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排序方式: 共有138条查询结果,搜索用时 15 毫秒
1.
This study evaluates the impact of an automated reminder program designed to help credit counseling consumers manage their payment obligations and financial goals. Credit counseling consumers were randomly assigned to receive reminders linked to their financial goals and payment obligations for one year after an initial credit counseling session. We find that consumers offered reminders were 21% less likely than the control to experience severe (60+ day) payment delinquencies and were 12% less likely to experience a 30+ day delinquency. At the same time, these consumers saw a 10.5 point increase in credit scores relative to the control group. There were no significant impacts on total credit card balances or installment debt levels. This analysis provides promising evidence that automated reminders can provide an important complement to traditional credit counseling when it comes to improving consumers' credit profiles and does so at a fairly low cost. 相似文献
2.
Price V. Fishback Shawn Kantor John Joseph Wallis 《Explorations in Economic History》2003,40(3):278-307
We examine the importance of Roosevelt’s “relief, recovery, and reform” motives to the distribution of New Deal funds across over 3000 US counties, program by program. The major relief programs most closely followed Roosevelt’s three Rs. Other programs were tilted more in favor of areas with higher incomes. For all programs spending for political advantage in upcoming elections was a significant factor. Roosevelt’s successful reelections were based on developing specific programs for a broad range of constituents, delivering on his stated goals, but also spending more at the margin for political purposes. 相似文献
4.
This article presents findings from a study of control operators that raise concerns about safety-critical knowledge, culture and training. It is argued that the adoption of automated control systems can hinder the transfer of knowledge amongst operators, and this becomes an increasingly serious hazard as tacit knowledge is lost because of employee turnover. 相似文献
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Dan Dhaliwal Shawn Huang Inder K. Khurana Raynolde Pereira 《Review of Accounting Studies》2014,19(4):1309-1345
Based on pooled cross-sectional analysis, we find a robust positive relation between product market competition and conditional accounting conservatism. We also find evidence of an inter-temporal increase in conditional conservatism following industry deregulation and increased antitrust case filings. Distinguishing further between two dimensions of competition, we find conditional conservatism is greater when there is a higher threat of new entrants as well as stiff existing competition. Moreover, we find these results largely hold for industry followers as opposed to industry leaders, suggesting that strategic considerations shape the extent to which product market competition affects conditional conservatism. 相似文献
8.
We study reputation incentives in the director labor market and find that directors with multiple directorships distribute their effort unequally based on the directorship's relative prestige. When directors experience an exogenous increase in a directorship's relative ranking, their board attendance rate increases and subsequent firm performance improves. Also, directors are less willing to relinquish their relatively more prestigious directorships, even when firm performance declines. Finally, forced Chief Executive Officer departure sensitivity to poor performance rises when a larger fraction of independent directors view the board as relatively more prestigious. We conclude that director reputation is a powerful incentive for independent directors. 相似文献
9.
This paper develops a model with overlapping generations, where the household's optimal fertility, child labour, and education decisions depend on the parents’ expectations or beliefs about the return to education. It is shown that there exists a range of parental income where the fertility rate is high and children participate in the labour market and receive an incomplete education if a parent believes the return to education is low. The act of participating in the labour market reduces the child's ability to accumulate human capital; thus, the action of sending a child into the labour market is sufficient to ensure that the parents’ initially pessimistic expectations are fulfilled. It is then shown that a one‐time policy intervention, such as banning child labour and mandatory education, can be enough to move a country from the positive child labour equilibrium to an equilibrium with no child labour. 相似文献
10.
Shawn G DuBravac 《Business Economics》2007,42(3):52-59
The U.S. television set market is projected
to reach the $27 billion mark
by 2010, up from $25 billion in 2006.
The bulk of this growth will come
from the flat-panel television set segment,
which is projected to grow 65
percent from 2006-2010. The transition
to digital television continues to
be a major underpinning of the television
set market in the United States.
Additionally, consumers are increasingly
looking to use their television
sets for a myriad of non-traditional
activities including accessing the
Internet, checking e-mail, and watching
content accessed from hardware
devices like digital video recorders.
JEL Classification L63 相似文献