Bonus—Malus模型在银行贷款机制中的应用

将Bonus—MalLis模型应用到银行贷款业务，通过调整银行的Bonus-MalLis贷款利率来减少贷款欺诈行为。主要是建立借款人的银行个人信用体系，通过借款人上阶段的还款利率和表现决定其下阶段还款利率，这样就提供了一种与完全审计机制不同的奖惩机制。在一些简单假设下可证明Bonus—Malus利率将会消除所有欺诈行为，而非仅仅减少欺诈行为。     

高校心理咨询现状分析——以某校449例次心理咨询记录资料为例

通过对某高校心理咨询中心449例次个别咨询记录资料进行整理,分析高校心理咨询的特点。结果显示:在高校心理咨询问题中,由多到少依次是恋爱问题、人际关系问题、情绪问题、学习问题、考研就业问题等。一年级大学生心理咨询的学生明显高于其它年级,不同年级学生咨询的问题存在差异,不同性别学生在咨询的问题上不存在明显的差异。在大学中寻求心理咨询帮助的大学生占学生总数的比例太小,大学生心理问题以发展性问题为主,贫困、网络、家庭等原因引起的心理问题值得关注和讨论。     

试析高职高专学校近年来女生人数大幅度增加的现象

近年来高职高专学校女生人数大幅度增加这是一个不争的事实,其原因有主客观方面的因素。在这种情况下,学校原有的设施、专业和课程都难以适应,必须做出较大的调整和改进。     

A modification of Honoré's triple-link model in the synoptic problem

Summary.  In New Testament studies, the synoptic problem is concerned with the relationships between the gospels of Matthew, Mark and Luke. In an earlier paper a careful specification in probabilistic terms was set up of Honoré's triple-link model. In the present paper, a modification of Honoré's model is proposed. As previously, counts of the numbers of verbal agreements between the gospels are examined to investigate which of the possible triple-link models appears to give the best fit to the data, but now using the modified version of the model and additional sets of data.     

An affine‐invariant multivariate sign test for cluster correlated data

The author presents a multivariate location model for cluster correlated observations. He proposes an affine‐invariant multivariate sign statistic for testing the value of the location parameter. His statistic is an adaptation of that proposed by Randles (2000). The author shows, under very mild conditions, that his test statistic is asymptotically distributed as a chi‐squared random variable under the null hypothesis. In particular, the test can be used for skewed populations. In the context of a general multivariate normal model, the author obtains values of his test's Pitman asymptotic efficiency relative to another test based on the overall average. He shows that there is an improvement in the relative performance of the new test as soon as intra‐cluster correlation is present Even in the univariate case, the new test can be very competitive for Gaussian data. Furthermore, the statistic is easy to compute, even for large dimensional data. The author shows through simulations that his test performs well compared to the average‐based test. He illustrates its use with real data.     

城乡结合部农村信用社的发展

城乡结合部农村信用社有其特殊的地缘优势,应抓住目前改革机遇,努力提高职工素质、改善办公条件、开发新产品新业务,并建立自己严格的职工考核体系。同时中国人民银行也应加大对农村信用社的扶持力度,共同促进农村信用社的发展。     

我国企业家队伍建设问题探讨

企业家的角色主要定位于企业的决策者、企业的创新者,企业风险的承担者。我国企业家队伍随着改革开放与市场经济发展起来,基本现状为:队伍不断发展壮大,成长环境不断改善提高;才能得到发挥,价值得到一定体现;但部分企业家自身素质依然低下。问题形成主要来自于三大机制因素:选拔任用机制不健全;监督约束机制不健全;激励机制不完善。解决问题的关键当然在于三大缺陷机制的健全完善,加强对企业家与世贸规则接轨的素质的全面培训。     

Poverty and social trends in Russia

The article describes the socioeconomic situation of the Russian population and its dynamics in 1992. The analysis is based on series of regional sociological surveys led by the All-Russian Living Standards Research Center and on official Russian statistical data. The basic unit of analysis is the family, and hence family typology approbated both in research and in practical social work is introduced. Besides describing and discussing the growing poverty tendencies in contemporary Russia, the article also contains methodological recommendations for social policy bodies and social workers on the strategy of work in social maintenance and social support of the least secure population strata.     

农民失地问题分析及对策建议

本文从六盘水失地农民的现状入手,分析失地农民的成因及存在问题,提出政府在推进工业化和城市化的过程中应坚持公平公正和群众利益至上的原则,积极推进土地产权和征地制度的创新、社会保障和就业制度的创新以及农村基层民主与法律制度的创新,给失地农民以公平的国民待遇、完整的土地财产权和自由的发展空间。     

多媒体辅助教学的优势及存在的问题

多媒体辅助教学与传统的教学模式相比,具有智能化、信息量大以及新颖性等优势。然而在实际多媒体课堂教学中还存在排斥传统的课堂教学模式,华而不实、容量过大、教师变成了放映员等问题。此外,针对上述问题提出几点建议。