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.     

法律环境的不确定性制约我国股指期货的推出

我国股指期货推出的法律环境面临诸多不确定因素,一方面,《证券法》、新《期货交易管理条例》、《关于审理期货纠纷案件若干问题的规定》、《刑法》和新《破产法》、《中国金融期货交易所交易规则》的颁布和修订,为强化市场监管提供了强有力的法律依据;另一方面,现有法律体系在交易所规则的效力、会计制度、税收制度、净额结算、交易所的性质、透支交易、交易信息的送达、期货公司的举证责任、涉外期货等方面规定不明确,应对相关法律进行修改、梳理和完善,并在刑法典中增加虚假陈述罪、非法经营期货业务罪、泄漏内幕信息罪和挪用期货保证金罪等内容。     

用于1553总线控制器的存储管理单元设计

从消息队列的数据存储结构定义、存储空间规划和控制过程设计三方面讨论了MIL-STD-1553/1773总线控制器的设计实现。在总线控制器的模块化设计方案中,这三个方面构成了总线控制器的核心模块棗存储管理单元,应用该方案可实现具有多消息自动处理功能的总线控制器。     

软腐欧文氏菌对大白菜根毛吸附的专化性

分3个层次测定了软腐欧文氏菌(Erwinia carotovora susp carotovora)对大白菜根毛吸附的专化性.病菌吸附表现出对寄主根毛表面的选择性、病原细菌与寄主问的专化性、吸附菌量在病菌不同菌株和奇主不同品种间的差异.讨论了病菌吸附专化性在寄主-病原物识别中的意义.     

《孟子》中的单音节形容词研究

文章主要从量的角度对《孟子》中的单音节形容词的句法功能进行研究,通过与现代汉语形容词的特征比较,结果发现单音节形容词作谓语(不带宾语),单音节形容词作宾语,单音节形容词带宾语以及单音节形容词作定语是《孟子》中的单音节形容词的重要特征。     

隐私权与知情权的冲突与协调

在现代社会中,权利与权利的冲突是一种较为普遍的现象.隐私权和知情权便是一对相互冲突的权利,正所谓"你要隐私,我要知情".因此如何解决两者之间的冲突,是我们不得不面对的理论和实践问题.     

蒙特卡罗方法及其在辐射剂量计算中的应用

概述了蒙特卡罗方法的产生与发展,阐述了蒙特卡罗方法的基本特点,最后就蒙特卡罗方法在辐射剂量计算上的应用进行了讨论。     

以语义学为视角解析英语语言中的女性歧视

性别歧视语是男女地位不平等这一长期社会顽疾的外在症状。本文旨在通过从词形、词序、词义、称谓、描述等英语的语义学角度对英语中存在的性别歧视语进行分析，揭示出英美国家的女性地位降级和文化失语。本文同时也提出了通过使用性别中性词和对等称谓、调整词序、创造新词等语义纠正策略，可消除英语中大量存在的女性歧视现象。     

论现代企业经营思想

企业行为受其经营思想的支配,企业的经营思想取决于企业所处的客观环境。在市场经济与现代企业制度的约束下,企业普遍应树立的经营思想有:守法观念、效益观念、用户观念、创新观念、竞争观念和战略观念。各种观念应当互为配合,形成一个有机的整体。     

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.