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41.
Jay Ginn 《Journal of Financial Services Marketing》2003,7(4):319-329
Present policy means that a private pension, unless it is substantial, may fail to bring financial gain in retirement due to means testing: the pensions poverty trap. This paper examines women's acquisition of private (occupational and personal) pensions and their risk of facing this trap. Because of the loosening link between marriage and motherhood, previous patterns of pension advantage according to marital status are shifting. The employment and pension impact of motherhood varies with socio-economic status but the pension prospects of the majority of women are poor. It is concluded that women's need for financial advice to avoid the pensions poverty trap is greater than men's. An improved basic pension, indexed to national income, would reduce the risk of mis-selling and restore confidence that saving for a pension is worthwhile. 相似文献
42.
The paper argues that although considerations such as industry consolidation, the role of lending and the effects of technology are still important in shaping the future of investment banking, sustainable competitive advantage necessitates that emphasis is also placed on thought leadership. This entails quite a radical change in terms of the way in which the industry approaches the problem of competition and requires emphasis on value creation for all the constituent parts of the industry: corporations, investors, the banks themselves and research departments. Accordingly, the paper provides a rationale for this change and provides inter alia a range of examples to illustrate how thought leadership could lead to a fundamental change in the future of the investment banking industry. 相似文献
43.
A play-the-winner-type urn design with reduced variability 总被引:1,自引:0,他引:1
Anastasia Ivanova 《Metrika》2003,58(1):1-13
We propose a new adaptive allocation rule, the drop-the-loser, that randomizes subjects in the course of a trial comparing
treatments with dichotomous outcomes. The rule tends to assign more patients to better treatments with the same limiting proportion
as the randomized play-the-winner rule. The new design has significantly less variable allocation proportion than the randomized
play-the-winner rule. Decrease in variability translates into a gain in statistical power. For some values of success probabilities
the drop-the-loser rule has a double advantage over conventional equal allocation in that it has better power and assigns
more subjects to the better treatment.
Acknowledgments. I thank Stephen Durham, the associate editor, and the referees for their helpful suggestions. 相似文献
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49.
Eric F. Parkinson 《International Journal of Technology and Design Education》2004,14(3):219-243
Construction kits have played a significant part in nurturing the growth and development of the minds and manipulation-based
skills of children (and adults) in formal and non-formal education settings. These kits have origins rooted in the representation
of the built world and now have a diversity of form and function, including technical versions with moving parts. This article
examines some of the historically based ideas that lie behind the role that kits may have in terms of physical modelling.
The article traces the transformation of kits from simple bricks and blocks into more complicated pieces for space-filling
and achieving the transfer of forces and motion. This transformation occurred during the Victorian era when the influence
of the ideas of educationalists and, perhaps rather strangely, exponents of early aviation, played major roles in determining
the diversity of forms of construction kit and modelled possibilities that are now to be seen in classrooms and homes. The
article ends with a review of some of the lessons from the past and present that will need to be considered in relation to
concrete modelling in schools for the future.
This revised version was published online in July 2006 with corrections to the Cover Date. 相似文献
50.
We apply Bayesian methods to study a common vector autoregression (VAR)-based approach for decomposing the variance of excess stock returns into components reflecting news about future excess stock returns, future real interest rates, and future dividends. We develop a new prior elicitation strategy, which involves expressing beliefs about the components of the variance decomposition. Previous Bayesian work elicited priors from the difficult-to-interpret parameters of the VAR. With a commonly used data set, we find that the posterior standard deviations for the variance decomposition based on these previously used priors, including “non-informative” limiting cases, are much larger than classical standard errors based on asymptotic approximations. Therefore, the non-informative researcher remains relatively uninformed about the variance decomposition after observing the data. We show the large posterior standard deviations arise because the “non-informative” prior is implicitly very informative in a highly undesirable way. However, reasonably informative priors using our elicitation method allow for much more precise inference about components of the variance decomposition. 相似文献