商业银行利率选择与信贷配给问题研究

目前我国经济高速发展,但融资难的问题一直阻碍中小企业的进一步发展,这是多方原因造成的.其中长期存在于信贷市场中的信贷配给(credit rationing)现象、银行利率选择问题一直为国内学术界所关注,但是对于形成信贷配给的银行与企业的决策过程关注得不多.笔者从传统的信贷市场均衡入手,着重分析了信贷市场的利率选择、最优利率形成原则以及信贷配给产生的原因,以期对我国进行宏观经济调整起到一定的借鉴作用.     

基于熵权法的财务危机预警指标选择研究

合理选择财务指标是财务危机预警研究中的重要内容,用定性和定量相结合的方法进行选择是科学有效的方法之一。首先根据初选原则对财务指标进行了初步选择,然后提出了一种基于熵权的变量选择方法,对初选的财务指标进行定量筛选,进行实证研究,最终确定了应用于财务危机预警的财务指标。     

小我争(护)面子与大我争面子导向之关系的探讨

本研究的目的是从中国人为大我争面子的行为与小我争(或护)面子行为间的关系的角度探讨中国人大我争面子行为的心理学意义.研究一结果显示:小我争、护面子导向量表得分双高组的大我争面子量表得分显著高于一高组和双低组,即提示前者更需要采取为大我争面子的方式来解决小我争面子与护面子需要间的冲突;研究二结果显示:小我争面子导向高的个体会在能力类特质上进行自我增强,小我护面子导向高的个体会在共享类特质上进行自我增强,而大我争面子导向高的个体则同时在两类特质上表现出自我增强,即提示为大我争面子可以让个体同时实现两类社会赞许价值.最后,笔者针对本研究所存在的问题以及进一步研究的议题进行了讨论.     

自我和谐与社会和谐——构建和谐社会的心理学解读

和谐社会即构成社会的各个团体及个人之间存在一定的差别(可以表现为社会地位、经济收入水平、个人行为方式以及个性特点等方面),但彼此之间又能够和谐相处的社会.构建和谐社会的努力包括保持自我和谐、人际和谐及人与自然的和谐,从心理学出发,这三方面的工作除了物质、制度和政策层面的努力以外,更重要的是确保这些努力能够被个体准确感知和把握.心理学服务于构建和谐社会的主要领域包括对心理健康和幸福感的研究、对个人成长与成功的研究以及对团体动力学的研究.解决和处理好我国心理学研究中目前存在的问题,对于顺利完成党中央提出的构建和谐社会的使命具有很好的理论意义和实践价值.     

Robust signed-rank estimation and variable selection for semi-parametric additive partial linear models

A fully nonparametric model may not perform well or when the researcher wants to use a parametric model but the functional form with respect to a subset of the regressors or the density of the errors is not known. This becomes even more challenging when the data contain gross outliers or unusual observations. However, in practice the true covariates are not known in advance, nor is the smoothness of the functional form. A robust model selection approach through which we can choose the relevant covariates components and estimate the smoothing function may represent an appealing tool to the solution. A weighted signed-rank estimation and variable selection under the adaptive lasso for semi-parametric partial additive models is considered in this paper. B-spline is used to estimate the unknown additive nonparametric function. It is shown that despite using B-spline to estimate the unknown additive nonparametric function, the proposed estimator has an oracle property. The robustness of the weighted signed-rank approach for data with heavy-tail, contaminated errors, and data containing high-leverage points are validated via finite sample simulations. A practical application to an economic study is provided using an updated Canadian household gasoline consumption data.     

Variable selection in elliptical linear mixed model

Variable selection in elliptical Linear Mixed Models (LMMs) with a shrinkage penalty function (SPF) is the main scope of this study. SPFs are applied for parameter estimation and variable selection simultaneously. The smoothly clipped absolute deviation penalty (SCAD) is one of the SPFs and it is adapted into the elliptical LMM in this study. The proposed idea is highly applicable to a variety of models which are set up with different distributions such as normal, student-t, Pearson VII, power exponential and so on. Simulation studies and real data example with one of the elliptical distributions show that if the variable selection is also a concern, it is worthwhile to carry on the variable selection and the parameter estimation simultaneously in the elliptical LMM.     

