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Quality & Quantity - Spatial ability contributes to performance in science, technology, engineering and mathematics (STEM). Spatial skills and creativity are required for engineering studies.... 相似文献
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Fair Valuation of a Guaranteed Life Insurance Participating Contract Embedding a Surrender Option 总被引:3,自引:0,他引:3
Anna Rita Bacinello 《The Journal of risk and insurance》2003,70(3):461-487
In this article we deal with the problem of pricing a guaranteed life insurance participating policy, sold in the Italian market, which embeds a surrender option. This feature is an American‐style put option that enables the policyholder to sell back the contract to the insurer at the cash surrender value. Employing a recursive binomial formula patterned after the Cox, Ross, and Rubinstein (1979) discrete option pricing model we compute, first of all, the total price of the contract, which also includes a compensation for the participation feature (“participation option,” henceforth). Then this price is split into the value of three components: the basic contract, the participation option, and the surrender option. The numerical implementation of the model allows us to catch some comparative statics properties and to tackle the problem of suitably fixing the contractual parameters in order to obtain the premium computed by insurance companies according to standard actuarial practice. 相似文献
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If company leaders were granted a single wish, it would surely be for a reliable way to create new growth businesses. Business practitioners'overwhelming interest in this subject prompted the authors to conduct a three-year study of organizational growth--specifically, to find out which growth strategies were most successful. They discovered, somewhat to their surprise, that even companies in mature industries found rich new sources of growth when they reconfigured their unit of business (what they bill customers for) or their key metrics (how they measure success). In this article, the authors outline these and other moves companies can make to redefine their profit drivers and realize low-risk growth. They offer plenty of real-world examples. For instance: CHANGING YOUR UNIT OF BUSINESS: Once a conventional printing house, Madden Communications not only prints promotional materials for customers but also manages the distribution and installation of those materials on-site. Its revenues grew from dollars 1o million in 1990 to dollars 133 million in 2004, in an industry that many had come to regard as hopelessly mature. IMPROVING YOUR KEY METRICS-PARTICULARLY PRODUCTIVITY: Lamons Gasket, with dollars 80 million in revenues, built a Web site that radically improved its customers' ability to find, order, and pay for goods. The firm's market share rose along with its customer retention rate. The authors also suggest ways to identify your unit of business and associated key metrics and recognize the obstacles to changing them; review the key customer segments you serve; assess the need for new capabilities and the potential for internal resistance to change; and communicate to internal and external constituencies the changes you wish to make in your unit of business or key metrics. 相似文献
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This paper empirically explores the incidence of labor inspections across registered firms in 72 developing countries. Results show that larger firms are more likely to be inspected than smaller firms. Interestingly, inspections are less likely to occur among firms with a larger share of low‐skilled workers, and that operate in industries with more tax evasion. We explore the heterogeneity of these findings across income and geographic groups, and conclude by briefly discussing the consistency of the stylized facts with competing theories of inspection agencies’ behavior. 相似文献
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Rita Martenson 《国际广告杂志》2013,32(1):37-46
While many researchers, as well as practitioners, have discussed the validity of marketing standardization, few seem to bother about standardized international advertising statistics. It is quite common to see comparisons between countries based on data which are hardly comparable. This paper highlights some of the differences in international statistics, explains some reasons for such differences and proposes a new system for international advertising statistics. 相似文献
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Patrick D. Thelen Katy L. Robinson Cen April Yue Rita Linjuan Men 《Journal of Promotion Management》2021,27(1):27-49
AbstractThis study examined how the 117 Twitter profiles maintained by U.S. headquartered agencies appearing in the 2017 Global Top 250 PR Agencies list from the Holmes Report are using this platform to communicate with their publics. Guided by the dialogic communication theory, a content analysis of 1,120 tweets (from the 112 agencies identified as having public active accounts) published between January and October 2017 were analyzed to better understand the content strategies implemented by these agencies as well as the relationship between levels of public engagement and the implementation of dialogic principles. Additionally, this study placed a special emphasis on thought leadership and the means being employed by agencies to introduce and promote their ideas. The study’s results suggest that while media vividness increases the public’s levels of engagement, interactivity has an inverse effect. At the same time, the findings indicate that agencies are not fully employing the dialogic capacity of Twitter. From a strategic point of view, this study provides significant implications for social media communication practices by public relations agencies. 相似文献