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11.
This paper examines the disclosures made on English credit unions’ websites. Credit unions without a website are presumed to be small. Community credit unions with websites tend to offer basic services with a limited range of products that may appeal to poorer members of society. Occupational credit unions appear more likely to have a greater range of products. 相似文献
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Phelim Boyle Shui Feng David Melkuev Shuai Yang Johnew Zhang 《North American actuarial journal : NAAJ》2018,22(2):223-251
Insurance companies and pension plans typically hold well-diversified equity portfolios. These institutions are also often restricted from taking short positions. The diversification requirement operates on the portfolio level, while the short sale constraint is at the individual security level. We examine an investment strategy that exposes a tension between these two requirements. This strategy uses the first principal component to construct the portfolio and by design meets the first requirement. Empirical portfolios based on the first principal component do an excellent job of capturing market exposure and minimizing diversifiable risk. However, in practice such portfolios sometimes contain a few short positions. So this strategy does not always meet the second requirement. We examine which features of stock returns give rise to short positions when a portfolio is based on the first principal component, and we are able to identify the characteristics of the stocks that are responsible for the short positions. These stocks tend to have negative correlations with the majority of other stocks. In contrast such stocks would typically be held long in a Markowitz portfolio. We discuss and explain this puzzle. 相似文献
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This article develops a dynamic model to investigate renewable resource markets under different property rights. We find that different property rights regimes in renewable resource markets yield very different equilibria. Under private property rights, the valve point increases with the natural growth rate, productivity, number of firms, and marginal costs. Under common property rights, “the tragedy of the commons” inescapably occurs. This study suggests how to avoid ecological disaster by implementing a set of public policies. 相似文献
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We investigate whether tax avoidance substitutes for external financing. We exploit interstate banking deregulation as a quasi-external shock to examine whether... 相似文献
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Ros McLellan Bill Nicholl 《International Journal of Technology and Design Education》2011,21(1):71-92
Creativity is acknowledged to be important for economic growth and as an everyday life-skill, however several influential
reports have suggested that education could do more to harness creative talent. Creative cognition literature suggests the
lack of creativity is at least partly the result of ‘fixation’ (difficulty in generating novel ideas due to imagination being
‘structured’ by existing knowledge). This paper focuses on the secondary (students aged 11–16 years) design and technology
(D&T) context in the UK. Here we examine whether teacher practice can contribute to fixation by focusing on one specific facet
of teacher practice in D&T; the use of product analysis to inform the generation of creative design ideas. Data is drawn from
the preliminary phase of a research and intervention project from interviews with D&T teachers (N = 14), students (N = 126) and lesson observations (N = 10) and an analysis of documents and student work. Product analysis is widely used at different points in design projects
but, as is shown, in all cases current practice can lead to fixation, as thinking is constrained down specific paths and tasks
are at best at procedural rather than comprehension level. The implications of these findings and tentative ways forward for
practitioners are discussed. 相似文献
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Answering the call for alternative approaches to researching project management, we explore the evaluation of project success from a subjectivist perspective. An in‐depth, longitudinal case study of information systems development in a large manufacturing company was used to investigate how various project stakeholders subjectively perceived the project outcome and what evaluation criteria they drew on in doing so. A conceptual framework is developed for understanding and analyzing evaluations of project success, both formal and informal. The framework highlights how different stakeholder perspectives influence the perceived outcome(s) of a project, and how project evaluations may differ between stakeholders and across time. 相似文献
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