The Impact of Gender and Status in a University Setting on Importance of EAP Services

ABSTRACT

Employee groups vary in their perceptions of the importance of EAP services. Women value them more than men, and, in a university setting, office and service workers value EAP services more than do administration and faculty.     

商业银行房地产开发贷款风险及防范

由于现阶段我国房地产市场发展迅猛,使得商业银行房地产开发贷款规模不断增长。本文从影响商业银行房地产开发贷款风险的因素人手,采用层次分析法对政策风险、评估风险、操作风险、市场风险、信用风险进行了量化分析。结果表明：目前我国商业银行房地产开发贷款所面临的风险主要是评估风险和信贷风险。建立完善的评估体系与信用体系,是防范与控制房地产开发贷款风险的主要途径。     

Marital Quality,Context, and Interaction: A Comparison of Those Currently Receiving Government Assistance with Those Who Are Not

In this study the marital quality of respondents who were currently receiving government assistance was compared with those who were not. Contextual variables (e.g., gender, age, age at first marriage, religiosity, education, etc.) and interactional variables (i.e., escalating negativity, criticism, negative interpretation, withdrawal) were measured as potential correlates with marital quality. Results indicated that those who received government assistance differed significantly from those who did not on all six indicators of marital quality that were measured and on 8 of 11 contextual variables measured. Findings from this study will help policymakers, therapists, and other helping professionals gain an increased awareness of the needs of these two distinct populations and how to target educational programs to best address those needs.     

Into the Lion's Den:

The need to "couple," to have that special person with whom we share not only sexual intimacy but a past, present, and future, is not limited to the "straight" world. Raised by heterosexual parents, gays (male homosexuals) desire that same type of intimacy. Given that intimate relationships provide a very necessary function for the larger community of heterosexuals, those relationships should provide the same function for gays. This paper examines the differences and similarities between long-term gay and heterosexual intimate relationships, and the support each of those types of relationships receives from the community in which they exist.     

胜任力视角下的农信社信贷管理员培训策略探析

胜任力模型是现代人力资源管理中较为前沿的理论成果,将其应用于各类组织的员工培训之中是国内外相关理论研究与实践的重方向。针对农村信用社信贷管理员的培训策略问题,首先分析了胜任力模型的发端及国内外对胜任力模型的理论探索与实践进展,然后分析了胜任力模型在金融机构特别农村基层金融机构员工培训方面研究的进展与现状,在此基础上概括了目前在胜任力视角下农村信用社员工培训策略研究的局限性,最后对这一问题开展研究的趋势进行了预测,从而为未来相关问题的研究工作提供坚实的基础与有效的启示。     

On intra-annual consumption-poverty in the U.S: Response to SNAP and the importance of within-year variation

We use U.S. quarterly consumption data and decomposable poverty indexes to study consumption-based intra-annual poverty and its relationship to participation in the Supplemental Nutrition Assistance Program (SNAP). Intra-annual spells of consumption-poverty account for half of the incidence and one-third of the severity of all consumption-poverty among U.S. households. Households experiencing consumption-poverty for at least one quarter, but not for the whole year, are more likely to self-select into SNAP than the general population but less likely to do so than those who are poor for the year. SNAP participation, in turn, reduces annual and intra-annual poverty.     

国外农业金融机构的发展与启示

建设社会主义新农村需要加大对农业项目的资金投入,解决农民贷款难的问题。文章着重研究了国外农业信贷机构的发展历程与现状,详细阐述了他们在发展中遇到问题后不同的解决方案和效果,在理论和案例的综合分析下,力求为中国农村发展所面临的资金约束寻求一种新的思路,以促进我国农村信贷市场的繁荣与发展。     

Hidden Consumer Loans: An Analysis of Implicit Interest Rates on Bounced Checks

Payday lending attracts attention for its high interest rates, but bounce protection loans are much more expensive. Bounce protection is a program where consumers overdraft—write checks in excess of the checking account balance—and the bank pays the check allowing the account balance to be negative. For this service/loan, banks charge the standard non-sufficient funds (NSF) fee. When the amount borrowed is low and the time outstanding is short, the effective interest rate paid on this loan can be quite high. Using a unique data set we were able to quantify how high the interest rate is. We found that the median implicit interest paid by consumers is over 4,000%.

农户家庭储蓄借贷行为的实证分析--以湖北监利县178户调查为例

农户的储蓄目的相当明确--为了社会保障.民间借贷行为是正规金融组织弱化农村信贷服务功能的结果.民间借贷尽管以"亲情"和"友情"等借贷为主,借贷中"立字据"与"付息"比例也不占优,但不少的付息的案例表明"高利贷"行为在农村相当普遍.乡村干部和村级组织在其中扮演极不光彩的角色,已成为"高利贷"放贷主体.农民在求贷的途径选择上,优先选择"高利贷",是因为求贷的成功率与高利息相比,成功率更为重要.     

各国社会医疗救助制度及其对建立我国城市贫困人口社会医疗救助的启示

社会医疗救助是医疗保障体系的重要组成部分。本文描述了新加坡、加拿大、英国和美国等国家社会医疗救助的特点,分析建立我国城市贫困人口社会医疗救助制度的意义,并对覆盖对象、资金来源以及保障项目与水平等作出思考。