转型期中国城乡居民宏观消费与储蓄的实证检验

在经济转型的历史进程中,中国居民消费的宏观制度环境和微观选择行为发生了较为重大的变迁。文章在制度转型的宏观背景下,基于居民消费行为的分析框架,分别建立了城镇与农村居民宏观消费与储蓄模型,并对中国城乡居民消费与收入的长期均衡和短期波动关系进行了实证检验。在此基础上,提出了相应的政策建议。     

透过诸城市“村改社区”看农村宅基地制度改革

随着城镇化和城市化的发展,先前的适应城乡二元结构的农村宅基地制度已经不适应现在市场经济的发展需求,弊端突出,问题、矛盾突出。农村宅基地制度改革势在必行。在诸城市进行"村改社区"过程中将会对农村宅基地进行置换和复垦,不仅增加了耕地而且还节约了土地资源。     

The Higher Earning in America: Are 529 Plans a Good Way to Save for College?

This article studies whether 529 plans are an effective way for most people to save for college. The 529 plans were created in 1996 to help low- and middle-income American families save for college. Since this time they have adopted more tax advantages and grown substantially as a result. While total balances in 529 plans now exceed $250 billion, less than 3.0 percent of households have a 529 plan. And the majority of 529 plan accounts are held by the wealthiest households. Low- and middle-income households receive little tax savings from investing in 529 plans, and some states count these plans against financial aid. Also, 529 plans are complicated, rules vary by state, and fund management fees tend to be high. Thus, 529 plans are not the panacea to college affordability.     

The importance of urban milieu in predicting recreation participation: The case of day hiking

Abstract

Numerous outdoor recreation forecasting studies have included household characteristics as well as aspects of the recreation facilities and accessibility. Only a few studies, however, have included in the prediction equation any measure of the effects of urban milieu on behavior. Four commonly cited surrogates of urban milieu are used to cluster the cities of Illinois into three relatively homogeneous groups of environments. Regression analyses are then undertaken using individual household data, aspects of the recreation facilities patronized by the households, participation, and distance and travel time estimates. Comparisons of the regression analyses indicate that, as a concept, milieu is an important predictor of both the volume of recreation participation and salient features of recreation facilities.     

中国U型储蓄的分析

我国的储蓄率逐渐变为U型和国外的倒U型是相反的。退休后的储蓄率高于工作的人的储蓄率，出现了和生命周期理论相违背的现象。这种趋势从1995年开始，到2000年出现大的上升，到2005年趋势非常明显。     

住宅套型的物理性能质量衡定标准探讨

本文从住宅套型的声环境、光环境、热舒适环境和通风环境四大方面入手,对影响住宅套型性能质量之物理性能质量进行探讨。     

浅谈建筑工程施工的质量管理

文章探讨了建筑工程施工中的目标策划与管理,以及建立规范化、标准化的质量保证体系和工程质量管理规章制度,以期为住宅建设工程质量的科学管理提供参考。     

我国农村小额信贷未来发展路径探析

建设社会主义新农村需要大量的资金投入,特别是小额农贷对农民致富持续发展无疑又是举足轻重。本文首先分析了我国农村小额信贷存在的问题,进而指出了其未来的发展路径。得出邮政储蓄银行在农村小额信贷业务方面大有可为。最后分析了邮政储蓄银行农村小额信贷风险的防范措施。     

公建及高档民用住宅设计及施工专业的科学配合浅析

本文从公建及高档民用住宅的设计、施工现状入手,以专业配合的科学方法为基点,分析了其中配合不完善、不合理的因素、容易出现的问题及有效的解决策略,对高档住宅及公共建筑的科学设计、合理施工有重要的规范作用,有效的促进了建筑设计、施工等各个环节的充分融合与跨越式发展。     

Corporate governance and efficiency in banking: evidence from emerging economies

ABSTRACT

This article investigates the impact of corporate governance on bank efficiency across a sample of 139 commercial banks from 17 countries of Central and Eastern Europe during the period 2005–2012. Data on governance characteristics are hand-collected from banks’ reports. The empirical findings indicate that implementing rigorous corporate governance structures is associated with higher costs for banks and a lower level of efficiency. However, during the crisis, a tight governance mechanism significantly increases banks’ cost and technical efficiencies. We also show that prudent risk management is associated with both higher cost and technical efficiency for more capitalized banks, while rigid supervisory boards are linked with greater technical efficiency for more capitalized banks.