Financial literacy education: An opportunity for colleges and sociology

Financial literacy represents the knowledge necessary to manage one's financial affairs in a way that contributes to overall wellbeing, yet financial literacy and financial education are understudied in sociology. While emerging adults have low rates of financial literacy overall, this article focuses on college students due to increasing college access and student loan debt. Based on the limited literature that assesses college financial literacy education, it appears that these types of programs may serve to advance college students' financial knowledge. Additional mechanisms that serve to develop college students' financial literacy include parent socialization, banking experience, and high school financial education programs. However, not everyone has the same access to these resources. Thus, given the magnitude of the US student debt crisis and persistent economic inequalities, college financial literacy education may prove beneficial for all students, particularly those from economically vulnerable backgrounds. This article serves as an invitation to sociologists to consider financial literacy education as both a worthwhile pursuit in application and as a research topic.     

公益救助广告的伦理诉求及其价值

公益救助广告旨在宣传公益救助活动中对弱势群体应采取的人道救助与伦理关怀。我国公益救助广告集中凸现了扶贫济困、尊老爱幼、公平正义、道德权利等伦理诉求,在公益救助事业发展及和谐社会的建设中发挥着巨大的作用。维护弱势群体的道德权利、引导社会公众实践道德义务、实现人道救助与伦理关怀的统一、促进人的幸福和全面发展、推动社会和谐与进步已成为其独有的伦理价值。     

普惠金融的国际模式借鉴

9亿农村人口约占中国总人口的70%,因此,如何解决"三农"问题关乎和谐社会的构建。而"三农"问题的核心在于资金,普惠金融在国际上一些国家和地区发展的成功经验可供借鉴。作者着重介绍国际上普惠金融发展的成功模式,并对比我国现阶段农村金融发展实际,提出适合在我国推广的普惠金融发展模式建议。     

“对自我救助的帮助”——社会工作价值观对社会救助的介入

中国传统社会救济价值观源于道义性。城市居民社会救助制度是对传统社会救济的根本性改革,随着社会救助的制度化与科层化,我国社会救助制度需要构建新的社会救助价值观。"对自我救助的帮助"即是以助人自助为核心的社会工作价值观介入社会救助后,对社会救助价值的新理解,它既有助于在全社会范围内弘扬以人为本的现代救助理念,也有益于在实施社会救助的同时培养被救助者的自尊、自强、自立意识。     

论我国刑辩律师有效辩护的制度保障

刑辩律师有效辩护在制度和实践层面遭遇困境,有效辩护难以实现,新律师法的实施也未能改变这种状况。偏重犯罪控制的价值观及其线性诉讼结构、律师的职业道德欠佳和执业风险以及当前社会控制力薄弱给刑事司法机关增加的社会控制责任,是律师有效辩护困境的深层原因。加强律师有效辩护的制度建设,需要树立平衡兼顾犯罪控制与权利保障的价值观,保障刑辩律师获取充分的案件信息为有效辩护作必要准备,刑事司法机关应切实保障律师的辩护权与其他诉讼权利,同时完善相关配套制度。     

Implementation of the Family Violence Option 20 Years Later: A Review of State Welfare Rules for Domestic Violence Survivors

The Family Violence Option (FVO) was included in the 1996 welfare reform legislation to ensure that domestic violence survivors are not subject to unfair penalties resulting from compliance with the new requirements. This study presents a comprehensive review of the states’ different approaches to address domestic violence. Our findings identified variation in implementation and practice, from the decision to adopt the FVO to the process of granting waivers. Although not contradictory to the federal legislation, the variation is indicative of the limited research on best practices and lack of national discussions on how state FVO processes relate to one another.     

Applied ethics and allocation of foreign aid: disparity in pretensions and practice

We explore the applied ethics of development aid and humanitarian assistance, and juxtapose these with claimed objectives and factors that influence the choice of recipients. Despite some diversity among donors, ethical considerations appear not to be a prominent factor for allocation of aid. Although recipients’ need is not entirely ignored, donors’ self‐interest and herd behaviour, and recipients’ merits and voting in the United Nations, play crucial roles in allocation decisions. Likely to be shunned are complex emergencies and fragile states, the overlapping settings for action of development and humanitarian aid. Donors should take to heart and put into practice that allocation of aid is an ethical endeavour that should rest on proper needs assessment, established objectives and adopted agreements.     

基于最优贷款利率选择的互联网金融进入博弈分析

通过一个两阶段博弈模型,研究传统商业银行作为潜在进入者进入互联网金融业务时,与在位者博弈过程中的最优借贷利率选择问题。得到两个关键性发现:在贷款利率决定阶段,对于互联网金融潜在进入者,其贷款利率与参与到互联网金融中的战略替代程度、高风险状态下在位者的参与水平以及低风险下的竞争程度都是负相关的。潜在进入者的参与水平与在位者的战略互补程度以及竞争过程中的风险识别程度呈正相关关系。因而对互联网金融潜在进入者而言,进入与否依赖于其是否具备丰富的战略管理经验以及对风险状态的高度识别能力。     

Neoliberalism,postsocialism, disability

This paper discusses the impact of neoliberalism on disability policy and activism. The paper highlights the neoliberalisation of postsocialist disability policy, as well as the convergence between the neoliberal critique of welfare-state paternalism and the advocacy of disabled people’s movement for deinstitutionalisation and direct payments (personal assistance). The discussion is supported by examples from Bulgaria and the United Kingdom. In conclusion, the paper argues that neoliberalism confronts the disabled people’s movement with two difficult tasks: to defend self-determination while criticising market-based individualism, and to defend the welfare state while criticising expert-based paternalism.     

Responses to global challenges: trends in aid‐financed global public goods

Based on four decades (1973–2013) of OECD‐Development Assistance Committee aid to developing countries, this article aims to show aid‐financed global public goods trends, their changing composition and their main drivers. In particular, a constant increase in the share of aid‐financed global public goods and a shift towards weighted‐sum and weakest‐link global goods are observed. Economic conditions, imitation effects, global engagement and domestic spending result as the main drivers of donors’ demand for aid‐financed global public goods. Besides, a certain complementarity in the provision of global goods plays a role, especially in European countries and Japan, partially easing the prognosis for the collective action problems related to global goods