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.     

R12在水平管内流动沸腾换热实验研究

本文对R12在水平管内流动沸腾换热特性作了实验研究。实验结果表明,管内流动沸腾换热与单相对流换热一样,存在热进口效应,国外早期的实验数据由于未能考虑热进口效应而偏大。实验结果还表明,水平流动沸腾周向不均匀换热主要受流动结构影响;截面平均换热系数则与质量流速、热流密度、质量干度和蒸发压力密切相关。分析实验数据证实,流动沸腾换热是由气泡产生而引起的流动充分发展核态沸腾和双相对流蒸发两部分组成的。本文的实验数据与国外已有的换热关系式能较好吻合。     

高校教师教书育人的途径和方法研究

本文在肯定教师在高等学校对学生传授知识、培养能力方面的作用基础上,指出教书育人是教师的神圣职责并提出教师教书育人的重要途径和方法。     

大学计算机专业“基础原理”课的教学探讨

本文针对现代大学生学习计算机专业“基础原理”课程存在的种种客观问题,通过分析这些问题找出其中原因,并介绍对这些问题所采取的解决方案。教学实践表明,这些方案对学生学习“基础原理课”起到了较好的效果,提高了这类课程的教学质量。     

侦办盗窃案若干法律疑难问题解析

盗窃未加盖公章和印鉴的无效空白支票,通过伪造公章和印鉴获取财产的,应定诈骗罪而不宜定盗窃罪。盗窃印鉴齐全的空白支票,自填数额、用途等,取款、转款或购买物资,其自填数额达到较大标准的,亦应按盗窃罪处理。流窜盗窃分子供述的盗窃或扒窃事实、情节与缴获的赃款赃物,与同案人的供述相一致,也应予以认定。行为人以非法占有有价凭证、有价证券、有价票证的财产为目的而取得了上述票证,但在持有过程中,行为人放弃了非法占有的故意或目的,未有领取款物而将票证归还原主或毁弃的,可按犯罪中止处理。盗窃他人合法占有、控制的自有物,应视为“他人”物,可以构成盗窃罪。普通物品在认定盗窃数额时,应根据其价格和价值特点,分别确定计算标准和办法。特殊商品中,假冒伪劣残次品的价值计算,应按其实际价值计算。在处理赃物时,对一些特殊性质的赃物,应采取特殊方法处理,不能按照处理一般赃物的办法处理。     

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.     

Bayesian analysis of a marked point process: Application in seismic hazard assessment

Point processes are the stochastic models most suitable for describing physical phenomena that appear at irregularly spaced times, such as the earthquakes. These processes are uniquely characterized by their conditional intensity, that is, by the probability that an event will occur in the infinitesimal interval (t, t+Δt), given the history of the process up tot. The seismic phenomenon displays different behaviours on different time and size scales; in particular, the occurrence of destructive shocks over some centuries in a seismogenic region may be explained by the elastic rebound theory. This theory has inspired the so-called stress release models: their conditional intensity translates the idea that an earthquake produces a sudden decrease in the amount of strain accumulated gradually over time along a fault, and the subsequent event occurs when the stress exceeds the strength of the medium. This study has a double objective: the formulation of these models in the Bayesian framework, and the assignment to each event of a mark, that is its magnitude, modelled through a distribution that depends at timet on the stress level accumulated up to that instant. The resulting parameter space is constrained and dependent on the data, complicating Bayesian computation and analysis. We have resorted to Monte Carlo methods to solve these problems.     

论20世纪中国文学的古典性

20世纪中国文学是伴随着20世纪中国社会的思想革命、政治革命、经济革命和文化革命,承接着具有两千多年深厚文化底蕴的中国古典文学传统发展起来的。由于这些现代革命的不彻底性,中国文化和文学中的古典审美思想和美学诉求并没有得到根本改造,而作为新的审美诉求的现代性质素始终没有得到健康持续的培育,这使得20世纪中国文学呈现出较浓的载道性、外向功利性和正剧色彩三大古典审美特征。     

Population constraints on pooled surveys in demographic hazard modeling

In non-experimental research, data on the same population process may be collected simultaneously by more than one instrument. For example, in the present application, two sample surveys and a population birth registration system all collect observations on first births by age and year, while the two surveys additionally collect information on women’s education. To make maximum use of the three data sources, the survey data are pooled and the population data introduced as constraints in a logistic regression equation. Reductions in standard errors about the age and birth-cohort parameters of the regression equation in the order of three-quarters are obtained by introducing the population data as constraints. A halving of the standard errors about the education parameters is achieved by pooling observations from the larger survey dataset with those from the smaller survey. The percentage reduction in the standard errors through imposing population constraints is independent of the total survey sample size.