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1.
Recently, German insurers are becoming increasingly interested in assessing and modelling risks related to new business and lapses. The final report of a DAV (German actuarial association) working party on stochastic models for German life insurance companies, released end of 2005, includes some basic approaches for this purpose. However, so far no systematic empirical research has been carried out which provides evidence for an appropriate calibration of such models. This article contributes to closing the gap. It presents the main results of an empirical analysis on the influence of policyholders’ profit participation on new business and lapses based on data about 87 German life insurance companies from 1995—2004. Analyses of regression and correlation were performed for various definitions of the explanatory variable ?profit participation“ (more precisely: the spread to some average value) and with diverse reference parameters for new business and lapses, also considering different types of life insurance. Ultimately, the exploration scarcely yielded evidence for a significant general correlation between policyholders’ profit participation and new business or lapses. However, because of the individuality of life insurance business such an evaluation of historical data can certainly only be regarded as a building block for the overall picture, as is also explained in the paper in some more detail. 相似文献
2.
This paper introduces to the field of marketing a regret-based discrete choice model for the analysis of multi-attribute consumer choices from multinomial choice sets. This random regret minimization (RRM) model, which has recently been introduced in the field of transport, forms a regret-based counterpart of the canonical random utility maximization (RUM) paradigm. This paper assesses empirical results based on 43 comparisons reported in peer-reviewed journal articles and book chapters, with the aim of finding out to what extent, when, and how RRM can form a viable addition to the consumer choice modeler's toolkit. The paper shows that RRM and hybrid RRM–RUM models outperform RUM counterparts in a majority of cases, in terms of model fit and predictive ability. Although differences in performance are quite small, the two paradigms often result in markedly different managerial implications due to considerable differences in, for example, market share forecasts. 相似文献
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Edmund Goh Birgit Muskat Adrian Heng Tsai Tan 《Journal of Teaching in Travel & Tourism》2017,17(4):237-253
This study explored tertiary hospitality students’ attitudes and overall perceptions about green and sustainable practices; and how these may impact their future career paths in the hotel industry. A thematic analysis with data from 12 semi-structured interviews with students in a hotel management school in Australia was used to identify patterns and interpretive themes. Results revealed positive attitudes among Generation Y hospitality students towards working in a green and sustainable hotel environment. Implications highlight the need for sustainability education in the curriculum of tertiary education providers and strong emphasis on sustainability practices in employee training programs. The results also suggest possible impacts of sustainability practices in recruiting and hiring in the hospitality industry and how this may affect future hospitality employees and leaders. 相似文献
5.
Birgit Benkhoff 《International Journal of Human Resource Management》2013,24(3):736-752
The paper is an attempt to explain why some organizations are more competitive than others in terms of their human resources. It establishes under what circumstances some employees exert extra effort beyond the level required to keep their job and to get promotion by exploring the role of motivational forces that may complement the calculative considerations as suggested by expectancy theory. In a multivariate analysis proxies for five motivational mechanisms were tested, based on need theory, positive work disposition, intrinsic motivation, behavioural commitment as implied by organizational roles and social exchange theory. It emerged that all of them make their own contribution to the explanation of extra work effort. 相似文献
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Birgit Wagner 《Wirtschaftsdienst》2011,91(12):855-857
Durch die demographische Entwicklung nimmt der Anteil der ?lteren Arbeitskr?fte stetig zu, w?hrend das Erwerbspersonenpotenzial
insgesamt langfristig sinkt. Die Unternehmer müssen daher immer mehr ?ltere Arbeitnehmer neu einstellen. Hier k?nnte es aufgrund
verschiedener Anforderungen zu Problemen kommen. Die Autorin untersucht die Besch?ftigungschancen ?lterer beispielhaft in
sechs hessischen Regionen. 相似文献
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Ohne Zusammenfassung 相似文献
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Summary. General equilibrium models of oligopolistic competition give rise to relative prices only without determining the price level.
It is well known that the choice of a numéraire or, more generally, of a normalization rule converting relative prices into
absolute prices entails drastic consequences for the resulting set of Nash equilibria when firms are assumed to maximize profits.
This is due to the fact that changing the price normalization amounts to altering the objective functions of the firms. Clearly,
the objective of a firm must not be based on price normalization rules void of any economic content. In this paper we propose
a definition of the objective of a firm, called maximization of shareholders' real wealth, which takes shareholders' demand
explicitly into account. This objective depends on relative prices only. Real wealth maxima are shown to exist under certain
conditions. Moreover, we consider an oligopolistic market and prove the existence of a Nash equilibrium in which each firm
maximizes the real wealth of its shareholders.
Received: July 10, 1997; revised version: July 27, 1998 相似文献