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以不良贷款率作为衡量商业银行信用风险的主要指标,借鉴国内外的研究经验,采用LOGIT方法论构建我国宏观经济因素对银行信用风险影响的压力测试模型,并通过假设情景法进行宏观压力测试,定量评估了宏观经济变化对商业银行信用风险的冲击。研究表明,压力测试可以为我国商业银行信用风险管理提供有益的参考。 相似文献
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高校教师作为高校最重要的人力资源,是提高教学质量、培养高素质人才的重要保证。由于经济社会发展等多方面的因素,教师聘用制度政策的改革,以及人们思想观念变化的影响,高校教师的流动已经成为不可避免的趋势。然而由于高校教师的流动,特别是高校教师无序流动现象的产生,严重影响到高校师资队伍的稳定及高校的可持续发展。文章以高校教师的流动为切入点,对高校教师流动的特点和原因以及现阶段存在的问题进行分析,从高校人力资源管理的角度,提出解决高校教师流动中存在问题的对策。 相似文献
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张翔 《贵州商业高等专科学校学报》2013,(3):76-78
《计算机组装与维护》是目前高职院校计算机专业普遍开设的一门专业技能课程,是计算机应用专业人才培养方案中的一门重点课程,而课程建设是提高教研室的教学水平和质量的一个重要标志。通过《计算机组装与维护》精品课程建设,从教学内容、项目化实践、教材建设、师资培养、组建学生团队及考评方式等方面进行改革与尝试,以期取得更大的发展。 相似文献
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法治环境、城市化对生产性服务业发展的影响——基于省级面板数据的经验研究 总被引:1,自引:0,他引:1
加快发展生产性服务业是中国经济增长方式转变和产业结构优化调整的题中之义。本文利用省级面板数据检验了城市化进程和法治环境对生产性服务业发展的作用,计量回归结果显示:城市化进程对生产性服务业的发展具有显著的促进作用,并且通过了稳健性检验,但法治环境的作用不够显著;出口贸易和FDI抑制了生产性服务业发展。最后,文章根据计量检验结果解释了相应的政策。 相似文献
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Kristina Chen Alan Krasner Nanxin Li Cheryl Q Xiang Todor Totev Jipan Xie 《Journal of medical economics》2013,16(11):1141-1152
AbstractAims: To assess the real-world clinical burden and healthcare resource utilization (HRU) among patients with chronic hypoparathyroidism, overall and by adequately controlled (AC) vs not adequately controlled (NAC) disease, informed by guideline-recommended clinical management targets, including biochemistry and symptoms.Materials and methods: In this retrospective online chart review, endocrinologists in the US, Canada, the UK, France, Germany, Italy, and Spain were randomly selected to review the medical charts of adult patients with chronic hypoparathyroidism receiving calcium and activated vitamin D. Patients’ demographics, disease characteristics, symptoms, comorbidities, and hypoparathyroidism-related HRU during the 1 year before the review date were assessed. Clinical burden and HRU were compared between patients with NAC and AC hypoparathyroidism.Results: Of 614 patients with hypoparathyroidism (AC, N?=?442; NAC, N?=?172), the mean age was 43.6?years, and the majority were female (61.6%), Caucasian (78.8%), and had post-surgical hypoparathyroidism (74.4%). Mean duration of hypoparathyroidism was 46.0?months. Hypoparathyroidism-related symptoms and comorbidities were reported in 59.4% and 46.7% of patients, respectively; 90.7% of patients had ≥1 hypoparathyroidism-related HRU event. More patients with NAC (57.6%) vs AC (42.5%) hypoparathyroidism experienced ≥1 comorbidity including calcium/phosphate imbalances, and brain, cardiovascular, metabolic, and renal disorders (all p?<?0.01). More patients with NAC vs AC hypoparathyroidism incurred ≥1 hypoparathyroidism-related hospitalization (27.9% vs 16.3%) and emergency room visits (47.7% vs 38.5%), and patients with NAC vs AC hypoparathyroidism had a higher number of outpatient visits (3.6 vs 2.6; all p?<?0.05), in the 1-year observation period.Limitations and conclusions: Limitations of this online chart review include possible under-estimation of disease burden, limited sample size, and the inability to rule out selection bias. Findings indicate that patients with chronic hypoparathyroidism experience substantial symptomatic and comorbid burdens resulting in frequent HRU, suggesting an unmet need, particularly in NAC disease. 相似文献
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改革开放30年,人口结构的转变为中国经济增长做出了重要贡献。而随着人口结构的深刻变化,人口红利是否正在消失和刘易斯转折点是否已经到来,近来备受瞩目。"未富先老"是人口结构快速转变与经济增长之间的突出矛盾。通过最新文献回顾发现,深入研究限制人口红利的制度和结构性因素显得更为重要,而刘易斯模型的适用性、中国经济社会现实的复杂性以及数据缺乏,是造成刘易斯转折点判断分歧的主要原因。因此,未来研究综合考虑这些因素,才能有助于作出科学判断。 相似文献
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Given the continuing uncertainty about whether family firms enjoy lower agency costs, this article hypothesizes that a combination of the effects of family ownership, altruism and self-control is instead at play. To begin with, family ownership can indeed reduce agency costs through better aligning the interests of owners and managers. This is a ‘determining’ effect in that it independently mitigates one source of agency problems. However, altruism combined with self-control problems arising from the highly concentrated ownership often found in family firms can also increase agency costs. This is an ‘embedding’ effect as it is rooted in the personal relationships within the family firm. Using the Business Longitudinal Database compiled by the Australian Bureau of Statistics on small- and medium-sized enterprises (SMEs), we find that for larger SMEs (those with 20–200 employees), the gains in lower agency costs arising from family ownership are almost completely offset by the losses from altruism and the lack of self-control. 相似文献