“双碳”视角下我国居民碳普惠:内涵、框架体系与政策建议

“双碳”目标是我国基于实现绿色低碳高质量发展内在要求而作出的重大战略决策,对于加快形成以国内大循环为主体、国内国际双循环相互促进的新发展格局,推动我国社会生产方式、生活方式和消费模式的全面绿色转型,具有重要促进作用。文章围绕居民碳普惠这一当前“双碳”背景下的热点研究问题,从居民碳普惠的概念、内涵、作用与意义三个视角分别展开分析,提出了对绿色支付、居民碳普惠的定义,在此基础上对居民碳普惠的框架体系进行了深入研究,设计了居民碳普惠“一体两翼”的框架体系,并对我国居民碳普惠发展的五个方面提出了进一步政策建议。     

湖北自贸试验区的制度创新:实践特征、理论内涵与政策启示

建设湖北自贸试验区是新发展阶段全面深化改革、扩大开放的系统性探索和战略实践,从动态演进论与制度变迁、制度经济学的交易成本论以及公共经济学的公共物品供需视角,对自贸试验区制度创新的理论逻辑与实践意义予以系统研究。研究发现,湖北自贸试验区围绕加快转变政府职能、深化投资领域改革、促进贸易转型升级、推动金融开放创新、创新驱动发展以及服务国家战略等方面展开了一系列制度创新实践,逐步形成由浅入深、由线下向线上线下协同发展、由共性领域向特色领域逐步延伸、从前项到末端统筹安排、借鉴与创新并举以及集中推广与自主运用相结合的改革创新发展路径。研究认为,推动湖北自贸试验区的制度创新,充分发挥其在破解地方深层次结构性发展矛盾和扩展增长赋能空间上的功能内涵,需要在顶层制度设计方面,加强与国内国际双循环新发展格局相互衔接,通过完善监管体系设计、提升行政服务效率来转变政府监管职能和健全市场监管,构建由法律法规、行政规章、规范性文件共同组成的、与国际规范兼容协调的法制框架和政策体系,统筹为国家试制度、出经验的全局性战略目标与谋求为地区经济发展注活力、添动力的局部性现实需求之间的激励导向; 在具体实施路径层面,持续优化开放平台、营商环境和加强口岸智慧功能建设,着力培育和强化大城市、大枢纽、大口岸、大平台、大产业以及一流的营商环境等,构建开放型经济新体制和多维量化评估指标体系,实现自贸试验区制度创新实践探索、经验成效审视验证、赋能社会经济发展以及长远建设规划目标的有机协调统一,助力湖北建设新时代内陆开放新高地。     

Financial manager's perception of rural household Economie Well-Being: Development and testing of a composite measure

An index of Perceived Economic Well-Being is constructed using factor analysis and tested for reliability and validity. The index is composed of (a) perceived income adequacy, and satisfaction with (b) current total household income, (c) amount of money your family is able to save, (d) amount of current debt, (e) level of consumption, (f) amount of household net worth, and (g) resources available to meet a financial emergency. The index is used in regression analysis. Results show that financial managers perceive economic well-being more favorably if they are more satisfied with resources and with the current level of living, view the present financial situation as better compared to 5 years ago, save on a regular basis for goal(s), and have a higher income. Financial managers who report more frequent financial problems, worry more about where money would come from to pay bills, and more frequently make only minimum payments on charge accounts perceive economic well-being less favorably.Preparation of this research was supported in part by the Illinois Agricultural Experiment Station. Data were collected in conjunction with the cooperative regional research project NC-182, Family Resource Utilization as a Factor in Determining Economic Well-Being of Rural Families. Cooperating states are Arizona, California, Illinois, Indiana, Iowa, Kansas, Michigan, and Minnesota.He received his Ph.D. from the University of Illinois in 1991 with Dr. Fitzsimmons as advisor. His current research interest is economic well-being.She received her Ph.D. from the University of Illinois; her current research interests include gender roles, family financial management, and economic well-being.     

