借鉴美国成功经验发展我国住房抵押贷款保险市场

针对目前我国个人住房抵押贷款市场的现状,提出发展住房抵押贷款保险来规避风险。美国发达的住房抵押贷款市场很大程度上得益于抵押贷款保险市场的发展,其运行模式值得我们借鉴。通过分析国内现行的抵押贷款保险体系中存在的问题,提出了发展住房按揭保险的一些建议、想法,以促进个人住房抵押贷款的良性发展,推动住房商品化的顺利进行。     

Some practical issues in the evaluation of heterogeneous labour market programmes by matching methods

Summary.  Recently several studies have analysed active labour market policies by using a recently proposed matching estimator for multiple programmes. Since there is only very limited practical experience with this estimator, this paper checks its sensitivity with respect to issues that are of practical importance in this kind of evaluation study. The estimator turns out to be fairly robust to several features that concern its implementation. Furthermore, the paper demonstrates that the matching approach per se is no panacea for solving all the problems of evaluation studies, but that its success depends critically on the information that is available in the data. Finally, a comparison with a bootstrap distribution provides some justification for using a simplified approximation of the distribution of the estimator that ignores its sequential nature.     

论我国企业的危机公关--以"特富龙"事件为例

任何组织在成长过程中无一例外都会经历各种各样的危机.若无有效的快速反应和处理机制,一旦危机爆发,就只能仓促上阵,被动应对,如处理不当,殚精竭虑建设起来的组织形象就可能毁于一旦.因此,任何组织都应该而且必须重视危机公关处理.而杜邦公司"特富龙"事件处理方法无疑是个成功案例,值得我国企业学习和借鉴.     

Covariates and Random Effects in a Gamma Process Model with Application to Degradation and Failure

The gamma process is a natural model for degradation processes in which deterioration is supposed to take place gradually over time in a sequence of tiny increments. When units or individuals are observed over time it is often apparent that they degrade at different rates, even though no differences in treatment or environment are present. Thus, in applying gamma-process models to such data, it is necessary to allow for such unexplained differences. In the present paper this is accomplished by constructing a tractable gamma-process model incorporating a random effect. The model is fitted to some data on crack growth and corresponding goodness-of-fit tests are carried out. Prediction calculations for failure times defined in terms of degradation level passages are developed and illustrated.     

“以学生为中心的主题教学模式”实验研究

通过“以学生为中心的主题教学模式”教改实验测试成绩数据和一系列调查结果的比较分析 ,说明了教学改革对于大学英语课堂教学的效果和学生学习能力的培养有着十分重要的作用     

Covariate Order Tests for Covariate Effect

A new approach for constructing tests for association between a random right censored life time variable and a covariate is proposed. The basic idea is to first arrange the observations in increasing order of the covariate and then base the test on a certain point process defined by the observation times. Tests constructed by this approach are robust against outliers in the covariate values or misspecification of the covariate scale since they only use the ordering of the covariate. Of particular interest is a test based on the Anderson-Darling statistic. This test has good power properties both against monotonic and nonmonotonic dependencies between the covariate and the life time variable.     

技术路径与中国经济增长

中国在改革开放进程中所采取的积极的产业政策拓展了与发达国家或地区的贸易关系,加快了外资引进的步伐。对外贸易和外资引进产生了技术的"外溢"和"干中学"效应,提高了市场的竞争程度,也促使国内企业积极去改进原有技术和开发新技术。这三个技术进步路径共同推动了企业技术的进步,促进了中国经济的增长。     

我国公民道德建设应当借鉴儒家伦理优秀成果

我国公民道德建设应当借鉴儒家伦理的优秀成果。一是道德规范,儒家对社会公德、职业道德、家族美德的论述在今天仍有现实价值;二是道德精神,儒家所倡导的"天下为公"、"见利思义"、"自强不息"、"革故鼎新"、"仁者爱人"等精神值得大力发扬;三是德育方法,儒家主张受教育主体进行自我教育应学思并重、反省内求、积善成德、慎言力行以及慎独;至于教育者对被教育者的教育方法,儒家重视身教示范、环境熏陶、因材施教、塑造理想人格等。这些都可以古为今用,推陈出新。     

国外关于社区对儿童和青少年影响的研究

国外关于社区 (neighborhood)对儿童和青少年影响的研究已有多年的历史并取得了不少成果。社区对儿童和青少年的影响效应一般从入学准备情况与学业成绩、行为和情绪问题 (包括外化的和内化的 )、性行为与生育等三个方面来研究考察。社区的结构维度大致可划分收入 /社会经济地位 (可划分为高、中、低三类 ) ,种族混杂程度 ,居民搬迁率等三个。社区对儿童和青少年的影响机制一般从机构资源、亲子关系和组织度三个角度来探讨     

网络环境下大学图书馆的参考服务

知识网络的诞生与发展,给大学图书馆的参考服务带来严峻的挑战.因此就网络环境下图书馆的参考服务特性与面对的问题进行探讨,以期能重新思考其未来定位与走向.