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.     

巡视制度的历史考察及借鉴意义

巡视制度是当前完善党内监督的重大举措 ,这种制度古而有之。以史为鉴 ,汲取经验 ,滋补今天的巡视工作 ,使之走上经常化、制度化和规范化的轨道     

白居易"中隐"及其对后世的影响

白居易"中隐"是以庄子的逍遥人生为理念,远离政治斗争的遂性自由的生存哲学和方式,其核心是"适",在适性逍遥的前提下,再安排对社会、家庭、国家、民族的责任.这是一种强调个体生命高于一切的现代人本主义精神,在儒家思想占据统治地位的专制集权社会,这一思想是超前的.而且,其适性逍遥并不是其最终的目标,其最终的目标是以适性逍遥为保证,实现自己的自由自在的艺术创造.故白居易"中隐"对后世苏轼、明代三袁均有很大影响,但毕竟时代不同了,这种影响终于以浪漫精神衰退为特点走向另一种形态.     

LENGTH-BIASING, CHARACTERIZATIONS OF LAWS AND THE MOMENT PROBLEM

A positive random variable X with a finite mean has an induced length-biased law represented by Y, and Y is stochastically larger than X. An independent uniform random contraction of Y, UY, has the same law as X if and only if the latter is exponential. This property is extended to non-uniform contractions and a more general notion of length-biasing. The distributional equality of X and W leads to a functional equation for the moment function of X, which has either Infinitely many solutions or none. When U is constant, X can have a log-normal law, but it can also have laws with the same moment sequence as this log-nod law. The case where U has a certain beta, or generalized beta, law give t3 characterizations of generalized gamma laws, or to products of independent copies of them. This occurs even when these laws are not determined by their moment sequences.     

论西部开发中区域货币金融政策的选择

西部经济发展落后的重要原因之一在于资金的短缺.要发展西部经济,缩小东西部差距,有必要制定区域(差别)货币金融政策,包括差别再贷款权政策、差别存款准备金率和贴现率政策、差别利率政策以及在西部开发中试行资本项目可兑换政策和积极培育西部资本市场,发展区域金融中心等.     

论行为管理手段的“四制”关系

管理行为不同层次的矛盾有其特殊性,可以选择不同的方法加以解决。制度在行为管理手段中有其适用范围,此外,机制、“人制”、自制也是行为管理的另外三种有效手段,这四种行为管理手段有着各自的特点和适用范围,有鉴别地应用好这四种行为管理手段,可以有效地解释行为管理的现象,并可指导行为管理实践。     

西方生育文化发展研究

西方生育文化源于原始的生殖崇拜,经历了由文艺复兴前生育文化、文艺复兴后生育文化和20世纪中期以来生育文化等几个阶段的发展,每一阶段上的生育观念、生育习俗、生育制度、生育理论都呈现出不同变化及特点。     

贾府的道教风俗及其“悲凉之雾”

道教的消灾祈祥法术在文学巨著《红楼梦》中得到了充分的展现:在贾府,无论主子或奴婢,有的佩戴护身符欲消灾避祸,“仙寿恒昌”;有的炼丹烧汞欲升为神仙;有的打醮设道场欲解除冤孽;有的作法欲诅咒他人等。然而,那些欲消灾者病缠身,欲成仙者命早亡,欲害人者先害己,落了个烟消云散的悲惨结局,无不笼罩着浓重的“悲凉之雾”。撩起悲凉的雾纱,可以窥探出曹雪芹对道教“助教化”无望又找不到“补天”良策的彷徨苦闷心情。曲曲悲歌实际是曹雪芹对道教信仰及其法术失灵的形象化宣泄和标示。     

语用学需要"顺应"潮流--顺应论的几个关键概念述评

作为一种具有创新意义的语用学理论,顺应论并没有像关联论那样引起语用研究者足够的重视,也没有产生应有的学术效应.它同关联论一样具有较强的理论解释力,因而值得人们深入研究.文章介绍了顺应论的理论要点,重点评述了顺应论四个关键概念做出选择、变异性、商讨性、顺应性,同时也呼吁语用学界应给予顺应论足够的关注.     

论魏晋南北朝时期儒学的衰落

魏晋南北朝时期是我国学术思想多元化发展时期。期间玄学兴盛,佛道流行,而在两汉居于统治思想地位的儒学却衰落不堪。本文从魏晋南北朝时期的社会特点、学术思想盛衰消长的客观情势以及儒学自身的状况去探究儒学衰落的原因,以有助于总结思想史发展的一般规律。