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31.
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. 相似文献
32.
本文利用孔板及均速管的组合对空气-水两相流的流量及质量含气率进行了单、双参数测量研究,给出了两种元件的单参数公式及其双参数组合公式。对3种不同孔径的孔板、4组孔板及均速管间距以及两种型号的均速管进行了研究,获得了比较满意的结果。 相似文献
33.
主体性的实践哲学具有一定的时代意义,但它并不是哲学的全部,而是应该在唯物历史观的框架下加以研究。马克思主义哲学是改造、吸收人类各种思想、智慧的“大”哲学,其主体仍然是唯物论和辩证法。哲学的创新就是从各个方面继续深入研究。 相似文献
34.
随着生活水平的不断提高,人们对产品的需求从对物理功能的需求上升到对生理功能、心理功能的需求.如何满足不同身高、体形的学生对课桌椅的要求,如何提高课桌椅的舒适性、实用性、美观性,是学生桌椅设计中需关注的问题. 相似文献
35.
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. 相似文献
36.
培养富有创新精神和开拓能力,理论坚实并具有现代植物生产技能,能够献身生态重建和区域农业发展的应用型高级技术人才。以此作为专业教学改革的基础目标,通过教师队伍素质和水平培养提高,着力相关课程改革,坚持理论教学面对区域农业发展实际,跟踪农业技术发展前沿,强化具有就业市场竞争能力的专业技能培养,通过办学条件的改善,使富有地域特色的专业教学改革取得初步而又明显的成效。 相似文献
37.
基于FCM的动态结合全局图像阈值分割 总被引:1,自引:0,他引:1
全局阈值分割对于小目标物效果不理想,动态阈值容易产生阴影等干扰,但综合考虑全局阈值和动态阈值可以达到比较理想的结果。模糊C均值算法用于灰度图像分割是一种非监督模糊聚类后再标定的过程,该文在不明显增加运算量的前提下,利用模糊C均值自动聚类的功能分别得到全局阈值和动态阈值,完成对阈值矩阵的构造和图像的分割。 相似文献
38.
傅贤国 《贵州民族学院学报》2007,(5):75-78
随着刑罚观的改变,作为刑罚执行重要场域的监狱,其功能也在逐步转变,矫正成为现代监狱的核心功能。然而,矫正功能具有正反两方面的内容,必须加以区分。体制化后的监狱并不能真正有效的发挥矫正功能。文章从美国电影《肖申克的救赎》所反映的问题出发,分析了矫正功能的发挥必须具备的前提条件,以及应当注意的问题。同时,对我国监狱改革进行了反思。 相似文献
39.
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. 相似文献
40.
Michael S. Rendall Ryan Admiraal Alessandra DeRose Paola DiGiulio Mark S. Handcock Filomena Racioppi 《Statistical Methods and Applications》2008,17(4):519-539
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. 相似文献