我国银行保险发展探析

在分析欧洲银行保险迅猛发展的基础上,剖析了起步阶段我国银行保险发展中存在的问题,着重提出了发展我国银行保险的对策:(1)进行保险产品和服务的创新;(2)保险公司信息技术系统的改进与完善;(3)加强银保合作监管。银行保险;银保合作;兼业代理     

Costs and Rewards of Children: The Effects of Becoming a Parent on Adults' Lives

How do new parents differ from their childless counterparts in social and psychological resources, daily strains, and psychological well‐being? Using a nationally representative panel of 1,933 adults who were childless at the first interview, we compare 6 indicators of adults' lives for those who became parents and those remaining childless several years later, controlling for earlier states. Becoming a parent is both detrimental and rewarding. With the exception of social integration, which is greater for all groups of new parents compared with their childless counterparts, the effects of parental status on adults' lives vary markedly by gender and marital status. Unmarried parents report lower self‐efficacy and higher depression than their childless counterparts. Married mothers' lives are marked by more housework and more marital conflict but less depression than their childless counterparts. Parental status has little influence on the lives of married men.     

Valuation of childhood risk reduction: the importance of age, risk preferences, and perspective.

This article explores two problems analysts face in determining how to estimate values for children's health and safety risk reductions. The first addresses the question: Do willingness‐to‐pay estimates for health risk changes differ across children and adults and, if so, how? To answer this question, the article first examines the potential effects of age and risk preferences on willingness to pay. A summary of the literature reporting empirical evidence of differences between willingness to pay for adult health and safety risk reductions and willingness to pay for health and safety risk reductions in children is also provided. The second dimension of the problem is a more fundamental issue: Whose perspective is relevant when valuing children's health effects—society's, children's, adults‐as‐children, or parents'? Each perspective is considered, followed ultimately by the conclusion that adopting a parental perspective through an intrahousehold allocation model seems closest to meeting the needs of the estimation problem at hand. A policy example in which the choice of perspective affects the outcome of a regulatory benefit‐cost analysis rounds out the article and emphasizes the importance of perspective.     

福利多元主义视角下的社区福利

随着经济体制的改革,“单位人”向“社区人”转变,社区福利成为社会成员普遍性的需求。但目前我国的社区福利存在着行政化、非专业化等一系列问题,社区内缺少成熟的、有活力的社会团体,严重影响了社区居民对于福利的可及性和可得性。本文尝试从福利多元主义的视角,在福利服务领域引入非营利组织,并重点讨论政府的角色转变以及与这些志愿组织和社会团体的合作关系。     

论委托代理关系与会计控制权

会计控制权作为现代企业的一种权利安排，对代理关系机制和企业发展有重　要的影响。现代企业的会计控制权主要掌握在代理人一方，由于代理人与委托人之间在目标　利益上的不一致性，代理人可能利用对会计控制权的实际控制优势对会计信息进行盈余管理　甚至非法操纵，损害委托人的利益。因此，必须完善委托代理机制，加强对会计控制权的约　束和控制力度。     

The Experience of Gender Change in Public Sector Organizations

The state has a twofold relationship to gender change in society, through its overall steering capacity and through the gendered character of its constituent agencies. It is therefore important to understand the experience of gender change in state organizations. The findings from a study of gender relations in ten public‐sector worksites in New South Wales, Australia are presented. There is a widespread consciousness of gender change linked with new labour processes, restructuring and new patterns of management. These changes are uneven and limits to change are visible. Gender is recognized as an organizational problem in specific circumstances, most visibly where men’s resistance to change appears. A number of mechanisms limit the consciousness of gender as a problem. Several trends, including the current strength of neo‐liberalism, converge to make the gender‐neutral workplace the principal goal of gender reform in the public‐sector workplace. This, however, limits the state’s steering capacity in regard to societal gender relations.     

Collapsing the Boundaries? Fatherhood,Organization and Home‐Working

In the modern western world, the discursive construction of fatherhood and everyday fathering practices has been underpinned by the spatial separation of work from home, of public from private. However, increasing numbers of employees are now working from home and a disproportionate number of these are men with young children. This article draws on new empirical research to examine the implications for fathers and for organizations as home‐working disrupts earlier spatial configurations of fatherhood and fathering practices. The article concludes that as the spatial boundaries between home and work collapse, new accommodations between fatherhood/fathering and organization are emerging. However, these are underpinned by a traditional gender division of labour in the household. More broadly, these findings confirm the inadequacy of static distinctions between public and private, showing that while such distinctions are still used to mark space and time, this is relational, contingent and unstable.     

Threshold decisions: how social workers prioritize referrals of child concern

This paper examines local authority social workers' decision‐making when considering referrals of children, where the concerns are on the margin of child protection procedures. In doing so, it describes the findings of a qualitative research study undertaken in the policy context of attempts to ‘refocus’ social work practice in the late 1990s and early twenty‐first century. Data collection involved interviews with social workers and parents in 23 cases. Conclusions are that referrals were evaluated on the basis of five key factors, specificity, severity, risk, parental accountability and corroboration, the use of which determined whether an initial assessment or an investigation of alleged abuse took place. The analysis builds on previous work in the child protection field, but demonstrates how the application of these factors differs between cases of child concern and cases of child protection. Policy implications concern the complexity of decision‐making in the uncertain context of limited referral information and it is proposed that the simplistic notion of a continuum of abuse is now outdated. Copyright © 2006 John Wiley & Sons, Ltd.     

Child‐Care Usage and Mother‐Infant “Quality Time”

Mothers' time‐use patterns were compared in families in which infants spent more than 30 hours per week in child care (In‐Care group; n= 143) versus 0 hours per week (At‐Home group; n= 183) from birth to 6 months of age. In‐Care group mothers spent about 12 fewer hours per week interacting with their infants, for about 32% less time; fathers of these infants were more involved in caregiving. The groups did not differ in the quality of mother‐infant interaction. In the In‐Care group, quantity of interaction was related to greater separation anxiety and concerns about effects of maternal employment. Time‐use data were not related to child outcomes at 15 months of age. Results suggest that the effect of extensive time spent apart on the quantity and quality of mother‐infant interaction may be smaller than anticipated.     

Premarital Cohabitation and Housework: Couples in Cross‐National Perspective

The authors examine the effect of premarital cohabitation on the division of household labor in 22 countries. First, women do more routine housework than men in all countries. Second, married couples that cohabited before marriage have a more equal division of housework. Third, national cohabitation rates have equalizing effects on couples regardless of their own cohabitation experience. However, the influence of cohabitation rates is only observed in countries with higher levels of overall gender equality. The authors conclude that the trend toward increasing cohabitation may be part of a broader social trend toward a more egalitarian division of housework.