Principles of Total Quality Management and Their Application to Employee Assistance Programs:

Total quality management (TQM) has been thrust into the psyche of corporate America. TQM is not a new phenomena. Introduced in the early fifties to Japanese managers by an American management expert, it served to make Japan an international economic leader. U.S. companies have generally had little international competition. They now recognize he formidable challenge that quality based companies represent and are striving to replicate these successes. To do so will be to remain competitive. To discount the impact of TQM initiatives could spell economic disaster. Employee assistance program (EAP) management is modeled after American management principles. EAPs are also now having to compete for market share in ways for which they were never prepared. The TQM initiatives currently being implemented in many companies may be applied equally well to EAPs. This article presents an overview of the TQM principles formulated by W. Edwards Derning. The article also attempts to critically analyze some of the areas that have been problematic in EAP management. Further, it examines how TQM initiatives could serve to ameliorate some of these problems and lend additional impetus to the competitiveness of employee assistance programs with other behavioral health care service delivery and cost management programs.     

关于加速城市商业银行发展的思考

城市商业银行在活跃地方金融、支持地方经济建设等方面起到了巨大的作用 ,但其发展过程中也存在着许多的困难和问题 ,城市商业银行要想在日益激烈的市场竞争中生存和发展 ,还要做大量的艰苦的工作。     

论我国呆帐准备金制度的未来选择

贷款呆帐准备金制度是国际上商业银行普遍采用的弥补贷款损失的制度。改革我国现有呆帐准备金制度 ,是我国当前金融制度改革中的一个重要内容     

Consumer Direction in Community-Based Long-Term Care

Abstract

Recently, a growing number of community-based long term care programs have been incorporating a concept of consumer direction (CD). Consumer Direction allows long-term care consumers to take more active roles in their care management, by hiring, training, supervising, and firing care providers. A limited number of existing studies show that CD consumers indeed feel they have more choice and control over their care compared to those under the traditional model. However, other studies show problematic working conditions for care providers under CD. Questions also remain unanswered regarding how CD effects different important stakeholders, including family caregivers, formal paid caregivers, and governments. More research, administrative, and practice efforts are needed to ensure CD can benefit all sectors of communities.     

“你,幸福吗?”问倒了谁——从社会救助谈开去

"你幸福吗?"是为数不多的、经由主流媒体产生的2012年度"热词",但其热度的背后应贯穿我们冷静的思考。本文选择从社会救助角度切入,主要从个人家庭、社会建设、政府建设、政权合法性等方面论述社会救助的重要性,从资格获取、资金使用和所涉人员观念转变上论述社会救助的复杂性,最终导出社会救助本然的国家责任伦理本位、社会参与格局和基于政治体制改革后府民关系的初步设想,呼吁落实宣传口号于切实的治理行为。本文并不囿限于"幸福"或者社会救助的概念作讨论,转而向更深层次的体制、制度做了初步挖掘,观点多属个人之见,不免偏狭愚陋,只求探讨和商榷。     

1920年～1937年河南灾荒性移民与社会救助

1920年～1937年间,河南水旱灾害迭现,兵燹匪患频仍,由此引起的移民潮频繁而剧烈。灾荒性移民是这一时期河南最为重要的人口迁移类型,它体现了河南移民问题的特殊性。社会救助以有组织的灾民移送最为成功,救助团体在移民过程中发挥了举足轻重的作用。新铁路线的开通也使跨省际的远距离迁移更加容易实现,从而极大地促进了移民的运送工作,使人口迁移由此进入到更为深远的地区。虽然这一时期河南的社会救助取得了局部的成功,但还远远不能满足现实的需要。     

住房抵押贷款证券化风险防范机制的构建

防范和化解住房抵押贷款证券化在交易过程中的风险,应从交易的各个环节入手:银行应通过提前偿付锁定、提前偿付罚金和收益率维持等制度防范内部信用风险;证券发行机构应通过优化贷款组合、内外部信用增级来提高证券发行级别;投资者应采用金融衍生工具化解利率和汇率风险.此外,政府还应完善相关的法律法规,建立政府支持体系,为住房抵押贷款证券化的顺利开展扫除制度上的障碍.     

货币供应量、信贷总量对宏观经济变量影响的差异性——中国1998～2004年的经验分析

文章基于中国1998～2004年的宏观数据,较为严密地利用协整检验、脉冲响应与方差分解等宏观计量方法,分析了不同货币政策工具对宏观经济变量影响的差异性.结果表明无论长期还是短期,信贷总量对固定资产投资的正向影响显著,对股票市场则有负向影响;而货币供应量在长期或短期对股票市场有显著的正向影响,长期对固定资产投资有正向影响,短期对固定资产投资则有负向影响.这也从侧面印证了我国虚拟经济与实体经济背离.     

银行会计信息与信贷资产风险的关系

中国商业银行目前所面临的高经营风险在很大程度上是与会计管理有关的。会计信息失误将导致银行在资金使用、财产管理、信誉等方面蒙受损失。运用银行内部采集的会计信息资料来直接反映和归集贷款单位的客观、真实、全面的风险信号,从而把握最佳时机退出信贷市场,把信贷资产风险及损失降到最低限度。