内部营销:农业银行基层行不可忽视的一个重要环节

本文通过对农业银行基层行内部营销管理存在的主要问题进行分析 ,指出今后农行实施内部营销管理的途径     

Homeownership Determinants for Chinese Americans: Assimilation, Ethnic Concentration and Nativity

Chinese homeownership rates in the Los Angeles Consolidated Metropolitan Statistical Area adjusted by socioeconomic and housing market characteristics are, on average, 18 percentage points higher than those of native white households. This finding runs contrary to most immigration literature, which suggests that immigrants usually lag behind the host society in measures of economic well-being. This study focuses on two additional factors, which most economic studies of homeownership choice ignore, that may play a role in helping Chinese households achieve high homeownership in ways that other immigrant groups do not. The results of this analysis find that the high homeownership rates cannot be explained by the English skills of households. The cultural influence of homeowning peers may have partially contributed to the higher homeownership of Chinese households. While living in ethnic Chinese communities lowers homeownership rates, in general, it helps improve the likelihood that Chinese immigrants will own a home. Finally, we find that there is great diversity among Chinese subgroups with respect to their likelihood of owning a home, but very little diversity with respect to the education and income level of Chinese households across subgroups.     

降压药用药方案评估伴高血压的慢性肾脏病患者

目的评估伴高血压的慢性肾脏病（CKD）患者应用降血压药的临床治疗方案和血压达标率。方法本研究为回顾性横断面研究。对204例成年慢性肾脏病患者在肾病专科门诊至少随访6个月后,于观察期内以末次就诊时的血压达标率和用药方案与其在首诊时血压控制情况和用药方案加以比较。结果末次就诊时,超过70%的患者使用了血管紧张素转换酶抑制剂（ACEI）或血管紧张素受体Ⅱ受体拮抗剂（ARB）,其次是钙通道阻滞剂（CCB）（51.96%）和利尿药（19.12%）。单药治疗方案中最常用的降血压药是ACEI或ARB,近50%的患者接受2药或3药联合治疗。治疗结果显示,只有31.86%的CKD患者血压达标（〈130/80mmHg）,收缩压（SBP）比舒张压（DBP）更难控制。单药和多药治疗的CKD患者血压达标率分别是39.64%和22.58%,（P〈0.01）,结论大多数的CKD患者血压未达标,所应用降血压药的临床治疗方案基本符合高血压治疗指南。需要继续优化治疗方案,正确联合用药,提高CKD患者的血压控制率。临床药师在协助医师,共同控制CKD患者血压方面将大有可为。     

京杭运河杭州段水环境治理的实践和展望

针对京杭运河杭州段水环境整治尚未得到根本性好转的现状,按杭州市政府提出打造“生态杭州”和“运河申遗”的要求,在三堡船闸输水通道改建工程基础上,分析运河城区段水污染超标的成因,提出了治理意见,要求运用工程、配置、管理等措施和手段,在短期内实现京杭运河杭州段达到Ⅳ-Ⅴ类水的目标。     

制度变迁下的公司治理：模式选择与路径依赖——基于跨国公司在华投资企业的分析

对跨国公司而言,制度变迁包含着两层含义：一是从跨国公司母公司所在国的制度环境到投资子公司所在国的制度环境的变化,这是不同制度环境的自然转换;二是子公司所在国的制度环境的变化,这是同一种制度在若干时间段的变迁。双层制度变迁下的公司治理具有明显不同于单层制度变迁的模式选择和路径依赖。     

Property Investment and Rental Rate under Housing Price Uncertainty: A Real Options Approach

The conventional wisdom that housing prices are the present value of future rents ignores the fact that unlike dividends on stocks, rent is not discretionary. Housing price uncertainty can affect household property investments, which in turn affect rent. By extending the theory of investment under uncertainty, we model the renter's decision to buy a house and the landlord's decision to sell as the exercising of real options of waiting and examine real options effects on rent. Using data from Hong Kong and mainland China, we find a significant effect of housing price on rent and draw important policy implications.     

碱金属对Li2O-ZnO-SiO2系微晶玻璃的结晶行为影响

文章以Li2O-ZnO-SiO2系统为基础玻璃组成,通过DTA、XRD及热膨胀系数等测试手段,分别对添加Na2O或K2O的微晶玻璃的结晶行为和热膨胀变化规律进行了研究探讨.结果表明,成分中碱金属会影响高热膨胀相方石英微晶体的析出.     

Does the presentation reform of R&D expenses in China ease financial constraints in corporate innovation?

Focusing on a sample of 9387 observations in China over the period 2016−2019, this paper empirically examines whether the presentation reform of R&D expenses that is changed from notes to income statements, mitigates corporate financial constraints of Chinese listed companies. Findings offer evidence that the financial constraints of firms decrease after the policy change, which is owing to the alleviation of information asymmetry. Further analysis reveals that the effect of the presentation reform on financial constraints is less prominent among companies that are state-owned, audited by the “Big four” and of higher institutional ownership. Overall, our study provides evidence supporting the influences of the format reform of financial reports and has implications for information users, regulators, and standard setters.     

浅析企业集团财务集中管理

企业集团财务集中化管理模式更有利于公司从宏观上控制、协调,财务管理可以实现规模效益。集中化管理模式对于实现总公司战略目标有着重要意义,特别是对全球性战略目标的大型跨国公司更具有吸引力。     

基于实物期权的房地产最优开发时机

本文主要利用实物期权定价理论,结合房地产实际投资状况,通过处理房地产开发项目的单位价格和单位建设成本之间的相互影响,建立了关于价格与成本之间的房地产最优投资决策时机模型,探讨了房地产开发的最适时机的选择问题。