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Leland B. Yeager 《The Review of Austrian Economics》1994,7(2):93-109
The author thanks Roger Koppl and Roger Garrison for helpful discussions. 相似文献
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Are markets like language? 总被引:1,自引:0,他引:1
Leland B. Yeager 《Quarterly Journal of Austrian Economics》1998,1(3):15-27
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Scott M. Smith Ph.D. Leland L. Beik Ph.D. 《Journal of the Academy of Marketing Science》1982,10(3):208-216
An analysis to define or segment contributor markets is fundamental to fund raising for charities and other nonprofit organizations.
By using the concept on market segmentation, such organizations can aim their efforts toward those target segments most favorable
to the particular philanthropy. The article shows how segmentation procedures, well tested in the field of marketing, can
be applied by all types of fund-raising organizations. The procedures are particularly effective if based on marketing research.
The article concludes by suggesting how tactical use of the marketing mix can be combined in a fund-raising strategy. 相似文献
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Since the early 1990s, commercial banks have turned to Federal Home Loan Bank (FHLBank) advances to plug the gap between loan and deposit growth. Is this trend worrisome? On the one hand, advances implicitly encourage risk by insulating borrowers from market discipline. On the other, advances give borrowers greater flexibility to managing interest rate and liquidity risk. And access to FHLBank funding encourages members to reshape their balance sheets in ways that could lower credit risk. Using quarterly financial and supervisory data for banks from 1992 to 2005, we assess the effect of FHLBank membership and advances on risk. The evidence suggests liquidity and leverage risks rose modestly, but interest-rate risk declined somewhat. Credit risk and overall failure risk were largely unaffected. Although the evidence suggest FHLBank membership and advances have had, at best, only a modest impact on bank risk, we caution that our sample period constitutes one observation and that moral hazard could be pronounced if leverage ratios revert to historical norms. 相似文献