从广义资产证券化视角透视互联网金融

作为信息技术与传统金融结合的新兴业态,互联网金融以其快速发展、潜在风险和对传统金融业的冲击备受社会各界关注。互联网金融不是简单的“互联网+金融”,而是在互联网时代金融市场的重构和广义资产证券化过程,它重新定义了货币资本这一生产要素的配置方式,深刻地改变着社会的生产组织方式和经济运行模式,将促使现实经济不断向无摩擦一般均衡市场状态演化。因此,不仅要关注互联网金融运营机构自身的风险情况,而且要着眼于互联网金融市场的长远发展,建立有利于维护市场公平公正、促进市场主体交易活动效率提升的制度体系,鼓励有利于完善市场机制的互联网金融创新,建立基于市场功能的监管制度,并完善信息披露和交易规则。     

Online retail experience and customer satisfaction: the mediating role of last mile delivery

ABSTRACT

For various industries worldwide, recent years have been defined by the remarkable growth of e-commerce. Enabled by the Internet, retailers can reach more customers, spread much further in the distribution chain, and optimize their resources. In the new market environment, customer experience has become a source of competitive advantage. This study investigates the role of last mile delivery in the customer’s e-retail experience. A quantitative methodology was used, which incorporated a survey that was conducted in Sweden and measured participants’ most recent e-retail experience. The results indicate that the last mile delivery experience mediates the relationship between the customer’s perception of the online shopping experience and customer satisfaction. These conclusions provide ground for further thorough investigations of the role of last mile delivery in the e-retail context and support e-retailers in increasing their customers’ satisfaction.     

Classifying technological innovation attributes for hotels: an application of the Kano model

ABSTRACT

Technological facilities and services have become attractive features in hotel selection. However, limited research has been conducted on how technological innovation attributes are perceived by hotel tourists. This paper aims to highlight and categorize the technological innovation attributes of hotels based on the Kano model. Empirical testing shows four technological innovation factors: Internet and app usage, smartphone usage as a room key and for payment, E-housekeeping, and the use of electronic self-service systems. Findings provide practical implications for hotel operators planning to introduce technologies into their hotels.     

网上银行风险拆析与管理对策

从网上银行的内涵和特征入手,阐述了网上银行具有比传统银行更大的风险放大效应,进而对网上银行的风险进行了具体的分拆,逐一分析网上银行运行中所面临的各种风险及其成因,最后从网上银行运营方、监管当局、行业部门和政府这四个角度提出相关的风险管理对策,以有效控制网上银行的风险。     

虚拟社区社会资本的商业价值——基于广义虚拟经济的视角

网络中广泛存在的虚拟社区为人们提供了交流与共享的虚拟空间,在虚拟社区成员间的互动与沟通过程中,将形成一种非实物资本——社会资本.社会资本理论从三个维度上对此进行了阐释:结构维度、关系维度和认知维度.在社会化营销迅速发展的今天,虚拟社区中的社会资本也逐渐彰显出其商业价值.本文将结合社会资本理论与广义虚拟经济相关理论,以网络团购为例,对虚拟社区中社会资本对商品价值和交易活动的影响进行分析.     

福建省公务员远程培训的教学管理问题及改善

公务员远程培训的教学管理工作是公务员远程培训各项管理工作的核心。针对福建省公务员远程培训教学管理中存在的问题,提出需要强化制度建设,构建公务员远程培训的组织保障体系和领导协调机制;加强教学资源建设,进一步增强公务员远程培训的针对性和实用性;加强＂软＂、＂硬＂件建设,完善远程培训的学习支持服务体系和科学评价机制。     

中国发展网上证券交易的思考

互联网的发展使网上证券交易成为证券经纪业务的新趋势。我国的网上交易业务自1997年以来发展迅速 ,但仍存在诸多问题。回顾美国网上证券交易的发展历程 ,中国在网上交易的基础条件方面 ,仍有多方欠缺 ,也不具备推动其快速发展的低成本因素 (即佣金自由化 ) ,因而我国证券监管部门和券商都应重新全面认识网上交易 ,并采取积极的改革措施 ,以保证网上证券交易健康发展。     

Online-to-Offline Interactions and Online Community Life Cycles: A Longitudinal Study of Shared Leisure Activities

ABSTRACT

Online communities are changing the way people enjoy leisure activities through computer-mediated interactions, yet little is known about how these groups form, function, and network. The current study draws on two years of involvement with a Meetup group, using participant observation and ethnographic interviews of the group's live interactions and content analysis of the group's online communication. Throughout this article, the author analyzed the life cycle of online communities and discovered that technology acts as a catalyst for group formation and that the fast and exponential growth of groups centered on common leisure interests. Computer-mediated communications also accelerated the pace of conflict among groups and the formation of alternate communities to satisfy the same need. Patterns of group formation, consolidation, conflict, splintering, and re-grouping repeated themselves throughout the observation period. Finally, the present research discusses how this new form of social interaction facilitates leisure pursuits and encourages creativity in the creation of diverse activities which foster continued participation.     

Consumer Attitudes toward Online Advertising: The Moderating Role of Personality

This study investigates how consumer attitudes toward advertising in general affect their attitudes toward online advertising. It also investigates the moderating role of the personality traits of introversion and extroversion in explaining this relationship. An online survey is used to collect data from a convenience sample of 244 respondents living in Canada. Results show that attitude toward advertising in general has a positive and significant impact on attitude toward online advertising. Introversion is found to have no moderating impact on the relationship between both attitudes. However, extroversion moderates this relationship.     

生态旅游中拟人化解说对游客环境教育效果的影响——基于网络情景实验的分析

生态旅游情境下,解说是实现环境教育的重要媒介。解说的拟人化设计使解说内容以更具亲和力的方式展现出来,可给游客带来更好的环境教育效果。基于此,本研究采用网络问卷的情景实验法,以解说方式是否拟人化、游客认知风格差异的双因素完全随机实验设计,探究解说方式的拟人化对游客环境教育效果的影响机制。结果表明：（1）解说方式在视觉与听觉上的拟人化,对于游客的环境教育效果均有显著影响;（2）游客认知风格在拟人化解说与游客环境教育效果中的调节作用,在视觉层面上得到了显著表现,听觉层面则无显著差异。本文探究了解说方式拟人化与游客认知风格的交互作用对游客环境教育效果的影响,补充了环境教育研究中仅关注解说内容而忽视其展示方式的不足,同时考虑了不同特征游客的多样化、个性化的解说需求,为完善生态旅游解说设计、提升旅游的环境教育效果提供了参考。