网络银行发展的现状、问题及对策

网络银行是信息化时代银行业的新型产物,成本低,发展前景广阔.介绍我国网络银行的产生和发展历程,分析其发展现状和存在的问题,并提出相应的对策,旨在促进网络银行健康发展.     

蓝海战略对我国民营企业持续发展的启示

企业怎样才能持续生存并发展下去,这是我国大多数民营企业芨殛待解决的问题。而蓝海战略为民营企业创新的市场空间和企业发展空间,创造更加辉煌的业绩提供了可能。研究并实施蓝海战略对民营企业持续发展具有重要的现实意义。     

浅议德国的关系型融资

近年来,银行与企业之间的关系型融资在世界范围内得到广泛运用。在美、日、德等发达国家,关系型融资已成为企业外部融资的一条有效途径,并对企业的经营管理产生着重要的影响。本文总结分析了德国关系型融资模式的特点,希望能够对我国企业的外部融资有一定的指导意义。     

重庆市基本公共服务均等化发展状况实证研究

本文以国家统筹城乡综合配套改革试验区之一的重庆市为例,根据重庆40个区县2000-2010年十年间的统计数据,从公共教育、社会福利、医疗卫生和就业服务等方面建立了评价指标体系,得出了近10年来,尤其是2007年统筹城乡改革试点之后重庆市各区县间公共服务水平变异系数显著下降,即公共服务水平均等化程度不断提升的结论。同时本文还利用回归方法,分析了各项财政支出对重庆市各区县基本公共服务水平的影响程度,发现平衡社会福利、医疗卫生、就业服务三个方面的财政支出对于提升基本公共服务均等化水平有着显著的促进作用。     

浅谈我国公务员管理机构的完善

公务员管理机构的建立及完善是公务员制度的重要组成部分,它直接影响着公务员制度在一个国家的推行与发展。本文拟从我国公务员管理机构的历史发展及目前所面临的问题出发,探讨如何完善我国现有的公务员管理机构。     

湖南电信多媒体客服的SWOT分析

3G技术的出现和发展,既为客户提供了更多、更广、更便捷的通信业务和产品,与此同时又是以高速宽带多媒体通信为代表的全新技术手段,在一定程度上催生了3G时代电信企业客服中心的多媒体运营模式。本文利用SWOT分析法对湖南电信多媒体客服进行内、外部考察,分析其优势和劣势,探寻其机遇与威胁,进而明确湖南电信多媒体客服的核心竞争力,为湖南电信的快速稳定发展提供理论基础和现实依据。     

What to do with mushroom pickers in my forest? Policy tools from the landowners’ perspective

Wild mushroom picking is a growing recreational and commercial activity. In Spain, wild mushrooms legally belong to the landowner, who seldom benefits from trade in mushrooms or from their recreational value. Cultural aspects (tradition, picker-related harms) and economic aspects (costly forestry works, income opportunities) constitute elements of the debate on how to deal with mushroom picking. Through a survey of private forest owners in Catalonia (north-eastern Spain), this paper examines their experiences with mushroom pickers, the factors shaping their related policy preferences and their willingness to engage in mushroom reserves.The results show broad support for introducing mushroom picking norms. A regulation would allow outsider pickers to enter private land, but only under certain conditions, i.e. to comply with socio-ecological rules of the area. Among respondents who support the regulation, active land owners who report instances of picker-related harm (both tangible and intangible) tend to support the establishment of a fee system which could be reinvested into forest management. That is also the position of the respondents who perceive mushrooms as a private right, i.e. they believe to have a legitimate right to exclude outsider pickers and, eventually, to raise revenues from that asset. On the contrary, forest owners who conceive mushroom picking as a free-access activity prefer neither to regulate it nor to charge fees. The option to establish a mushroom picking reserve depends on the landholder being a fee-supporter and perceiving instances of harm. Harm, instead, is mainly determined by the perception of congestion of pickers, which in turn is determined by the mushroom productivity of their forest, their level of privacy protection and their involvement to the primary sector. These findings help policymakers to better understand the logic and sensitivities of forest owners in view of designing mushroom picking policies that can effectively solve picker-landowner conflicts.     

Service Quality Measurement and Triadic Interaction

Abstract

The authors recognise the importance of the service quality encounter and the critical roles played by three direct stakeholders: customers, front-line staff and operational managers, in the assessment of restaurant service quality. The paper therefore argues the merits of adopting a triadic perspective on restaurant service quality assessment and presents the details of a comparative analysis of stakeholder perceptions of service quality performance that was undertaken in three full-service restaurants in Manchester, U.K. The results showed that service providers tended to overrate the quality of service in full-service restaurants, if customer perceptions are used as the standard of comparison. Managers' ratings showed the least convergence with those of customers whilst there was a high degree of convergence between the perceptions of front-line service providers and customers on many of the dimensions. With the exception of the tangible dimension, there were statistically significant differences in service quality performance between the perceptions of stakeholders. Overall, the results have highlighted areas of particular concern and priority which require more in-depth research with qualitative methods; they therefore support the adoption of a triadic perspective in the assessment of restaurant service quality performance.     

中法银行保险发展的比较与经验借鉴

与法国银行保险相比较,我国银行保险在银行保险产品、保险利益分配、监管环境方面需要积极的借鉴,我国银行保险发展应该在组建金融控股公司模式,确立清晰的银行产品战略,构建银行,保险公司和客户三方利益分配模式,提供宽松的监管环境、推进一体化监管体系建设方面进行相应的变革。