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As a result of a request from the Royal Commission on the NHS, the Welsh Consumer Council carried out a sample survey of two groups of people: parents of children under 10 and the elderly (aged 60 or over). The purpose of the study was to find out how accessible GPs, chemists, dentists, opticians and chiropodists were, and the two sampled groups were thought to consist of those likely to make the heaviest demands on these services. A higher proportion of the parents, compared with the elderly, experienced difficulties in getting to see the GP and obtaining treatment. The attitude and manner of doctors, the rushed nature of consultations, long waits for appointments and the response to requests for home visits were all criticized, albeit by a minority. Nearly half the parents asked the chemist for advice about minor ailments. Concerning dental and ophthalmic treatment, the main problem was cost. Some elderly people had long and painful waits between chiropody appointments and the chiropody service appears to be understaffed. 相似文献
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PHILIP R. PERRY 《The Journal of Finance》1982,37(3):857-870
Using a test statistic which specifically allows for parameter shifts over time, we investigate the time-variance relationship of security returns. The null hypothesis of stationary and independent increments is rejected, and the existence of a complex short-term reversal phenomenon is reported. 相似文献
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This paper decomposes the cash component of earnings and analyzes persistence characteristics and pricing implications of various subcomponents, with particular attention to changes in cash. Changes in underlying fundamentals might dictate changes in cash to new optimal levels. Alternatively, suboptimal changes in cash might result from agency costs allowing managers’ actions to diverge from the best interests of shareholders. We predict and find that both suboptimal increases and decreases in cash bode poorly for future earnings. In fact, we find that suboptimal increases (decreases) in cash have less (greater) persistence than any of the earnings components we study, including accruals and net distributions to both shareholders and debt holders. Market efficiency tests indicate that the market severely punishes firms with suboptimal decreases in cash, but we find no evidence to support the hubris hypothesis that the market overreacts to the earnings implications of unwarranted increases in cash. 相似文献
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Signatories to the American College and University Presidents' Climate Commitment (ACUPCC) pledge to pursue a path toward carbon neutrality through the choice of a set of Tangible Actions (TAs). The actions can be chosen either because they will lead to reductions or because they are the easiest to achieve. By exploiting the variation in the TAs chosen by colleges, we find evidence for both of these motivations. We find evidence that schools focusing their efforts on improving energy efficiency have achieved swift reductions. Conversely, schools pledging to use green power are generally already utilizing it and therefore do not achieve additional reductions. We conclude with suggestions for improvement in the ACUPCC reporting system that would improve potential for analysis. (JEL Q01, Q40, Q56) 相似文献
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MANTHOS D. DELIS PHILIP MOLYNEUX FOTIOS PASIOURAS 《Journal of Money, Credit and Banking》2011,43(4):735-764
This paper examines the relationship between the regulatory and supervision framework, and the productivity of banks in 22 countries over the period 1999–2009. We follow a semiparametric two‐step approach that combines Malmquist index estimates with bootstrap regressions. The results indicate that regulations and incentives that promote private monitoring (PMON) have a positive impact on productivity. Restrictions on banks’ activities relating to their involvement in securities, insurance, real estate, and ownership of nonfinancial firms also have a positive impact. Regulations relating to the first and second pillars of Basel II, namely, capital requirements (CAPR) and official supervisory power (SPR) do not have, in general, a statistically significant impact on productivity over the study period although they appear to gain in importance following the onset of the financial crisis in 2007. The latter finding indicates that stringent capital and supervisory standards have positive productivity effects when financial pressures peak. Our results are robust when controlling for various country‐specific features and alternative estimation approaches. 相似文献