基于SECI模型的知识创造与金融产品创新机制研究

金融产品创新是商业银行保持竞争优势、顺利实现转型、参与国际竞争的必要条件。本文在对知识创造过程、金融产品创新影响因素以及知识管理技术等相关研究进行系统梳理,选择Nonaka的SECI知识创造模型作为重要理论基础,探索知识创造过程和知识管理系统对商业银行金融产品创新能力的影响机制,分析了知识创造过程中的社会化、外化综合化和内化四个维度在商业银行中的具体活动和特征,通过影响银行的流程和业务行为,从而对金融产品创新能力提升产生积极的推动作用。同时,系统分析商业银行中知识管理系统对知识创造过程上述四个维度有直接的支撑作用,同时会利用知识创造过程会间接的影响金融创新能力提升。另外,知识管理系统也会对商业银行的金融创新能力有直接的支撑作用,从知识管理视角分析完善商业银行产品创新理论,为商业银行创新能力提升提供理论指导和实践参考。     

基于传统水乡农业文化的现代旅游区景观分析

在斗门灯笼水乡的设计中,综合利用并深度挖掘斗门区内水乡农业文化资源内涵,弘扬水乡农业文化,将乡土农业景观文化与人工景观有机生态结合,这种基于传统水乡农业文化的现代旅游区景观,将民俗文化作为农业景观的底蕴,开阔出乡土农业文化的现代旅游区新景观。     

糙木家居产品初探

简约环保已成为当今家居设计的潮流。糙木作为低碳、环保、生态、自然的原材料正好符合这一主题。分析了其产品特征及糙木家居产品艺术形态塑造的基本方法和糙木在家居产品设计中的广泛应用。为糙木家具相关设计与理论研究提供相应借鉴。     

安徽农地承包经营权规模化流转调查与思考

近年来,安徽省农地承包经营权流转面积稳步增加,规模逐渐加大,对促进农业增产和农业现代化效果显著,对农民增收和工业化、城市化发展也有积极影响。农地规模化流转及经营完善了农业家庭承包的经营结构,在发展现代农业中可以与农户经营互荣共存。促进农地规模化流转要注意保护农民土地承包权益,与农村剩余劳动力转移相结合。     

低碳时代下湖南省旅游饭店绿色企业文化的构建

旅游饭店是一个高消费场所,需要耗费大量能源,并产生大量废弃物.在低碳经济背景下,饭店构建绿色企业文化是时代所需,是一种对社会责任的响应,也是饭店可持续发展的需要.旅游饭店构建绿色企业文化必须从建设绿色制度文化、建设绿色精神文化和建设绿色物质文化三个方面实现.     

普惠金融视角下农村国债市场发展研究--基于对河南省平顶山市农村国债发行情况的调查与分析

被誉为“金边债券”的国债相对于其他金融理财产品,具有安全性高、流动性强、收益稳定、投资起点低等优点,对拓展农民投资渠道、提高农民收入具有积极意义。但目前国债发行市场城乡发展不平衡,主要集中于城市,农村地区国债市场缺位、发行量相对较少,与农村地区国债购买意愿、购买力不相匹配,出现严重的供求矛盾,不利于国债市场的长期健康、稳定发展。因此,研究解决农村居民“购债难”问题,让更多农民充分享受国家惠民政策带来的温暖,具有重要的现实意义。     

Analysis of the Awareness of Green Products in the City of Kolkata

ABSTRACT

In this study, the author analyzed the awareness of the people regarding green products. Green products are available from the retail market. A questionnaire survey was conducted of people in three different places in Kolkata, India. The questionnaire contained “yes/no” answers, and a ranking of the questions were modified for the different venues. Ranking was done by using the coefficient of variation method. Because of the variation in the answers, the central tendency of the feedback changed the questions. The survey was administered to 315 people from each area. After statistical quantification of the feedback from the survey questionnaire, using Spearman's correlation coefficient, the variability was tested, to identify the true comments of the people. It was found that the North Kolkata people from the Shyambazar area are most aware of green products.     

The role of customer loyalty as a brand extension purchase predictor

The paper explores the relationship between customer loyalty to the retail brand and the purchase of non-traditional products and services (NTPS) offered by grocery retailers with their private label (i.e. over-the-counter products, photo printing, mobile communication services and travel booking). Customer loyalty to the retail brand is measured through its behavioral and attitudinal components. A survey was conducted administering a questionnaire to 480 retail customers in two stores belonging to different retail grocers. A binary logistic regression was then applied using the buying of at least one NTPS as the dependent variable (1 = buy; 0 = no buy) and behavioral loyalty and attitudinal loyalty as independent variables. Results show that attitudinal loyalty plays a significant role as buying predictor, but this depends on the NTPS offered. Theoretical and managerial implications are derived.     

When Out-of-Stock Products DO Backfire: Managing Disclosure Time and Justification Wording

We investigate how stock-outs influence decision satisfaction and repatronage intentions for online purchase situations and how these responses vary with disclosure time and justification wording. We manipulate the disclosure time of the products’ unavailability (ex ante vs. ex post) and the justification given to consumers (firm-related vs. firm-unrelated). We find that, overall, stock-outs produce negative reactions, but that the main effects of timing and wording can sum up: ex ante, firm-related communication effectively offsets the damage caused by stock-outs. Retailers should employ real-time tracking to promptly inform consumers of product availability, and accept the responsibility for any outages.     

Matched analysis of parent’s and children’s attitudes and practices towards motor vehicle and bicycle safety: an important information gap

The purpose of this study was to compare parents’ and children’s attitudes and habits towards use of bicycle helmets and car seat belts. We hypothesized that parental perception of their children’s safety practices did not reflect actual behavior and further, that parental practices, rather than their beliefs about a particular safety practice, have a greater affect on their child’s risk-taking behavior. The study population consisted of children in grades four and five and their parents/guardians. Participation in the cross-sectional study was voluntary and confidential anonymous questionnaires were used. In separate and independent surveys, children and parents were questioned in parallel about their knowledge, habits and attitudes toward bicycle helmet use and car safety practices. In the study, 731 students participated with 329 matched child-parent pairs. Ninety-five percent of the children own bicycles and 88% have helmets. Seventy percent of parents report their child always wears a helmet, while only 51% of children report always wearing one (p < 0.05). One-fifth of the children never wear a helmet, whereas parents think only 4% of their children never use one (p < 0.05). Parents report their children wear seat belts 92% of the time while 30% of children report not wearing one. Thirty-eight percent of children ride bicycles with their parents and wear their helmets more often than those who do not ride with their parents (p < 0.05). Parents who always wear a seat belt are more likely to have children who sit in the back seat and wear a seat belt (p < 0.05). Parents’ perceptions of their children’s safety practices may not be accurate and their actions do affect their children’s. Injury prevention programs that target both parents and children may have a greater impact on reducing risk-taking behaviors than working with each group in isolation.