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101.
Birger Meidell 《Scandinavian actuarial journal》2013,2013(1):180-198
Abstract Les calcuis pénibles et laborieux que nécessitent trop souvent les opérations d'assurance sur la vie, rendent fort désireux de trouver des formules d'approximation ou bien des inégalités générales, faisant connaître en chaque cas particulier, et avec le moins de travail possible, une limite supérieure ou inférieure des expressions dont on cherche la valeur numérique. Cela est évident surtout au cas où l'on désire senlement faire une évaluation “à peu près”. Les exemples en abondent. 相似文献
102.
Göran Nilsson 《Scandinavian actuarial journal》2013,2013(3-4):128-136
Abstract A one-dimensional random variable X is given. We have L points, µ1, µ2, …, µ L , and define the random variable Z = minµ h | X — µ h |, that is the distance to the nearest of the L points µ1, …, µ L . We want to find that set of points µ h for which the function has a minimum. As we shall see in section 2, this problem is equivalent to finding L strata with the set of points of stratification x 1, x 2, …, x L?1 that makes a minimum. wh is the probability mass and σ2 h the variance of the hth stratum. By differentiation of φ with respect to xh one can show [3] that a necessary condition for minimum is where µh is the mean of the hth stratum. In section 2 we obtain this condition in another way, which at the same time gives a method of finding the points µh and xh . 相似文献
103.
This paper implements a conditional version of the liquidity adjusted CAPM (LCAPM). The conditional LCAPM allows for a time-varying decomposition of the total illiquidity premium into a level component and three risk components. The estimated average annual total illiquidity premium for US stocks 1927–2010 is 1.74–2.08%, which is substantially lower than in most previous studies. The contributions from illiquidity level and illiquidity risk are 1.25–1.28% and 0.46–0.83%, respectively. Of the three illiquidity risk components, risk related to the hedging of wealth shocks is the most important, while commonality risk is the least important. The illiquidity premia are clearly time-varying, with peaks in downturns and crises, but with no general tendency to decrease over time. The level premium and the risk premium are significantly positively correlated, at around 0.35; indicating that in periods of turbulence both illiquidity cost and illiquidity risk premia tend to be high. 相似文献
104.
We investigate whether the future relationships between several pollutants and per capita income in rich countries may assume the inverted U‐forms of Environmental Kuznets Curves (EKC). The emission‐augmenting effect of scaling up aggregate economic activity can be counteracted by greener composition of production and consumption, technological progress, and increased demand for environmental quality and policy. To quantify the importance of these central hypotheses, we use a CGE model with endogenous policy for Norway. Our results suggest significant future effects of all these three counteracting mechanisms. For most local and regional pollutants, they may be strong enough to prolong the falling emission trends. However, we cannot rely on reductions in emissions of climate gases and some transport‐related local pollutants. Our results also indicate that pollution leakages abroad are likely to take place. 相似文献
105.
Birger Wernerfelt 《Journal of economic behavior & organization》1985,6(4):381-385
The paper develops the idea that brand loyalty is a rational thing for a consumer to have. The reason is that a consumer's experience with a brand creates user skills which make that brand more useful to the consumer than other brands, even though these, given the same experience, would be equally useful. In a brand switching model this implies that the consumer will switch brands only if there is an adequately large price differential and that the required price differential increases with user skills. The theory is related to standard search theory and it is shown that user skills and search costs have similar effects in the sense that either can support price dispersion in a market. 相似文献
106.
Using the Standardized World Income Inequality Database, we examine if the KOF Index of Globalization and the Economic Freedom Index of the Fraser institute are related to within-country income inequality using panel data covering around 80 countries 1970–2005. Freedom to trade internationally is robustly related to inequality, also when adding several control variables and controlling for potential endogeneity using GMM. Social globalization and deregulation is also linked to inequality. Reforms towards economic freedom seem to increase inequality mainly in rich countries, and social globalization is more important in less developed countries. Monetary reforms, legal reforms and political globalization do not increase inequality. 相似文献
107.
Jonas Nilsson Anna-Carin Nordvall Sofia Isberg 《Journal of Financial Services Marketing》2010,15(1):5-18
Largely fuelled by an increasing social and ethical concern among private investors, socially responsible investment (SRI) has, in many ways, gone from having a marginal role to becoming a ‘mainstream’ financial service in recent years. SRI is an investment process that, in addition to the ‘traditional’ financial objective of investment, also uses social, ethical or environmental (SEE) criteria when making investment decisions. However, despite the growth of the market for SRI profiled mutual funds, very little research has been carried out with the objective of understanding the decision-making process of private SR-investors. In order to address this gap in the literature, this article addresses one stage in the SR-investor decision-making process: consumer pre-purchase information search. Using a sample of 369 SR-investors, the results of the study indicate that SR-investors search more for SEE information, such as the criteria used for exclusion of stocks than for ‘regular’ financial information such as past financial return and level of risk. Moreover, the study also indicates that involvement and perceived knowledge with regard to both financial and SEE issues impact the nature of the information search process of private SR mutual fund investors. 相似文献
108.
