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交叉销售在中国金融业的应用前景研究:美国的经验及启示 总被引:8,自引:0,他引:8
交叉销售作为创新的营销方式,为提升美国金融机构的竞争实力做出了重要贡献。本文从对中美两国营销环境的差异分析入手,研究了中国金融业应用交叉销售必须解决的问题及其发展前景。本文认为,金融业在中国尚处于初级阶段,交叉销售的产品及其必要性十分有限;关于交叉销售的法规和管理也严重缺乏;在应用交叉销售之前,还需做好大量的数据理清、转化和集成工作,需要强化网络基础,优化法律环境,深化金融改革;金融业运用交叉销售是不可逆转的趋势,其在中国的应用只是时间问题。 相似文献
203.
Jacquelyn D. Wiersma H. Harrington Cleveland Veronica Herrera Judith L. Fischer 《Journal of marriage and the family》2010,72(2):360-374
Using data from the National Longitudinal Study of Adolescent Health, this study examined intimate partner violence (IPV) and drinking partnerships in 741 young adults in male‐female dating, cohabitating, and married relationships. Cluster analyses revealed four similar kinds of drinking partnerships: (a) congruent light and infrequent, (b) discrepant male heavy and frequent, (c) discrepant female heavy and infrequent, and (d) congruent moderate/heavy‐frequent drinkers. Overall, there were no significant main effect differences across relationship type and clusters. The type of relationship and the type of drinking partnership interacted with contexts examined (i.e., type of violence severity, gender, and whether the violence was perpetration or victimization). Given the severity of IPV in couple relationships, additional empirical attention to drinking partnerships is warranted. 相似文献
204.
Duan Peng 《Journal of Children and Poverty》2010,16(1):1-45
This paper examines the relationship between various types of child care during the first year of a child's life and the child's language and social development measured at age three. A unique contribution of the paper is the estimation of a general selection-correction model that accounts for non-random selection of children into different types of child care. The analysis uses data from the Fragile Families and Child Wellbeing Study (FFCWS), a birth cohort of children born to predominantly low-income single mothers. The results indicate that compared with maternal care, relative care during infancy has more beneficial effects on a child's language development, while day care centers have more beneficial effects on a child's behavioral development. 相似文献
205.
Pavel Shlossberg 《Cultural Studies》2018,32(3):414-437
ABSTRACTBased on two years of ethnographic fieldwork traveling with three ‘artesanos’ (mask-makers) from rural Michoacan and ‘studying up’ as they circulated through fairs and folk art competitions across Mexico, this paper describes how indigenous artists in rural Michoacan are routinely incentivized and sometimes cudgeled within majoritarian institutions of art in Mexico to enact self-racializing stereotypes and stigmatized indigenous identities and to produce and showcase the so called traditional works and performances that conform to static and primitivist stereotypes. At play here is the interlinked legacy and persistence of paternalism, indigenismo, nationalism, and primitivism. These logics continue to play out in reconstituted terms beyond or after the legal, political, and official embrace of pluriculturalism and the multiethnic community in Mexico. The embedded ethnographic vignette and the analysis that follows suggests how a strategy of ‘studying-up’ into coloniality furthers the delinking program. In line with the strategy of delinking, the ethnographic and conceptual work in this article proceeds by decentring or provincializing a set of dichotomous or binary oppositions that are commonly expressed and articulated within the Mexican heritage field, which would oppose indigenous tradition and culture against urban and mestizo modernity, civilization, and culture. The analysis diverges from a common or dominant approach to delinking in one crucial way – it does not engage in ‘borderthinking’ by looking towards the margins; it does not counterpose subaltern indigenous knowledge with privileged occidental knowledge. Instead, presenting an analysis that ‘studies up’, the paper applies the tools of decolonial theory and method and critical theory to analyse and interrogate elite Mexican patrimonial institutions and culture, which in fact epitomize coloniality and engender indigenous vulnerability. The article concludes by discussing the value and the potential pitfalls of this approach, in order to further the decolonizing project from within the space of cultural studies. 相似文献
206.
Brian W. Haas 《Intercultural Education》2018,29(5-6):571-588
ABSTRACTStudying abroad (SA) represents a valuable experience for many students within higher education settings. Recently, the number of students choosing to SA within higher education has risen. Quantitative and qualitative research indicates that SA improves learning as related to ancillary types of learning outcomes, such as with cultural awareness (CA). CA is knowledge gained about similarities and differences among and between cultural groups. The goal of the present quantitative review was to compile and evaluate, in a comprehensive manner, published findings, addressing the impact of SA in higher education on CA. To accomplish this goal, articles reporting empirical results were collected, and effect sizes for statistical comparisons were calculated. Across 28 independent studies, SA was found to be associated with marked increases in CA (mean effect size, d = 0.569). A critical evaluation of empirical studies on SA and CA shows many important flaws and limitations. Many studies are based on self-report data derived from relatively small samples of US students studying abroad for 1 year or less. This quantitative review provides support for the hypothesis that SA may improve CA, but also demonstrates the need for further rigorous research to be conducted in this area. 相似文献
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Emerging studies have suggested a possible link between food hardship and depression; however, empirical knowledge is limited. In South Korea, more public discussion has been conducted regarding the prevalence and consequences of food insecurity on mental health. To begin to address the knowledge gap, we applied family stress theory and investigated the association of food insecurity with depression in South Korea. We employed observational data from the Korea Welfare Panel Study, the first data to draw on food insecurity information from a nationally representative sample in Korea. Our sample consisted of 744 non‐elderly household heads. The independent variable “food insecurity” was measured using a six‐item scale adapted from the United States Department of Agriculture Food Security Scale. The dependent variable “depression” was measured using 11 questions from the Center for Epidemiologic Studies Depression Scale adapted for Koreans. After controlling for income, material hardship, and other factors, our ordinary least squares regression findings show that food insecurity significantly predicts depression. Our findings are consistent whether food insecurity is measured on a continuum or in categorical groups. More research and empirical evidence should be shared to provide legitimate grounds for policy interventions that address and prevent food insecurity and mental health issues. 相似文献
210.
This study aims to identify the effects of social participation on depression among adults over 60 years old living alone in Korea, focusing on the mediating effect of health‐related behavior on the social participation–depression relationship. The study relies on secondary data analysis using the 6th wave of the Korea Longitudinal Study of Ageing, and structural equation modeling method was employed for analyses. The findings indicate that older adults' participation in religious and social gatherings decreases depressive symptoms. The study also finds that regular eating behavior, drinking, and exercise also act as significant mediators, as older adults' participation in social gatherings is associated with those health‐related behaviors and that they also reduce depression. The results suggest that social participation by older adults who live alone is crucial not only for providing them with support but also for encouraging health‐related activities that can have direct effects on their mental health. Implications for social work practice are also discussed. 相似文献