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1.
Most automobile insurance databases contain a large number of policyholders with zero claims. This high frequency of zeros may reflect the fact that some insureds make little use of their vehicle, or that they do not wish to make a claim for small accidents in order to avoid an increase in their premium, but it might also be because of good driving. We analyze information on exposure to risk and driving habits using telematics data from a pay‐as‐you‐drive sample of insureds. We include distance traveled per year as part of an offset in a zero‐inflated Poisson model to predict the excess of zeros. We show the existence of a learning effect for large values of distance traveled, so that longer driving should result in higher premiums, but there should be a discount for drivers who accumulate longer distances over time due to the increased proportion of zero claims. We confirm that speed limit violations and driving in urban areas increase the expected number of accident claims. We discuss how telematics information can be used to design better insurance and to improve traffic safety.  相似文献   
2.
本文以网购旅游者为调查对象,分析其网评使用习惯及其在网评奖励效果作用下对网络评论效用发挥的影响。通过问卷调查和数据分析发现,网评使用习惯和网评奖励效果都对网评效应具有显著正向影响,但网评使用习惯的影响力大于网评奖励效果。同时,网评奖励效果对网评使用习惯与网评效应间的关系具有显著负向调节效应,它削弱了消费者网评使用习惯对网评效应的影响;但消费者的网评使用习惯不通过网站的网评奖励效果对网评效应发挥作用,网评奖励效果不具有中介作用。可见,在网评使用习惯、网评奖励效果和网评效应三者关系中,网评使用习惯是个独立的影响因素,它并不通过网评奖励效果发挥作用,并且由于网评奖励效果的加入,反而削弱了网评使用习惯对网评效应的影响。研究结论表明,对于网评奖励政策的效果,需要客观辩证地看待,不应一味夸大。  相似文献   
3.
Integration into the information society implies that information plays an increasingly important role in all sectors of society and holds distinct social and economic benefits. Discourses on the information society are, however, also associated with the digital divide and inequalities in access to and use of information and communication technologies (ICTs). Within sub-Saharan Africa, South Africa is often regarded as one of the most information-integrated societies due to widespread mobile phone ownership, among other things. However, while ICT access has been emphasized, research also points to the role of demographic, socio-economic and cultural factors such as ethnicity, income, education and gender. This article discusses the results of questionnaire surveys conducted by Afrobarometer among probability South African samples in 2008 and 2011. The results indicate that individual Internet use and mobile Internet access were lower than estimated in the literature. Furthermore, gender gaps, as well as considerable gaps between population groups and educational levels, were found in Internet and computer use, mobile ownership and access to mobile Internet and accessing news via the Internet. Conclusions regarding strategies for bridging the digital divide and integrating South Africa into the information society are discussed.  相似文献   
4.
Spatial thinking and spatial knowledge generation in decision-making are still not mature fields of study in planning research, despite these being crucial elements in addressing the issues of the twenty-first-century city. This article contributes to their understanding by exploring their interrelationships with spatial data usage. Through storylines, it analyzes the arguments that planning practitioners offer in support of infrastructure-led decisions in Arequipa (Peru), before and after spatial data usage. The article concludes that spatial data usage improve spatial thinking to different extents, yet suggests aligning spatial data generation and the inclusion of GIS-based spatial analyses with the spatial knowledge needed by routine planning practice.  相似文献   
5.
益西拉姆  刘勇  奔嘉 《民族学刊》2014,5(2):36-42,118
著名藏学家金·史密斯先生用一生的时间从事藏文文献的保护工作,在藏文文献的收集、整理、研究、利用等领域做出了巨大的贡献,为后人留下了大量的藏文文献。他在美国纽约建立了藏传佛教文献资料中心(简称:TBRC),大量的藏文文献在国内、外藏学界利用起来。同时他也是把藏文文献的原件从国外捐赠给中国的第一位外国藏学家,2012年12月,历时5年的藏文纸质文献的捐赠工作顺利完成。本论文对金·史密斯先生建立TBRC的具体情况,捐赠纸质文献给西南民族大学的事件,西南民族大学金·史密斯藏学文献馆建馆历程等内容进行梳理,以此来缅怀为藏文文献的保护工作付出一生的美国藏学家。  相似文献   
6.
At present, there are situations in antibiotic drug development where the low number of enrollable patients with key problem pathogens makes it impossible to conduct fully powered non‐inferiority trials in the traditional way. Recent regulatory changes have begun to address this situation. In parallel, statistical issues regarding the application of alternative techniques, balancing the unmet need with the level of certainty in the approval process, and the use of additional sources of data are critical areas to increase development feasibility. Although such approaches increase uncertainty compared with a traditional development program, this will be necessary to allow new agents to be made available. Identification of these risks and explicit discussion around requirements in these areas should help clarify the situation, and hence, the feasibility of developing drugs to treat the most concerning pathogens before the unmet need becomes even more acute than at present. Copyright © 2014 John Wiley & Sons, Ltd.  相似文献   
7.
本文依据北京高校毕业生的实证调研数据,分析了大学生求职资源动员行为的结构与特征。研究发现:动员校内资源是中国大学生重要的求职行为;在所属高校层级、自身校内资源和生源地等指标上,不同毕业生群体的资源动员行为存在显著性差异。  相似文献   
8.
宗杲是宋代以来影响最大的禅师。江西诗派诗论如吕本中的"活法"、徐俯的"中的"、韩驹的"遍参"、曾幾的"慎勿参死句"都与宗杲"看话禅"有着话语同构关系。  相似文献   
9.
改革开放与中韩建交带给朝鲜文报纸的影响很大,由于这些影响报纸的语言发生了诸多变化,报纸在词汇运用中存在的问题也有增无减.从语言学的角度分析朝鲜文报纸词汇运用,可以发现现实运用中存在乱用汉字词、随意组成合成词等问题.针对这些问题应该做到:制定语言选择基准、使用以读者为中心的语言;要克服“一对一”的翻译模式;采编人员要遵守《朝鲜语规范》做到规范使用词汇;采编人员要树立责任意识.  相似文献   
10.
成语是语言中的精华.在俄语教学中常遇到一些成语,研究一下它们的起源有助于我们更好地了解和使用它们,尤其对我们的教学工作会大有裨益.  相似文献   
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