Financial management: Development of scales

This study is a contribution to the development of family resource management scales, specifically financial management scales. Principal axis factor analysis, with varimax rotation, is used to assess underlying relationships in 23 family resource management variables related to time and money resources. Reliability and content, construct, and criterion-related validity of the scales are assessed. Two scales that are reliable and have some degree of validity are developed: frequency of financial problems and frequency of financial management. The scales could be used in future research, teaching, or counseling to organize financial management concepts.Preparation of this research was supported in part by the Illinois Agricultural Experiment Station. Data were collected in conjunction with the cooperative regional research project NC-182, Family Resource Utilization as a Factor in Determining Economic Well-Being of Rural Families. Cooperating states are Arizona, California, Illinois, Indiana, Iowa, Kansas, Michigan, and Minnesota.She received her Ph.D. from the University of Illinois; her current research interests include gender roles, family financial management, and economic well-being.Her current research interests include family financial management and consumer bankruptcy. She received her Ph.D. from the University of Missouri.Her current research interests include the economic well-being of various family forms. She received her Ph.D. from the University of Illinois.She received her Ph.D. from the University of Illinois. Her research interests are economic well-being and quality of life.     

Factors associated with expectation of household's future financial condition

Path analysis is used to examine the causal relationships among selected objective and subjective factors associated with a household's expectation of future financial condition. Results indicate that respondents who perceive the effect of changes in the external environment on their own household's financial condition as positive are younger, have higher net worth, perceive more internal control over their situation, and report that most of the changes in the external environment are positive. Respondents who are younger, have higher income, perceive more internal control over their situation, and believe the effect of changes in the external environment on their household's financial condition are positive are more likely to be optimistic about their financial future. It is important that educators and financial advisors recognize the significant role perception of being in control plays in determining expectations of future financial condition.Journal Paper No. J-15256 of the Iowa Agriculture and Home Economics Experiment Station, Project No. 2809. Data were collected in conjunction with the cooperative regional research project NC-182, Family Resource Utilization as a Factor in Determining Economic Well-Being of Rural Families. Cooperating states are Arizona, California, Illinois, Indiana, Iowa, Kansas, Michigan, and Minnesota.Her current research interests include family financial management and consumer bankruptcy; she received her Ph.D. from the University of Missouri.She received her Ph.D. from the University of Illinois; her current research interests include gender roles, family financial management, and economic well-being.She received her Ph.D. from the University of Illinois. Her research interests are economic well-being and quality of life.Her current research interests include the economic well-being of various family forms. She received her Ph.D. from the University of Illinois.     

金融网络的模型和优化

金融网络就是经济系统中资金循环,文献[1-8]研究了金融网络的模型。本文则在文献[1-8]金融网络模型的基础之上,建立了资产、负债、适度规模和价格的改进模型。这一改进模型考虑了所有经济部门的金融工具的风险、金融网络的经济资源约束、资产和负债的会计帐户约束等问题。模型的改进适用于应用。文章采用了进化规划算法,并依此进行仿真实验。     

我国财务危机公司投资行为的财务特征分析

在引入一个简化的理性财务危机公司投资模型的基础上,论文分析了企业陷入财务危机后,债权人与债务人之间在期权博弈过程中,企业在投资策略的选择上会偏离正常的投资行为的财务特征。在此基础上,重点分析了我国经济转轨时期财务危机公司严重地过度投资和在债务重组过程中的盲目性、短期性和功利性及其形成的主要原因。企业的过度投资是内部人控制和银行债权弱化的具体体现,虚假的债务重组是将危机转嫁给企业债权人的真正动因。     

Underlying Values and Consequences in Financial Services

The freeing of financial markets has brought with it increasing sophistication in regulatory regimes. Over time, a succession of frauds and financial scandals has emphasised some limitations of these complex regulatory schemes. This paper seeks to address the reasons for the events that have caused concern, and suggests that they are to be found principally in three categories: (1) the underlying values that drive financial services; (2) the assumptions and values of regulatory regimes, and (3) the increased opportunities to break or evade the rules. Some possible ways forward are sketched. This revised version was published online in July 2006 with corrections to the Cover Date.     

不同模型在财务预警实证中的比较研究

研究当前国内外公司财务困境预测问题的现状,寻找一套适合于我国企业的财务状况识别指标体系;然后依据该指标体系采用不同方法建立财务状况预测模型;最后,利用样本公司实际指标数据对各个模型的短期及中期预测效果进行了比较分析与实证研究。     

高新技术企业财务管理柔性研究

从系统的角度分析了高新技术企业财务管理的特点和不确定性,在此基础上提出了高新技术企业财务管理柔性的概念,构建了财务管理柔性、柔性净效益及其变动幅度的度量方法,运用预控图原理对财务管理柔性进行动态监控。应用实例表明,该方法易于操作,为财务管理柔性评价奠定了基础。