质押——个人住房消费贷款的一种制度创新

文章分析了推行个人住房消费质押贷款的优势和可行性,探讨了可以用来作为住房质押贷款的质物和住房消费质押贷款的运作机制,最后指出了个人住房消费质押贷款能顺利运作所必须的支撑体系.     

Consumption and Saving Behavior of Older and Younger Baby Boomers in Korea

The 1998 Korean Survey of Family Income and Expenditures was used to examine the overall consumption and saving behavior of Korean baby boomers and compared the differences in consumption and saving behavior between older and younger boomers. The t -test results indicated that the younger boomers allocated a significantly higher percentage of their expenditures on food away from home, household appliances, transportation and communication than did the older boomers, whereas the older boomers spent higher amounts and allocated larger budget shares on their children's education than did the younger boomers. The results of Ordinary Least-Squares (OLS) regression analysis showed that, holding other factors constant, older boomers not only spent significantly more in the total consumption expenditures and education expenditures, but older boomers also saved significantly less than did younger boomers.     

Consumption Patterns of Chinese Children

In the ten-year period from 1990 to 1999, children's consumption has increased dramatically in proportion to family income. In 85% of urban families, children's average consumption is equal to one third or more of the family's income. Resources are being directed to children's food and dietary supplements, toys, travel, computers and other electronic equipment, and educational resources. Children perceive that they have a significant influence on the family's financial decision-making. Problems related to children's consumption include indulgence in unnecessary or harmful purchases, and conspicuous consumption that cannot be sustained by the family's income. While some child-focused spending is viewed as enriching development, other expenditures may harm the family's economic well-being and foster an overly materialistic outlook among children.     

飞灰冲蚀条件下材料抗磨性能的试验研究

本文首先综述了国内外学者在研究塑性材料耐冲蚀磨损性能方面所取得的主要成果,并在专门建立的灰磨试验台上,对电站燃煤锅炉对流受热面常用材料20号钢、12Cr_1MoV合金铜以及铜、铝四种塑性材料进行了耐飞灰冲蚀磨损性能的试验研究。提出用材料的体积磨损率来定义材料的耐冲蚀磨损性能系数。并用它表征塑性材料的抗磨性能。该系数可直接应用于计算燃煤锅炉对流受热面的安全烟速。     

铝基化学镀镍的研究

研究了铝基化学镀镍的工艺过程，详细介绍了化学镀镍前的处理过程，其中包括除油，浸蚀，清洗和没锌过程。研究了各因素对化学镀镍镀速的影响因素，并得出最佳配方及工艺条件。在最佳条件下，化学镀镍镀速高，镀层着附力优异，可焊性优良。     

黑龙江省工业资本产出贡献率的实证分析

提高老工业基地的经济增长水平,是一个意义深远的课题。黑龙江省老工业基地发展相对落后的原因在于工业实收资本结构的不合理,国家资本偏高,个人资本绝对性偏低,单位个人资本效率是单位国家资本的五倍。法人资本的多层代理也是造成黑龙江省工业发展相对落后的原因之一。对此,应妥善解决委托代理失灵问题,大力促进民营资本的发展,加快国有经济布局的战略性调整。     

Towards Enhancement of the Economy of a Thermal Power Generating System through Prediction of Plant Efficiency

The plant ‘Heat Rate’ (HR) is a measure of overall efficiency of a thermal power generating system. It depends on a large number of factors, some of which are non-measurable, while data relating to others are seldom available and recorded. However, coal quality (expressed in terms of ‘effective heat value’ (EHV) as kcal/kg) transpires to be one of the important factors that influences HR values and data on EHV are available in any thermal power generating system. In the present work, we propose a prediction interval of the HR values on the basis of only EHV, keeping in mind that coal quality is one of the important (but not the only) factors that have a pronounced effect on the combustion process and hence on HR. The underlying theory borrows the idea of providing simultaneous confidence interval (SCI) to the coefficients of a p-th p(≥1) order autoregressive model (AR(p)). The theory has been substantiated with the help of real life data from a power utility (after suitable base and scale transformation of the data to maintain the confidentiality of the classified document). Scope for formulating strategies to enhance the economy of a thermal power generating system has also been explored.     

关于学报发展中几个问题的思考

在互联网日益普及的情况下，高校学报不应等待观望，而应尽快转变认识，充分利用网络资源进行新的尝试，为自身的发展服务。高校学报要走的个性化特色化之路，通过对可资形成特色的各种条件进行创造性整合，形成刊物的个性与特色。注重提高刊物的学术影响力，提高所刊论文的引用率与引文率，在增强社会效益上做文章。同时，也要重视编排的标准化、规范化等工作，以期使学报的生存与发展进入良性循环。     

A simple procedure for the selection of significant effects

Summary.  Given a large number of test statistics, a small proportion of which represent departures from the relevant null hypothesis, a simple rule is given for choosing those statistics that are indicative of departure. It is based on fitting by moments a mixture model to the set of test statistics and then deriving an estimated likelihood ratio. Simulation suggests that the procedure has good properties when the departure from an overall null hypothesis is not too small.     

Statistical Analyses and Modelling of the Mixing Process of Euro Coins in Germany and Europe

This paper reports on the mixing of Euro coins from different countries of origin in Europe, which started on 1 January 2002. There is an interesting conclusion: that the mobility of small and large denominations is different. The long‐term behaviour of the mixing process is studied using a simple deterministic model and data from Germany, France and the Netherlands. The analysis leads to predictions about the future progress of the mixing process.