完善农村信用社小额信贷市场营销策略的思考

农村信用社作为农村金融改革中推广小额贷款的主力军,对于促进农业结构调整和农民增收,改善农村信用环境,发展地方经济起到了积极的作用。为进一步完善农村信用社小额信贷市场,其营销策略是:加强队伍建设,提升营销水平;强化奖惩激励,促进积极作为;创新服务品牌,赢得客户青睐;细分市场客户,区别贷款价格;实施诚信战略,优化营销环境。     

新型农村金融组织与县域经济协同发展研究

从当前发展现状来看,新型农村金融组织与县域经济未能互生互长,协同发展.在此情形下,建立新型农村金融组织与县域经济协同发展机制对推进两者互动发展有着重要的实践指导意义.在对新型农村金融组织与县域经济协同发展概述的基础上,分析两者协同发展要素,探讨两者协同发展的一般模式,深入研究两者协同的理想模式——门槛条件下新型金融组织深化的内生增长模型,并制定出两者协同发展路径.     

Synergizing independent and cooperative R&D activities: the effects of organisational slack and absorptive capacity

Firms undertaking independent and cooperative research and development (R&D) activities simultaneously often have difficulties to realise their synergistic effects. This study contends that such difficulties are caused by tensions between two types of R&D activities in terms of resource competition and knowledge leakage. Moreover, organisational slack and absorptive capacity may affect these tensions and thereby play important role in synergizing independent and cooperative R&D activities. Based on a survey data of 286 firms, this study finds that such two types of R&D activities jointly have a negative impact on firm performance. Furthermore, organisational slack aids in synergizing them, while absorptive capacity has an adverse impact. These findings enrich our knowledge on the interrelation of independent and cooperative R&D activities and shed light on how firms can synergize them.     

Quantifying and understanding land cover changes by large and small oil palm expansion regimes in the Peruvian Amazon

With rapid increases in global food demand and production, oil palm expansion constitutes a major emerging challenge for forest conservation in Amazonia and other tropical forest regions. This threat is evident in the Peruvian Amazon, where local and national incentives for oil palm cultivation along with growing large-scale investments translate into accelerated oil palm expansion. Environmental sustainability of oil palm cultivation in the Peruvian Amazon is contingent on policy incentives for expansion onto already-cleared lands instead of biodiverse, high carbon primary rainforests. Previous research indicates that while industrial plantations use less land area than local smallholders, companies have a higher tendency to expand into primary rainforests. However, the motivations behind these differing expansion scenarios remain unclear. In this study we combine data from optical and radar satellite sensors with training information, field discussions, and review of public documents to examine the policy incentives and spatial patterns associated with oil palm expansion by smallholders and industries in one of Peru’s most rapidly changing Amazonian landscapes: the Ucayali region of the city of Pucallpa. Based on our satellite-based land cover change analysis, we found that between 2010 and 2016, smallholders utilized 21,070 ha more land area for oil palm than industries but industrial expansion occurred predominantly in old growth forests (70%) in contrast to degraded lands for smallholders (56%). Our analysis of national policies related to oil palm expansion reveal policy loopholes associated with Peru’s “best land use” classification system that allow for standing forests to undergo large-scale agricultural development with little government oversight. We conclude that both sectors will need careful, real-time monitoring and government engagement to reduce old-growth forest loss and develop successful strategies for mitigating future environmental impacts of oil palm expansion.     

一种SAR与可见光图像压缩感知融合增强方法

针对机载多传感器成像战场态势感知的问题，提出了一种合成孔径雷达(Synthetic Aperture Radar，SAR)与可见光图像压缩感知融合增强方法。该方法首先对SAR与可见光图像分别进行压缩感知测量，得到压缩测量值，然后通过基于局部权值的融合方法实现对压缩测量值的融合，再利用有序度最优分割法提取SAR图像的强散射目标，最后对融合测量值重建得到初步融合图像，初步融合图像通过目标对比度增强得到最终融合图像。对多组图像进行了仿真分析，视觉及数值结果表明该方法能显著增强融合图像的目标对比度，提升了图像纹理清晰度，较大程度降低了图像融合过程中的数据计算量。     

Remote sensing-based detection of agricultural land losses around Greater Cairo since the Egyptian revolution of 2011

