporting the value relevance role of sustainability reporting and assurance. In addition, the empirical findings suggest differences in terms of assurance attributes (provider and level of engagement) and such differences are even more relevant when controlling the institutional context. Assurance is highly appreciated by investors in more stakeholder-oriented countries; however, in more shareholder-oriented environments, assurance affects information asymmetries only when it is provided by accounting professionals who also report a “reasonable” opinion.