Influence of negative age stereotypes and anti‐aging needs on older consumers’ consumption‐coping behaviours: A qualitative study in South Korea

The number of older people in South Korea is growing dramatically, and the socio‐psychological needs of these people have begun to change from those of elderly people in the previous Confucian culture. The anti‐aging industry is popular among older South Korean consumers, and the Korean mass media have begun to broadcast new images of older people. The purpose of this research was to explore older Korean people's anti‐aging needs by examining their consumption‐related thoughts and behaviours in daily life. A theoretical framework is formulated to organize the coping processes and psychological mechanisms used by older Koreans to meet their anti‐aging needs. A total of 25 older Korean consumers were interviewed, and the qualitative data are analysed to determine the main causes and, attributes of, and reactions to their anti‐aging needs. The analysis of the in‐depth‐interviews shows that the older consumers’ negative age stereotypes act as a stressor and that their need for anti‐aging products is a defensive reaction. It is also found that older Korean consumers change their consumption behaviours to cope with negative age stereotypes and to satisfy their anti‐aging needs, and two types of coping behaviours (problem‐focused and emotion‐focused) are revealed. The results of this study contribute to the academic explanations of the anti‐aging phenomenon among older Koreans and enhance understanding of the perspectives of older Eastern consumers by revealing the existence of their anti‐aging needs.     

Green tea quality attributes: a cross-cultural study of consumer perceptions using importance–performance analysis (IPA)

This study examined consumer perceptions about green tea quality attributes and consumers’ green tea consumption behavior within major green tea-producing and consuming countries including China, Japan, and Korea. Five factors of green tea quality attributes were revealed through the exploratory factor analysis and were analyzed using importance–performance analysis (IPA). Safety, health, and sensory factors perceived by Chinese consumers as being important and well-performed were positioned in the “Keep Up the Good Work” quadrant. Safety and sensory factors were perceived by Japanese and Koreans as being important, but were less-performed and were placed in the “Concentrate Here” quadrant. Japanese and Koreans considered the health factor as less important and less well-performed and were positioned in the “Low Priority” quadrant. The price/utility and production factors were less important by all consumers. Chinese consumers perceived all five factors as performing very well. However, Japanese and Koreans perceived other factors as performing less acceptable except for the production factor for Korean respondents and the price/utility factor for those Japanese respondents. The production factor was the most influential for drinking frequency and spending for green tea in all three countries, also for the amount purchased by Chinese and Japanese consumers.     

基于Carrot2聚类的垂直搜索引擎的研究与实现

给出了一个基于Nutch的垂直搜索引擎系统的实现,主要探讨了基于Lucene和Carrot2的信息检索与聚类的实现,并对分词、垂直信息采集等的实现进行了说明。     

金融消费者权益保护：市场失灵与政府介入

目前,我国金融消费者保护存在一些困境。市场在一定程度上可以为金融消费者提供相应保护,但是由于信息不完全、垄断性市场、搭便车以及外部性等问题,易造成市场失灵。政府介入在一定程度上可以弥补市场失灵,为金融消费者的权益提供有效保护。但是由于政府经纪人、执行不力以及腐败寻租等行为的存在,也极易导致政府失灵。因此政府介入金融消费者权益保护的同时需要注意政府失灵的防范。     

客户风险评级管理研究与应用——基于证券CRM管理

在客户关系管理理论的基础上,建立了包含14个行业特色指标的证券业多维细分模型,并结合K-means聚类算法和商务智能技术,提出基于K-means聚类方法的中国证券业客户风险评级管理模型,并结合具体案例,对厦门某证券公司的具体客户信息进行了实证研究,有效的识别出了具有不同该特征以及风险偏好的客户群,证券公司可以据此推出个性化营销策略。     

Generating consumer insights into physical activity patterns for three different segments

Segmentation theory has been suggested as an effective way to target social marketing programmes to meet different needs of different subgroups in order to achieve behaviour change more effectively. The aims of this research were two fold. First, to identify whether distinct physical activity consumer segments existed among an urban population sample and second, to observe how physical activity levels changed over a one-year period. A two-step cluster analysis was used to identify homogenous subgroups in the study population. Next, repeated measures ANOVA, with post hoc group analysis, was conducted to examine changes in physical activity over time and to determine if there was a significant difference between the identified segments. Three segments were identified at baseline: female positivists, active males and young and motivated. Findings indicate that physical activity changed over time for the better in all three segments with positive changes observed both in terms of the number of physical activity sessions and time spent on physical activity for exercise, recreation or sport in the past seven days. Implications for future research and practice are outlined.     

商品属性视角下的现代服务业发展——基于商品属性分割与组合理论的分析

商品、服务乃至生产是包含满足人类需求的多种属性的组合。随着经济发展与社会进步可以对这些属性进行分割、组合。新经济条件下消费行为更加个性化,消费者希望在消费产品物质属性的过程中能得到精神层面的满足,希望得到更多的体验和感受。因而通过商品属性的分割、组合发展现代服务业成为可能,在新经济条件下成为现实。发展现代服务业可以对商品的属性进行分割,也可以通过组合其他属性增加某种商品的属性。利用商品属性的分割、组合发展现代服务业时要突出消费者的参与意识、增加各种体验和感受、增加服务的文化内涵。     

金融机构基于风险的反洗钱机制探讨

金融机构的洗钱风险分为内部风险和外部风险。内部风险决定于法律规制和控制体系，它集中体现为制度风险；外部风险包括产品／服务风险、客户风险、地理风险，它聚焦于账户。通过回顾反洗钱方法的历史演变过程，本文提出了金融机构基于风险细分与风险评估的洗钱风险管理两阶段模型。     

消费契约的双重特性与大企业危机

消费契约具有长期契约特征，不但企业对消费者的购买激励具备投资特征，消费者也会在购买过程中形成专用性资产。通过转移成本壁垒，企业和消费者被封闭在一种双边的长期契约关系当中，这种关系造成了消费契约的相对稳定性。但同时由于契约的不完全性，一旦消费者预期专用性资产变为沉没成本，潜在消费者将转投其他企业，造成企业的迅速倒闭。如果大企业不能采取有效措施，小的失误可能会演变成大的危机；由于大企业存在着危机的外部性．因此需要相应的公共政策。