邮政金融客户流失因素探讨

当前邮政金融业务市场竞争激烈,客户流失情况不容忽视,文章从业务发展费用、客户排队、服务态度、业务品种、科技投入等方面分析了客户流失的原因,探讨了避免客户流失的解决办法。     

邮政储蓄银行切入快速消费品市场的时机探讨

文章阐述了邮政储蓄银行应抓住快速消费品市场的发展机遇,分析了邮政储蓄银行切入快速消费品市场的机会性、现实性、紧迫性和可行性,阐述了邮政储蓄银行切入快速消赞品行业的具体思路。     

A Multicriteria Approach for Modeling Small Enterprise Credit Rating: Evidence from China

ABSTRACT

As the engine of China’s economy, small enterprises have been the central to the country’s economic development. However, given the characteristics of the small enterprises loan (i.e., short borrowing period, large volume, small amount and incomplete information), it is extremely challenging for financial institutions to assess their creditworthiness. Thus, it seriously delays and restricts the financing access for small enterprises. In an attempt to relieve the financing difficulty of small enterprises, this article makes use of 687 small wholesale and retail enterprises in a regional commercial bank in China, to establish a credit rating indicator system composed of 17 indicators by using both partial correlation analysis and probit regression. It then utilizes TOPSIS together with fuzzy C-means to score the credit ratings of our sample of small enterprises. With the dual test of default discrimination and ROC curve, the prediction accuracy of the established indicator system has reached 80.10% and 0.917, respectively, indicating the robustness and validity of our credit rating system.     

亚洲各国FDI流入相互关系的实证研究

近些年来,中国吸引的FDI增长迅速,亚洲的一些国家担心这会对本国的FDI流入产生负面影响。本文利用了空间计量经济学的方法来研究亚洲各国FDI流入之间的相互关系。研究结果表明,母国和东道国的GDP、东道国的劳动生产率对一国FDI流入规模的影响是正面的,而两国间距离和东道国贸易成本的影响是负面的;无论是亚洲整体还是亚洲的发展中国家,FDI流入都是互补的。由此,本文建议亚洲各国对FDI不应展开过度竞争。     

Effects of job stress on self-esteem,job satisfaction,and turnover intention

ABSTRACT

This study is focused on female inbound call center counselors who are easily exposed to emotional labor when customers express anger and hostility and use swear words toward invisible targets on the phone. Our study is based on 244 responses from female inbound call center counselors. Job stress has a significantly negative effect on job satisfaction and self-esteem. It was shown that self-esteem has a partially mediating effect, and turnover experience had a moderating effect. It is important to shed new light on the roles of self-esteem among determinants of job satisfaction.     

A Lake Dream in Asia

When William Wordsworth,representative of Lake Poets wrote his Ode to Night ingale nearby the Lake District of England at the turn of the nine-teenth century,he never imagined a century later,a similar romantic lake dream has been created in China,Asia.     

中国节能减排的努力及对全球温室气体减排的贡献

2006年11月份,国际能源机构(IEA)预计,按照当前的发展态势,中国二氧化碳排放量将在2010年之前超过美国,成为世界上第一大排放国.国际社会对我国温室气体的排放,特别是以化石燃料燃烧引起的二氧化碳排放情况越来越加以关注.     

中国上市公司股权融资偏好与融资成本研究

企业可以通过股权方式或债务方式来筹集资金,这两种融资方式又会引发公司资本结构和资本成本等一系列问题。本文研究了我国上市公司的融资行为和融资成本,结果发现,上市公司普遍存在着“股权融资偏好”,上市公司的真实股权融资成本要远高于债务融资成本,因此,过低的融资成本只是股权融资偏好的表层原因,特殊的股权结构和严重的委托-代理问题才是其内因。     

论企业在项目实施中的协同机制研究

项目实施是一个多方参与、涉及众多专业和技术知识的复杂管理过程。参与项目实施的各利益相关方之间的关系较复杂,冲突和矛盾会随着项目所处阶段的不同而有所变化。本文从拟从协同管理理论的角度出发,探讨企业在项目实施中的协同机制,进而促使参与各方最大可能实现利益共赢、资源共享,如期顺利完成目标任务。     

Investing Volatile Resource Revenues in Capital‐Scarce Economies

Natural resource revenues are an important financing source for public investment in many developing economies. Investing volatile resource revenues, however, may subject an economy to macroeconomic instability. This paper studies fiscal approaches to investing resource revenues, using Angola as an example. With spend‐as‐you‐go, resource revenues are spent as received, resulting in little external saving; public investment can be interrupted, driving up the capital depreciation rate and undermining stability. Gradual scaling‐up, instead, allows countries to build up external saving to shield investment from revenue volatility. The framework adopted here can be used as a planning tool to define a medium‐term fiscal strategy.