Monoline Restrictions, with Applications to Mortgage Insurance and Title Insurance

Insurance firms in the United States generally operate on a multiline basis, meaning that they provide coverage for two or more insurance lines, such as auto and homeowner insurance. Most states, however, require that firms offering mortgage or title insurance operate on a monoline basis, meaning that an insurance firm may provide coverage against only one type of risk. This paper investigates the conditions under which monoline restrictions represent efficient regulatory policy. Monoline requirements are an intriguing issue because multiline insurance firms receive the diversification benefit that the firm’s capital is available to pay insurance claims on any of its lines. The paper shows, however, that the specific features of the mortgage and title insurance lines create a special case in which monoline restrictions may represent efficient regulatory policy.     

出口退税管理的不对称信息分析

在出口退税管理过程中存在着两类委托代理关系:税务机关与外贸企业之间的委托代理关系及中央政府与税务机关之间的委托代理关系。由于不对称信息现象的存在使得出口退税管理难以达到优化状态。运用信息经济学的方法,通过对出口退税管理的行为主体间的委托代理关系分析,可以找到均衡条件下影响代理人最优努力水平的各项因素,从激励约束机制设计角度探讨如何改进现行出口退税管理,使其更好地发挥应有的作用。     

对完善我国股票市场价格稳定机制的探讨

价格波动性是股票市场与生俱来的特性,也是股票市场存在并正常运行的前提条件。但如果股价波动过大,价格变化不连续,就必然加大投资风险,影响股票市场的规范和稳定发展。因此,必须建立和完善股票市场价格稳定机制。     

努力提升现代企业用人管理水平

现代企业的建立，必须要有先进的科技和庞大精良的人才队伍来支撑，人才已经成为决定企业生死的关键要素。积极创新引入用人机制，重视人才的培养和现有人才的盘活，树立“有用即人才”的人才评价标准，从关注学历、职称向关注人才的能力素质拓展，从关注成名成业的“显人才”向关注“潜人才”、“准人才”拓展。在实现现代企业发展目标的牵引下形成更具生命活力的团队。为人才创业、成长营造公平公正、规范有序的法治环境，以及鼓励创新和开放包容的人环境。     

英汉被动句式之比较

被动句在英汉两种语言中都是特殊句式,其所属体系、句式结构、用法限制都存在差别。对英汉两种被动句的比较研究将加深对其理解和学习。     

Sowing the Seeds of Reason in the Field of the Terminator Debate

In an effort to restrict seed piracy in the global agricultural market, Monsanto intends to implement some form of genetic use restriction technology (GURT). Regarding such intentions, many activist groups adamantly contend that Monsanto will be acting immorally if GURTs, specifically Terminator Technology (TT), are implemented in the global agricultural market. They argue that the potential implementation of TT is immoral because it threatens to infringe upon the rights of resource-poor farmers (mainly in developing countries) by denying them the ability to save the seed derived from their harvests. While there may be ways that the implementation of TT can be construed as wrong, I narrowly argue that Monsanto will not be wrongfully infringing upon the basic rights of resource-poor farmers if it actually implements TT. Moreover, as long as Monsanto takes the appropriate measures to minimize the possible negative effects that TT may have on resource-poor farmers, and allows these farmers to make an autonomous choice to use seed that contains this technology, Monsanto’s possible implementation of TT cannot be accurately considered to instantiate an immoral violation of basic rights.     

关于建立地勘企业经营者年薪制的思考

文章认为,建立地勘企业经营者年薪制,是建立激励机制的重要一环,也是真正建立地勘企业经营机制的重要一步.笔者结合我国中小企业特别是福建国企经营者年薪制的试点情况,从地勘企业的实际出发,对地勘企业经营者实行年薪制问题进行了初步探索.     

连续波雷达生命特征探测机理的分析与讨论

通过理论分析和计算机仿真,指出用多普勒雷达理论研究生命特征探测时,在由基带信号获取心跳和呼吸信号的方法,以及呼吸和心跳信号的幅度差别两方面,理论与实验存在不一致性。提出了一种基于生物电效应的连续波雷达探测生命特征的观点,并通过电磁散射理论分析表明,可以将系统表示为以调幅-调相波为特征的简单数学模型。     

包装设计与广告

阐明了商品包装与广告间的联系与区别，正确处理好两者的关系，使商品的包装与广告设计发挥出各自最大的效用。     

CIS与现代企业管理美学

概括性介绍了 ＣＩＳ（Ｃｏｒｐｏｒａｔｅ Ｉｄｅｎｔｉｔｙ Ｓｙｓｔｅｍ）的三大基本组成，并阐述了它与现代企业管理密不可分的相互联系及所处的举足轻重的地位，指出导入ＣＩＳ是现代企业谋求发展的重要手段。