数字金融对农民创业决策的影响

随着信息技术的发展,数字金融为农民减轻融资压力提供了一个新的途径。利用三峡库区农民创业行为的调研数据,采用Probit模型分析金融素养对农民创业的影响,引入数字金融使用、社会资本这两个关键变量,探讨数字金融和社会资本的中介及调节作用,通过更换模型及缩小样本量的方法进行稳健性检验,结果显示：金融素养对农民创业决策具有显著正向影响,数字金融在金融素养与农民创业决策中具有部分中介效应;同时,一般社会资本负向调节金融素养与数字金融之间的关系;特殊社会资本正向调节数字金融与农民创业决策之间的关系。因此,应该重视提高农民的金融素养水平,加强数字金融基础设施建设,完善农村金融风险系统。     

南宁区域性金融中心的目标定位与路径规划

广西北部湾经济区开发建设亟需强有力的金融支持。构建南宁区域性金融中心,是创新区域经济发展模式,提升区域经济开发建设成效的战略抉择。但其约束性条件也是明显的。南宁区域性金融中心应建成以区域经济发展为依托,以满足区域发展资金需求为特征的区域性筹资型金融中心,而实现这一目标定位须实行"三步走"的发展战略。     

广西县域金融发展的悖论关系研究

通过对广西县域金融的现状研究发现,广西县域金融发展悖论关系主要有县域经济快速发展与县域金融规模收缩相悖,县域企业弱质与金融机构风险控制强化相悖,以及县域资金供给不足与大量信贷资金外流相悖等三个方面。解决这些问题应从发挥政策性金融支持功能,深化农村金融改革,鼓励民营银行进军县域金融市场以及规范民间金融和完善金融生态等方面考虑。     

我国商业银行个人理财业务探析

个人理财业务为商业银行带来新的利润增长点,有利于改善商业银行资产负债结构发展个人理财业务是更好应对外资银行进入挑战的必然选择。我国商业银行发展个人理财业务必须加强对居民理财意识的教育,加快差异化产品和服务的开发,加强客户经理队伍建设,切实提高营销水平,缺乏严谨、高效的业务管理机制,给予个人理财业务政策扶持,建立个人信用体系。     

关于深化我国农村财税分配体制改革的思考

我国现行的财税分配体制客观上存在着对农村收入分配上的公共"越位"与支出分配上的公共"缺位"现象,这种不合理的分配现象,不仅违背了城乡之间公共分配的公平化原则,加剧了城乡二元化矛盾,也在很大程度上制约了我国农村经济发展与农村社会进步,因此,必须从贯彻平等的国民待遇原则出发,改革我国现行财税分配体制。     

Work in the shadow of finance: Rethinking Joan Acker's materialist feminist sociology

To commemorate the life and work of Joan Acker, this article focuses on the jewel in the crown of her extensive oeuvre: ‘Hierarchies, Jobs and Bodies: A Theory of Gendered Organizations'. I take as my focus the significance of ‘Hierarchies, Jobs and Bodies' for the development of theorizations of labour and especially for theorizations of post‐Fordist work and working. In so doing, I trace the impact of Acker's interventions across a number of bodies of research and sets of debates across the nearly three decades since its publication. But in addition to tracing this impact, I ask if the relevance of ‘Hierarchies, Jobs and Bodies' still holds today. Does this relevance still hold in a context where finance institutions rather than work organizations have emerged as the key institutions of societal discipline and control? In opening out this line of questioning my intention is to advance the broad project to which Acker was firmly committed, namely, the project of materialist feminist sociology.     

Revisiting calendar effects in Malaysian finance stocks market: Evidence from threshold GARCH (TGARCH) model

Recent research reveals that calendar effects have largely disappeared from stock markets. However, majority of the past studies focus on stock markets at the aggregate level but do not provide firm-level evidence. Therefore, this study investigates day-of-the-week and month-of-the-year effects in Malaysian finance stocks market for the period 1/1/1997–31/12/2014. The empirical results from threshold GARCH (TGARCH) model suggest that certain daily and monthly seasonality effects are prevalent along with asymmetric news effect. The findings of study indicate inefficiency in the weak-form sense, implying that it is possible for investors to obtain the observed abnormal returns by using timing strategies.     

The field of graduate recruitment: leading financial and consultancy firms and elite class formation

The symbolic value of being recruited by a high status multinational company likely represents an important marker of distinction. For the first time, a unique Destinations of Leavers in Higher Education (DLHE) data‐set is used here to model entry to elite multinational company in finance, accountancy and consultancy sectors among graduates of different social origins, universities, degree subjects and with different degree classifications. From a sample of 11,755 graduates working across these three sectors, we examine what predicts entry to 31 leading firms and then examine pay hierarchies among the 3,260 graduates working for these companies using random‐effects models. At first glance, significantly, we find that elite recruits come from a much broader range of universities than might be imagined. However, a closer look at the highest paid graduates within these firms reveals more familiar patterns of social and institutional stratification. We argue that these patterns likely reflect the nature of work undertaken by graduates in these elite firms, with institutional and social origins of graduates differing according to the particular track taken in what are likely to be highly differentiated graduate recruitment schemes.     

Financing urban growth in China: A case study of Guangzhou

Rapid urban growth has become a global phenomenon. As these city populations expand, urban governance is even more of a daunting challenge in many countries. China is not an exception. It is at once a transitional state still undergoing urbanization and economic development; it is also currently experiencing a slowing economy. China's cities must simultaneously continue to improve the quality of urban life while maintaining social stability. Using the city of Guangzhou as an example of China's mega-cities, this study explores the financing strategies used by Chinese cities to manage urban growth. While economic growth has always been the main priority, Guangzhou's strategy has not followed China's traditional approach of growth for growth's sake; instead, it is relying on investment in innovation and transportation to promote the local economy. Education is also being stressed as a means of fostering human resources. However, undisciplined infrastructure financing and ineffective intergovernmental fiscal relations are jeopardizing the city's fiscal sustainability. To correct this will require further reforms of China's fiscal system and a careful sequencing of reforms to maintain a sustainable growth in the urban area.