对小微企业贷款“个人化”的风险控制问题探析--以吉林省吉林市为例

小微企业作为我国国民经济和社会发展的重要力量，在保持国民经济平稳快速发展方面发挥了重要作用。但一直以来，小微企业普遍存在贷款难问题。为解决小微企业贷款难的瓶颈障碍，部分小微企业采取通过“个人化”贷款方式获取融资的模式。本文以小微企业贷款“个人化”的主要特征和出现的背景为切入点，剖析小微企业“个人化”贷款产生的风险问题，进而提出风险控制的政策建议。     

Operating small tourism firms in rural destinations: A social representations approach to examining how small tourism firms cope with non-tourism induced changes

This study explores the representation that owners and managers of small tourism firms ascribe to their rural destination and how non-tourism induced changes interfere with this representation and motivate coping as guided by social representations theory. Semi-structured interviews were conducted with twenty-four owners and/or managers of at least one small accommodation property in Gloucester, New South Wales, Australia. The informants became involved in the area's accommodation sector primarily driven by the lifestyle goals embedded in their representation of Gloucester. The perception that mining-induced changes might transform Gloucester into a mining town as opposed to its current representation as a town with a mine has motivated many informants to cope. However, coping is impeded by feelings of powerlessness, perceived uncertainties, and distrust in both government and industry. The findings provide preliminary insight into why and how small tourism firm owners/managers cope when faced with change from the perspective of social representations.     

External linkages and product innovation in small manufacturing firms

The requirement for small firms to collaborate, as a means to supplementing and complementing limited internal resources, has dominated much of the academic and policy debate on regional development and small firm innovation throughout the late 1980s and 1990s. However, relatively little empirical work has sought to look further than simple frequency enumeration - noting that the most innovative and better performing firms are generally more likely to have links with external organizations. Based upon a sample of 228 small West Midlands' manufacturers, this study considers the source, function, geography and strength of innovation-related co-operation. While the general findings point to innovators making greater use of external linkages, of certain types and in particular directions (notably the preponderance of vertical value chain linkages), the results are less emphatic than might have been anticipated. This leads to consideration of the factors contributing to and impeding joint innovation and the firms' perceptions of the impact of innovation. From this, it appears that much of the observed difference between innovators and non-innovators lies in less objective measures. The data suggest the importance of inter-personal dynamics, attitude and expectations in facilitating successful collaboration.     

论新人才战略下中小企业如何留住人才

中央近期颁布的新纲要中把人才的重要性提到前所未有的高度,在中小企业的生存与发展过程中,人才起了至关重要的作用,如何留住人才成为中小企业经营者十分关心的问题。本文通过对中小企业人员流失的分析,比较系统地提出了在新人才战略下中小企业留住人才的策略。     

新疆中小民营企业核心竞争力的构建与培育

中小型民营企业只有培育核心竞争力，才能在日趋激烈的竞争中取得优势。本文分析了新疆中小民营企业核心竞争力的现状，针对其存在的问题提出了培育中小民营企业核心竞争力的途径。     

Real wage rigidities and optimal monetary policy in a small open economy

The main objective of the study is to provide a theoretical analysis of optimal monetary policy in a small open economy where households set real wage in a staggered fashion. The introduction of real wage rigidities plays a important role to resolve main shortcomings of the standard new Keynesian small open economy model. The main findings regarding the issue of monetary policy design can be summarized as three fold. First, the optimal policy is to seek to minimize variance of domestic price inflation, real wage inflation, and the output gap if both domestic price and real wage are sticky. Second, controlling CPI inflation directly or indirectly induces relatively large volatility in output gap and other inflations. Therefore, both CPI inflation-based Taylor rule and nominal wage-inflation based Taylor rule are suboptimal. Last, a policy that responds to a real wage inflation is most desirable.     

“小专题”教学在专业基础课程教学创新中的应用

"小专题"教学法是指授课教师可以依据教材内容体系,专门针对教材中的某一章节或某几个章节所涉及的内容设计出小型专题的教学方法。文中笔者提出了实施"小专题"教学法的主要优点,并从自身所从事的《国际贸易学》这一专业基础课程的教学出发,对"小专题"的教学形式、"小专题"的选择与确定、"小专题"的教学手段与"小专题"教学的考核方式提出了自己的设计思路。同时,笔者也强调了在"小专题"教学过程中需注意适度和教师仍需占据主导地位。     

小额贷款公司经营风险及防范

近年来,小额贷款公司迅速发展,已成为金融体系的重要组成部分,成为民间资本进入金融领域的一条重要通道。但是,蜂拥而起的小额贷款公司在发展中却出现了良莠不齐。本文详细地分析了目前小额贷款公司面临的经营风险,并提出针对性的防范对策。     

中小企业集合债券发行前期工作应注意的事项

本文从中小企业集合债券的含义谈起,先后阐述了中小企业集合债券的特点、发行意义、目前发行情况和发行前期工作应注意的事项,着重对发行前期工作应注意的事项进行了阐述。     

我国中小民营企业融资问题探讨

本文首先分析了导致我国中小民营企业融资困难的主要原因,然后针对问题提出引导民间资金进入实体经济、加快建立和完善地方信用担保体系等具体政策建议。