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.     

广义对角占优矩阵判定条件的改进

给出广义对角占优矩阵的判定条件,改进和包含了文献[1～3]的主要结果,从而也推广了Shivakumar的结果。作为应用,得到了判定非奇M矩阵和几种迭代法新的收敛准则。     

光纤扭转对循环延迟线偏振控制系统特性影响的研究

借助模式耦合理论和矩阵光学的知识,对引入光纤扭转机构后的延迟线偏振控制系统的偏振转换特性进行了分析,推导出了描述该系统偏振特性的琼斯矩阵,得到了光纤扭转对系统偏振特性影响的理论模型。     

Tl_2Ba_2CaCu_2O_8超导体的能带结构及其与晶体中氧缺位的关系

本文利用EHT(Extended Huckel Method)紧束缚能带计算方法,计算了Tl_2Ba_2CaCu_2O_8在晶体中三种不同氧缺位条件下的电子能带,讨论了晶体中不同氧缺位对该超导体的能带结构,体系总能量,总态密度和Cu—O面上Cu和O的电荷分布的影响,指出这三种氧缺位结构都有可能存在于该超导体中,并且对超导电性的贡献是相同的。     

中小企业CRM系统的OLAP设计与实现

根据中小企业CRM发展需求,构建了OLAP分析模型,为企业提供决策支持.     

The Establishment and Application of a Labor Quality Index: The Case of Taiwan’s Manufacturing Industry

The labor quality index (LQI) not only serves as an important reference for monitoring the progress of the sustainable development of a country, but it can also serve as an important parameter for economic analysis. To compile such an index for Taiwan, we conducted two large-scale surveys of 1000 major enterprises and 844 union leaders, respectively, to determine the appropriate weights for each key factor. We also searched for all the relevant statistics that were used to calculate the weighted sum of the 25 sub-indexes, in order to compile a LQI for Taiwan’s manufacturing industries covering the period from 1990-2000. Our calculations show that this LQI rose from 80.2 in 1990 to 117.5 in 2000, which reflected an impressive 37.3% increase in just one decade. This rate of growth has, however, been slowing down since 1997. Our results indicate that the LQI provides a valuable indicator for monitoring the enhancement of labor quality in this society.     

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.     

翻译理论新标准与语言学理论

语言学的发展一直在不断地影响着翻译理论的发展,只不过有时这种影响很间接,尼达的译学思想在中国翻译界一向占据着重要的地位,但这位大师最近宣布其观点已经发生根本变化,尼达学术观点的变化无疑会给目前译学建设带来一定的负面影响。本文着重从翻译理论的作用、翻译标准及语言学与翻译的关系三个角度对尼达翻译思想的转变加以分析;重新阐述理论在译学框架中的地位及作用,理论和实践的关系及翻译理论的意义。     

在有形与无形之间——浦东外企青年群体的特点及其工作思路探讨

随着市场经济的发展,新经济组织已成为经济发展中的一个亮点.外企是新经济组织中的一个组成部分.通过团的工作社会化来带动外企业青年工作是一个新的工作思路.本文就此进行了一些理论的探讨,提出了以社团等有形阵地和网络等无形阵地为基点,建立一个全方位、多层次的外企青年服务体系.     

以信息化改造传统交通,加快实现广州交通现代化

该文从信息化建设的基本理论出发,结合广州市公交行业,阐明公交系统实行信息化建设的迫切性。