Regional determinants of life insurance consumption: evidence from selected Asian economies

The life insurance industry in developing Asian economies is under‐developed compared with global standards. The low market penetration is attributed to full or partial government ownership and entry restrictions on foreign insurers. Regulatory changes and adoption of liberal policies have aided the growth of the life insurance industry in the past decade. At the same time, economic and social factors were expected to promote insurance awareness and consumption. In this context, the paper analyses the factors explaining life insurance demand in 12 Asian economies, including economies from the South Asian Association for Regional Cooperation and Association of Southeast Asian Nations regions, as well as China. The results suggest that income, financial depth, inflation, the real interest rate, and the youth dependency ratio are significant determinants of life insurance consumption. Foreign ownership and improved regulations may foster growth. But urbanisation and the literacy rate are among the few determinants found not to have the impact observed in previous studies. The research highlights the limitations of studies using macrodata and contributes to understanding of the growing insurance industry in the region.     

蓄电池制造业的MRP实施关键点分析与研究

目的是探究一种适合蓄电池制造企业运行MRP的方法,并且推广成功的经验。只有把MRP作为反映业务数据及时性和准确性的重要考量标准,才能从根本上做好蓄电池制造业的信息化。其中使用了MRP相关的理论：安全库存、订货点法、产能计算等等。在成功实施了MRP之后,大幅提高了企业的运作能力,降低了成本。这些都说明,使用MRP来协调企业内部供应链,的确能给企业带来很大的效益,并从根本上提高企业的竞争力。     

Correlations in emerging market bonds: The role of local and global factors

This paper empirically assesses co-movements in emerging market bond returns and disentangles the roles of external and domestic factors during episodes of heightened market volatility. The conceptual framework, set in the context of asset allocation, allows us to describe the channels through which shocks originating in a particular emerging or mature market are transmitted across countries and markets. We show that a simple measure of cross-country correlations, when presented together with the more commonly used average correlation coefficient, can be more informative during episodes of heightened market volatility. Data for the period 1997–2008 are analysed for evidence of true contagion and common external shocks.     

Do quality perceptions of health and social services vary for different ethnic groups? An empirical investigation

The United States is now more ethnically diverse than any other time in its history. In 2000, minority ethnic groups comprised 26% of the US population; by 2010, they comprise 35%, and in 2080 they will form the majority of American citizens. And among these ethnic groups, African Americans (12.4%), Hispanics (15.4%) and Asians (4.4%) were the most predominant in 2000. The growth of this segment of the population is not only in terms of numbers but also in terms of economic development. Minority groups are showing marked improvement in income and education levels leading to greater purchasing power. As a result, for‐profit companies are increasingly targeting minority populations with products and promotions specifically designed for specific minority groups. Even non profit organizations such as educational programs, social service and healthcare agencies are striving to design specific services and culturally competent outreach models in order to serve this increasingly diverse marketplace. But despite the strides made by non profit agencies, several studies note the tremendous disparities between the ethnic and racial groups in the seeking and the receipt of health‐care and social services. Additionally, there is limited empirical information about the perceptions of minority consumers. In order to effectively serve minority groups, it is essential to understand their experiences with the non profit service industry and to assess their ongoing concerns. In this study, we focus on two critical components of the non profit world – healthcare and social services. We conducted a survey to compare and contrast the social service and health‐care quality perceptions of three ethnic groups: Caucasians, African‐Americans and Hispanics. Our study, undertaken in collaboration with community health centers, reveals distinct differences in perceptions between the three ethnic groups. Based on our findings, we outline a set of implementable strategies for social service and community health organizations. Copyright © 2010 John Wiley & Sons, Ltd.     

水利工程防渗处理施工技术应用的探析

结合工作经验,对常用的各种防渗处理方式、方法进行总结整理,并结合小型水利水电枢纽工程的现状提出当前适用性较高的防渗方法。     

Undesirable Juvenile Behavior and the Quality of Parental Relationships

We examine how undesirable juvenile behavior is related to the structure and quality of home life. In homes with both own-parents or one parent and another adult partner, we distinguish among unhappy, moderately happy, and very happy relationships for the adults. Single-parents are treated as one category. Living with both own-parents in a very or moderately happy relationship is associated with reduced likelihood of most undesirable behaviors. In most cases, we cannot reject the hypothesis that the probability of juvenile undesirable behavior is the same across own-parents in ah unhappy relationship, a very or moderately happy parent and stepparent, and a single-parent.     

试论法治视野下的学生管理

分析了学校与学生之间存在的多重的法律关系,论述了在学校管理中学校、学生所处的法律地位及享有的权利、承担的义务,指出,民主与科学是学校教育不懈追求和奋斗的目标,但是更须明白科学和民主也是一个过程,在管理学生过程中体现社会主义的法治精神,也是学校对学生进行科学与民主教育一个重要的方式。     

留住核心人才

核心人才是指有着较强的专业技术或技能、丰富的从业经验及杰出的经营管理才能,对企业的生产经营起关键作用的人才。核心人才是企业的精英和骨干,一旦离开,在短时间内很难找到合适的人来取代,同时核心人才的离开也往往伴随着企业核心技术的流失。据美国一项研究,一个人离职可能会使公司损失5万～10万美元。有关调查资料也显示:人才流失以后的置换成本相当高,替换雇员的成本可以高达辞职者工资的150%。因此,企业与其挖空心思招聘人才,不如想办法留住现有人才。一、树立21世纪的科学人才观1.树立“以人为本”的观念。我们知道,在市场上竞争的…     

对传统财政支出原则的辨证认识

传统的财政支出原则带有明显的计划体制的烙印,但是作为财政支出原则,它毕竟反映了财政支出实践活动所必须遵循的共同规律的要求.在公共财政模式下,传统的财政支出原则以新的实现形式仍然可以对财政支出分配发挥指导作用.