Over the last four decades, the loss of agricultural land has been observed in Egypt at high rates. However, the highest rates of losses have occurred since the January 25th revolution in 2011. Greater Cairo (GC), which is the largest metropolitan in Egypt, has witnessed a massive loss of agricultural land since the 2011 revolution. However, until now, no study or official report has revealed the volume of agricultural land losses in this region. This study quantifies agricultural land losses around the GC using Landsat satellite images from 2010 and 2018. Supervised classification was performed using the maximum likelihood algorithm in QGIS software. A post-classification comparison method was applied to detect the land use/land cover changes between the classified images; then, the loss of agricultural land was quantified using Arc GIS software. Visualizations of the gains and losses in agricultural land and the spatial trends of agricultural land losses were created using TerrSet software. The results show that 9600 ha of agricultural land were converted to urban use during 2010–2018, which means that the annual rate of agricultural land loss has tripled and now reaches approximately 1200 ha per year. Decay of executive authority, rapid population growth, real estate market speculation and fragmentation of agricultural land were the main driving factors of agricultural land losses during this period. The results of this research may help decision makers understand the current high rate of agricultural land loss. Hence, appropriate strategies may be adopted to prevent future losses of this valuable land.     

将“合伙人制”融入“合作制”的一项尝试——基于MGL合作社的案例解读与探讨

当前,合作社异化已成为阻碍合作社进一步发展的痛点,其中"合作制"下社员剩余索取权和控制权的丧失是矛盾核心,因而探求其改进方式对合作社长远发展、实现乡村振兴有重要意义。本文基于效率与公平衡量维度,通过对MGL合作社这一典型案例进行剖析发现,有效的合作社在治理结构和利益分配上具备"合伙人制"特征,并且基本契合不完全契约理论有关能够有效解决契约双方信息不对称以及剩余索取权、控制权被少数社员占有的论述。对此,应充分重视合伙人制在合作社发展中的内在有效性,弱化其是否具有规范的外在形式。     

农村集体经济组织与农民专业合作社协同扶贫模式创新:重庆例证

农村集体经济组织和农民专业合作社是与农民联系较为紧密的两类经济组织,是贫困地区打赢脱贫攻坚战的重要内生性力量。但在实践中,受农村集体经济组织市场主体地位不明确、承担市场经营风险能力弱及农民专业合作社总体规模偏小、脱贫带动力不强等因素影响,两类主体的扶贫作用都未能得到充分发挥。重庆市城口县是国家扶贫开发工作重点县,在近年来的脱贫攻坚中,一方面普遍性地成立了新型农村集体经济组织,作为承接相关政府部门扶贫资源、开展村集体资产运营管理的平台;另一方面通过平等协商将村集体经济组织承接的扶贫资源以入股方式投入当地运行规范、实力较强的农民专业合作社,以获取相对稳定的分红收益,并优先用于增加贫困户收入。该模式既为村“两委”参与市场活动和承接政府扶贫资源提供了有效载体,又较好地保证了农民专业合作社等市场主体的经营自主权,有利于构建激励兼容、多方共赢的长效扶贫机制,是有镜鉴价值的扶贫模式创新。     

RETURNS TO DEBT AND EQUITY IN FARM PRODUCER ORGANIZATIONS

While the capital structure irrelevance proposition is the point of departure in corporate finance, it is unknown if debt‐or‐equity decisions matter to farm producer organizations. To inform decisions of capital acquisition, a panel study is conducted to estimate the relationships of different types of debt (current, long‐term) and equity (allocated, unallocated) to the financial performance of 707 farm producer organizations in the United States during the 2005–2011 period. Using 3,120 observations, the panel analysis indicates net sales in period t is increased by $1.97, $9.59, and $4.01 with an addition of $1 in current debt, allocated equity, or unallocated equity in period t_‐1. Furthermore, the magnitude of the positive relationship of an additional dollar of allocated (unallocated) equity to net income is estimated at $0.32 ($0.14). We thus reject the notion managers and directors of farm producer organizations should decide to use debt or equity with a coin toss.     

Urban Sensing by Crowdsourcing: Analysing Urban Trip behaviour in Zurich

The research on which this essay is based sought to provide a deeper understanding of live urban activities. The main idea was to obtain in‐depth trip information by integrating sensing technology with crowdsourcing‐based methods. Location and acceleration sensors embedded in smartphones can deliver useful trip information. Research had previously been conducted to find an accurate data analysis algorithm for high‐level data mining, an efficient sensing method for power saving. As a proof of concept, this essay presents a case study of Zurich that successfully implemented previous research achievements in the real environment. It established that urban travel behaviour can, in fact, be collected by sensors embedded in mobile devices, and that the data thus obtained can be used to measure the characteristics of trip behaviour in cities by means of an advanced classifying algorithm and analysis. The strength of this research is its pioneering role in clearing the ground for future urban data collection methods and planning strategies. Specifically, this study could provide answers to the following key questions: How can crowdsourcing be applied to the collection of urban transportation data? What kinds of information can be extracted from the crowdsourced mobile sensing platform? What kinds of knowledge, within the transportation domain, can be derived from the above?