论体验营销在家具行业中的应用

21世纪是一个体验经济时代。本文先介绍体验营销的内涵和促使家具行业应用体验营销的因素,再重点阐明如何在家具行业应用体验营销的问题。     

动态环境下煤炭企业柔性营销策略研究

柔性营销策略是企业应对市场环境不稳定性、不确定性的一种新型的营销策略。面对动态多变的市场环境,煤炭企业的生存和发展不断地经受一次次的严峻考验。在这种环境下,煤炭企业应该实施柔性营销策略,以市场为导向及时对环境变化做出有效的回应,本文从柔性营销及其意义入手,基于4P理论分析了我国煤炭企业营销现状,并针对营销现状提出了动态环境下我国煤炭企业柔性营销策略,以促进我国煤炭企业树立现代的营销理念,积极调整优化营销策略,提高对市场环境变化的适应性、回应性。     

论我国保险营销的发展战略

保险营销是伴随着保险商品市场化而产生的，经历了一个由简单到复杂、由低级到高级的发展过程。我国保险业营销主要以险种的销售为中心，通过获取短期利润来实现企业长期经营。本文借鉴西方保险营销发展进程，结合我国保险业的现状和国情，从注重运用关系策略、服务策略、文化策略、全面策略、主动性策略、人本策略和应变策略等提出新的营销创新策略。     

刍议保险营销策略

加入WTO后，随着我国保险市场主体的增多，保险市场竞争日益加剧，保险公司传统的营销模式受到了严峻挑战。要保持国内保险业持续、稳定、健康发展，必须转变营销模式、调整营销策略。本文阐述保险服务特点及我国保险营销背景．并提出我国保险营销策略的相关建议。     

国外寿险营销渠道的发展对我国的启示

本文通过对比各国寿险营销策略,并结合我国寿险公司营销渠道的特点、现状、存在的问题等,进行系统性分析,找出我国传统营销模式存在的问题,并提出建设性意见,以推进我国传统营销策略的创新与发展。     

关于金融营销的几点思考

当前我国金融行业竞争激烈,必须深入研究市场需求才能制定出具有实际效用的金融营销策略。本文首先对我国的金融营销进行了概括性的描述,并从多个方面对我国的金融营销状况进行分析,提出了应当从创新理念、优化产品组合、积极开发新的营销策略等方面来实现我国金融业的更好发展。     

中小企业社会营销策略实证探析

实证分析保隆公司社会营销策略的经验,探索适合我国中小企业的社会营销策略。     

阳泉市房地产营销战略分析

随着我国房地产政策法规的逐步完善,房地产企业把握营销策略发展趋势,适时调整其营销策略势在必行。本文分析了阳泉房地产业在营销方面上CS战略、STP战略和品牌战略的具体运用。     

我国企业实施绿色营销的现实意义及策略思考

绿色营销是指照顾环层面的,以可持续发展理论为其指导思想的,在营销过程从始至终各个环节皆贯彻和实施绿色的新型市场营销。我国企业实施绿色营销是实现可持续发展的必然选择;是满足消费者绿色需求的需要;是企业打破绿色贸易壁叠的必由之路。在开展绿色营销中,我国企业应采取以下策略;产品策略;定价策略;分销策略;促销策略。     

通信市场渠道营销策略分析

通信市场渠道营销策略对通信企业竞争优势的发挥有着重要作用,本文介绍了我国通信市场渠道营销的概况,并提出了优化我国通信市场渠道营销的策略。     

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.