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.     

利用孔板及均速管进行空气-水两相流单双参数测量研究

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。     

Police Reforms in Child Abuse Investigation: Their Success and Limitations in the Struggle to Uphold Children's Rights

SUMMARY. The past decade has shown increased awareness, concern and understanding about the extent of child abuse, particularly sexual abuse, and the caring agencies response to listen to and to support the young victims. This article looks at the response of the police service over that decade to meet such demands and to work jointly and responsively with social services to further the welfare and protection of children. It also examines the constraints and limitations of the police and social services when they attempt to uphold the rights of child victims and to gain redress through the criminal justice system     

注重语文能力教学法及其在美国汉语教学中的应用

注重语文能力教学法（Ｐｒｄｉｄｅｎｃ－ｔｒｉｅｎｔｅｄＩｎｓｔｒｕｃｔｉｏｎ）是８０年代在欧美国家出现的新型外语教学方法，已为这些国家欧美语系外语教学广泛采用．其特点是以增强学生外语之语言及文字能力为主，使学生全面掌握所修习的外语。本文介绍此法的形成、发展、特点及其在美国汉语教学中的应用。     

论大学生素质教育

本文论述了素质和大学生素质教育的基本内涵和本质,并论述了当前我国大学生素质的现状以及影响和制约当前我国大学生素质教育的因素,提出了加强和改进大学生素质教育的途径和方法。     

一人公司的法律规制

一人公司法律地位在新公司法上的确立,并不是说在此之前不存在这种公司,事实上一人公司尤其是形式上的普通公司实质上的一人公司是广泛存在的。一人公司与传统公司法人制度的冲突,使它在传统公司法框架体系下很难得以规范,而公司法人人格否认法理作为一种判例法上的重要原则,可以有效弥补成文法上的不足,从而在有效规制一人公司方面具有极为广泛的运用价值。一人公司需要信用的土壤,发挥政府和监管部门的信息披露职能是十分重要的。     

Older disabled workers' perceptions of volunteering

The activity of volunteering is readily available to, and undertaken by, able-bodied people in Australia and is recognized as a valuable social pursuit, particularly among citizens of retirement age. Despite the known benefits of volunteering, however, there are few reports of disabled people participating as volunteers and little is understood of their experiences or perceptions of volunteering. The aim of this study was to explore how older workers within supported employment settings perceived the opportunities for and barriers to volunteering. Fourteen people with long-standing impairments participated in this small qualitative study. Overall the participants were positive about volunteering, but noted they might require support to volunteer successfully. Drawing upon the participants' views, recommendations are made for developing training. Disabled workers facing retirement need to be supported to have opportunities for active participation in the community as volunteers if so desired.     

简谈领导干部形象

良好的领导形象,不仅有利于领导威信的建立,而且有利于领导者的决策、指示、领导方法为群众所接受,并将愉快地执行与创造性地完成。否则,则会影响领导效能。因此,作为一名领导干部应从多方面加强自身修养,塑造良好的领导形象。