Research on the Credit Cycle and Business Cycle with a Focus on Ten States from Central,Eastern, and Southeastern Europe

By performing an econometric analysis of the credit cycle and business cycle from an individual as well as a comparative perspective, with a focus on ten relevant economies from the areas of Central, Eastern, and Southeastern Europe, this research offers a fresh view regarding the importance of banks in promoting long-term economic growth through their lending capacity. The purpose is to better understand the behavior (the short- and medium-term dynamics) of the credit cycle and business cycle and the effects of the interactions between them. The results of this study offer valuable insights for both academics and policymakers and provide a warning to regulators not to overregulate or put too much pressure on banking activity.     

Payday Loan Choices and Consequences

High‐cost consumer credit has proliferated in the past two decades, raising regulatory scrutiny. We match administrative data from a payday lender with nationally representative credit bureau files to examine the choices of payday loan applicants and assess whether payday loans help or harm borrowers. We find consumers apply for payday loans when they have limited access to mainstream credit. In addition, the weakness of payday applicants’ credit histories is severe and longstanding. Based on regression discontinuity estimates, we show that the effects of payday borrowing on credit scores and other measures of financial well‐being are close to zero. We test the robustness of these null effects to many factors, including features of the local market structure.     

我国货币政策传导机制的信贷渠道分析

受利率管制、证券市场不完善和社会保障体系的初步建立等因素的影响,我国信贷渠道不畅通。应加快利率市场化、加速商业银行股份制改革步伐,构建适应中小企业信贷融资的金融体系,以疏通信贷渠道。     

我国乡村旅游发展中农户利益分配问题与对策研究

乡村旅游是一种新型的旅游方式，也是我国旅游业中一个新的增长亮点。根据利益相关者理论，农户在乡村旅游发展中存在旅游吸引物价值不被补偿、合法权益和就业机会得不到保障、边缘化及贫富差距等问题。通过剖析问题产生的原因，提出转变政府职能、教育培训、参与式开发和发挥集体组织职能等方式解决问题，促进乡村旅游的可持续发展。     

对我国农村金融问题的思考

"三农"问题,是我国经济发展的根本问题,也是我国历届政府必须关注与解决的问题。"三农"问题的解决,核心是增加农民收入,而农民增收必须依赖于农村金融的发展和支持。本文通过对我国农村金融现状的分析,阐述其存在的问题,并提出解决我国农村金融问题的建议。     

关于当前农村扶贫工作的几点建议

当前我国农村扶贫工作呈现出贫困人口减少速度明显减慢,扶贫工作难度加大等新问题,已引起社会的普遍关注。为了进一步推进扶贫工作,各级人民政府应当加强农田基本建设,加大扶贫资金监管力度,完善扶贫评定制度,并加快扶贫工作法制化建设步伐。     

Decomposing Income Inequality and Policy Implications in Rural China

Using village data from samples covering 6 provinces,36 counties and 216 townships,the income inequalities within and between townships in rural China are assessed. The Theil index and the mean logarithmic deviation methods enable us to test income inequality at the township level,and to decompose it into intra-regional and inter-regional at county and provincial levels. In the present paper,we also decompose income inequalities between and within the nationally designated poor counties (NDPC). The results show that approximately two-thirds of the income inequality in rural China would be eliminated if measures and policies were targeted at the county level. This study also confirms the rationale that China's poverty alleviation strategy of focusing on poor counties based on the inequalities between NDPC and non-NDPC accounts for the most inter-province inequality.     

农村金融市场开放度测度与演化--基于新型农村金融机构省际数据的实证分析

基于新型农村金融机构引起农村金融市场结构变化的视角,文章从新型农村金融机构的覆盖面、服务能力和非正规金融机构正规化程度等三个维度,运用基尼系数和区位熵方法构建了农村金融市场开放度绝对指数和相对指数,分别测度了2008-2013年30个省、东中西部三大区域、八大经济区域的农村金融市场开放度。研究发现：我国农村金融市场开放总体程度水平非常低,处于开放的初期阶段;各省农村金融开放水平程度普遍较低,省际差距增大;三大区域西部农村金融开放度最高、东部次之、中部最低,呈U字型特征;八大经济区域开放度差异大,提升速度快。最后提出了加快推动农村金融市场开放、缩小农村金融开放的区域差距、继续深化农村金融体制改革、完善农村金融市场良性运行的制度基础、创新农村金融新产品和服务方式等政策建议。     

以龙江观光型乡村游为契机提升特色农产品营销力

近年,国内旅游业的乘数效应日益凸显,乡村旅游业也正逐步成为破解"三农"问题和建设美丽乡村的重要着力点。本文以龙江观光型乡村旅游中特色农产品购买者为分析对象,借助多元统计分析工具对影响游客购买行为的主要因素进行探讨,在深入剖析游客购买行为与影响因素的相关性后,提出了提升黑龙江特色农产品营销力的策略。     

我国乡镇企业发展存在的问题及对策

改革开放十几年来,乡镇企业异军突起,保持高速增长势头,成为我国国民经济中的一支重要经济力量。但是,当前乡镇企业发展中面临着许多困难,存在着许多亟待解决的问题。本文就此问题作了具体分析并提出相应对策。