我国区域金融发展与经济增长的关系研究——基于面板数据的实证研究

运用1980—2004年间相应经济指标的面板数据对我国东、中、西部经济增长与金融发展进行了实证分析,结果表明,中西部地区更多的依靠信贷规模扩张来推动经济增长,而东部地区更多的依赖于金融效率的提升。     

试论语用原则在听力教学中的应用

听力课教学是整个英语语言教学中不容忽视的重要环节。本文对在听力教学过程中语用原则的应用作了初步探讨,以求解决一些外语教学中长期存在的问题。全文以合作原则在听力教学中对会话含义的推导作用为中心,提示了人们在会话中都不同程度地遵守语用原则,因而掌握好语用原则有助于听力教学水平的提高。     

中国商业银行的现状分析

国有商业银行是我国金融体系的主体,但由于长期受计划经济的影响,国有商业银行远远不能适应市场经济,特别是金融全球化发展趋势的需要。作者针对我国四大国有商业银行在机构设置、业务经营、管理手段以及金融创新等方面存在的问题,提出收缩管理半径,减员增效;实行本币与外币业务经营及管理一体化;强化商业银行市场营销;提高金融电子化水平,开展和完善网上银行业务;加强国有商业银行内部风险控制等有效对策,完善网上银行的运行机制,加强国有商业银行的竞争力。     

Responsibility,planning and risk management: moralizing everyday finance through financial education

The individualization, privatization and marketization of risk management represent a fundamental dimension of the financialization of everyday life. As individuals are required to engage with financial products and services as the main way of protecting themselves from risks and uncertainties, their economic welfare and security are construed as depending largely on their own financial decisions. Within this setting, the concept of financial literacy and accompanying practices of financial education have emerged as a prominent institutional field handling the formulation and communication of the attributes and dispositions that arguably constitute the proper financial actor. This article analyzes financial education programmes currently conducted by state agencies in Israel, examining the notions and principles they articulate when defining and explaining proper financial conduct. The study indicates that moral themes and categories occupy a salient place in the formulation of the character traits that constitute the desired literate financial actor. Notions of individual responsibility, planning ahead and rational risk management are presented not merely as instrumental resources, but as moral imperatives. Through these notions, the programmes moralize a broad array of everyday practices of personal finance such as saving, investing, borrowing and budget management, thereby connecting the sphere of financial matters to the domain of moral virtues. Offering a representation of particular modes of financial conduct as constitutive components of morally virtuous personhood, these practices imbue the financial field as a whole, especially its current generalized logic of individualized and marketized risk management, with moral meanings, hence contributing to the normalization and depoliticization of the financialization of everyday life.     

网络借贷市场参与主体行为策略的演化博弈均衡分析——基于三方博弈的视角

由于监管缺失、信用风险管理缺位,导致网络借贷市场的违约事件持续出现,损害网络借贷市场的参与者利益。本文构建了一个包括网络借贷平台、金融监管机构和投资者的网络借贷市场参与主体的三方行为策略演化博弈模型,从演化博弈的角度分析了网络借贷平台、金融监管机构和投资者的策略选择对网络借贷市场运行的影响,并以拍拍贷平台为案例进行数值模拟分析。研究结果表明：不同初始值的三方博弈结果存在显著差异,网络借贷市场参与主体行为策略的演化博弈不具有稳定中心点、且不存在稳定的均衡点。另外,当金融监管机构采取"严格监管"措施时,惩罚值越高,网络借贷平台越倾向于选择"自律"的行为策略,随着投资者投资额度的增加,网络借贷平台选择"自律"行为策略的概率逐渐降低。最后,提出规范网络借贷市场参与者行为和风险控制的对策建议。     

Replica localization in East Asia: the case of the Asian hedge fund industry

Hedge funds exemplify complex finance in the global economy and are appearing in diverse national settings. One question that follows is whether hedge funds in the Asian region have been localized and exhibit significant differences to their US/UK counterparts or whether there is predominantly one global model. The analysis here point to the importance of what is called replica localization, wherein local control has entailed little deviation from the practices of Anglo-American hedge funds. Evidence generated from databases and interviews confirms the largely equivalent structures and strategies found in the new Asian hedge fund sector. The significance is that a small but growing Asian financial space has been carved out that is funded by Asian capital and managed by Asian elites but matches external models. To further delineate globalized finance, comparative research is needed to determine when and why complex finance is either present or absent outside of Anglo-American economies.     

基于功率约束及节点频谱选择的认知协同路由

为了提升认知无线网络的数据传输效率,优化节点能量负载,提出一种协同路由算法。基于覆盖与底层技术的协作设计一种协同网络架构,该架构针对网络频带表现多样化提供了一种新的频谱选择策略,提升频谱资源效用。结合协同网络频谱选择时的干扰特性,根据频谱、干扰和功率约束关系,提出最大化链路容量的频谱及节点功率分配方法。在协同路由设计上引入了频谱效用参数,参数的度量标准涉及节点剩余能量和链路容量,以优化路由节点能量负载和传输效率为目的。仿真对比结果表明,算法有效地利用信道接入机会进行数据转发,提高了传输效率,相比基于竞争进化算法的多播路由方法,数据包传递成功率提升了1．4％,平均网络吞吐量高出8．4％,平均节点剩余能量高出3．2％,在均衡节点负载上性能良好。     

对我国房地产信托投资的再思考

我国的房地产融资完全依赖商业银行,致使银行承担很高的信用风险,积聚经营风险。阐明为了减少银行信用风险,解决房地产融资问题,大力发展房地产信托投资的可行性;还运用经济学原理解释目前房地产信托投资的总体规模偏小的原因,并提出改善的方法。     

中央苏区时期毛泽东关于关心群众生活的重要论述及实践探析

毛泽东基于中央苏区各方面资源受局限的实际情况,从巩固新生苏维埃政权和提升群众生活水平出发,提出必须关心群众生活。毛泽东以群众组织起来为中心脉络,把建立具有集体经济性质的合作社作为制度前提,通过建立新的金融制度、开展反剥削的商业斗争和开办专业技术学校,全面实践关心群众生活的系列论述。当下,应当充分吸收毛泽东关心群众生活重要论述的精髓,坚持以人民为中心的发展理念,提升人民的获得感、幸福感和安全感,发挥人民群众的劳动创造力。