对产业集群客户授信风险管理的思考

贷款客户集中度是衡量贷款风险的一项重要指标。特别是2008年世界金融危机发生后,各国都在防范金融风险上加强控制,随着巴塞尔协议3逐步广泛得到世界各国的认同和实施,贷款集中度问题越来越应该引起重视。但是,由于事实上的微观动作,贷款集中有趋重的趋势,其中产业集群客户授信是重要手段。本文结合授信风险管理存在的问题提出建议。     

旅游活动助益游客心理健康——基于调查数据的实证分析

心理健康问题得到当今社会的极大关注,旅游有助于改善人们的心理健康,学界也进行了相关探讨。采用汉密尔顿焦虑量表（HAMA）与汉密尔顿抑郁量表（HAMD）对89例游客的焦虑状态和72例游客的抑郁状态在旅游前后进行测评,并运用SPSS 20.0进行检验和比对,研究旅游对于改善人们焦虑、抑郁情绪的影响。研究结果显示：1.游后焦虑情绪较游前有显著降低,而抑郁情绪改善不明显;2.景观类型选择对游客焦虑改善存在显著差异;3.旅游时间长短与游客焦虑存在负相关关系。     

场外市场交易制度的国际比较与借鉴

本文比较了国外场外市场交易制度的共性和差异，分析了中国场外市场的交易制度模式、市场环境及监管措施。研究表明：传统做市商制度与低层次的场外市场具有很强的适配性，交易制度的变革有明显的“路径依赖”特征；做市商制度的实施需要较成熟的市场基础环境和恰当的政策法律监管措施。目前，中国的场外市场还处于萌芽期，应吸收和借鉴国外经验，采用多元的竞争性做市商交易定价制度。     

Motivations for sharing tourism experiences through social media

Social media are increasingly relevant as part of tourism practices affecting destinations and businesses. Based on a destination-specific survey, this study charts and explores summer holidaymakers' motivations for social media contributions and their willingness to share content through various social media. The findings in relation to the much-visited destination of Mallorca offer an understanding of the adoption of tourist social media in technologically-advanced markets with high levels of ICT use. The results provide insights into such motivational factors as personal and community-related benefits as well as the social capital that influences a sharing of user-generated content. The study reveals a dominance of visual content, along with the relevance of altruistic and community-related motivations and motivational differences between types of content creators. Sharing practices through social media appear as valuable articulations of sociability and emotional support, while having lesser relevance as information sources for holiday decision-making. The paper additionally shows the extent to which old and new technologies overlap and complement each other.     

政策推动还是市场驱动?--基于文本挖掘技术的绿色金融发展指数计算及影响因素分析

本文运用文本挖掘法测算了2012~2017年全国31个省市区绿色金融发展指数水平,在此基础之上,首次较为全面地检验了政策推动、金融发展、生态环境和经济基础四大类因素对各地绿色金融发展水平的影响,并分别对2012~2014年、2015~2017年两个时间段子样本,以及东、中、西部三个区域子样本进行了进一步检验。实证结果表明:从全国来看,地方专门政策和金融发展水平是推动我国各地绿色金融发展的关键变量,但金融发展水平的影响并不稳定,且有赖于地方政策的实施;从时间上看,金融发展水平和地方政策推动分别是2015年前后我国各地绿色金融发展的主要影响因素,2015年后政策的出台进一步增强了金融发展对绿色金融的推动作用;分区域看,由金融发展水平主导的、自下而上的绿色金融创新在东部地区更为活跃,而西部地区则更有赖于地方政策主导的、自上而下的支持。     

Rating Agencies – An Experimental Analysis of Their Remuneration Model

Does it matter who pays for ratings? Yes, but not for the rating agencies’ behavior. These are the findings of our experiment where we analyze the effect of the remuneration model of rating agencies on their assessments as well as on investors’ and issuers’ behavior. First, we find that rating agencies’ assessments are comparable whether the agency is (partially) paid by issuers, investors or solely by the experimenter. Issuers, on the other hand, more often do not return investor's trust when they or investors pay for ratings. Further, investors more often act according to the agencies’ recommendations when they have to pay for this information.     

Daily relationships between customer incivility,organizational control,self-efficacy,and service performance

Despite increasing research regarding the buffering conditions of customer incivility, little attention has been paid regarding how firm-driven tactics can serve as buffers between customer incivility and work outcomes. To fill this gap in the literature, our research assessed the relationship between daily customer incivility, next-morning self-efficacy as it related to next-day service performance, and the cross-level moderating effect of perceived organizational control. Using the experience sampling method, we collected diary data from 135 South Korean service employees over five consecutive working days. The results of our multilevel analyses showed that customer incivility from one day had a significant indirect effect on next-day service performance through next-morning self-efficacy. Employees’ perceptions of behavior-based organizational control mitigated the negative relationship between daily customer incivility and next-morning self-efficacy. However, perceived outcome-based organizational control did not moderate the daily customer incivility-self-efficacy relationship. These findings suggest that managing service employees with behavior-based control is more effective than using outcome-based control when helping them cope with daily customer incivility.     

基于财务指标的中小企业信用评估研究--以大连市为例

基于相关文献回顾的基础上,选取反映中小企业盈利性、偿债性、营运性和成长性的13个财务指标,采用因子分析法拟合为4个公共因子,通过因子载荷建立了信用水平综合得分函数,结果表明,样本企业中大冷股份、时代万恒和大橡塑的信用状况不甚理想,需引起关注。最后,从企业、银行和政府等方面对防范中小企业信用风险及加强信用水平建设提出了对策建议。     

国外农业保险发展的经验与启示

业保险在经过200多年的探索发展后,各国都已形成了一套较为完整、独特的经营体制与经营模式,考察其发展演进的经验与教训,对中国农业保险的顺利实施具有重要的现实意义。基于此,文章将以若干发达国家农业保险的实践与经验作为起点,在对中国农业保险发展特点作出比较和基本评价的基础上,提炼出对国外农业保险发展的一般规律,并据此揭示对中国农业保险发展的启示。     

旅游学研究的时空视角:一种概念性理论框架

时间和空间不仅是自然科学领域和哲学层面的问题,也是当代人文和社会科学领域的重要话题。但时间问题在旅游研究中并未得到充分重视。文章着重探讨了旅游时间的性质与类型,将旅游时间由“旅游之外”引入“旅游之内”,提出了“旅游是时间与空间的统一形式”的基本思想;指出时空统一观是旅游学区别于其他学科的基本哲学观．时间视角与空间视角的有机结合,是全面地认识和考察旅游活动的性质与发展演变的基本分析视角。在此基础上,文章进一步研究指出,“旅游体验”应当成为旅游学理论建构的逻辑起点．不同时空尺度的组合构成了旅游学研究的十大对象（六大研究要素、四大关系对）与宏、微观两条研究路径。两条路径在各自研究对象、研究内容和研究方法上的差异,导致了旅游学研究在宏、微观上的分野。最后．文章根据旅游研究对象与相关学科的亲缘度构建了旅游学学科体系的基本框架,并展望,时空视角作为一种创新的旅游研究方法,可能会起到为不同学科在旅游研究问题上的融合与交流搭建桥梁的作用。