长三角地区农民资金互助合作社运行满意度及影响因素分析 ——以泰州市苏陈资金互助合作社为例

农民资金互助合作社是目前准新型农村金融机构在长三角地区的典型代表。基于对江苏省泰州市苏陈资金互助合作社的实地调研,重点考察社员对样本农民资金互助合作社运行的满意度及影响因素。研究发现：样本社社员对于农民资金互助合作社的整体运行情况基本持肯定态度;社员的家庭总收入、政府对农民资金互助合作社的支持力度以及社员在农民资金互助合作社借用的互助金额度,是影响社员对于农民资金互助合作社满意度的主要因素;农民资金互助合作社融资业务的开展,对于社员的农业和二三产业经营均具有正向促进作用;农民资金互助合作社的互助金投放的覆盖面与农村信用合作社等传统农村正规金融机构形成了互补关系。在此基础上,提出了相关政策建议。     

Responsibility,planning and risk management: moralizing everyday finance through financial education

The individualization, privatization and marketization of risk management represent a fundamental dimension of the financialization of everyday life. As individuals are required to engage with financial products and services as the main way of protecting themselves from risks and uncertainties, their economic welfare and security are construed as depending largely on their own financial decisions. Within this setting, the concept of financial literacy and accompanying practices of financial education have emerged as a prominent institutional field handling the formulation and communication of the attributes and dispositions that arguably constitute the proper financial actor. This article analyzes financial education programmes currently conducted by state agencies in Israel, examining the notions and principles they articulate when defining and explaining proper financial conduct. The study indicates that moral themes and categories occupy a salient place in the formulation of the character traits that constitute the desired literate financial actor. Notions of individual responsibility, planning ahead and rational risk management are presented not merely as instrumental resources, but as moral imperatives. Through these notions, the programmes moralize a broad array of everyday practices of personal finance such as saving, investing, borrowing and budget management, thereby connecting the sphere of financial matters to the domain of moral virtues. Offering a representation of particular modes of financial conduct as constitutive components of morally virtuous personhood, these practices imbue the financial field as a whole, especially its current generalized logic of individualized and marketized risk management, with moral meanings, hence contributing to the normalization and depoliticization of the financialization of everyday life.     

Cross-validation of the screening scale in an adult protective services sample

Adult Protective Services (APS) professionals are often called on to assess decision-making capacity when investigating financial exploitation. Previous research found that in consecutive APS cases, a decision-making screening scale (LFDSS) also detected financial exploitation. The purpose of this study was to apply the clinical cutoff scores derived from the previous study to a new sample of APS cases. Using a sample of 105 participants, from APS workers across 5 counties this study investigated the clinical utility of the LFDSS to detect financial exploitation based on ratings by APS professionals using the scale. Results demonstrate that the LFDSS has excellent internal consistency and clinical utility properties. This paper provides support for use of the LFDSS as a reliable and valid instrument. Instructions for use of the LFDSS are included in the article, along with information about online support tools.     

Improving medicolegal death investigative gaps of fatal elder abuse

The purpose of this brief is to present several case vignettes that illustrate omissions in the investigation of elder deaths. These vignettes demonstrate the need for a standardized approach in the conduct of medicolegal investigations of fatal elder abuse. For each of the described oversights, a recommendation is offered to address the gap in investigation processes, which in turn could improve the determination of cause and manner of elder death. Inherent limitations of resources and practical realities of death investigation are discussed and recommendations are made for future research. Viewed broadly, deficiencies in elder death investigations can lead to the underreporting of elder abuse and the reduction of legal options for victims, which may reflect a systemic pattern of social injustice.     

Identifying Systemically Important Banks: A temporal approach for macroprudential policies

Contrary to the general belief, systemic risk does not only regard the risk posed by balance sheet relationships and interdependencies among institutions. It also features a temporal dimension related to the inappropriate responses of financial market participants to changes in risk over time. This paper proposes a method to simultaneously address the cross-sectional and the time dimension in which systemic risk materializes. The method is based on the TOPHITS algorithm. It provides three scores, namely borrowing, lending and time scores: the first two represent the systemic importance of the borrowing and the lending activity associated with each financial institution,while the third represents an empirical Early Warning Signal of the financial crisis. Our findings reveal that the identification of the time score as an indicator for an incoming market distress could be relevant to design macro prudential policies.     

基于信息披露文本的上市公司财务困境预测:以中文年报管理层讨论与分析为样本的研究

本文采用文本分析方法研究了中文年报管理层讨论与分析传递的管理层语调能否提供财务困境预测的增量信息、能否提高预测的准确性以及文本内容的信息价值,主要结论为：（1）管理层语调确实为财务困境预测提供了新的信息,能提高财务困境模型的拟合程度和预测能力;（2）管理层语调是对定量财务数据的重要补充,而且这些信息并没有在市场交易价格中得到充分反映;（3）负面语调比净语调具有更高的信息价值;（4）财经文本情感或语调的分析应以基于相关来源财经文本的情感词词典为基础,而直接引入其他领域成熟词典的效果较差。     

我国土地征收权滥用的法律探析

土地征收权合法性的核心要件在于公共利益目的、正当法律程序和公平合理的补偿。结合我国人多地少的国情,有必要对公共利益采取列举式的立法体例进行严格界定,同时引入"公共产品"的概念,淡化地方政府在征地过程中的"经济人"角色,将土地被征收后的增值部分完全分配给失地农民。