网络银行若干法律问题研究

文章就网络银行的基本法律问题进行初步的探讨。作者认为,网络银行的本质是一种新型的金融机构,是指主要通过计算机Internet网络(或类似的电子方式)开展银行业务的银行。它与传统的实体银行的最大不同就在于前者主要是通过Internet网开展银行业务,具有一定的虚拟特征。网络银行的特点,使它在市场准入和风险管理方面具有与传统银行不同的要求。此外,论证了网络银行在对客户权益的保障中承担的义务,特别阐述了对客户隐私权的保护和对客户造成损失时的严格责任原则。     

关于我国临终关怀事业的伦理思考

随着临终关怀事业的产生和不断发展,不得不承认这推动了人类社会的文明和进步。随着人类社会的不断进步,人们越来越重视坚持医学人道主义,这使人们意识到了发展临终关怀事业的重要性。由于大多数中国人受几千年流传下来的传统文化的影响,形成了固有的伦理观念,那么,我们从伦理学的角度出发,去思考一些有关于临终关怀的问题,必将有利于临终关怀事业的发展。     

Peer paradox: the tensions that peer relationships raise for vulnerable youth

The contribution peer relationships make to positive adolescent development is well recognized. Accordingly, peer problem measures typically assess youth with few age‐appropriate peers as having peer problems. Yet, youth facing high levels of personal and/or social adversity may reduce their association with antisocial peers as part of coping or risk mitigation strategies. While such strategies will result in higher scores on peer problem measures, they may also facilitate resilience and constitute a resource social workers can draw on in their work with youth. To test this proposition of peer adaptation as a risk mitigation strategy, mixed‐methods data relating to two groups of youth who were exposed to different levels of adversity were compared on a standardized peer problem measure and a range of risk measures. Qualitative interviews extended this data and explored vulnerable youth perceptions of social withdrawal as a coping strategy. Results from the survey and qualitative data indicated that a subgroup of youth facing high levels of adversity restricted association with antisocial peers to reduce their behavioural risks. However, without adequate support from adults in both formal support systems and youths' social ecologies to compensate for the loss of peer friendships, this strategy did not reduce behavioural risk in the medium term. The social withdrawal strategy also appeared to heighten mental health concerns for these youth. The implications of this finding for the development of policy and practice with vulnerable youth are discussed.     

Substance‐dependent women becoming mothers: breaking the cycle of adverse childhood experiences

Parenting may be particularly challenging for substance‐dependent mothers who have grown up with parents who themselves had substance use disorders (SUDs). The aim of this study was to explore how substance‐dependent mothers describe their childhood experiences with substance‐abusing parents and the association between these earlier experiences and their own role as caregivers. Using purposeful sampling, mothers admitted for 1 year to a family ward at a substance abuse clinic were approached. Through in‐depth, qualitative interviews, nine substance‐dependent mothers described their lives in the form of present, past and future tense. The findings indicate that substance‐dependent women, who have experienced SUDs in their families of origin, face several major challenges when they become mothers. Some describe having lived their whole lives ‘on the edge of society'. This makes their rehabilitation process more complex. All mothers work to abstain from substances, process traumatic experiences and integrate their family into society. They need help to build supportive social networks and to establish a safe and predictable family environment for themselves and their children. The therapeutic implications of these findings will be discussed.     

Preschool Policymaking by Stealth: Application of an Alternative Framework for the Policy Process

This study uses the design and passage of universal preschool in two states, Oklahoma and West Virginia, to present an alternative framework for understanding the policy process, Policymaking by Stealth, and demonstrate its usefulness both in expanding the understanding of the politics of public preschool and as a tool for social work policy practice. An overview of the current state of preschool policy in the United States and the political history of federal preschool policy is presented first to provide context to the analysis, followed by an introduction to the analytic framework, and then a formal analysis of the policy passage processes in the two states via the lens of Policymaking by Stealth. The contributions of this new framework to the study of the policy process in general and the practice of policymaking in complex political contexts are discussed.     

