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71.
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
72.
73.
John D. Emerson David C. Hoaglin Frederick Mosteller 《Statistical Methods and Applications》1993,2(3):269-290
Summary Meta-analyses of sets of clinical trials often combine risk differences from several 2×2 tables according to a random-effects
model. The DerSimonian-Laird random-effects procedure, widely used for estimating the populaton mean risk difference, weights
the risk difference from each primary study inversely proportional to an estimate of its variance (the sum of the between-study
variance and the conditional within-study variance). Because those weights are not independent of the risk differences, however,
the procedure sometimes exhibits bias and unnatural behavior. The present paper proposes a modified weighting scheme that
uses the unconditional within-study variance to avoid this source of bias. The modified procedure has variance closer to that
available from weighting by ideal weights when such weights are known. We studied the modified procedure in extensive simulation
experiments using situations whose parameters resemble those of actual studies in medical research. For comparison we also
included two unbiased procedures, the unweighted mean and a sample-size-weighted mean; their relative variability depends
on the extent of heterogeneity among the primary studies. An example illustrates the application of the procedures to actual
data and the differences among the results.
This research was supported by Grant HS 05936 from the Agency for Health Care Policy and Research to Harvard University. 相似文献
74.
The peripheral position of sex in a psychotherapy: An illustrative case of a mirror transference 总被引:1,自引:1,他引:0
Understanding the role of sexualization in a depressed patient gives us the opportunity to re-examine the place of sexual activity in psychopathology. The self psychological concept of the mirror transference is used to explain the therapist's activity in the case illustration. 相似文献
75.
76.
Dale R. Meers D.S.W. 《Child and Adolescent Social Work Journal》1992,9(2):99-116
The more things change, the worse they get.Presented April 18, 1991, Duke University, at the Department of Psychiatry's Grand Rounds, this paper condenses, integrates and updates the author's earlier publication. Acknowledgement and thanks for funding and professional sponsorship of the four research studies this paper draws from are selectively due to the Eugene and Agnes E. Meyer Foundation, the Edgar Stern Family Fund, The National Institute for Mental Health, the Baltimore-Washington Institute for Psychoanalysis and the Department of Psychiatry, Children's Hospital National Medical Center. 相似文献
77.
Definitions of child abuse are culturally driven. Hong Kong, with a predominantly Chinese population, has managed to eradicate much of the societal abuse that children suffer elsewhere in Asia. Professional and government attention has now shifted to child abuse and neglect within the family. The paper, based on interviews with key professionals. analysis of policy documents and practice records examines traditional Chinese parent-child relationships. the status of parental authority and corporal punishment and changes in contemporary Hong Kong family life. It goes on to outline the development of responses to child abuse in Hong Kong, some of the dilemmas that professionals face in defining abuse and areas for future research. 相似文献
78.
David Parratt 《Disability & Society》1995,10(4):501-520
Whilst 17% of the population experience some degree of hearing loss, sociology has largely neglected the study of services to this group. This article attempts to move the debate from a sociology of the deaf community to a sociology of deafness that includes an examination of how professionals define the needs of hearing impaired people. Despite differences between different constructions, deafness workers offer a combination of social work, information, and interpreting services. Practice rules have been developed by deafness workers to control workloads, and to work in their preferred way. This article is based on a multi-layered approach with a contextual analysis, a survey of 123 deafness workers, 32 semi-structured interviews, and my own personal experience of deafness work. 相似文献
79.
John S. J. HSU 《Revue canadienne de statistique》1995,23(4):399-410
This paper presents a new Laplacian approximation to the posterior density of η = g(θ). It has a simpler analytical form than that described by Leonard et al. (1989). The approximation derived by Leonard et al. requires a conditional information matrix Rη to be positive definite for every fixed η. However, in many cases, not all Rη are positive definite. In such cases, the computations of their approximations fail, since the approximation cannot be normalized. However, the new approximation may be modified so that the corresponding conditional information matrix can be made positive definite for every fixed η. In addition, a Bayesian procedure for contingency-table model checking is provided. An example of cross-classification between the educational level of a wife and fertility-planning status of couples is used for explanation. Various Laplacian approximations are computed and compared in this example and in an example of public school expenditures in the context of Bayesian analysis of the multiparameter Fisher-Behrens problem. 相似文献
80.
Suzanne T. Ortega David R. Johnson Peter G. Beeson Betty J. Craft 《Rural sociology》1994,59(4):598-619
Abstract This paper examines rural/urban differences and trends in mental health during the farm crisis of the 1980s in a large panel sample from a midwestern state. A community research perspective, which attributes differences to life styles, culture, and community context, is contrasted with an economic stress perspective, which focuses on individual differences in economic circumstances as determinants of rural-urban differences in mental health. Survey samples from 1981, 1986, and 1989 are used to examine differences among seven categories of community type. Multiple regression analysis of the trend and panel data provide support for both the individual economic distress and community context models. 相似文献