The Unlived Life Is Worth Examining: Nothings and Nobodies behind the Scenes

This paper explores how people talk about the things that have not happened in their lives. I argue that we can perform reverse biographical identity work upon our unmade selves by exploring the meanings of unlived, non-experience. Challenging one's own rehearsed life story is an act of narrative self-transgression, involving negative responsibility assumption. Drawing on my symbolic interactionist theory of “nothing,” I consider how negative social phenomena (no-things, no-bodies, and non-events) are interactively accomplished and retrospectively made sense of in personal accounts. Themes of lost opportunities, silence, invisibility, and emptiness emerge from an analysis of twenty-seven stories. These tales reveal a mixture of emotions: not only sadness, stigma, shame, and regret, but also relief, pride, acceptance, and gratitude. Narratives of nothing are often ambivalent in tone, reflecting the complexity of storied life behind the scenes.     

Who cares? A lack of self‐care for women in the non‐profit/non‐governmental sector

In this article I examine the lack of self‐care regimes for women working in the non‐profit/non‐governmental sector. While I draw on ethnographic research conducted in the Malaysian context of women's organizations, the issue of self‐care for activists and feminist activists is a global one that crosses borders and boundaries. I explore the gendered nature of care and care professions to demonstrate how women are predominantly affected in these working environments. To date, there has been little scholarship on self‐care and care in non‐profit/non‐governmental working environments. Using interviews with women working in the sector, I argue that women's emotional, mental and physical health comes at a cost in these hectic workplaces. This article contributes to the literature on gender, work and care in women's organizations by taking seriously women's concerns working in these spaces, where they experience self‐neglect and institutional barriers in care regimes.     

A qualitative case study of a Korean former addict’s existential self‐interpretation and identity transformation

This study explored the case of a former addict, focusing on his existential self‐interpretation and identity transformation process. This study began from the question of whether philosophical processes related to existential self‐interpretation could lead to the formation of the concept of bottoming out and of identity transformation. To answer this question, the study analyzed the case of a male in his mid‐forties who was addicted to drugs for approximately 30 years and has only recently maintained abstinence. The study used the phenomenological approach to determine the meaning drugs held for him in each stage, and what drug‐related identity he had in each stage. Further, this study identified the integrative implications of these meanings in terms of existential self‐interpretation and identity transformation. The four different identities the man identified for the four stages of his life were juvenile delinquent, gang member, half‐gangster, and breadwinner, and the associated meanings drugs had for him during each period were “glue,” “filthy,” “leeches,” and “abstinence,” respectively. Finally, this study elucidated the integration of these meanings through the hermeneutic circle, identified the social welfare implications of the findings, and developed educational recommendations.     

An elastic-net penalized expectile regression with applications

To perform variable selection in expectile regression, we introduce the elastic-net penalty into expectile regression and propose an elastic-net penalized expectile regression (ER-EN) model. We then adopt the semismooth Newton coordinate descent (SNCD) algorithm to solve the proposed ER-EN model in high-dimensional settings. The advantages of ER-EN model are illustrated via extensive Monte Carlo simulations. The numerical results show that the ER-EN model outperforms the elastic-net penalized least squares regression (LSR-EN), the elastic-net penalized Huber regression (HR-EN), the elastic-net penalized quantile regression (QR-EN) and conventional expectile regression (ER) in terms of variable selection and predictive ability, especially for asymmetric distributions. We also apply the ER-EN model to two real-world applications: relative location of CT slices on the axial axis and metabolism of tacrolimus (Tac) drug. Empirical results also demonstrate the superiority of the ER-EN model.