中国银行业与国际银行业贷款分类比较分析

本文的研究目的在于通过对中国银行业与国际银行业贷款分类的比较分析,指出中国银行业贷款分类存在的差距,并提出改进的建议。文章指出目前中国银行业贷款分类技术无论在基本思路、客户细分、行业、规模、区域、国家风险方面,还是统计技术和方法的应用方面都存在较大差距。针对上述差距作者提出了改进的思路和方法,对于中国银行业改进现行的分类技术,缩小与国际同业的差距提供了有价值的参考依据。     

基于模糊综合评价方法的企业员工绩效评估研究

随着知识型工作范围的日益扩大以及员工工作成果的非量化发展趋势,企业对员工绩效的量化评估越来越困难。本文引入模糊数学中的模糊综合评价方法来研究对企业员工的绩效评价问题。在模糊综合评价基本模型构造理论研究的基础上,以宽带薪酬管理中的员工绩效评价为例,论述了运用综合模糊评价方法开展员工绩效评估的操作范式。     

水利水电工程建设中不良地基基础处理方法研究

不良地基基础在水利水电工程建设中是经常遇到的难题,也是人们采取各种方法希望解决的问题。不良地基基础处理的方法很多,由于不同建筑物对地基基础强度的要求不同,各种不良地质因素对建筑物的影响程度也有区别,因此处理不良地基的的方法也自然不尽相同。笔者认为,对不良地基基础的处理方法进行探索,并在水利水电工程建设中推广使用,具有极大的现实意义。     

日本国债：安全资产还是风险潜在

金融危机后全球安全资产减少,使日本国债地位相对改善,成为世界金融市场的避险工具之一.但由于日本长期政府债务净额占GDP之比居高不下,国债信用已经受到损毁,主权信用评级被下调.从日本国内资金循环特征看,日本企业转变为储蓄大户的原因不是企业的盈利增加,而是由于资产负债表的调整压力使投资意愿降低,因此,日本政府只有不断增发国债来弥补筹资主体的缺位;日本国债期限结构的短期化和日益增长的利息负担使其面临的市场利率风险加大;同时,日本中央银行购买国债规模膨胀,不断冲击财政纪律的约束,财政赤字货币化风险隐藏其中.长期来看,日本泡沫经济崩溃后,资产去泡沫化的过程也正是国债泡沫化的过程.在日本财政改革前景未见定论,企业的投资需求尚未恢复的前提下,日本国债的可持续性存在巨大风险.     

中国的信用评级真的影响发债成本吗?

信用评级制度旨在通过提供真实可靠的公共信息而改善市场效率,但在发行人付费模式和评级选购机制下,信用评级机构的公信力有待检验。由此,本文基于中国债券数据研究了信用评级对企业发债成本的影响。与既有文献一样,OLS分析表明良好的信用评级显著降低了债务融资成本,但考虑到内生性问题,此结果的可信性值得怀疑。基于理论分析和计量判据,我们以各地区评级机构的竞争程度作为债券评级的工具变量重新进行了回归,发现信用评级对发债成本的经济效应明显降低,且该效应在统计上也不再显著。这表明,中国的信用评级机构并没有获得市场认可的公信力,而评级膨胀也不会真正降低企业的发债成本。     

基于组合赋权的银行信用评价模型研究

信用评级是商业银行对客户偿债能力和偿债意愿的计量和评价,反映了客户违约风险的大小。通过对评价指标的海选和筛选构建了信用综合评价指标体系,用客观赋权的离差最大化法和主观赋权的组合确定指标最优权重,建立了基于组合赋权方法的银行信用评价模型。通过组合赋权,既保留了客观赋权对实际情况的真实反映,又反映了主观赋权体现了专家的知识与经验。     

日本NHK大河剧50年兴衰嬗变的阐释与分析

采取对收视率与内容分析相结合的双重手段．研究大河剧50年来的受众策略变化对其收视的影响,为国内电视媒体更准确地接收并处理受众反馈信息,提供了一个有借鉴价值的范例,并以此丰富国内电视节目在受众策略方面的研究。     

Playing in the Posthuman Band: Toward an Aesthetics of Intra-Action in Musical Leisure

Abstract

In this article we use ideas from theorists associated with the “new materialist” or “posthuman” turns in contemporary philosophy in order to challenge the conception of the musical subject posited in aesthetic contemplation advanced by what we term the “pedagogical music world,” and to pursue the possibilities afforded by an aesthetics of intra-action exemplified in practices of the musical “jam.” We return to ancient Greek conceptions of music and leisure (mousikē and scholē), mediated by posthuman theoretical concerns in an examination of the nature of musical affect to argue that an aesthetics of intra-action necessitates a distributed and immanent notion of musical agency rather than individual and transcendent one. Through this discussion, we attempt to trouble the ideas put forth by the pedagogical music world to illuminate leisure potential as imagined in the “posthuman band.”     

Leadership Competencies for Hotel General Managers: The Differences in Age,Education, and Hotel Characteristics

This study was designed to explore the leadership competencies necessary for general managers (GM) in Thailand hotels. The exploratory factor analysis extracted six leadership competency components: leadership, motivational/interpersonal skills, strategic orientation, planning and implementation, team building and ethics, communication skills, flexibility, and concern for the community. The results showed that team building and ethics, leadership, and communication skills are the most important factors for the GMs. In contrast, flexibility and strategic orientation were the least important competencies for them. There were significant differences between leadership competency factors and GMs’ age, education, hotel stars, and hotel locations in diverse aspects.     

Consistency and asymptotic normality of maximum likelyhood estimators

Abstract

Let the random variable X denote the time taken in completion of a process. For a fixed a, if the observed value of X is less than a, the X is observable, but if X is greater than a, the process is tampered with and is accelerated or decelerated at time a by some unknown factor α, and Y=a+α(X-a) is observed. If the experimenter has only partial control over the experiment, it may be difficult to get several observations on Y corresponding to the same a value. Thus we have a set of independent but not identically distributed observations. The large sample behavior of m.l.e. of the unknown parameters based on tampered random variables Y ^b1 , ..., Y ^bn is studied. If X follows an exponential distribution with mean (1/--), ... the consistency and asymptotic normality of the m.l.e. of α and -- is established under mild conditions on a ^b1, a ^b2, ... The conditions needed for establishing the consistency of m.l.e. of lX are given when X follows a uniform distribution U(O, --) or when X has any known distributional form