Attitudinal Asymmetries and the Lender-Borrower Relationship: Survey Results on Farm Lending in Shandong,China

This paper addresses the problem of social interactions and the lender-borrower relationship by measuring the disconnect between borrowers and lenders across a wide range of lending-related attributes. The degree by which lenders and borrowers connect disconnect depends on whether lenders’ and borrowers’ perceptions across these attributes are symmetric or asymmetric. We compare field survey results from 120 loan officers at Rural Credit Cooperatives (RCCs) in China’s coastal Shandong province, and pair them with an existing survey on identical questions to 394 farm households in the same region. Pairing lenders’ perception towards borrowers regarding RCC microcredit lending mechanism, against borrowers’ perception towards lenders and how themselves were perceived by lenders in the same regards, we observe on many dimensions a disconnect between them in the context of lenders’ “care” towards borrowers, loan rejection, memberships of RCC and group guarantee, lending concerns, cost of borrowing, reasons for default, credit rationing, and lending preferences. This research provides financial institutions with outreach mechanisms to borrowers, while also training lenders to borrowers’ sensitivities.     

浅析中国企业实施ERP的缺陷及对策

ERP作为一种先进的管理方法和管理手段能够帮助企业迅速提高核心竞争力,近年来我国企业越来越多开始实施ERP系统,然而ERP在我国的实施效果并不理想。在此背景下,分析我国企业在实施ERP系统的过程中存在的问题,并提出了切实可行的解决方案,为我国企业成功实施ERP,提高企业核心竞争能力提供有益的帮助。     

辽宁地区电机无功补偿节能技术应用

为更好地提高企业用电运行的工作效率,通过安装新型低压无功补偿控制器,可有效解决粮库集中及分组补偿风机等设备使用寿命短、补偿精度低等短板.试验结果表明：使用该节电器风机的综合节电率可提高15％,电机功率因数大幅提高,基本实现准量补偿,企业用电效率大幅提升.     

Profitability, Ownership Structure and Technical Efficiency of Enterprises in the People's Republic of China: A Case of Manufacturing Industries in Shanghai

This paper studies the relationship between accounting profits and technical efficiency of manufacturing enterprises in Shanghai during the period 1989–1992 and examines which factors affect the profitability of manufacturing enterprises. We first estimate the average technical efficiency of four major manufacturing industries in Shanghai. Then, we test for the presence of ownership effects of technical efficiency on profits of those enterprises in these four industries.     

Economic Development and the State: Lessons from Singapore

Analysis and case studies have indicated that intervention by the Singapore government in fostering economic development has not always been successful. In particular, past intervention in the labour market like the high wage policy of the early 3980s has proved to be an unmitigated disaster. However, interventions that lead to the direct creation of national competitive advantage, like the information-telecommunications infrastructure, R & D subsidy and manpower development, have proved t o be more successful. A strong, non-corrupt and market-oriented public sector appears to be crucial t o ensure that interventions are market facilitating, correcting and enhancing rather than distorting.     

关于地方高等院校教材建设的几点思考

地方高等院校大多属于非重点院校，总体上教材建设水平较低，急需加强和提高，加强地方院校教材建设工作、提高教材建设水平。要科学定位，落实政策，重视教材研究，开展校际合作，增加投入。     

现代企业领导者领导风险及其防范探究

全球化、信息化、知识化、网络化、虚拟化等新的领导环境在给企业领导者防范、监督和化解领导风险提供良好条件的同时,也孕育着更大的领导风险.这就要求领导者进一步转变传统领导观念,充分利用现代领导和管理科学来塑造自己的领导理念和领导方式,进而指导其领导实践活动.     

北京老字号品牌消费心理与消费行为研究

面对经济的快速发展,曾经在中华大地上风光无限的一些＂中华老字号＂品牌逐步走向衰弱。老字号品牌日渐式微究竟是出自内因还是出自外因呢？本项目组为了了解老字号品牌的生存现状,替老字号把脉并探寻重振之路,以老字号集中度较高的北京＂中华老字号＂作为研究对象,针对消费者进行了问卷调查。从认知、消费、偏好、品牌传播等方面出发,试图发掘出针对新时代消费者的老字号品牌重振方略。     

小城镇发展的体制和政策建议

党的十五届三中全会指出:“发展小城镇是带动农村经济和社会发展的大战略”。刚刚结束的中央经济工作会议特别强调把发展小城镇作为经济结构调整的重要环节来抓。在21世纪新的历史发展时期,重新认识小城镇在我国经济和社会发展中的地位和作用,认真解决传统体制对小城镇发展的制约,通过制度创新和政策调整加速推进小城镇建设,对于促进经济结构调整、加快农村现代化进程具有重要的现实意义。     

对事业单位会计核算制度改革的几点认识

本文就事业会计改革，谈几点认识：第一，事业财务改革具有客观性和必然性；第二，对事业会计改革主要内容的理解和体会，面对这场预算会计改革，对事业单位会计人员和财会机构将是一场挑战。