Deposit Insurance,Institutions, and Bank Interest Rates

Many recent institutional reforms of the financial system have relied on the introduction of an explicit scheme of deposit insurance. This instrument aims at two main targets, contributing to systemic stability and protecting depositors. However, it may also affect the interest rate spread in the banking system, which can be viewed as an indicator of either inefficiency or market power in this financial segment. This paper provides an empirical investigation of the effect of deposit insurance and other institutional and economic variables on bank interest rates across countries. We find that deposit insurance increases the lending–deposit spread in banking. The main effect seems to arise not from the deposit side though, but from an increase in the lending rate. We interpret this result as evidence of the presence of moral hazard problems related to this instrument. We also find that higher quality of institutions is associated with lower spreads, thus contributing to eroding sources of market power in the banking sector.     

软腐欧文氏菌对大白菜根毛吸附的专化性

分3个层次测定了软腐欧文氏菌(Erwinia carotovora susp carotovora)对大白菜根毛吸附的专化性.病菌吸附表现出对寄主根毛表面的选择性、病原细菌与寄主问的专化性、吸附菌量在病菌不同菌株和奇主不同品种间的差异.讨论了病菌吸附专化性在寄主-病原物识别中的意义.     

Efe fathers: one among many? A comparison of forager children's involvement with fathers and other males

The study reported describes Efe (pygmy) forager one-, two-, and three-year-olds' involvement with males. The Efe of northeastern Zaïre were chosen because their social organization allows us to examine hypotheses based on studies in Western, technologically complex societies about the distinctive role fathers play in the lives of their young children. Behavioral observations of Efe children's day-to-day activities with fathers, men and boys were recorded using a focal subject sampling technique (Altmann, 1974). Two behavioral measures were created to capture the extent to which males were involved with children: Social engagement describes males' involvement with children and social attention describes eavesdropping by children on males' everyday activities. Eight one-year-olds, 7 two-year-olds and 8 three-year-olds were each observed for six, one-hour observation sessions that were distributed evenly over the daylight hours. Data were analyzed using the traditional measure of involvement (e.g., adult males) and using a newly developed measure of the involvement of the average individual (e.g., average adult mate). Comparisons at each of the ages showed that fathers were consistently like other men in the extent to which children participated in social activities with them and watched their activities. Only fathers' level of social engagement declined significantly as children grew older. Boys' role relative to other males became increasingly distinctive as children aged. The findings suggest that Efe fathers may not be unique in the same sense assumed by Western study ideals, and raise questions about the special status given to fathers in Western theory and data. The patterning of mate involvement with children is discussed in terms of Efe community life, and in terms of Efe children's developing understanding of their relationship with fathers and other males.     

松本真澄著作《中国民族政策之研究》评介

《中国民族政策之研究———以清末至1945年的“民族论”为中心》(以下简称《中国民族政策之研究》)是日本学者松本真澄历经多年研究,在其博士论文的基础上修撰而成。该书于1999年由日本多贺出版社出版,2004年由民族出版社出版了鲁忠慧翻译的中文版。自20世纪70年代末、80年代初以来,随着中国对外开放的不断深入、对外交流的日益扩大,国外学术界掀起了研究中国的高潮,其中有关近、现代中国边疆问题和民族问题的研究成为一大热点。这些研究大致可以分为两类:第一类主要从政治学的角度出发,结合民族学和历史学的理论与方法,对中国边疆地区及少…     

论个体人力资源开发的基本内容

本文认为,基于人力资本理论的个体人力资源开发就是对个人进行人力资本投资以提高工作所需人力资本水平改进工作绩效的有计划的系列的活动。文章认为个体人力资源开发的基本内容是知识开发、技能开发和能力开发。     

从"小康"到"和谐社会"--兼论中国共产党执政理念的创新

邓小平提出的“小康”是改革开放后中国最为宏伟的社会发展战略目标,已得到初步实现。在此基础上,奋发有为的新一届中央领导集体又提出了“和谐社会”的发展目标。这一发展过程,是与时俱进的中国共产党的正确选择,是中国社会现实发展的必然要求,是我党对中国传统文化中优质资源的创造性运用,体现了党执政理念的创新,具有重大的现实意义和深远的历史影响。     

The current state of the labor queue: National and regional Evidence

We employ vector autoregressive techniques to determine the current state of the labor queue. Unemployment rate differentials have narrowed in recent years, potentially due to a change in the queue ordering, though a tight labor market and a stable queue would yield similar results. We find no evidence that the queue ordering has changed, which brings into question the resiliency of gains made by minority groups. We employ the same techniques to reveal the state of the queue across geographic regions and find that substantial differences exist across regions, implying variation in the relative labor force status of demographic groups.     

进一步完善现代技术在招生工作中的功用

针对近几年高校教育的发展趋势,介绍现代管理技术在招生管理工作中的基本表现形式,分析了现代管理技术在招生管理工作中的作用及其发展的不平衡与障碍,并就进一步完善现代技术在招生管理工作中的功用提出看法。