金融科技与银行信贷配置效率——我国143家商业银行的经验证据全文替换

金融科技催生的新的金融服务模式能否有效提高商业银行信贷配置效率？通过将地区金融科技与商业银行的微观数据进行匹配后,使用2011—2020年我国143家商业银行的非平衡面板数据,考察金融科技对商业银行信贷配置效率的影响及其机制。实证结果表明：金融科技能显著促进商业银行信贷配置效率,使用工具变量、GMM估计及DID缓解内生性后结果依然稳健。异质性分析表明,金融科技对提高商业银行信贷配置效率的作用在规模、上市、股份制银行、城商行、合资银行以及东部、西部和经济发达地区表现更加明显;机制分析表明,金融科技从提高商业银行风险承担能力、降低贷款集中度等方面能促进商业银行信贷配置效率。因此,在我国数字经济快速发展的重要时期,应持续推进金融科技发展,大力实施商业银行数字化转型战略,助力信贷配置优化和更好服务实体经济。     

Local Officials＇ Incentives and China＇s Economic Growth： Tournament Thesis Reexamined and Alternative Explanatory Framework

To explain China's dramatic economic growth, researchers have proposed a “tournament thesis.” According to this thesis, the central government's ability to set growth targets has played a crucial role in growth since political promotion is largely based on local economic growth. We use provincial officials' career mobility data to test this thesis. For both time periods (1979–1995 and 1979–2002), economic performance, measured in annual, average and relative terms, did not affect these officials' career advancement. We then sketch an alternative analytical framework to explain Chinese local officials' strong urge for developmentalism and, finally, draw policy implications from this explanatory framework.     

对会计委派制的探讨

会计工作是经济管理工作的组成部分,在国民经济中发挥着重要的基础性作用。随着社会主义市场经济的发展,对会计工作的要求越来越高。由于与社会主义市场经济相适应的法律体系还不完备,社会监督体系尚不健全,在社会经济生活中出现了一些亟待解决的问题。     

人口出生率、年龄结构与金融发展

基于Basso等人研究的理论模型，并扩展解析了出生率对金融发展的作用机制，同时运用我国31个省（自治区、直辖市）2005—2016年的面板数据，实证研究了人口出生率、年龄结构对金融发展的影响。结果发现：（1）人口出生率、年龄结构对金融发展具有显著的负向作用，这一结论在改变因变量和其他控制变量，增加多种估计方法时仍然成立，符合“老年安全假说”；（2）在我国计划生育政策控制较弱的地区，人口出生率、年龄结构则显著正向影响金融发展，这与该地区人力资本稀缺有关。因此，在推进我国金融改革与发展的过程中，商业银行应转变金融服务方式、增加产品供给和优化网点布局，以满足人口条件变动对金融服务的各类需求。     

国有企业：走在改革大路上

国有企业改革是整个经济体制改革的中心环节。党的十一届三中全会以来，我国经济体制改革的理论与实践在探索中不断前进，国有企业改革随着经济体制转换不断推进。国有企业改革的进程，实际上也是社会主义市场经济体制逐步建立和完善的过程。从改革的历程和发展看，大体分为三个阶段。     

The Selection of Industry Given Preference in Development of Each Province： A Comparative Empirical Study Based on the Power of Industry Competition

As China has joined WTO, the global competitive market is open widely to us and we are confronted with both the opportunity and challenge. The urgent affairs during the project period of the Eleventh Five-year Plan are how to constitute scientific regional expansion program of industry in our country. Based on the theory of industry competition power along with the methods of Factor Analysis and Analytical Hierarchy Process, the paper chooses manufacturing as its subject irivestigated to do a comparative empirical study on the manufacturing development of each province. Then as to the industry that should be given preference in development, the paper selects some provinces having development advantages according to the theory of industrial cluster, which provides a reference to the decision-making of regional industrial expansion program during the period of the Eleventh Five-year Plan.     

从产业融合的角度看物流产业

由于现代信息技术的发展,把很多产业融合在一起,从某个角度看,物流产业是为了达到一体化的发展目标,由运输、仓储、邮政、通信等产业融合而成。文章认为物流产业是一个“大”产业,这有助于从宏观层面上认识物流产业,指导物流产业的发展。     

Analyse 1-800-GOT-JUNK——Low Carbon Recycle Business

People today are too busy. They hardly even have time to keep life clean. But 1-800-GOT-JUNK？ saves time for them. That is why the 1-800-GOT-JUNK？ franchise rose to such popularity. The 1-800-GOT-JUNK franchise is a great business opportunity for those who have skill and experience in cleaning and recycling, as＂leaning homes amounts to a $4 billion per year industry in the US＂. Despite its name, this cleaning business now reaches well beyond junk removal, and 1-800-GOT-JUNK？ has already grown into a true business. Therefore, junk removal become a modem industry.