户籍歧视对劳动报酬差异的影响

在我国，户籍歧视是形成劳动力市场分割的重要原因，它不但通过阻碍劳动力流动造成城乡收入差异，也会促成农民工和城镇工人之间劳动报酬的差异。本文利用中国健康与营养调查（CHNS）多年的数据，对我国户籍歧视影响劳动报酬差异的程度进行计算和分析。结论表明，近几年户籍歧视现象并没有明显改观，政府在制定相应政策时，仍需关注这方面的问题。     

论细分化和联合化思想在营销专业产学结合中的应用

产学结合作为目前高校特别是高职院校办学的特色和亮点，近来越来越被强调、应用，呈现出蓬勃发展的趋势。本文从产学结合的实际应用情况出发，引入细分化和联合化的思想，对营销专业产学结合的发展趋势做了一定的思考。     

论差异化营销策略在我国商业银行经营管理中的应用

目前，国内外金融市场同业竞争日趋激烈。我国的商业银行应当改变市场营销模式，把差异化营销策略提上议事日程进而发挥作用，以求在严峻的市场环境中立足并发展壮大。     

Government as a discriminating monopolist in the financial market: the case of China

We show that the many unusual features of China’s financial markets are consistent with a government choosing regulations to maximize a standard type of social welfare function. Under certain conditions, these regulations are equivalent to imposing explicit taxes on business and interest income, yet should be much easier to enforce. The observed implicit tax rates are broadly in line with those observed in other countries. The theory also forecasts, however, that China will face increasing incentives over time to shift to explicit taxes.     

加入WTO与我国银行市场营销的发展

加入WTO使我国原有的银行市场垄断格局被逐渐打破 ,市场被重新分割 ,客户被重新组合 ,并由此促进我国商业银行“营销致胜”理念的形成 ,加快中外资商业银行营销融合 ,改善我国银行营销环境 ,提升我国商业银行营销管理水平。     

个人理财市场细分及客户群差异性分析

目前我国商业银行个人理财业务尚处于初级阶段,个人理财市场的细分还很简单,尚没有进行更深入的、多层次的分析。针对这一情况,本文借鉴“家庭生命周期”的分析思路,选取人口统计变量和家庭生命周期变量等综合指标作为客户细分变量,对给定的调查样本实施市场细分。为此,本文利用方差分析探讨了一般客户、重要客户、未来潜力客户和战略客户4组客户理财个性的差异性以及对银行理财服务质量期望的差异性。同时,还分析这组客户对主要理财工具、理财产品的需求特点,并在市场细分的基础上制定出4差异化的、有针对性的营销策略。     

ETF Premiums and Liquidity Segmentation

Exchange traded funds (ETFs) provide a means for investors to access assets indirectly that may be accessible at a high cost otherwise. I show that liquidity segmentation can explain the tendency for ETFs to trade at a premium to net asset value (NAV) as well as the life‐cycle pattern in premiums. ETFs with larger NAV tracking error standard deviations (TESDs) tend to trade at higher premiums and the liquidity benefits offered by foreign ETFs and fixed income ETFs are revealed to be the most valuable to investors. Further tests validate that TESD has the desirable properties of a liquidity segmentation measure.     

Segmenting Green Consumers in the United States: Implications for Green Marketing

The purpose of the current study was to segment U.S. consumers into four distinct clusters based on their beliefs and motives regarding pro-environmental consumer behavior. Using a nationally representative sample of U.S. adults from Experian Simmons (N = 22,348), this study revealed that: (a) there are four clusters of consumers in the United States with a unique set of beliefs and motives regarding consumer environmentalism; (b) the clusters have distinct demographic and media usage profiles; and (c) the groups have varying responses to the industry's initiatives to protect the environment. Implications of the research are discussed in light of developing message and media strategies for green marketing.     

Choice-Based Conjoint Analysis of the Local Coupon Preferences of Millennials

This article explores the local coupon preferences of the 18–29-year old market. Choice-based conjoint analysis was used to determine Millennials’ local coupon needs and preferences. From this data, three need-based segments were identified and discussed. The findings indicate that while overall, millennials are resistant to receiving coupons for local businesses through their cell phones, there is one segment that is receptive to this method of coupon delivery method.     

Credit market segmentation,essentiality of commodities,and supermodularity

We consider incomplete market economies where agents are subject to price-dependent trading constraints compatible with credit market segmentation. Equilibrium existence is guaranteed when either commodities are essential, i.e, indifference curves through individuals’ endowments do not intersect the boundary of the consumption set, or utility functions are concave and supermodular. The smoothness of mappings representing preferences, financial promises, or trading constraints is not required. Hence, we may include in our framework economies where ambiguity is allowed and agents maximize the minimum expected utility over a set of priors, or where markets include non-recourse collateralized loans.