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.     

Г-带的半格分解

在Γ-半群中引入Γ-带、Γ-矩形带和Γ-半格等概念,获得了一个元的逆元集的分解定理和Γ-带的Γ-半格分解定理,它们分别类似于一般半群中逆元集的分解定理和著名的带的半格分解定理.     

ETHNIC PLACES, POSTMODERNISM, AND URBAN CHANGE IN HOUSTON

City managers and urban sociologists traditionally viewed ethnic places as undesirable areas of overcrowding and social pathology. Regarded as either transitional districts or obstacles to modernization, ethnic places were subject to slum clearance during the modernist phase of urban development. Ethnic places have acquired a new historical and sentimental salience in the "postmodern" developmental era. Preservationist activists and minority "place entrepreneurs" project ethnic culture and symbolic representations in defensive or proactive ways to stimulate neighborhood revitalization. These trends are evident in the recent urban developmental history of Houston, Texas.     

给怀孕母猪口服调痢生预防仔猪黄、白痢病

将农村中品种、胎次相同的60头怀孕母猪分为三组进行试验。试验结果表明,给产仔前5天的怀孕母猪口服调痢生,按每公斤体重100毫克剂量,每日一次,连用5天,对预防其所产仔猪不患黄、白痢病具有显著效果;而且仔猪增重快,药费成本低,使用方便,经济效益明显。     

中日银行不良债权成因比较分析

银行不良债权是中日两国面临的共同问题。本文在分析中日不良债权现状的基础上,从微观经济学和制度经济学视角对两国不良债权的成因进行了比较分析,并结合我国国情,得出解决这一问题的关键是消除形成金融不良资产的制度性根源,最后提出了化解我国不良债权的几点针对性措施。     

物理学革命中的哲学论战——纪念爱因斯坦逝世50周年

在19世纪末20世纪初的物理学革命中,从X射线、放射性和电子等重大发现,到相对论和量子力学的相继创建,使得物理学基本观念发生了根本变革,并对一系列物理学哲学问题展开了激烈争论。本文对物理学革命中的哲学论战进行述评,旨在深化科学哲学界对这一时期物理学哲学问题的系统研究,并以此纪念爱因斯坦逝世50周年。     

全力支持河套大学人才培养水平评估 构建巴彦淖尔完善的国民教育体系

10月份,教育部将组织专家组对河套大学进行人才培养工作水平评估,对河套大学而言,这既是机遇也是挑战。经过21年的发展,河套大学取得了可喜的成绩。通过这次评估,河套大学要理清思路、深化改革,认真整改,迈向新高。教育行政部门大力支持对河套大学人才培养水平评估,支持河套大学的发展。     

老子法律思想探微

老子思想中包括了内涵丰富,体系完整,门类齐全的法律思想。老子是世界上第一个提出自然法思想的智者,“人法地,地法天,天法道,道法自然”。笔者将尝试用以老喻老,以儒喻老,以今喻老,以法喻老等方法,从法学流派、实体和程序法学等几个方面论述老子的法律思想。     

现代修辞学中风格研究的两个问题

我国的风格研究历史悠久,源远流长。在现代修辞学中,风格研究更是众多学者关注的对象。怎样看待风格在修辞学中的地位?怎样界定语言风格的定义?对此,研究者们不断探索,这将推进风格学的理论研究更加深入、系统。     

论限制网络传播权应遵循的原则

对著作权人行使网络传播权进行的合理限制是网络传播权产生、网络事业发展的必然要求,限制网络传播权应遵循效率与公平平衡统一的原则、现代化原则、国际化和本土化相结合原则、诚实信用原则和公序良俗原则。