谈商业银行的金融创新

自从我国加入WTO后,金融业全面对外开放,我国金融业开始面对外资金融机构的激烈金融竞争.商业银行的金融创新能力的强弱直接决定着其是否能够在激烈的市场竞争中立足,我国商业银行必须不断进行金融创新,在竞争中求的生存与发展.     

政府与百姓共有产权住房模式定价机制探析——基于对江苏省淮安市实践的思考

住房问题是当前社会关心的热点问题。本文主要基于对江苏省淮安市共有产权住房模式进行研究。首先,分析了淮安市共有产权住房模式的定价特点,并指出该机制具有一定的可操作性和合理性;其次,探讨了推广共有产权住房定价机制存在的阻碍;最后,提出了建立和完善共有产权住房定价机制的对策建议。     

Social mix policies in Paris: discourses, policies and social effects

Since the 1980s, the issue of social mix has become a public policy category in France. Enshrined in legislation, yet remaining controversial, it represents a major premise on which housing policies have been reconfigured. The concept of social mix is essentially based on who lives where, but it is also evoked in the context of urban renewal schemes for social housing estates, as well as in relation to new-build developments. A study of the bases of social mix policies conducted in Paris since 2001 in the context of the embourgeoisement of the capital shows the fundamental role of social housing stock. The City Council has become involved in policy decisions about both the location and the allocation of social housing. Particular attention has been paid to the middle classes in the name of the principle of ‘balancing the population’. In order to measure the effects of the policy, this article relies on an analysis of two City of Paris schemes that have the stated intent of creating social mix. One of these schemes consists of redeveloping a working-class neighbourhood, Goutte d'Or, while the other involves the new acquisition of social housing in various more affluent neighbourhoods in the capital. This comparative study of the population shows that, whether in a neighbourhood poised for gentrification or in a more affluent neighbourhood, this policy has major effects on forms of local social cohesion, setting in motion individual trajectories and reshaping social and/or ethnic identities.     

Smart rules: six ways to get people to solve problems without you

As the world has become more complex, companies have steadily increased their performance requirements: Now they strive to offer low prices and high quality; to customize products for local markets and standardize them for greater returns; to innovate and be efficient. The typical corporate response to such conflicting goals complicates things further: Firms restructure and try to align their organizations with extra coordinating functions, processes, and incentives. This approach does more harm than good. Managers' time gets sucked up by reports and meetings, leaving little time to work with employees. But there is a better way, says BCG senior partner Yves Morieux: Instead of strangling employees with new rules and procedures, create an environment in which they're compelled to work with one another to develop solutions to complex challenges. Managers can create this environment by applying six "smart rules": (1) improve understanding of what coworkers do and the real constraints they face, (2) determine which people are the firm's natural integrators and strengthen their roles, (3) expand the amount of power available to everyone, (4) increase the need for reciprocity in the system, (5) make employees feel the "shadow of the future," and (6) hold uncooperative people accountable. By tapping employees' ingenuity through the use of smart rules, firms can manage complexity quickly and creatively-and streamline their organizations.     

基于蒙特卡洛模拟的挖掘机铲斗结构优化研究

针对现有铲斗结构优化设计存在的容易陷入局部最优解、优化效率较低等问题,以"在GB9141-88规定的4种工况下铲斗结构最大应力不增加且体积最小"为目标,提出基于蒙特卡洛模拟的挖掘机铲斗结构优化方法,并以某斗容为1m3的挖掘机铲斗结构优化为例,验证了基于蒙特卡洛模拟的挖掘机铲斗结构优化方法的可行性和有效性。