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In recent years there has been interest in the impact of the form of ownership on the behavior of financial institutions. In the 1980’s, there was a substantial movement away from mutual ownership to stock ownership in the thrift industry. The effect of this conversion process on risk taking and efficiency has been a matter of concern. The purpose of this paper is to examine the experience of savings banks in Massachusetts. A panel of 115 savings banks is analyzed for the years 1985 through 1993, a period that includes both rapid growth and a subsequent severe cyclical decline in property values. The credit quality of loan portfolios is related to the size of the portfolio, the structure of the portfolio, and the ownership status of the bank. Several models are estimated. In all cases, it was found that the cyclical decline in property values resulted in a decline in the credit quality of loan portfolios with a substantially greater impact on those savings banks that converted from mutual to stock status. 相似文献
65.
Murphy J 《Nursing economic$》2010,28(6):405-408
The fundamental value of information technology in clinical settings is no longer in question, as clinicians enter and retrieve information in order to deliver care and the benefit of ubiquitous availability to clinical data using computers cannot be overplayed. The question now is how to increase adoption, improve productivity, and support transformational changes in health care delivery. It is important to get the interplay between people, process, and technology right for successful implementations which support care transformation. We must lead projects with the clinical practice changes being enabled by the technology, and then ensure the technology supports the practice change. Nurse leaders must consider letting the quality improvement process drive and define when and how technology is used, running our projects as practice changes and not IT implementations, with nursing sponsors owning the projects and leading the charge. 相似文献
66.
A hard slog, not a leap frog: Globalization and sustainability transitions in developing Asia 总被引:1,自引:0,他引:1
Michael Rock Author Vitae James T. Murphy Author Vitae Author Vitae Paul van Seters Author Vitae Author Vitae 《Technological Forecasting and Social Change》2009,76(2):241-254
How does globalization influence transitions toward more sustainable socio-technical regimes in the developing world? This paper argues that transformations of regimes, the networks and institutions governing technological and environmental practices in an industry, can be positively influenced by globalization but it depends on how global forces interact with local socio-political landscapes—the political-economic institutions, values, and regulations broadly guiding an economy and its relationship to the environment. We evaluate these relationships through a comparison of two kinds of socio-political landscapes—the neo-liberal export-led development model commonly found in the developing world and the uniquely Asian capitalist developmental state. We first show how the neo-liberal model overemphasizes the power of market forces to facilitate upgrading and more sustainable industrialization. We then argue that capitalist developmental states in East and Southeast Asia have been better able to harness global economic forces for technological and sustainability transitions through an openness to trade and investment and effective public-private institutions able to link cleaner technologies and environmental standards to production activities in firms. We buttress this argument with firm-level evidence showing the evolution of socio-technical regimes in two industries—cement and electronics. The case studies demonstrate how interactions with OECD firms can contribute to environmental technique effects provided the socio-political landscape is amenable to changes in an industry's regime. Ultimately, we find the process of transition to be complex and contingent; a hard slog not a leap frog toward a potentially more sustainable future. We close by considering the limitations on the capitalist developmental state model and with comments about what else needs to be learned about globalization's role in sustainability transitions. 相似文献
67.
Kevin J. Murphy 《Journal of Economics and Finance》2006,30(2):198-204
Standard treatment of payroll tax incidence suggests that labor, both because of inelastic supply and because workers value
the benefit financed by the tax, bears most of the tax. This note considers the special case of the U.S. unemployment insurance
tax, which is a payroll tax that varies by jurisdiction (states). The model set forth in this paper allows for differing degrees
of both labor mobility and substitutability between types of labor and capital. Contrary to the standard treatment, this paper
predicts that some types of labor will avoid this particular type of payroll tax completely.
I thank Daniel Hamermesh and seminar participants at the Upjohn Institute for Employment Research and at Oakland University
for helpful comments on an earlier draft. I also gratefully acknowledge sabbatical support provided by Oakland University
during the initial conceptualization of the ideas presented in this paper. 相似文献
68.
A bstract . Walter Block's amusing and popular Defending the Undefendable offers an intentionally shocking collection of short chapters, each praising a different "rogue" of modern society—including the pimp, slumlord, and corrupt cop—from a libertarian viewpoint. However, Block's defense of the "heroic" counterfeiter is based on faulty economic analysis and is hence completely unwarranted. 相似文献
69.
This article applies previously estimated effects of immigration on housing values to urban counties in the United States. Our findings here also help estimate how much of the increase in the net capital share of income since 1970 as observed by Piketty ( 2014 ) is caused by immigration. We find that in most urban counties in the United States, increased levels of immigration have had a modest but non‐negligible effect on the level of real estate prices and, per Rognlie ( 2015 ), likely capital share. These estimates provide hard numbers for the public debate over immigration policy in the United States, with implications elsewhere as well. 相似文献
70.
Caroline Murphy Thomas Turner Michelle O'Sullivan Juliet MacMahon Jonathan Lavelle Lorraine Ryan Patrick Gunnigle Mike O'Brien 《Industrial Relations Journal》2019,50(5-6):468-485
This paper examines the strategies adopted by Irish unions in responding to zero hours work in four sectors. It concludes that rather than adopting either a passive or a uniform approach, unions have pragmatically varied their strategies to curtail zero‐hours work through actively combining both bargaining and regulatory approaches. 相似文献