一种基于族类划分理论的保险营销信息获取方式研究

保险营销中的传统信息获取模式存在弊端,本文提出一种假说,利用历史资料推断客户的保险购买模式,从而获得客户更加完整的购买信息。这首先需要对商品进行族类划分。本文探讨了一种创新型的商品族类划分的基本理论以及操作方法,并对其方法进行了部分检验。     

我国政府购买居家养老服务保障现状与问题思考

政府购买居家养老服务保障模式作为实现政府、市场和社会三位资源整合的新型养老方式是迎接人口老龄化到来的优势养老选择,在国外和港台地区已经获得迅速发展并建立了长效运行机制。相比而言,当前我国政府购买居家养老服务事业正处于起步阶段,虽然部分地区已进行了有益的实践探索和总结,但服务的购买方、供给方、需求方都还面临着诸多困境：服...     

ERP中固定采购提前期矛盾的一种管理解决方法

采购提前期的确定是确保ERP核心部分MRP有效运行的重要前提之一，也是MRP实施过程中比较棘手的问题。MRP固定提前期的使用，又带来各种问题和矛盾，使得ERP的运行结果无法应用。基于技术的柔性提前期的应用．也因提前期数据难以确定，而不能从根本上解决这些问题。本文作者通过深入研究和实践经历．提出一种通过管理变革的措施，使得这一问题得到有效解决。     

新疆公立医院采购支出与付款内部控制研究

公立医院在采购支出与付款内部控制中存在着诸多问题。因此,加强医院自身的内部控制,建立公立医院采购支出与付款内部控制行之有效的监督制约机制十分必要。本文以若干家公立医院调查数据为依据,采用实证分析的方法对有关问题进行了分析,得出有关研究结论,并对公立医院如何进一步加强采购支出与付款内部控制提出了建议。     

我国债券型开放式基金申赎行为的实证研究

债券型基金和偏股型基金的投资对象有所不同,在其申赎行为的影响因素上也自然有所不同。文章对影响我国债券型基金申购和赎回的主要因素进行了实证研究,结果表明在我国债券型基金的投资者中存在着"处置效应",也即是投资者倾向于赎回高收益率基金而持有低收益率基金,但并不存在收益率越高、净赎回越多的"赎回困惑"现象。另外,市场利率对债券型基金的申购和赎回也有重要影响。     

浅谈我国房地产政策——以房价的过快上涨所引发的思考

我国近些年来经济突飞猛进的发展,其背后房地产对CDP的拉动功不可没,特别在金融危机中,大幅拉动内需,成为我国实体经济的支柱产业,但随着需求增大,房价节节攀升,购房困难成为百姓实现小康生活的头号难题。本文就房价过高产生的原因,以及如何看待我国的房地产政策谈了几点看法,并针对高房价提出了几点对策建议。     

The covariates of regularity in purchase timing

An examination of the timing of consumers' purchases for coffee reveals that consumers vary a great deal in terms of the regularity of their purchasing behavior. Some consumers make purchases at seemingly random time intervals, while others purchase at highly regular intervals. The measurement of regularity in purchase timing, as well as the identification of its covariates, is important in many contexts such as modeling purchase incidence and sales forecasting. We measure the degree of regularity among a sample of coffee purchasers and identify several consumer characteristics that vary with the degree of regularity in purchase timing. Results show that regularity in purchase timing is related to brand loyalty, store loyalty and deal proneness, as well as to certain pattern of routinization by the households, and that regularity may be used, along with other aspects of purchase behavior, to provide a basis for market segmentation.The authors wish to acknowledge the support of Information Resources Inc. for providing the data, and are grateful to Professor Jane T. Landwehr, University of Delaware, for her help.     

改革结售汇制度,完善汇率形成机制的关键一步--对近期外汇政策效果的思考

随着美元的不断贬值,人民币汇率又成为焦点,大量投机资金伺机进入境内。我国政府也在努力探索解决问题的办法,并出台了一系列的改革措施,但效果并不理想。本文认为必须从根本上解决这一问题,即对目前的结售汇制度进行改革,以使汇率形成的市场化机制创立,解决外汇储备被动增加     

机制设计视角的O2O模式科学性分析

O2O模式的升级与转型是目前电商行业的热点问题。运用机制设计理论,分析O2O不同经营类型的科学性,验证不同O2O类型与盈利模式间的关系。理论分析发现:相对于独立型与复合型团购,平台型团购能够较好地处理传统营销中买卖双方的信用关系,具有机制设计上的优势性。实证分析显示:平台型团购的盈利模式侧重于新型的增值业务收入,独立型与复合型团购侧重于商品的进销差价等传统盈利模式,消费者投诉绝大部分集中在独立型与复合型团购。     

A decision support model for buying battery electric vehicles considering consumer learning and psychological behavior

Developments in battery electric vehicles (BEVs) have received more and more attentions in the last decades due to alleviating carbon emissions and energy crisis. Consequently, how to rank alternative BEVs to assist consumers make better purchasing decisions is a worthy research study. However, there are still some defects in the existing studies for ranking of BEVs: 1) the evaluation index system of BEVs is not comprehensive; 2) the determination of criteria weights cannot be well applied to the actual purchase scenarios; and 3) the psychological behavior of consumers is ignored. To address those shortcomings, this paper proposes a decision support model to assist with consumers to buy BEVs. First, a systematic evaluation criteria system of BEVs including quantitative and qualitative indicators from parameter configurations and online reviews is constructed. Then, a weight algorithm considering consumer learning is proposed to determine the criteria weights. Furthermore, a decision support process considering consumers' regret avoidance behavior is proposed. Finally, an actual BEV purchase case is given to illustrate the practicability of the decision support model. This can be seen in case studies the proposed support model can be well applied to consumers with different regret avoidance behaviours.