Alcohol and Drug Use,and Sources of Stress

ABSTRACT

The purposes of this survey were to assess the prevalence of self-reported chemical use, concerns regarding coworker and family members' chemical use, and issues relating to life stress. A total of 2,567 faculty, staff, and administrators from a medium-sized, eastern, land-grant institution responded to a 20 item survey. Results indicated that tobacco was the most frequendy used chemical followed by alcohol. Participants were most concerned both about coworkers drinking and family member's drinking. Respondents also reported significant concerns regarding coworker's drug use. Applications for prevention, intervention and programming are discussed. Suggestions for future research are also provided.     

Does public housing reduce housing cost burden among low-income families with children?

ABSTRACT

About half of all renter households and over three-quarters of very low-income households in the United States experience a housing cost burden, with higher rates among families with children. Public housing may be an important tool for reducing families’ housing cost burdens. The current study uses nearly four decades of data from the Panel Study of Income Dynamics and its Assisted Housing Database to explore the relationship between public housing and housing cost burden among children in low-income families. Results from fixed effects models suggest that public housing is associated with a greatly reduced risk of experiencing housing cost burden when housing assistance receipt is measured a year before housing cost burden. These findings highlight the importance of public housing for reducing low-income families’ housing cost burdens.     

Chapter 19: Work-Life and EAPs in the United Kingdom and Europe

Abstract

This article describes the development and current degree of integration of the Employee Assistance Programme (EAP) and Work-life (WL) professions in the United Kingdom (UK) and Europe. It is based on a qualitative survey of leading providers and industry consultants conducted by the authors specifically for this publication. The study results suggest that the process of integrating the two industries in the UK and Europe has not been the issue it has in North America to date. While they can be distinct services to employers, in the UK and Europe WL and EAP have grown together and there has been little competition between the two professions. Instead, they are generally seen as synergistic and are usually offered to employers as a combined product, with a seamless delivery to employees. Despite this already high level of integration, there are significant future challenges for both professions.     

典型小贷公司的比较研究——以合肥市小贷公司为例

通过对合肥地区有代表性的两家小贷公司在人员机构、公司业务、公司经营、风险控制等四个方面的比较研究,发现其中存在的共性与个性。并通过分析当前小贷公司发展所处的外部环境与内部环境,得到合肥地区小贷公司发展所经历的一些规律与启示。     

非政府社会救助：社会救助主体多元化的必然选择

在我国社会救助的主体结构中,政府固然是第一责任主体,但受政府财力所限,政府救助存在许多盲点,有相当一部分社会成员游离在政府救助的保障网之外。从我国人口众多、经济尚不发达的国情出发,帮助社会困难群体的职能不能只由政府单独承担,应发挥各方面的力量,使社会救助逐渐形成由政府包揽过渡到政府和非政府力量共同参与的社会机制。     

杜鲁门政府对南斯拉夫政策探析

1948年苏南冲突的发生,为美国冷战开始后确立的分化瓦解苏东集团政策提供了契机。在美国的东西方贸易管制体制下,杜鲁门政府制定了对南斯拉夫的NSC18号系列文件。这些文件的形成与实施标志着美国对南斯拉夫经济援助与军事援助政策的形成。利用南斯拉夫分化瓦解苏东集团,促进南斯拉夫的亲西方倾向,是美国对南斯拉夫政策的实质与特点。     

我国高校贷款的现状、问题及对策研究

本文从高校、银行、政府三方面全面地分析了高校贷款的现状及高校贷款问题的成因,并提出对策和建议.笔者认为,由于高等教育的准公共性,单由高校一方或政府一方还贷都是缺乏合理性的,除了要采取加大财政投入力度、严格贷款审批程序、完善教育经费投入机制、扩充高校经费来源渠道等措施外,笔者建议建立高校和政府合理分担的还款机制来解决我国目前存在的高校贷款问题,旨在为高校贷款问题的解决提供一点思路.     

高等农业院校国家助学贷款研究——以杨凌示范区为例

以国家惟一的农业高新产业示范区杨凌为例，研究高等农业院校国家助学贷款问题。结果表明，杨凌区高等农业院校国家助学贷款存在的问题是贷款名额较少，银行恐贷惜贷、学生惜借，贷款政策缺乏灵活性，政策理解不一致，违约率高。产生问题的原因在于：高等农业院校毕业生收入预期低，学校催贷难度大，政府对助学贷款的行政干预及学生信用意识较差。在此基础上，笔者提出了相应的政策建议。     

高校贷款风险及对策研究

银行贷款已成为现阶段高校基本建设的主要资金来源。随着招生规模的扩大,贷款规模也逐步扩大,而高校用于偿还贷款的资金是有限的,由此引发的贷款风险不容忽视。本文结合高校实际情况,对高校贷款的特点、成因、后果进行了阐述,在此基础上提出了防范贷款风险的相关对策。     

房地产价格随机波动与抵押贷款风险值（VaR）的研究

借鉴金融理论中关于资产收益率的正态分布规律,依据房地产抵押贷款中抵押人与抵押权人所拥有房地产价值的差异,构建并修正了房地产价格对数正态分布模型。在此基础上,给出了一种度量房地产抵押贷款风险的方法,得出了房地产抵押贷款风险值与价格波动率、折旧率、抵押比、处置费用和置信度等因素有关的结论。