整合TTF与UTAUT视角的移动银行用户采纳行为研究

由于移动银行可以提供无处不在、实时的服务而得到众多传统银行的重视和推广,但调查报告显示用户对移动银行的采纳率相当低.整合任务/技术匹配理论和技术采纳与使用统一理论,构造移动银行用户采纳行为模型,分析影响用户采纳移动银行的因素.对收集的数据采用结构方程模型USREL进行估算,研究结果显示,除努力期望外,绩效期望、任务/技术匹配度、社会影响和便利条件对用户采纳有显著作用,任务/技术匹配度显著影响绩效期望,而技术特征显著影响努力期望.因此,传统银行不仅要采取措施改进用户对移动银行的技术感知,还要根据用户的任务需求提供有针对性的服务,从而改进任务/技术匹配度,促进用户对移动银行的采纳.     

市场竞争视角下农村商业银行股权结构对风险承担的影响

以2012-2017年全国212家农村商业银行为研究对象,分析农村商业银行股权结构对风险承担的影响,同时引入市场竞争,探究其是否会促使农村商业银行股权结构与风险承担关系发生变化。研究发现:（1）农村商业银行股权集中度与风险承担呈倒U型关系,股权制衡度与风险承担正相关,国有属性与风险承担正相关;（2）市场竞争可以部分调节农村商业银行股权结构与风险承担的关系,即市场竞争增强了股权集中度与风险承担的倒U型关系,同时也增强了股权制衡度与风险承担的正向关系,但并不会对国有属性与风险承担的正向关系产生影响。     

国有商业银行改革与发展的思考

随着外资银行进入国内市场和国内股份制商业银行的蓬勃发展,国有商业银行的深层改革迫在眉睫;而产权制度、不良资产和管理制度仍成为制约国有商业银行改革和发展的因素。国有商业银行应抓住加入WTO过渡期的历史契机实行股份制改革和推进中间业务。     

高校实验设备管理现代化和标准化的探讨

本文阐述了使用计算机实现高校设备的管理的现代化、标准化的基本做法和作用。     

获贷毕业生违约现象与对策--以云南民族大学为例

获贷毕业生还款逾期、违约现象的存在具有必然性、长期性,要降低违约率必须多项措施并举,当务之急是建立健全"毕业生信用信息档案系统"和相应制约机制。     

Can Long-Term Exposure Distributions Be Predicted from Short-Term Measurements?

A method for estimating long-term distributions of exposure based on repeated short-term measurements within the same population is developed. If the short-term measurements span seasonal variation, and if the distributions are log-normal or nearly so, then long-term distributions can be estimated from as few as two visits to the same population. The method is illustrated using examples drawn from EPA's TEAM Study of exposures to volatile organic compounds.     

银行资本职能与两种金融功能观

作者认为当前"美式金融观"和"金融原点观"之争对各国金融体制的改革影响十分重大,而这两种金融功能观的对立,根本原因在于对银行资本职能认识的差异。因此,本文从借贷资本的本质出发,首先分析了两种金融功　　能观产生的原因和影响,然后基于对金融原点的认识,界定了银行的一般功能。     

Risk and the welfare state

The British welfare state developed as a state-centred response to the problem of handling the risks encountered in a typical life-course. The influential work of Giddens and others implies that the traditional welfare state is under attack from two directions: a changing international politico-economic environment limits the freedom of national governments to pursue independent policies involving relatively high taxation to finance social spending. At the same time, changes in the experience of risk and declining confidence in the expertise of welfare state planners and professionals undermine support for state-centred solutions. This approach fails to acknowledge that available non-state services are often inadequate to meet many everyday life risks and that the authority of private sector advisers, insurers and professionals is also increasingly open to question. This article discusses whether people reject welfare state solutions to problems of risk in the context of research on the perceptions and behaviour of people buying or selling their homes, considering provision for long-term care needs and defrauding social security carried out by the ESRC's Economic Beliefs and Behaviour programme. Individual responses endorse the continued provision of state welfare in order to meet unprovided risks alongside disenchantment with the record of both state and private professionals and planners and awareness that state retrenchment requires greater individual responsibility for meeting one's own needs. The theory of risk society requires development to recognize that citizens are not necessarily alienated from state welfare.     

财务困境成本估计述评

财务困境成本是指从破产清算或债务重组中产生的成本,可以分为三个部分:财务困境企业承担的成本,债权人承担的成本,企业和债权人以外的利益当事人的利益损失。财务困境成本也可能产生一定的利益,包括企业内部的改进和外部的财富转移。实证研究表明,财务困境成本对企业价值和资本结构具有重要的影响。     

论巴塞尔协议与我国外资银行监管法制的完善

作为现代国际统一银行监管标志的《巴塞尔协议》,在国际银行监管的国际合作方面作出了巨大贡献。本文通过回顾巴塞尔协议中关于国际银行监管思想的演变,分析了(新)巴塞尔协议对国际银行风险监管的法律影响和我国现行外资银行立法,提出只有依据(新)《巴塞尔协议》的精神,加强国际银行监管的国际交流与合作,才能对中国的外资银行进行有效的监管,发挥其对中国经济发展的积极作用。