改革与完善我国现行消费信贷制度的几点思考

在我国，消费信贷发展缓慢，其原因是：消费者承贷能力较弱；消费信贷操作不够规范；缺乏消费信贷的防范机制和完善的社会保障制度。若扩大消费信贷就必须营造有利于消费信贷发展的法制环境，并借鉴西方发达国家经验。     

乡村振兴背景下黔南州乡村民宿发展概况、问题及对策

乡村民宿的发展既是乡村振兴的产业基础,也是促进少数民族文化复兴的有效方式,同时也增添了乡村的个性和特色。黔南州拥有秀丽的山水自然资源和独特的民族文化内涵,这对促进乡村民宿旅游发展具有显著优势,也为这种新型旅游模式提供了内生动能。运用实地调研和问卷调查方式,剖析了黔南州乡村民宿发展存在的问题,并针对性提出了加快黔南州乡村民宿发展的具体对策,以期促进黔南州乡村民宿健康稳定发展。     

山东半岛零售业视阈下自有品牌与消费者行为意向的实证研究

当前我国零售业快速发展,零售商间的竞争日趋激烈,发展自有品牌成为零售商获取竞争优势的重要途径,对自有品牌的消费行为进行研究具有重要的现实意义。在总结国内外研究的基础上,从品牌认可、感知形象、感知质量、感知价格、价格意识及促销刺激六个方面探究其对自有品牌消费者行为意向的影响,并通过问卷调查对模型进行验证,以期为零售商开发和推广自有品牌提供营销策略上的依据和借鉴。     

To Justify or Not to Justify: The Role of Anticipated Regret on Consumers’ Decisions to Upgrade Technological Innovations

Prior research suggests that adoption decisions are primarily based on product features and experiential opportunities, like trial and observation. Our research follows inquiries that identify anticipated regret (AR) as an emotion integral to consumer decision making. Prior research and current retailing practice assume that AR can be alleviated by compelling product attribute-based rationales for immediate purchase. These rationales often take the form of direct attribute comparisons between the current best and the future technologies. Counter-intuitively, we find that giving consumers attribute-based justifications for immediate purchase produces a uniform level of AR and purchase delay regardless of the perceived rate of innovation (PRI). However, under conditions of low PRI and no justification, AR decreases significantly. A clear implication of our findings is that firms marketing current technology should not rush to provide consumers with justifications for immediate upgrade since such communications will remind consumers of what they might miss if they adopt now, resulting in increased AR and purchase delays. Instead, we suggest that retailers focus promotional efforts on highlighting the hedonic benefits consumers experience by adopting today.     

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.     

The Impact of House Prices on Consumer Credit: Evidence from an Internet Bank

This paper shows that house price fluctuations can have a significant impact on credit availability. Data from Prosper.com, a peer‐to‐peer lending site that matches borrowers and lenders to provide unsecured consumer loans, indicate that homeowners in states with declining house prices experience higher interest rates, greater credit rationing, and faster delinquency. We find especially large effects for subprime borrowers whose balance sheets are likely most exposed to asset price declines. This evidence suggests that asset price fluctuations can play an important role in determining credit conditions and are thus a potentially significant mechanism for propagating macroeconomic shocks.     

Advertising, Its Determinants, and Market Structure

This study derives a formal model of firm advertising behavior and applies it to the industry level to figure out the relationship between advertising and market structure. The firm advertising model shows that both consumer preference andfirm-specific advertising competence jointly determineprofit-maximizing advertising intensity. At the industry level, advertising intensity is represented multiplicatively by consumer preference and a measure of market structure, which reflects the joint distribution of the levels of advertising competence and market shares among firms. The new market structure measure suggests that those single-dimensional measures of market structure such as seller concentration and the Herfindahl index are inadequate in explaining interindustry differences in advertising intensity, and that the long-debated advertising-concentration relationship differs depending primarily on the appropriability of advertising. An empirical analysis of 426 five-digit Korean manufacturing industries shows that an inverted U-shaped relationship between the Herfindahl index and industry advertising intensity is observed for consumer goods industries but a lazy J-shaped relationship for producer goods industries.     

生活方式、消费者创新性与新产品购买行为的关系

本文在文献研究的基础上归纳出描述和测量生活方式的四个主要维度:时尚意识、领导意识、价格意识和怀旧意识。基于1006位重庆消费者的问卷调查所得数据,检验生活方式、消费者创新性和新产品购买行为三者的关系,发现生活方式能显著地影响消费者创新性,而消费者创新性对新产品购买行为有显著的促进作用,消费者创新性在生活方式与新产品购买行为的关系中起完全中介作用。     

大众媒体与青少年的非正常消费行为——以我国城市中学生为例

消费者社会化是个体获得与消费活动有关的知识、技能和态度的过程,而大众媒体是个体社会化最重要的影响因素之一。通过对中国城市青少年的问卷调查,以青少年对媒体广告的信任度和各类媒体接触频率为纬度,揭示了大众媒体如何对中国城市青少年社会化产生影响,而后分析大众媒体如何影响青少年的非正常消费倾向。研究结论为营销管理者利用大众媒体广告强化青少年的顾客忠诚度提供了理论依据。     

国际谷物价格波动对中国经济的影响研究

运用有向无环图(DAG)方法并结合基于SVAR模型的脉冲响应和预测方差分解方法分析国际大宗谷物价格波动对中国经济的传导途径及其效应。研究发现,国际食品价格波动影响国内消费物价水平和工业产出的传导途径不明显,其波动只能直接传导到国内的农副产品购进价格,进而直接或间接通过影响国内工业品出厂价格传导到国内消费物价水平,为中国治理通货膨胀提供了理论依据。