农村信用社省联社改革的现实审视与路径选择

农村信用社省联社改革虽然在特定历史阶段发挥了积极作用,但由于改革的不彻底性,双重身份的法律定位模糊,股权关系错位造成权责归属倒置,对基层社的独立自主经营造成干扰,难以避免地方政府的干预,地方不断提高农村信用社法人层级的趋势明显,信用社产权制度边缘化,面临＂内部人控制＂和＂外部人干预＂的双重风险。深化省联社改革应渐进式改良,对省联社职能边界重新界定,强化服务、弱化管理,抑制其转型为银行总部的利益冲动。地方政府应通过职能转变合理履行管理职能。     

中美房贷险风险保障机制的比较研究

针对当前房贷险颓势引致运行不畅现象,应用比较分析方法,借鉴美国房贷险风险保障机制的先进经验,并结合我国的国情,找出并剖析影响房贷险正常运行的诸多因素,提出建立有效房贷险风险保障机制的解决方案与政策建议。     

網絡組織成員合作的穩定性模型分析

本文應用博弈論建立了一個網絡組織成員合作的穩定性模型,通過模型分析作者提出網絡組織的穩定性依賴於多種因素,其中,信任機制、懲罰機制是網絡組織穩定的基本因素。本文通過對中國網絡組織的一般性分析,指出特殊主義文化背景下的中國網絡組織的信任機制和懲罰機制更多的來源於非正式制度,而非正式制度作用的空間局限性,是導致中國區際網絡組織穩定性差的重要原因,本文最後提出了中國網絡組織穩定性提升的建議。     

基于"学分银行"制度的行业特色型高校继续教育改革思路

"学分银行" 制度是我国继续教育改革未来的发展方向, 能够充分发挥继续教育所具有的开放性、 公平性、 终身性等特点. 灵活的学分认定、 学分累积、 学分转换机制打破了传统教育管理的弊端, 从服务创新、 合作创新、 管理创新几个方面为行业特色型高校继续教育的发展提供了改革思路. 高校需要结合自身继续教育发展的特点, 有计划、 有步骤地建立继续教育 "学分银行", 为构建行业人才的终身学习平台发挥重要作用.     

论20世纪30年代中期的中德"易货贸易"

20世纪30年代中期的纳粹德国与中国国民政府的"易货贸易"经历了从形成到兴盛的过程。德国商人克莱因与1936年的《信用借款合同》分别是这一历史进程中的关键性人物和标志性事件。此外,中德两国各自的内政及外交因素也是影响上述贸易进程、推动"易货贸易"兴盛的重要原因。     

试论中国传统文化对高校实行学分制的影响

本文从治国理念、价值取向、心理倾向、文化发展等方面概括了中国传统文化的主要特征.分析了中国传统文化对高校实行学分制的积极影响和消极影响,指出:应吸收中国传统文化中的积极因素,摒除其消极因素,树立新的育人理念,实行学分制,坚持以学生为本位的人才培养观,培育平等的师生观,充分利用有限的资源调动教师的教学积极性,给学生更多自由发展的空间,以促进高等教育的发展.     

Imagined interactions,family money management patterns and coalitions,and attitudes toward money and credit

This study explores the imagined interactions college students have with their parents about money and credit, their attitudes toward credit and money, the ways they say their parents deal with financial decisions, and the communication coalitions regarding finances they perceive existing within their family. Students’ imagined interaction pleasantness is greatest when parents jointly form a plan for paying off credit card debt and lowest when parents argue. When family coalitions exist, students report more frequent imagined interactions. Imagined interaction frequency and pleasantness are related to credit and money attitudes.

A constitutional theory of the family

The paper re-examines the idea that a family can be viewed as a community governed by a self-enforcing constitution, and extends existing results in two directions. First, it identifies the circumstances in which a constitution is renegotiation-proof. Second, it introduces parental altruism. The behavioural and policy implications are illustrated by showing the effects of public pensions and credit rationing. These implications are not much affected by whether altruism is assumed or not, but contrast sharply with those of more conventional models.

Macro-Economic Factors in Credit Risk Calculations: Including Time-Varying Covariates in Mixture Cure Models

The prediction of the time of default in a credit risk setting via survival analysis needs to take a high censoring rate into account. This rate is because default does not occur for the majority of debtors. Mixture cure models allow the part of the loan population that is unsusceptible to default to be modeled, distinct from time of default for the susceptible population. In this article, we extend the mixture cure model to include time-varying covariates. We illustrate the method via simulations and by incorporating macro-economic factors as predictors for an actual bank dataset.