中国资产证券化信用增级的法律环境问题

资产证券化作为一种新的融资方式,在处置不良资产方面具有明显的作用。信用增级是资产证券化的两大核心技术之一,在当前中国信用体系尚不完善的情况下,信用增级显得尤为重要。信用增级包括内部信用增级和外部信用增级,有效实施这两种信用增级方式在现阶段均存在一定的法律障碍。尽快制定专门的资产证券化法,努力完善信用法律环境,才能保证中国资产证券化的顺利实施。     

教育贷款审计的方法研究

高校扩招的压力迫使高等学校通过贷款来筹集资金进行基础设施建设,随之因贷款资金而产生的腐败、犯罪行为也在不断增加。论文通过分析贷款资金的来源和使用情况,揭示了教育贷款容易滋生腐败的薄弱环节,提出了建立教育贷款专项审计制度和内部控制审计为主的教育贷款审计的新审计思路和新方法。     

Dual conditionality in welfare and housing for lone parents in Ireland: Change and continuity?

This article focuses on multiple conditionalities in benefits and housing from the perspective of lone parents in Ireland. The Irish case echoes historical experiences elsewhere and is offered not as an exceptional or extreme case but as an in-depth single case study and a lens for comparison. Although contemporary forms and combinations of conditionalities are new to Ireland, the experience of multiple conditionalities in benefits and housing is not new. Hence, a historical perspective is used to examine contemporary multiple conditionalities in benefits and housing. In the past, conditional regimes for lone parents were justified in terms of moral reformation for first time mothers and avoiding moral contagion of mothers with subsequent pregnancies. In contemporary times, in the case of employment, lone parents are problematised as working part-time and “nesting” on in-work-benefits, and in the case of homelessness, lone parents who prioritise the security of tenure embedded in social housing are accused of “gaming” the system. While acknowledging ambiguities, the paper finds the overlap of welfare and housing discourses contribute, intentionally or unintentionally, to epistemological foundations or understandings of lone parents, shifting public perceptions, and framing them as “problems” to be solved. They simultaneously temper lone parents' expectations. Increased precarity and disempowerment is associated with dual conditionality, and ontological uncertainty is multiplied when experienced cumulatively across employment, social protection, and housing regimes in a context of generally poor public services and labour market precarity and in the historical context of stigmatisation. Nonetheless, lone parents demonstrate considerable agency.     

Experiences of homelessness by people seeking asylum in Australia: A review of published and “grey” literature

This review examines the current published and “grey” literature relating to the experiences of homelessness by people seeking asylum within Australia. While many people seeking asylum have experienced homelessness during their flight, inadequate and unaffordable housing are a feature of the settlement experience for a large number of new arrivals to Australia, putting at risk their successful settlement. This study aims to explore the factors influencing access to stable housing. A systematic review of the academic literature and a search of the grey literature identified 11 articles and 20 documents related to homelessness and people seeking asylum in Australia. The academic literature included a variety of methods and approaches to the investigation of the experience of homelessness in Australia. The grey literature was more practice based, including evaluation and research reports, submissions, and newsletters. Findings suggest that experiences of homelessness are multifaceted and have a range of influences, including policy, financial stress, lack of access to education and employment, and a lack of affordable and suitable housing. Any solutions to address homelessness need to be similarly diverse. Discrimination from real estate agents and employers was also identified as a barrier to housing for many people seeking asylum, an issue that will need to be addressed at a systematic level. The lack of research published in the academic literature means that although there may be some programmes or solutions operating in the community, as demonstrated in the grey literature, this information is not being shared beyond organisation websites or subscriber lists, resulting in a lack of coherency or sharing of solutions. This review highlights the need for further attention to the factors influencing homelessness in asylum seekers, the experience of homelessness, and how these can be addressed by government and non-government led strategies and policy development.     

小微企业网贷风险定价模型研究

对小微企业网贷平台的运营模式进行深入分析,发现其运行机制包括需求的同质化解构、需求的模块化生产、需求的风险评估、个性化需求加总,在此基础上构建小微企业网贷风险定价模型。为验证模型的有效性,抽取国内典型互联网金融平台“人人贷”上近期发生的小微企业标的并进行风险定价,将定价结果与实际利率进行比较,发现该模型适用于“卖方市场”的小微企业网贷,能够提供差异化的贷款利率,从而向小微企业提供个性化的网贷产品。     

从认知视角看英汉词语的语义变化趋势

语言在很大程度上受思维习惯和文化内涵的影响.然而,在世界文化朝着多元化发展的进程中,不同文化间的频繁接触促进了文化的趋同,而文化的趋同又必然引起词语的语义变化.文章旨在通过词语的示例分析比较,探讨人类语言的共性和个性,从而证明英汉两种语言的词语语义随着文化的趋同所出现的同一变化趋势.     

雷州话与厦门话中外来词的异同及其根源

从文献资料及现状调查两方面入手,分析了同为闽南方言的雷州话和厦门话在吸收外来词数量和范围上有很大差异的情况,这与两个地方的历史地理、对外语的态度以及社会政治体制等有关。     

试论国家助学贷款良性运行机制建立之对策

国家助学贷款是利用金融手段完善我国普通高校资助政策体系,加大对经济困难学生资助力度所采取的一项重大措施。运行中存在问题是当前市场经济法制不健全、社会信用部分失范的必然结果。要形成大学生助学贷款良性运行机制,必须建立国家、银行、高校、学生与社会"五位一体"的联合保障机制。最重要的是应尽快建立全国性的以居民身份证号码为依托的"全国大学生信用网",并以此作为建立全国性的信用机制的开端。要在全社会形成一种讲诚信光荣、不讲诚信可耻的持久氛围,让信用缺失者无论在何处都要为自己的行为付出代价。此外还应大力发展学生生源所在地贷款业务。     

中国银证合作模式及券商发展对策浅析

当前,金融领域呈现出了证券公司和银行业务相互合作、渗透之势。从传统的融资合作,到银证转账、银证通等业务的广泛开展,直至成立金融控股集团,集团内部混业初露端倪,银证合作的浪潮一浪高过一浪。二者的合作形式多样,但还限于一般层次上的合作,并受到了监管、政策限制等障碍。从长远发展看,券商应全面加强与银行的资金、业务合作范围;积极探索股权与组织合作的最佳模式;以业务创新为突破口,开发如现金管理账户、资产证券化、投资银行业务联动、客户资源共享等新模式,从而在大金融战略中实现新的发展。     

国外“房价收入比”研究：起源、测量与应用

从起源、测量、应用等角度,系统梳理了国外房价收入比的研究文献。研究发现:房价收入比演化于、并优于住房支出收入;房价收入比测量的多样性取决于房价和收入测量方法的多样性,以及房价收入比均衡模型的不同;房价收入比主要应用于住房支付能力和房地产泡沫研究。房价收入比计算的规范化、均衡模型的集成化以及实证的多角化将成为进一步的研究方向。