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1.
In this study, we analyze the costs incurred by French commercial banks and savings institutions. One of the main distinctions between these two types of financial entities concerns management costs, which are higher for commercial bank demand deposits than for the savings institutions' tax-free livret A passbook accounts. Taking this differential into consideration by constructing separate models based on different principles, we find that the average overall and operating costs of the savings institutions are half those of commercial banks. As regards operating costs, small savings institutions enjoy a significant cost advantage over small commercial banks, but this cost advantage is smaller when one compares the performance of large savings institutions to the large banks. The results of our econometric estimates suggest a possible explanation, as we find increasing returns to scale for the banks and diminishing returns for the savings institutions. The value of the returns-to-scope parameter at the mean point appears to indicate a complementarity between certain pairs of outputs. Therefore, ouptut diversification appears to have a positive impact on cost levels for both savings institutions and commercial banks; while institution size, measured by the total assets, has a different impact in these two industries. 相似文献
2.
The usefulness of demographic and attitudinal variables in profiling time donors and nondonors is examined. Time volunteers
emerge as similar in profile to money and anatomical-parts donors. From this, implications are derived for increasing time
donation by volunteer organizations. 相似文献
3.
Ugur Yavas Ph.D. Glen Riecken Ph.D. Ravi Parameswaran Ph.D. 《Journal of the Academy of Marketing Science》1981,9(1-2):52-65
It should be noted that due to the composition of the sample, the specific findings of this study are not intended to be generalized
to the population. The results of the discriminant analysis, nevertheless, provide some evidence that socioeconomic variables
are more efficient than both organization-specific attitudes and personality variables in discriminating donors and nondonors.
The analyses also show that personality variables used in this study do not contribute to a separation of nondonor/donor groups.
Ford Motor Company
The authors gratefully acknowledge the research support of University Research Committee, Ball State University in this study. 相似文献
4.
Ugur Cagli 《Journal of Business Research》1984,12(3):309-318
Potential problems with the conventional nested model comparison procedure in the structural equation models context are discussed. It is argued that fixing parameter values might lead to creation of different unobservables in the nested model. A number of alternative ways of conducting model comparisons are reviewed and applied in a marketing example. 相似文献
5.
In recent public administration literature, much attention is paid to changes in public service values, including ethical
values, that guide public service. This paper reports on the results of an empirical survey conducted among a group of Turkish
governors and district governors (including those in service and retired) who are from different generations. By focusing
on the transformation of value preferences of Turkish governors and district governors, this study tries to identify variations
in values, particularly about public service ethics, in accordance with the age and the length of tenure in public service.
The findings of the research show a traditional and more or less consistent value pattern for Turkish governors and district
governors. The most important public service values expressed by the respondents are consistent with often-mentioned crucial
public service values in the literature. New or emerging values have not been present enough among the most important public
service values. In brief, the results do not lend support to the often-assumed hypothesis that traditional public service
values are devaluated or degraded by the emergence of businesslike values. In other words, new emerging values could not sneak
into the public service culture in any convincing manner in spite of many years of NPM rhetoric and recipes. 相似文献
6.
Regulatory restrictions on advertising by professional groups have changed dramatically in recent years. Despite the waning of restrictions, tradition has prevented practitioners from embracing the use of advertising. This article reports results of a survey of 200 medical professionals' attitudes towards advertising. After discussing the implications of the findings, the authors suggest some future research directions. 相似文献
7.
Ugur Lel 《Journal of Corporate Finance》2012,18(2):221-237
This paper examines the impact of the strength of governance on firms' use of currency derivatives. Using a sample of firms from 30 countries over the period 1990 to 1999, we find that strongly governed firms tend to use derivatives to hedge currency exposure and overcome costly external financing. On the other hand, weakly governed firms appear to use derivatives mostly for managerial reasons. These results are robust to alternative measures of corporate governance, various subsamples, the use of foreign denominated debt as an alternative strategy to hedge currency exposure, and a potential selection bias. Overall, the results serve as the first comprehensive evidence of the impact of firm- and country-level corporate governance on firms' use of derivatives. 相似文献
8.
An unsettling economic future coupled with changes in social values indicate that preowned merchandise buying will become increasingly evident. Consumers face the prospects of inflation, unemployment, and shortages, while social values are shifting away from disregard of resource usage by the disposable society. Buying preowned merchandise is a solution to coping with the environmental changes. Although institutions selling used merchandise, like other retailers, require factual information to design effective marketing strategies, this remains a neglected retailing phenomenon.The purpose of this study was to gain insights concerning several aspects of preowned merchandise buying using Goodwill Industries as a case in point. Data were collected to provide demographic profiles of heavy, medium, and light shoppers and nonshoppers, the information sources effective in inculcating awareness, basic patronage motives of heavy, medium, and light shoppers, and various buying behavior patterns of the four groups. The latter included shopping at Goodwill versus other institutions selling used merchandise, future shopping plans at Goodwill, overall attitude toward used merchandise, and the types of preowned merchandise they would be willing to purchase.Telephone interviews were made with a randomly selected sample of household representatives living in a midwestern standard metropolitan statistical area (SMSA) with a population of 85,000. The 336 respondents (97.5% of the sample) who were aware of Goodwill formed the initial data base from which 320 usable questionnaires were obtained. A composite shopping volume index was used to differentiate light, medium, and heavy shoppers as well as nonshoppers.Results from the study show that some differences exist between the groups in terms of demographics, information sources, and patronage motives as well as part and anticipated shopping behavior. Several implications are suggested for Goodwill in particular and similar organizations in general. 相似文献
9.
This article examines the transfer of management knowhow to developing countries through managers who undertake a graduate program in business at an advanced country. Based upon a study of 67 Turkish managers, all of whom received a master's degree in business in the United States, the article addresses three issues: What are the differences in the local applicability of various management skills (including marketing) which were acquired in an advanced country? What company and individual manager characteristics are associated with the local application of these management skills? What principal factors impede the transfer of management knowhow to an indigeneous organization? 相似文献
10.
We examine the first significant deregulation of U.S. disclosure requirements since the passage of the 1933/1934 Exchange and Securities Acts: the 2007 Securities and Exchange Commission (SEC) Rule 12h-6. Rule 12h-6 has made it easier for foreign firms to deregister with the SEC and thereby terminate their U.S. disclosure obligations. We show that the market reacted negatively to the announcement by the SEC that firms from countries with weak disclosure and governance regimes could more easily opt out of the stringent U.S. reporting and legal environment. We also find that since the rule's passage, an unprecedented number of firms have deregistered, and these firms often had been previous targets of U.S. class action securities lawsuits or SEC enforcement actions. Our findings suggest that shareholders of non-U.S firms place significant value on U.S. securities regulations, especially when the home country investor protections are weak. 相似文献