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41.
Bernard, He, Yan, and Zhou (Mathematical Finance, 25(1), 154–186) studied an optimal insurance design problem where an individual's preference is of the rank‐dependent utility (RDU) type, and show that in general an optimal contract covers both large and small losses. However, their results suffer from the unrealistic assumption that the random loss has no atom, as well as a problem of moral hazard that provides incentives for the insured to falsely report the actual loss. This paper addresses these setbacks by removing the nonatomic assumption, and by exogenously imposing the “incentive compatibility” constraint that both indemnity function and insured's retention function are increasing with respect to the loss. We characterize the optimal solutions via calculus of variations, and then apply the result to obtain explicitly expressed contracts for problems with Yaari's dual criterion and general RDU. Finally, we use numerical examples to compare the results between ours and Bernard et al. 相似文献
42.
There have been a number of previous studies that examined the effects of yield- or revenue-based crop insurance products on input use of farmers. However, no study has specifically investigated the input use impacts of a cost-of-production (COP) crop insurance policy, even though this type of crop insurance is the predominant one used in several other countries outside of the United States (such as the Philippines and China). This article aims to theoretically and empirically examine the effect of a COP crop insurance product on farmers’ chemical input use. Our theoretical model suggests that the effect of COP insurance on input use can either be positive or negative, with the resulting impact depending on the strengths of (a) the traditional moral hazard effect of insurance (i.e., an input use decreasing effect); versus (b) the marginal incentives to apply more inputs due to input levels being the main determinant for expected indemnity amounts in this type of insurance (i.e., an input use increasing effect). A survey data set from corn farmers in the Philippines is then used to empirically illustrate how a particular COP insurance product influences input use in a real-life context. In this case, we find that COP insurance increases the use of chemical inputs (e.g., fertilizers and total chemical expenditure), implying that the positive marginal incentive to apply more inputs dominates the negative moral hazard effect. 相似文献
43.
I propose an arbitrage-based theory of bubbles in economies with general portfolio constraints and differences in beliefs. I find that, in general, bubbles cannot exist unless the constraints restrict the demand for credit sufficiently to induce low interest rates. Speculation due to heterogeneous beliefs does not cause bubbles. Ruling out bubbles under asymmetric information requires stronger assumptions: the presence of some uninformed agents and mild portfolio restrictions (debt or borrowing constraints), or alternatively, the existence of some impatient and fully informed agents. 相似文献
44.
高等教育的根本任务是“立德树人”,辅导员是高等院校从事思想政治教育的中坚力量,是“立德”教育任务的重要执行者,大学生是思想不断发展的未完成个体,具有基本价值判断能力和较强的时代特征.“立德树人”教育任务的完成,需要高校认清辅导员和大学生的应然关系和实然关系的基础上和谐师生关系,才能从根本上完成德育任务. 相似文献
45.
教师职业道德是教师在从事教育活动中所应当遵循的道德规范和准则。加强教师职业道德建设,是实施素质教育的关键。本文就教师职业道德的特点、作用及提高教师职业道德的措施提出了一些建议。 相似文献
46.
47.
This study was designed to examine the determinants of and differences between the ethical beliefs of two groups of Japanese
students in religious and secular universities. Multiple regression analysis revealed that students of the Japanese religious
university perceived that young, male, relativistic, and opportunistic students tended to behave less ethically than did older,
female, and idealistic students. Students of the Japanese secular university perceived that male, achievement-oriented, and
opportunistic students tended to behave less ethically than did female and experience-oriented students. Opportunism was found
to be one of the most important determinants in explaining misconduct. Multivariate analysis of variance (MANOVA) and multiple
discriminant analysis (MDA) revealed that students of the Japanese secular university tended to score higher on achievement
and humanism, and lower on theism and positivism than did students of the Japanese religious university. In addition, students
of the Japanese secular university were somewhat more sensitive to academic dishonesty practices than were students of the
Japanese religious university. 相似文献
48.
随着我国金融开放的深度和广度的不断提高,旧有风险进一步暴露,新的风险进一步产生。我国经济受全球经济波动的影响越来越大,发生金融危机的可能性也在增大。由于金融危机的最大特征就是货币的急剧贬值,关于货币危机的研究也最为成熟,目前已形成四代理论模型。而银行业危机理论和外债危机理论的研究比较分散,还没有形成像货币危机理论那样完善的体系。 相似文献
49.
徐新华 《安徽工业大学学报(社会科学版)》2007,24(3):152-153
社会主义荣辱观作为新的道德价值评判标准,以丰富的思想内涵,对大学生的思想道德教育有着重要的引领作用。高校要把社会主义荣辱观教育纳入大学生思想政治教育的全过程。 相似文献
50.
由于社会转型、学校教育的缺陷及家庭影响,当代大学生在思想政治、道德素质、心理素质方面出现一些问题.大学生思想道德教育的根本途径在于回归现实生活,即注重联系现实生活教育、培养道德情感、引导思想道德能力的提高. 相似文献