Sexuality in Older Adults (65+)—An Overview of the Literature,Part 1: Sexual Function and its Difficulties

Objectives: The aim of the current article was to provide an overview of literature on sexual function and sexual difficulties in older adults. Method: The authors conducted a narrative review of papers published in English between January 2005 and July 2015 based on an extensive search in PsycINFO. Results: The review showed that although common biological changes may adversely affect sexual function in old age, sexual experience seems to also be affected by psychological and interpersonal factors. Conclusions: Greater life expectancy and better medical care will result in older individuals with chronic diseases living longer. The need for help to cope with changes in sexual health is likely to increase in older adults, as sexuality may be negatively affected through several pathways.     

On being unreasonable in modern society: are mental health problems special?

There are many grounds for arguing that people with a range of disabilities have more in common than they have differences. However, those grounds to date have not resulted in a unified social movement. This paper examines one possible reason for that lack of unity: the particular force of being unreasonable in modern society. However, being unreasonable is not limited to those with a psychiatric diagnosis, nor does a lack or loss of reason take a simple common form within that group: it is a highly nuanced and context-specific matter. This complexity is discussed in relation to a set of inter-related questions about legalism, morality and post-enlightenment concerns with order and rationality. The paper concludes with a discussion of scenarios available to new social movements concerned with disability.     

Building,Engaging, and Sustaining a Continuum of Care From Harm Reduction to Recovery Support: The Rutgers Alcohol and Other Drug Assistance Program

Since 1983, the focus of the Rutgers Alcohol and Other Drug Assistance Program (ADAP) has been developing policies, training staff to identify students at risk, developing and implementing evidence-based screening and brief interventions, providing short-term counseling by professionals trained in alcohol and other drug abuse to assist students beyond brief interventions, identifying effective treatment for college students, developing a campus recovery program, on-campus recovery housing, and other supports for students in recovery. This article presents a case study of the Rutgers ADAP program, of building and sustaining a program committed to engaging students in both evidence-based risk reduction interventions and an on-campus recovery community given their stage of change and motivation to make changes. Historical milestones are described as part of a creative model for intervention. We identify the challenges of integrating substance abuse recovery into campus mental health programs, and of integrating recovery into other university communities.     

Justice Sensitivity in Childhood and Adolescence

Individuals differ in their sensitivity toward injustice. Justice‐sensitive persons perceive injustice more frequently and show stronger responses to it. Justice sensitivity has been studied predominantly in adults; little is known about its development in childhood and adolescence and its connection to prosocial behavior and emotional and behavioral problems. This study evaluates a version of the justice sensitivity inventory for children and adolescents (JSI‐CA5) in 1472 9‐ to 17‐year olds. Items and scales showed good psychometric properties and correlations with prosocial behavior and conduct problems similar to findings in adults, supporting the reliability and validity of the scale. We found individual differences in justice sensitivity as a function of age and gender. Furthermore, justice sensitivity predicted emotional and behavioral problems in children and adolescents over a 1‐ to 2‐year period. Justice sensitivity perspectives can therefore be considered as risk and/or protective factors for mental health in childhood and adolescence.     

Differential effects of parental control on preschool-age adjustment depending on child effortful control

This study examined whether parental control differentially predicted children's effortful control and adjustment depending on children's levels of executive control and delay ability. Using longitudinal data, the study included 241 preschool-age children and their mothers. Fifty-seven percent of the sample was lower income and included 64% White, 10% Latino/Hispanic, 9% Black, 3% Asian-American, 2% Native or American Indian, and 12% multiple racial/ethnic backgrounds. Interactions between aspects of parental and child control at 3-years-old were tested as predictors of mother-reported child effortful control at 4.5 years and teacher-reported adjustment at 5.5 years. Children's early levels of executive control and delay ability moderated the relations of some forms of parental control with child outcomes, although several hypothesized interactions were nonsignificant. Low parental autonomy respect predicted higher externalizing for children initially high in executive control but predicted lower externalizing for children initially low in executive control. Conversely, high autonomy respect predicted higher impulsivity for children low in delay ability but higher social competence for children high in delay ability. Finally, low maternal negative control predicted higher internalizing for children low in delay ability, whereas it predicted higher internalizing for children high in delay ability. These findings suggest that in some cases the type and degree of parental control should match a child's level of effortful control to support their social, emotional, and behavioral adjustment optimally.