河北省金融资源充分利用的路径选择

在开放的市场条件下,金融作为现代经济的核心,其资源的优化配置对区域经济发展有着及其重要的作用,本文根据河北省金融资源配置现状,分析了河北省金融资源利用中存在的问题,指出要充分利用河北省金融资源,必须从调整经济产业结构、改善金融生态环境、抑制金融资源外流和提高金融业自身水平做起。只有这样才能提高河北金融的竞争能力,促进河北经济的整体发展。     

浙江区域金融结构对产业集聚的影响研究 ——基于面板数据的实证分析

 以民营企业为基础的产业集聚群是浙江经济快速发展的重要原因。然而产业集聚的形成依赖于一定的外部环境,特别是对于资金的需求和金融结构有特殊的要求。本文通过对浙江11个市2000-2007年的面板数据,分析不同的金融结构对产业集聚的影响。并根据研究结论,提出了优化区域金融结构,促进浙江产业集聚群健康发展的对策建议。     

金融危机对我国劳动力就业的影响

现阶段,由美国次贷危机引发的金融危机席卷全球,在全球经济一体化背景下,我国自然无法置身事外。金融危机对我国的影响表现在方方面面,其中对劳动力就业的冲击是最重要的问题之一。在现阶段的就业问题中,大学生就业和农民工返乡成为最为重要的两个方面。要应对金融危机对我国劳动力就业的影响,缓解就业压力,需要中央、地方政府、企业和个人的密切配合,从多方面入手寻求解决问题的根本途径。     

出生率变化对高等教育的影响研究

建国以来,我国出生率发生了重大转变,随着90年代以来人口出生率的逐年下降,我国高等教育将面临学生数量下滑趋势,未来高等院校将会出现生源不足的困境。但是,由于目前我国高等教育入学率还比较低,加之政府财政时高等教育支持的力度也还有很大提升空阅,因此,尽管出生率会不断下降,但对高等院校整体上生存不会受太大的影响。     

Elementary Preservice Teachers’ and Teacher Educators’ Perceptions of Financial Literacy Education

The authors conducted an online survey of elementary teacher education programs within a large midwestern state to assess preservice teachers’ and teacher educators’ beliefs about and preparedness to teach financial literacy. Very few preservice teachers had meaningful experiences with personal finance in high school, college, or personal decision making. No teacher educators reported ever teaching financial literacy in their higher education roles. Only 13% of teacher educators and 25% of preservice teachers thought that it was very important to teach financial literacy in elementary education. Most teacher education faculty and preservice teachers reported that they were not well qualified to use state economics standards or the JumpStart standards for financial literacy. Preservice teachers were more confident in meeting financial literacy standards than teacher educators. Both preservice teachers and teacher educators expressed openness to collaborating with other faculty members, members of the financial service industry, and parents to teach financial literacy. Follow-up phone interviews affirmed that elementary preservice teachers and teacher educators value social studies education (and financial literacy) less than reading and mathematics education. Qualitative results also suggest that elementary preservice teachers and teacher educators would like more easily accessible resources for teaching financial literacy.     

A Bayesian model for multiple change point to extremes,with application to environmental and financial data

Abrupt changes often occur for environmental and financial time series. Most often, these changes are due to human intervention. Change point analysis is a statistical tool used to analyze sudden changes in observations along the time series. In this paper, we propose a Bayesian model for extreme values for environmental and economic datasets that present a typical change point behavior. The model proposed in this paper addresses the situation in which more than one change point can occur in a time series. By analyzing maxima, the distribution of each regime is a generalized extreme value distribution. In this model, the change points are unknown and considered parameters to be estimated. Simulations of extremes with two change points showed that the proposed algorithm can recover the true values of the parameters, in addition to detecting the true change points in different configurations. Also, the number of change points was a problem to be considered, and the Bayesian estimation can correctly identify the correct number of change points for each application. Environmental and financial data were analyzed and results showed the importance of considering the change point in the data and revealed that this change of regime brought about an increase in the return levels, increasing the number of floods in cities around the rivers. Stock market levels showed the necessity of a model with three different regimes.     

Note From Iran: Self-Reported Elder Abuse in Qazvin, 2012

This brief report provides a first look at self-reported instances of elder abuse by a sample of people 60 years and older living in Qazvin, Iran. Six hundred community-dwelling persons, drawn from the registry files of each health center in Qazin, completed questionnaires during April to October 2012. At least 80% of the participants reported experiencing some form of psychological abuse, financial abuse, and/or neglect at least once during a 2-month period. Physical and sexual abuse were rarely reported. Despite a strong Iranian cultural emphasis on respect for elders, the self-reporting of elder abuse, especially psychological abuse, is greater than our expectation. We recommend that health-related policies and programs begin to identify elder abuse and neglect as a first step in prevention.     

高校金融学研究中的问题探讨

本文针对中国高等学校金融学理论研究存在与市场脱节的问题 ,呼请我国金融学术界 ,首先需要完成研究范畴的国际接轨和研究方法的规范化历程 ;然后对现代金融理论的体系架构、模型构造和参数设定进行认真思考、仔细研究 ,从而对中国资本市场的发展和运行进行深入分析 ,实现金融学研究的本土化和国际化。     

振兴东北老工业基地的金融支持

区域经济发展的差异与国家现行的统一的金融政策在制度安排上的不一致,构成了现行的金融政策制度与振兴东北老工业基地之间的基本矛盾。以金融结构论、金融深化论、金融约束论为代表的发展金融学,对制定振兴东北老工业基地的金融支持政策,具有重要的理论指导作用。振兴东北老工业基地金融支持的具体措施包括:发展风险投资事业;设立东北老工业基地振兴基金;组建东北振兴银行;化解银行不良资产。     

财务风险的认识及防范

对企业而言 ,由于资本结构的不同而形成的财务风险是一柄双刃剑 ,使用得当 ,它可以提高企业利润 ,增加股东财富 ;反之 ,安排欠妥 ,它会加速企业亏损甚至破产。因此掌握好有关财务风险的基本内容 ,学会如何有效地利用财务杠杆工具 ,防范财务风险 ,显得尤为重要。对财务风险的防范并非意味着去减少或消灭它 ,而是运用管理会计的思想和方法 ,加强内部管理 ,其目的是改善经营管理 ,提高经济效益。