国内商业银行个人理财业务发展特点及趋势分析

近年来,随着我国商业银行改革的稳步推进和居民理财意识的日渐增强,个人理财业务逐步发展壮大,成为银行个人金融业务的重要组成部分。本文回顾整理了个人理财业务在我国发展的三个阶段及其特征,在此基础上,从发展方向、客户关系管理、理财产品开发、风险管理及服务质量提升等五个方面,对我国商业银行个人理财业务的发展趋势进行了展望。     

Integrated Conditional Moment testing of quantile regression models

In this paper we propose a consistent test of the linearity of quantile regression models, similar to the Integrated Conditional Moment (ICM) test of Bierens (1982) and Bierens and Ploberger (1997). This test requires re-estimation of the quantile regression model by minimizing the ICM test statistic with respect to the parameters. We apply this ICM test to examine the correctness of the functional form of three median regression wage equations.     

EXPLAINING RISING INEQUALITY: SKILL‐BIASED TECHNICAL CHANGE AND NORTH–SOUTH TRADE*

Abstract We review the ‘skill‐biased technological change (SBTC) versus North–South trade (NST)’ debate in order to explain widening wage inequality between skilled and unskilled workers. The traditional explanations based on exogenous SBTC and on the North–South Heckscher–Ohlin–Samuelson approach, as well as the early estimates that diagnosed a clear prevalence of the former, are firstly exposed and discussed. A presentation is then made of the recent theoretical literature that endogenizes SBTC, introduces new channels of impacts from NST, and combines both explanations. Finally, the current estimates show that (i) both explanations are relevant, (ii) their impacts differ according to industries and countries, (iii) outsourcing is the main vector of impact from NST and (iv) SBTC and NST interact.     

Challenges Facing the Foodservice Industry

Abstract

Restaurant managers and other foodservice operators are increasingly approaching researchers and land grant institutions to seek solutions for some of their problems. The capacity of research institutions to solve the problems of foodservice operators is limited by a lack of understanding of the issues and a lack of societal incentives to address such issues. This study reports the results of a university's efforts to better understand the problems facing the foodservice industry. As part of the study, the researchers conducted a focus group of industry leaders. The researchers end with an overview of problems facing the foodservice industry.     

Remedying "Unfair Acts": U.S. Pay Equity by Race and Gender

Case studies in Canada, Australia, and the U.S. have found that pay equity (or comparable worth) has reduced the gender-based wage gap substantially, and results of research on the gender composition of jobs have been used guiding pay equity implementation. But, in general, the racial composition jobs remains overlooked in the literature and in public policy. We extend previous work on eliminating the wage penalty of employment in female-dominated occupations to estimating the potential effect of adopting comparable worth to alleviate race- as well as gender-based wage discrimination. First we report the negative impact of racial-ethnic and female composition of jobs on pay in the U.S. Correcting for this form of wage discrimination, we find that implementing comparable worth would appreciably narrow the race- and gender-based wage gaps and significantly reduce the percent of workers earning poverty-level wages, especially among women of color. Close to 50 percent of women of color and 40 percent of white women currently earning less than the federal poverty threshold for a family of three would be lifted out of poverty. Second, we show that, in addition to the effects of occupational concentration, being a woman, an African-American, or a worker of Hispanic origin negatively and significantly affects pay. Not every type of wage discrimination is alleviated by a pay equity policy, which is why activists have also supported anti-discrimination and affirmative action policies for women and people of color.     

浅析现代物流管理的发展趋势与导向

随着我国社会主义现代化的发展与建设,社会主义市场经济体制的建立与实施,当今经济形势的日渐变化与纷繁复杂,世界朝经济一体化的趋势发展,且进程逐渐加快,当今世界科学技术的发展亦是突飞猛进。在这样的世界及国内经济状况下,物流管理产业在我国则逐步兴起,渐渐开始崭露头角,逐步成为我国国民经济中的一个新兴的产业部门,将会成为在本世纪里国民经济和重要产业的新的增长点。物流管理这项新兴产业将会在我国国民经济中占有广泛的发展空间,亦将会发挥其重要作用。     

当前改革形势下公路职工思想动态研究

文章分析新形势下交通系统职工思想动态存在的问题,提出解决交通系统职工思想动态问题,推动交通事业发展的对策建议。     

我国农业项目管理的发展趋势及对策

近年来我国农业项目管理发展很快,特别是一些大型项目,项目管理已经成为基本运作。随着大量具有项目管理意识和经验的人才逐渐以安全、效率和效益在农业管理中取得领导地位和项目管理在我国农业领域的广泛应用,我国农业项目管理的成就将会更加喜人。本文从研究我国农业项目管理的现状入手,简要分析了我国农业项目管理的国际化、信息化和多元化趋势,并提出应对措施,     

2010年4月国际金融市场运行综述

2010年4月,受美国经济复苏势头良好,主要评级机构下调希腊、葡萄牙和西班牙主权信用评级,市场避险情绪升温影响,美元对欧元走强,对英镑、日元基本走平。美元、欧元、英镑短期利率上升,日元短期利率微降。主要国家中长期国债收益率下降。美国主要股指振荡上涨,欧洲、亚洲主要股指总体下跌。     

我国林业产业发展现状、趋势和政策取向

介绍了我国林业产业的发展现状,指出林业产业的社会贡献率凸现,森林食品和药材、种苗花卉等新兴产业迅速崛起,产业集群逐步形成。分析了林业产业的发展趋势,认为我国林业产业由大变强的过程中,将呈现林区经济结构、资源配置方式、经济增长方式、发展模式等五大变化。建议在新的发展时期,林业政策取向应由利用林地、林区资源为主,转向利用人工林、提高木材综合利用率、推进林业市场主体的建立、培育壮大产业协会等。