心智账户理论综述:实证、因素与应用

作为行为金融学的基础理论之一,Thaler提出的心智账户是强调人们心理上对决策结果进行记账、编码、估价和预算的行为过程,且心智账户的损益核算遵循前景理论的价值函数特征。与传统金融学的财富可替代性假设相悖,心智账户给出了传统理论无法解释的众多市场非理性行为的深刻洞见。基于对心智账户理论的提出、特征、影响因素、理论应用等方面最新文献的梳理,本文综述认为:心智账户理论的未来发展,必须致力于构建其神经元理论基础,同时扩展动态参照点的研究方法;最后,建立具有中国社会文化特征的居民心智账户及其理论体系。     

Explaining adoption of mobile banking with the theory of trying,general self-confidence,and cynicism

Drawing upon the theory of trying, the present study goes a step further by including two important, but rarely addressed factors in the context of new technology adoption: general self-confidence and cynicism. Both of these variables are considered significant precursors of attitudes, particularly in the context of emerging and developing countries. The data were collected from 557 bank customers and then analyzed using Smart PLS. The findings reveal that intention of adopting mobile banking is determined by attitude toward mobile banking, which in turn is determined by attitude toward success, attitude toward failure, and attitude toward learning to use mobile banking. The last three attitudes are significantly influenced by general self-confidence and cynicism.     

面向大学生创业的众筹模式运用:基于扎根理论的分析

众筹是一种面向公众募资,以支持发起活动的个人或组织的特定目标和任务的群体行为。这种新兴的互联网商业模式更贴近大众,且与政府众创计划紧密呼应。探索了众筹模式在大学生创业过程中的实际应用和运作机制,通过各类众筹网站选取不同类型大学生创业样本,利用扎根理论进行了概念分析与编码,分析了大学生在创业过程中对于众筹的想法及顾虑,以及面向大学生创业的众筹模式运作机制,可为大学生创业提供理论参考。     

转型期民航产业组织分析框架创新——中国民航业的经验检验

本文针对产业组织理论(SCP框架)在转型期民航产业组织研究中存在的局限性,在比较分析民航产业组织演变的国际经验基础上,提出了转型期民航产业组织的RPSCP框架,取得了理论分析和实证检验的一致性结论,证明了在转型期民航产业组织研究中RPSCP框架比SCP框架更具解释力.在此基础上,提出了中国民航产业组织优化的政策建议.     

Data Science: an Action Plan for Expanding the Technical Areas of the Field of Statistics

An action plan to enlarge the technical areas of statistics focuses on the data analyst. The plan sets out six technical areas of work for a university department, and advocates a specific allocation of resources devoted to research in each area and to courses in each area. The value of technical work is judged by the extent to which it benefits the data analyst, either directly or indirectly. The plan is also applicable to government research labs and corporate research organizations.     

美国信托受托人的谨慎投资义务论析

受托人的谨慎投资义务是现代信托法制的核心.美国<统一谨慎投资者法>吸收现代投资组合理论的精髓,从投资目标、投资组合、投资信息、投资技能和投资成本等方面对信托受托人的谨慎投资义务标准作了细化.这种细化不仅对受托人投资权力的滥用起到很好的防范作用,而且也比较契合当今证券信托投资的实际需要,值得我国今后在信托投资立法修订中加...     

禀赋与经验:投资者成长理论及实证分析

本文定义了一个投资者成长过程与投资者成长理论。通过对相关文献的系统分析,我们总结出决定投资者成长状态的两大因素:禀赋与经验。我们尝试将这两大主题的研究成果整合成统一的投资者成长理论。该理论告诉我们:一、不是所有人都适合股票投资;二、进入市场后投资者会随着交易经验的积累而不断成长并趋于稳定的状态,但存在学习抑制效应;三、高禀赋者进入市场后的成长性更好。接着,我们进行问卷调查对理论进行实证分析,调查结果支持了投资者成长理论。     

浅谈组织如何管理不能晋升的员工

晋升是组织激励人才的一项重要措施，对组织优化配置人力资源起着非常重要的作用。文章从晋升的作用及诱发员工不能晋升的成因入手，理论联系实际，探讨组织如何有效管理好这些不能晋升的员工。     

Recursive Moments of Compound Renewal Sums with Discounted Claims

Under regularity conditions, Le´veille´& Garrido [6] gives a derivation of the first two moments (resp. asymptotic) of a Compound Renewal Present Value Risk (CRPVR) process using renewal theory arguments. In this paper, with the same procedure and assuming that all the moments of the claim severity and the claims number process exist, we get recursive formulas for all the moments (resp. asymptotic) of the CRPVR process.     

Value-oriented brand positioning

The objective of brand positioning is to place a brand that is clearly distinguishable from competitors' brands on the market. The principal aim is to ensure that the brand occupies a unique position on the market and that it is endowed with a precisely defined profile with clear-cut contours. The basic idea underlying this analysis is that consumers' perceptions of the various brands can be conceived as a multidimensional space in which individual brands are positioned. A product's positioning is determined from its position on the relevant dimensions of the perceptual space, its position on the various product attribute vectors and its position with respect to other brands. This paper uses correspondence analysis to reconstruct a space, in order to connect the relevant brand attributes with the drivers of behaviour, such as utility components and individual values. An empirical investigation shows the usefulness of this approach for product and advertising policy.