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71.
在新巴塞尔资本协议(New Basel Capital Accord)对金融全球化的冲击及金融机构改善资产质量及合并政策的影响下,我国台湾地区金融业进入激烈合并竞争的时代.许多银行颇受降低逾放比率及增加净值报酬率与资产报酬率两难之困扰.消费性信用贷款产品利差大、风险分散,是金融机构授信经营极重要的产品.实证结果显示,采用世代研究(cohort study)建立之模型对样本数据之拟合程度较个案对照研究法(case-control study)的解释变异量为佳,且较符合新巴塞尔资本协议规定及科学程序.虽然Logistic 回归模型在建立逾期概率模型上广泛地被使用,但要求存在于同构型的变异数Var=np(1-p)假设上,且在数据分析上常因为出现变异数之异质性问题,故可采用调整变异数异质性之方法. 相似文献
72.
73.
The theory of incapacitation involves reducing an offender's ability or capacity to commit further crimes. Capital punishment accomplishes this goal. An executed murderer never murders again. However, we do not execute all murderers, only capital murderers. This policy produces several research questions. Do capital murderers present a special risk to society? Are capital murderers more likely to murder or commit other violent crimes again than other murderers or the average citizen? To answer these questions, many states require a prediction of future dangerousness of a newly convicted murderer. To what extent has the judgment of future dangerousness matched actuarial data of subsequent murders and serious crimes? Using a secondary analysis, this investigation attempted to assemble available data of postconviction dangerousness of death sentenced capital murderers to create a more comprehensive actuarial account of subsequent dangerousness and to present the data in a common format used by the Federal Bureau of Investigation and the Bureau of Justice Statistics. Across 14 studies identified with relevant data, there were 13 instances of subsequent murder and 462 serious crime or prison rule violations. 相似文献
74.
Two habituation experiments were conducted to investigate how 4‐month‐old infants perceive partly occluded shapes. In the first experiment, we presented a simple, partly occluded shape to the infants until habituation was reached. Then we showed either a probable completion (one that would be predicted on the basis of both local and global cues) or an improbable completion. Longer looking times were found for the improbably completed shape (compared to probable and control conditions), suggesting that the probable shape was perceived during partial occlusion. In the second experiment, infants were habituated to more ambiguous partly occluded shapes, where local and global cues would result in different completions. For adults, the percept of these shapes is usually dominated by global influences. However, after habituation the infants looked longer at the globally completed shapes. These results suggest that by the age of 4 months, infants are able to infer the perceptual completion of partly occluded shapes, but for more ambiguous shapes, this completion seems to be dominated by local influences. 相似文献
75.
Stephanie M. Pickle Timothy J. Robinson Jeffrey B. Birch Christine M. Anderson-Cook 《Journal of statistical planning and inference》2008
Parameter design or robust parameter design (RPD) is an engineering methodology intended as a cost-effective approach for improving the quality of products and processes. The goal of parameter design is to choose the levels of the control variables that optimize a defined quality characteristic. An essential component of RPD involves the assumption of well estimated models for the process mean and variance. Traditionally, the modeling of the mean and variance has been done parametrically. It is often the case, particularly when modeling the variance, that nonparametric techniques are more appropriate due to the nature of the curvature in the underlying function. Most response surface experiments involve sparse data. In sparse data situations with unusual curvature in the underlying function, nonparametric techniques often result in estimates with problematic variation whereas their parametric counterparts may result in estimates with problematic bias. We propose the use of semi-parametric modeling within the robust design setting, combining parametric and nonparametric functions to improve the quality of both mean and variance model estimation. The proposed method will be illustrated with an example and simulations. 相似文献
76.
Gabriela Beganu 《Statistical Methods and Applications》2007,16(3):347-356
It is known that the Henderson Method III (Biometrics 9:226–252, 1953) is of special interest for the mixed linear models
because the estimators of the variance components are unaffected by the parameters of the fixed factor (or factors). This
article deals with generalizations and minor extensions of the results obtained for the univariate linear models. A MANOVA
mixed model is presented in a convenient form and the covariance components estimators are given on finite dimensional linear
spaces. The results use both the usual parametric representations and the coordinate-free approach of Kruskal (Ann Math Statist
39:70–75, 1968) and Eaton (Ann Math Statist 41:528–538, 1970). The normal equations are generalized and it is given a necessary
and sufficient condition for the existence of quadratic unbiased estimators for covariance components in the considered model. 相似文献
77.
78.
Objective. The risk compensation hypothesis suggests that drivers enjoying greater safety will drive more recklessly and thereby impose greater risks on nonoccupants. We provide a test of the risk compensation hypothesis in the context of state seatbelt laws and belt use rates. Methods. Fixed‐effects models with policy and demographic variables are estimated using annual state data from 1985 to 2002 to test the effect of seatbelt laws and seatbelt use rates on logged fatality rates for occupants, pedestrians, motorcyclists, and all nonoccupants in separate models. Results. Contrary to the risk compensation hypothesis, the results indicate that both occupants and nonoccupants enjoy greater safety due to state mandatory use laws and increased safety belt use rates. Conclusion. Overall, seatbelt laws and the higher belt use these laws induce do not increase nonoccupant risk exposure. If anything, these laws and the accompanying increase in belt use result in safer driving behavior. 相似文献
79.
There is an emerging consensus in empirical finance that realized volatility series typically display long range dependence with a memory parameter (d) around 0.4 (Andersen et al., 2001; Martens et al., 2004). The present article provides some illustrative analysis of how long memory may arise from the accumulative process underlying realized volatility. The article also uses results in Lieberman and Phillips (2004, 2005) to refine statistical inference about d by higher order theory. Standard asymptotic theory has an O(n-1/2) error rate for error rejection probabilities, and the theory used here refines the approximation to an error rate of o(n-1/2). The new formula is independent of unknown parameters, is simple to calculate and user-friendly. The method is applied to test whether the reported long memory parameter estimates of Andersen et al. (2001) and Martens et al. (2004) differ significantly from the lower boundary (d = 0.5) of nonstationary long memory, and generally confirms earlier findings. 相似文献
80.
Thomas Binder 《Gruppendynamik und Organisationsberatung》2007,38(3):257-272
Many organizational change projects fail — despite a well thought out concept, professional project management and a binding implementation timetable. The reason why the expected success doesn’t materialize often lies with the missing maintenance. Once the project is officially completed and the client and project manager withdraw, the manner in which the organization will take up these changes is seldom systematically dealt with. Difficulties often arise when no discrete stabilizing measures are planned. We have derived four central action areas which will be clarified by way of practical examples. It will also be shown what is important to pay attention to in the stabilization phase so that a lasting success of the organizational change project can be ensured. 相似文献