Sverker C. Jagers Simon Matti Andreas Nilsson 《International Journal of Sustainable Transportation》2017,11(2):109-119
An increasing body of literature suggests that acceptance of environmental policy instruments tends to change along with increased experience of the same. Among the more popular examples of this is the growing number of congestion pricing initiatives emerging around the world. In several cases, the acceptability of these projects among the public has been relatively low before implementation, but then acceptance has increased as experience of the project has grown. The question is just how, and in particular, why? That is, what is it really that experience does to people's propensity to accept initially quite unpopular measures? In this article, we analyze how the relationship between political trust, policy-specific beliefs (PSBs), and public support for policy tools is moderated or affected by people's personal experiences of those policy tools. On the basis of the experience of previous research, we test the way in which PSBs, institutional trust, and the legitimacy of the political decision-making process affect public attitudes toward a policy tool. In addition—and consistent with other studies—we expect these effects to be significantly reduced post-implementation, as people gain first-hand experience of a policy tool. More specifically, we theorize that the often emphasized process legitimacy is only valid as a factor driving support before implementation, and that the effect of general institutional trust is replaced by the level of trust specific to the implementing institutions after the introduction of the policy tool. We tested these hypotheses using a natural experiment; that is, by studying public attitudes toward the introduction of congestion fees in the Swedish city of Gothenburg both before and after their introduction. By doing so, we were able to comprehensively analyze both the drivers behind public sentiments toward congestion charges and how these mechanisms transform as people are exposed to the costs and benefits of the policy tool in practice. Among other things, we found that with regard to fairness and environmental effectiveness, there is a clear symmetry in our results. The level of acceptance increased most noticeably among those who experienced that the environment was improved by the implemented tax, or that the system turned out to be fairer than expected. However, the opposite is also the case. Thus, among those experiencing that the environment was not improved, or that the system appeared to be less fair than expected, the level of acceptance decreased significantly after implementation. These results may have important policy implications. 相似文献
109.
Pernilla Sundqvist Tor Nilsson 《International Journal of Technology and Design Education》2018,28(1):29-51
In recent years, technology has been emphasized as an important area in early childhood curricula; however, in many countries preschool does not have the tradition of teaching specific subjects, and research shows that many preschool staff members are unsure about what teaching technology should include and how it should be taught. Therefore, with the ambition of outlining recommendations for both preschool practice and the preschool-teacher program, we investigated what elements staff members include in educating preschool children in technology. We investigated the research question What do preschool staff members include as elements of technology education in preschool? through open-ended items on a questionnaire completed by 102 preschool teachers and daycare attendants in Sweden. The answers were analyzed inductively, resulting in a set of seven categories: Artifacts and systems in children’s environments, Create, Problem solving, The concept of technology, Experiments, Techniques/Motor skills, and Natural science. Some key results emerged. First, artifacts have a central place in preschool technology education, and at least three verbs relate to how these artifacts are addressed: use, create, and understand. Second, the content of technology education in government regulatory documents is described to varying extents by the participants, and sometimes not at all. Third, expected elements like play and the important role of the staff are not expressed in the answers. Possible explanations and implications for the results are discussed. 相似文献
110.
The phenomenon of travelling to myth-related places has had a revival in recent decades, warranting an investigation of how such places are perceived by today’s tourists. While established myths and the specific places they are associated with have been extensively researched, there is as yet relatively little research on how tourists appropriate and rework conventional myth-based place meaning and identity. The aim of this article is to contribute to wider debates on place, meaning and identity in tourism studies particularly as regards myth-related tourist destinations. Relying on theories of place and identity, we highlight how mythical places and their identities are appropriated and consumed by and made part of individual tourists’ experiences. Drawing on qualitative interviews with tourists journeying to Finisterre in Spain, this article shows how tourists rework the classical symbolism surrounding mythical places and imbue these with new meanings and identities. Based on Finisterre as a case, our study found out that myth-related places have become tourist-driven attractions: at present it is tourist flows that shape traditional myth destinations. 相似文献