不同地区农村信用社规模与效益关系差异分析

湖南省岳阳、湘西、永州三地的经济发展及农村信用社效益水平存在明显差异,比较三地农村信用社规模与效益的关系,可得出结论：农村信用社等量的资产并不产生等量的效益,信贷资产质量不同产生不同的效益,效益并不受机构收缩的影响,盈利能力的大小主要取决于管理水平的高低,营业网点及存贷款的市场占有率与经营效益并不显著相关。因此,提高农村信用社经营效益的关键在于降低不良贷款率、提高贷款收息率和降低经营成本。     

山西省金矿成矿条件的综合信息统计规律

山西省金矿的成矿地质条件优越。本文运用综合信息的方法，总结了山西省地层、岩浆岩、构造与金矿成矿关系的统计性规律，指示了找矿方向。     

Poland’s Economy Prior to EU Accession

Original Papers

Polands Economy Prior to EU Accession     

企业跨境重组中的反避税对策

本文从企业跨境重组中的避税案例入手,分析了在《中华人民共和国企业所得税法》(以下简称《企业所得税法》)实施的背景下,税收政策法规、征管机制等对企业跨境重组的监管对策,并提出了切合实际的反避税措施。     

美国金融风暴的警示——实现国际收支平衡至关重要

近几年,我国国际收支不平衡的情况日益恶化,国际收支顺差的规模也不断扩大,主要体现在外汇储备的快速增长上;而由于我国的外汇储备投资的资产主要集中在美国国债及其他美元债券上,美国金融危机的爆发使得我国的外汇储备资产价值受到了严峻的挑战,文章指出外汇储备大量投资美元资产不仅使得我们承担了来自美国政府、美元汇率的风险,还使得我们不得不为美国的金融危机买单,而且外需拉动型的经济增长模式也不具有可持续性。因此文章建议从扩大内需、降低贸易顺差、控制外商直接投资、治理热钱流入四个方面,多管齐下切实纠正我国国际收支失衡的现状。     

Exploring advertising as an antecedent to brand experience dimensions: an experimental study

The objective of the study is to investigate the impact of advertising on brand experience dimensions for an existing bank and a financial technology (Fintech) brand. A 2?×?2 between-subject experimental study was conducted that analyzed the antecedents of brand experience dimensions and compared them between an existing bank and a fintech brand. The study confirmed the main effect of advertising on all brand experience dimensions. The brand experience scores for the fintech brand were higher than that of the existing bank brand, and significant differences were observed for sensory, emotional, and behavioral brand experience dimensions. The study confirms the influence of advertising on both existing bank and fimtech brand. While most of the previous studies are based on survey research, the present study provides deep probing using experimental study. It seeks to understand the antecedent to brand experience in the context of an emerging country.     

Managing R&D-marketing integration in the new product development process

Cross-functional coordination and collaboration between R&D and marketing is crucial to the success of the new product development process. By understanding how organizational characteristics influence the quality and quantity of information exchanged during the planning and implementation stages of innovation, managers can take steps to increase the communication within their firm, and thereby increase the probability of new product development success. This examines the effects of several organizational characteristics posited to play an important role in the effective cross-functional information exchange using data collected from 376 U.S. firms. The authors found (1) positive impacts on information exchange are attributed to a formalized system of procedural interaction, the quality of the cross-functional relationship, and a joint-rewards structure; and (2) the quality and quantity of cross-functional information exchanges are influenced negatively by the lack of credibility, and positively by rewards for interaction and a high quality of cross-functional relationship.     

日本企业国际化模式研究

在日本企业实行国际化经营之初及高速发展之时，其资金能力十分有限，如果完全依靠自身力量进行国际化经营几乎不可能。鉴此，日本多数生产企业问相互联合，借助综合商社协调形成巨大的国际化经营力量，通过实践国际文化战略，使其产品逐步占领国际市场。     

Random continued fractions: a Markov chain approach

Summary. By allowing the numbers appearing in a continued fraction to be random, one gets what are called random continued fractions. Under fairly general conditions, including the case when the random variables are i.i.d. non-negative, random continued fractions converge with probability one. A markovian algorithm seems to play a crucial role in studying the distribution of random continued fractions. This Markov Chain on is generated by iteration of random monotone decreasing maps on S and the connection comes from the fact that the distribution of random continued fraction is obtained as an invariant probability of the Markov Chain. Using the splitting condition, it is shown that the distribution of the Markov Chain converges exponentially fast in the Kolmogorov distance to an unique invariant probability , which is shown to be non-atomic, except in the degenerate case. A sufficient condition is given for the invariant probability to have full support S. In some special cases, the invaraint probability is obtained explicitly and this includes one case when the probability turns out to be a singular non-atomic probability with full support S. Extensions of some results to higher dimensions are also discussed.Received: 22 May 2002, Revised: 9 September 2002, Subject Classification Numbers: 60F05, 60J05.Alok Goswami: I would like to thank Rabi Bhattacharya for useful discussions at the time of writing this paper. Thanks are also due to the referee for offering various suggestionsfor improvement over a previous draft of the paper.     

Divestment and Bank Competition

We determine optimal divestment (partial privatization) and entry in banking in the context of a mixed oligopoly. When banks compete in deposits, greater entry is associated with higher divestment. However, social welfare improves with entry only when the private entrants are more efficient than the public bank. Further, when banks compete in interest rates with differentiated products, the public banks behavior resembles that of a price leader and it earns less profit than the private bank, if government holding in the public bank is sufficiently high. Competition becomes excessive in this case, and social welfare maximization requires greater divestment.