面对新生代客户 银行如何成功实施转型

在今天这样一个“唯一不变的只有变化”的时代，国内外银行业不仅要面对国际经济大环境的巨变，更要适时筹措应对新生代客户的崛起。在国外，这一类型的客户被称之为Generation NOW一代（NOW一代）。在中国，他们被叫做“80后”。现在，人们对80后消费者的特点研究非常关注，这群人的独特性也引起了银行的关注。面对变化，银行业必须主动转型，才能跟上时代的发展。     

How normal is normality in consumption?

It is shown by robust example that if a household's financial budget and its Gossenian time budget are binding in equilibrium then at least one commodity must be inferior in the household's consumption.     

DUMMY VARIABLES: AN APPLICATION IN CATTLE PRICE ANALYSIS

Price variation demands the attention of most Alberta cattle producers and marketing agents. This study sought to identify and measure the effects of certain pertinent variables in the marketing system. Cattle prices on different markets–terminals and auctions–were compared. Comparisons in pricing among three different areas–namely, the Grande Prairie region, Central Alberta, and Southern Alberta–were also drawn. Among the variables hypothesized affecting cattle prices, class, grade, and weight were most important for both feeder and slaughter cattle. Low prices were associated with the presence of horns and also with a “full” condition. Producers, therefore, stand to gain by paying attention to “fill,” dehorning, and castration of male calves. An official grading system for feeder cattle should be instituted, and the optimum weights at which to sell feeder and slaughter cattle should be ascertained. La variation des prix est une préoccupation importante pour tous ceux qui sont concernés par la raise en marché du boeuf, qu'il s'agisse des éleveurs, ou des agences de raise en marché. Cette étude vise à identifier certains facteurs, et à en mesurer ?influence sur la mise en marché. On a compareé les prix du bétail dans les grands pares publics et dans les encans locaux. Pour fins de comparaison, une liste de prix a été dressée pour les trois régions suivantes: Grande Prairie, le centre ainsi que le sud de ?Alberta. Parmi les facteurs affectant le prix du bétail, on remarque que la classe, la catégoire et le poids, sont ceux qui influencent le plus le prix des bovins. ?étude a démontré que généralement les prix sont plus éléves pour les animaui sans comes et à jeun au moment de la vente. Les élevéurs auraient done avantage à?mineur la nourriture avant la vente. Il serait preferable aussi ?enlever les comes et le castrer les veaux males. On devrait aussi instituter un systéme officiel de classification des bovins ?engraissement, qui serait utile pour déterminer les poids optima de vente des bovins ?engraissement et du bétail destiné aux abattoirs.     

Indigenous sport and heritage: Cherbourg's Ration Shed Museum

So much has been lost about the culture of Australia's Indigenous people. Their languages, traditions and heritage were dissipated under the process of white colonization from 1788. This paper investigates the actions of the people from Cherbourg, an Aboriginal settlement in southeast Queensland, Australia, to reclaim their culture, identity and heritage. The focus is specifically on the Ration Shed Museum (RSM), which officially opened in Cherbourg in 2004. The RSM is a particular type of Indigenous museum, a community museum, in which those who curate the museum are simultaneously its subjects. Through a combination of ideas drawn from new museology, critical heritage and cultural geography, the relationships between the three buildings of the museum – the Ration Shed, the Superintendent's Office and the Boys’ Dormitory – and the displays of sport are examined via the voices of Cherbourg people. The buildings evoke stories of surveillance, discipline, punishment and control and, in many ways, sport mirrors these features of life at Cherbourg. Importantly, however, sport functioned in a parallel capacity by creating identity: sporting achievements were symbols of pride, resilience and hope for Indigenous people.     

The Sonnenschein–Debreu–Mantel Proposition and the Theory of International Trade

Much of the comparative statics of trade theory rests on the unrealistic assumption that in each trading country all households are alike or behave collectively as though they are alike. In the present paper the authors show that two well–known comparative statical propositions are highly sensitive to the relaxation of the assumption, and suggest that many other results are equally fragile.