A Discrete Variable Chain Graph for Applicants for Credit

A bank offering unsecured personal loans may be interested in several related outcome variables, including defaulting on the repayments, early repayment or failing to take up an offered loan. Current predictive models used by banks typically consider such variables individually. However, the fact that they are related to each other, and to many interrelated potential predictor variables, suggests that graphical models may provide an attractive alternative solution. We developed such a model for a data set of 15 variables measured on a set of 14 000 applications for unsecured personal loans. The resulting global model of behaviour enabled us to identify several previously unsuspected relationships of considerable interest to the bank. For example, we discovered important but obscure relationships between taking out insurance, prior delinquency with a credit card and delinquency with the loan.     

广州的金融抗战之失陷前夕大撤退

全民族的抗日战争爆发后,以广州各银行为主体的华南地区金融机构即肩负经济作战之重任,以银行严整之阵容,运用金融之力量,与军事同时并进,贡献于国防和民生,在作出战时大撤退抉择后泰然自若,以极其简陋的交通工具成功突围,完整保存了华南地区金融的组织系统和金融实力。文章以第一手史料为背景,以全面抗战爆发到广州失陷为时段,从当时广州的经济金融秩序、战时产业的发展以及社会实情等角度,剖析了广州金融所起的作用以及所形成的历史和现实的意义。     

浅议中小企业应收账款管理问题

应收账款是企业流动资金的重要组成部分,也是企业收入中不确定的部分。如果企业应收账款积累过大且不能及时收回就会影响资金的周转和使用,会造成企业的现金流危机,尤其对于融资能力较弱的中小企业而言,应收账款能否及时收回更是企业生存和发展的关键。本文主要分析我国中小企业应收账款的现状及问题,并针对这些问题给出相应的解决措施。     

我国县域金融竞争力指标的设计与提升路径的研究——以连云港四县为样本的分析

县域金融作为推动县域经济发展的核心力量之一,其金融竞争力已成为县域金融发展的主要标志与目标。准确的界定金融竞争力内涵,科学的设计评价指标,对于明确一个县级地方的金融发展目标和措施至关重要。本文以区域金融竞争为理论基础,进一步探讨县域金融竞争力的基本内涵与外延,构建评价县域金融竞争力的指标体系,并以连云港四个典型县为分析样本,比较县金融竞争力的差距,并提出发展的导向建议,为全国县域经济与金融的耦合协同发展提供参考性蓝本。     

余额宝对互联网金融法律监管问题之启示

余额宝的横空出世在金融市场引起了不小的波澜。余额宝的出现不仅为市场提供了一种新的理财选择,某种程度上甚至在悄然改变人们的投资理念,同时这种金融创新引起了监管机构的注意。本文意在通过对余额宝进行介绍分析,并结合新兴的互联网金融的相关问题,说明其对法律监管问题的启示。     

黑沿子镇水产业发展与财政措施研究

文章依据黑沿子镇水产业的产业化经营现状 ,分析了黑沿子镇水产业的优势和潜力 ,指出水产业对于建设有黑沿子特色的重点小城镇及培植地方税源有重要现实意义。为了促进黑沿子镇水产产业的发展 ,进一步提高渔 (农 )民增收 ,发展壮大水产经济 ,文章着重针对目前存在的主要问题 ,从提高扶持水产业财政支农资金比重、集中财力支持重点水产项目发展、利用财政资金导向功能建立多元化水产业投入机制和强化水产业资金的规范化管理这四个方面 ,研究了基于财政政策的水产业发展措施。     

分税制以后锦州市县乡财政的实证分析

分税制以来 ,锦州市县乡财政仍然存在着税源结构单一、财政资金调度困难、债务沉重等问题 ,对此 ,应当借鉴经验 ,制定对策 ,以发展县乡经济 ,培植财源。     

Job stress, social support, job satisfaction and absenteeism among offshore oil personnel

The major aim of this study was to examine how job stress in the offshore working environment may affect workers experience of strain. This study also analyses both the main and moderator effect of social support on the association between job stress and strain. The association between strain and absenteeism is also analysed. The analyses are based on a self-completion questionnaire survey among employees on offshore oil installations in the Norwegian part of the North Sea (n = 1137). The data collection was carried out in 1994. A similar study was conducted in 1990. Job stress was found to be associated with job dissatisfaction, as well as experience of strain. Social support from a supervisor had a main effect on strain. Some evidence of the moderating effects of social support were found. The employees who had been absent from work experienced most strain. It is concluded that job stress predicted job dissatisfaction and strain. In turn, strain and absenteeism were associated with each other. These results suggest that improving organizational and social factors should be the focal area in health promotion in the offshore oil industry.     

中国城乡发展动力结构调整的思考——收入分配视角的分析

近三十年来,中国经济实现了持续高速增长,但增长动力结构失衡。在投资、消费、净出口三大需求对国民经济发展的拉动中,消费率偏低是一个不争的事实。消费率,即消费需求在支出法国内生产总值中所占的比重,反映的是从长期考察的一个国家在其发展过程中所处的历史阶段,而不是短期内国家宏观和微观的经济运行情况。它的高低适中不能用宏观和微观经济运行情况来判定,而是要看其是否与国家或地方的经济发展方式和路径相适应。中国经济发展正处于消费率由低转高的历史阶段,中国消费率的上升是一个渐进的过程,需要从宏观上实现一系列的国民收入分配机理运行工程,即劳动收入的国家干预工程、要素收入的二次分配工程、扩大公共消费工程和加大财政转移支付工程。     

六十华诞百年沧桑——辽宁大学及其前身的历史沿革与对校庆时间的抉择

辽宁大学是1958年由东北财经学院、沈阳师范学院、沈阳俄文专科学校合并而成.该三校的前身是东北商业专科学校、东北教育学院等12所东北的高校与东北人大(东大前身)等4所院校的部分系科或专业.作为辽宁大学沿革史上的重要组成部分东北商业专科学校,是我党建立的第一所专门商科高校,至今已是60华诞;其历史沿革的起点是,1906年清办的营口商业学堂,至今已是百年沧桑.