企业品牌资本内涵研究

基于企业实践和理论创新的需要,作者通过对品牌资产相关度较高的几个范畴进行辨析,以资本的经典理论作支撑,结合现代品牌研究的最新进展,对品牌资本内涵作了全新阐释,给出了分析品牌资本的新框架。     

企业信息化建设过程中如何应对电子商务的挑战

随着信息技术的飞速发展,电子商务越来越多地受到企业的重视。企业信息化是电子商务的基础, 同时电子商务也是企业信息化的动力之一。     

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。     

顾客满意与产品开发

追求顾客满意是现代企业对市场竞争本质的深刻认识 ,其实质是创造忠诚顾客 ,实现企业的长期盈利。产品是联结企业与顾客的纽带 ,企业应当为顾客创造产品的价值 ,从顾客的需求和利益出发 ,以顾客的价值评价尺度对产品进行设计 ,不断地开发出功能优化和附加值高的产品。通过向顾客提供满意的产品 ,使顾客对企业产生忠诚感 ,最终实现顾客利益和企业效益的统一     

我国企业管理信息系统的发展——计算机辅助企业管理分析

管理信息系统(Management Information Systems—MIS)是一种现代化企业管理的方法或手段,它已经在经济发达的国家里被广泛采用.我国的MIS开发应用虽然起步晚了一些,但经过近十几年来的发展。在总量上也具有一定的规模.有成功的经验。也有失败的教训.其原因众说纷纭。但很少有较系统地加以总结的.本文将在国内外、特别是国内现有的关于这方面研究的基础上,作一些较为全面综合的分析,并在此基础上对我国企业今后的MIS开发应用提出若干建议.     

企业慈善行为的时代价值与实践探索

企业慈善行为是企业与社会的双赢选择。企业慈善行为可以促进慈善事业的发展,达到整合社区资源、促进社区发展的目的,在更为广阔的社会系统中表达一种“关爱与和谐”的理想与信念。同时,企业慈善行为有利于提升企业自身形象,提高企业的销售业绩,增进企业内部的凝聚力。中国企业应大力参与慈善事业,开创和谐社会下企业与社会的双赢局面。     

Pricing and momentum of syndicated credit in Europe

We investigate the determinants of syndicated loan prices for European borrowers, spanning the entire period of credit expansion and crisis. We construct a large data base consisting of 2102 rated syndicated loan deals from 1990 to 2008 in twenty three countries and ten economic sectors. We investigate the effects on the spread paid over the risk free rate of three major groups of factors: loan characteristics, borrower characteristics and characteristics of country of the borrower, using both qualitative and quantitative variables in a hedonic regression. The results show that all three groups are significant joint determinants of prices of syndicated credit. Our results confirm the existing literature but also provide for first time results stemming form the risk characteristics of the borrower and the country of the borrower. It is shown that distance-to-default as well as aggregate risk associated with country of the borrower are of great concern to the lenders and hence significantly affect the pricing of syndicated loans. Furthermore, we report that financial institutions and public utilities are able to negotiate for cheaper loans, but this result is reversed when financing is for acquisition purposes. Overall, risk, liquidity, solvency and sustainable performance by both the borrower and its domicile country are key determinants of syndicated loan prices.     

新时期地方政府诚信问题分析

诚信是社会主义核心价值观的重要内容,是发展市场经济和构建和谐社会的基石。地方政府诚信处于社会诚信体系的核心地位,对经济健康发展与社会和谐进步具有决定性影响。新的历史时期,地方政府诚信缺失问题突出,对区域发展、社会和谐和政府权威等构成了危害和挑战。本文在分析地方政府诚信现状的基础上,剖析了地方政府失信的成因,有针对性地提出了加强地方政府诚信建设的对策建议。     

欧洲学分转换与积累系统:发展历程、运行机制及启示

创立于1989年的欧洲学分转换与积累系统经历了萌芽、确立、推广和完善四个阶段,从仅具有转换单一功能发展到具有转换与积累双重功能,从只为高等教育服务拓展到为终身教育服务,在欧盟教育发展中扮演了重要角色。分析欧洲学分转换与积累系统的运行机制,剖析其关键要素、运行流程、证明文件等,对于中国区域学分银行的建设具有如下启示:加强法律政策保障、着眼组织保障、强化校际合作、开发系统平台和完善核心要素。     

Continuous Time Wishart Process for Stochastic Risk

Risks are usually represented and measured by volatility–covolatility matrices. Wishart processes are models for a dynamic analysis of multivariate risk and describe the evolution of stochastic volatility–covolatility matrices, constrained to be symmetric positive definite. The autoregressive Wishart process (WAR) is the multivariate extension of the Cox, Ingersoll, Ross (CIR) process introduced for scalar stochastic volatility. As a CIR process it allows for closed-form solutions for a number of financial problems, such as term structure of T-bonds and corporate bonds, derivative pricing in a multivariate stochastic volatility model, and the structural model for credit risk. Moreover, the Wishart dynamics are very flexible and are serious competitors for less structural multivariate ARCH models.