网络银行与传统银行的比较分析

本文基于对网络银行与传统银行的比较分析,阐述了二者在性质特点、业务种类、经营管理模式、资产负债结构、风险管理,以及金融监管等方面的不同,本文的分析表明网络银行除了传统银行的共性外还具有自身的特性,这些特性决定了网络银行是未来各国银行业的发展方向,但网络银行也不可能完全取代传统银行。     

传统大型企业研发项目管理模式分析

文章以一著名有色企业研发项目管理为例来分析传统大型企业研发项目管理模式,总结出研发项目管理模式的特点,即分散布局、意向指令与多头管理相结合。     

Remaining life estimation of used components in consumer products: Life cycle data analysis by Weibull and artificial neural networks

Environmental awareness and legislative pressures have made manufacturers responsible for the take-back and end-of-life treatment of their products. To competitively exploit these products, one option is to incorporate used components in “new” or remanufactured products. However, this option is partly limited by a firm's ability to assess the reliability of used components. A comprehensive two-step approach is proposed. The first stage phase statistically analyzes the behavior of components for reuse. A well-known reliability assessment method, the Weibull analysis, is applied to the time-to-failure data to assess the mean life of components. In the second phase, the degradation and condition monitoring data are analyzed by developing an artificial neural network (ANN) model. The advantages of this approach over traditional approaches employing multiple regression analysis are highlighted with empirical data from a consumer product. Finally, the Weibull analysis and the ANN model are then integrated to assess the remaining useful life of components for reuse. This is a critical advance in sustainable management of supply chains since it allows for a better understanding of not only service requirements of product, but the remaining life in a product and hence its suitability for reuse or remanufacture. Future work should assess: (1) reduction in downtime of process equipment through the implementation of this technique as a means to better manage preventative maintenance; (2) reduce field failure of remanufactured product; (3) selling-service strategy through implementation of the proposed methodology.     

Bayesian life test planning for the Weibull distribution with given shape parameter

This paper describes Bayesian methods for life test planning with Type II censored data from a Weibull distribution, when the Weibull shape parameter is given. We use conjugate prior distributions and criteria based on estimating a quantile of interest of the lifetime distribution. One criterion is based on a precision factor for a credibility interval for a distribution quantile and the other is based on the length of the credibility interval. We provide simple closed form expressions for the relationship between the needed number of failures and the precision criteria. Examples are used to illustrate the results.Received: October 2002 / Revised: March 2004     

基于物流保险发展的几点思考

分析在物流业高速发展,其风险亦加大的新形势下物流保险发展迟滞的原因,并提出了促进物流保险发展的相关建议。     

浅析我国工伤保险立法中的几个问题

我国的工伤保险制度曾在我国社会保障体系的建立和完善中发挥了重要作用,但经过几年的实践,逐渐显露出一些问题,主要体现在社会保障作用发挥得不够,工伤范围、工伤认定申请程序不合理,工伤赔偿责任与民事侵权责任的关系不明确等方面。     

养老保险全国统筹、渐进式延迟退休与基金可持续

基于精算模型分析养老金全国统筹与渐进式延迟退休年龄政策对养老保险基金可持续性的影响,结果显示：全国统筹政策在短期使财政负担下降100%,长期内不能有效降低财政负担。在此基础上实施“女先男后”和“男女同步”渐进式延迟退休年龄政策能分别使养老保险累计财政负担降低6.68%和34.36%。为有效减轻养老保险基金支付压力和财政负担,应完善全国统筹政策,并尽快出台渐进式延迟退休年龄方案。     

关于广西农村保险需求的调查研究

通过对广西部分典型市县乡村的调查研究,从农民对保险的购买能力、农民对保险的了解和购买情况、农民应对风险的方法和途径、农村保险需求结构等方面对广西农村保险现实需求进行了分析,发现广西农村保险有效需求不足.从广西农村人身保险的需求结构、农村财产保险的需求结构两角度对广西农村保险潜在需求进行分析,得出广西农村保险的发展蕴藏着巨大发展空间.     

新型集体经济的基本理念和改革实践

本文从理论和实际的结合上，对我国发展集体经济的认识与实践进行历史和现实的思考，阐述了以新型集体经济的理念改造传统集体企业，发展多种形式的集体经济，坚持和完善社会主义初级阶段的基本经济制度，推进中国特色社会主义事业发展的理论思路。     

中国城镇化进程中社会保障制度的城乡统筹

长期以来,我国实行城乡二元保障格局和严格的户籍管理制度, 使城乡居民享受不平等的社会保障待遇,导致城乡隔离和分割,限制了农村剩余劳动力的转移和向城市的流动,延缓了我国城市化进程.适应城镇化建设需要,构建一元化的社会保障制度是中国社会保障制度设计的终极目标.根据当前实际,应从户籍制度改革、城乡社会保障项目整合、制度完善等方面采取对策措施.