论个人储蓄存款账户的物权性质

个人储蓄存款账户适用法律上的独立性，尽管在现行法律法规在处理个人储蓄存款账户时存在多种矛盾，但是，个人储蓄存款账户仍具有债权性质的物权。     

嘉庆朝内务府人参变价制度的新变化

乾隆朝内务府确立了人参变价制度,这成为其重要的财源。嘉庆时期,其人参变价在变价途径、变价价格等方面出现了一些新的变化。这些变化的出现是嘉庆皇帝统治政策调整的结果。它有着极为恶劣的影响：不仅使得内务府加剧了对两淮盐政的经济掠夺,而且进一步破坏了东北的生态平衡。这是道光朝人参变价困境的重要因素之一。     

论邮政储蓄对中国利率市场化的负面影响

中国的邮政储蓄有着深刻的计划经济的烙印,其实质是中央银行利用邮政网络吸收资金,供自己调度使用,整个体制反映的是由政府控制资源分配的思维。同时,这种体制安排不仅在当前排斥着市场作用的发挥,而且扼杀了未来市场力量的萌芽,如社区银行的成长,增强了中国货币政策的内生性,对当前积极的货币政策也有一定的负面效应。所以,将邮政储蓄改造为自负盈亏的商业银行已是利率市场化的内在要求。     

户籍管制放松、就读地选择与进城家庭教育支出

本文利用中国家庭收入项目调查数据(CHIP2007),运用Two-Part模型研究户籍管制放松是否影响以及如何影响有7~16岁在读子女进城家庭的教育支出行为。研究发现,户籍管制放松会影响进城家庭子女就读地选择;对于有子女在城市就读的进城家庭,户籍管制放松对其教育支出水平的影响取决于家庭收入,放松户籍管制将会降低低收入进城家庭的教育支出份额,但会提高高收入进城家庭的教育支出份额,具体影响大小因家庭收入水平的不同而存在差异;在总样本均值处,户籍管制放松1个百分点,进城家庭教育支出将减少1.3945个百分点。在推进新型城镇化建设的背景下,放松户籍管制的意义不仅在于促进教育公平,更在于加快人口城镇化步伐、改善进城家庭消费结构和提振国内消费。     

Welfare analysis of a tax reform for Germany: a comparison of the unitary and collective models of household labour supply

We compare results of a tax reform analysis obtained with the collective and unitary models of household behaviour. We simulate real world micro-data by means of a collective approach, using a compound procedure of estimation and calibration based on the 1998 wave of the German socio-economic panel. We estimate a unitary model on this ‘collective’ data set. Investigating a move from joint to individual taxation on the basis of both models, we obtain important discrepancies between predicted adjustments to labour supply and distortions in the welfare analysis of the reform on the basis of unitary estimates.      

利率变动对储蓄、消费和投资影响的理论与实证分析

利率是国家宏观调控的重要经济杠杆。 1996年以来 ,我国已连续七次下调利率 ,但分析结果表明 ,利率下调并未产生预期的效果 ,消费、储蓄和投资对利率变动均无弹性。因此在对现代西方利率作用理论及利率政策进行探索的基础上 ,从市场主体角度认真分析研究对我国利率下调效果及影响因素 ,对进一步发挥利率的作用 ,使利率政策更好地为发展我国国民经济服务 ,具有重要的意义。     

从“一户一宅”的视角探讨农村宅基地使用权取得

目前,农村宅基地使用权的取得比较混乱。现行立法对户的内涵的界定比较模糊,使得“一户多宅”现象较为突出。房屋继承后,“地随房走”原则的贯彻,促使“一户多宅”现象更加严重。宅基地使用权获得后,有时并不立即建造房屋,造成宅基地使用权取得与建造房屋的目的相脱离。作者认为,法律应该对宅基地使用权的取得与房屋的建造之间规定一定的期限。农村因继承房屋而能否实际取得宅基地使用权需要具体分析。农村宅基地使用权的取得需要通过立法进一步完善。     

Differences in allocation of family time spent on household tasks among single-parent,one-earner,and two-earner families

The purpose of this study is to use analysis of covariance to examine variations in time use among single-parent, one-earner, and two-earner families and to assess the effects of two covariates, Age of the Younger Child and Hours of Employment of the Homemaker, on total family time spent on household tasks. Data were collected from 81 single-parent and 210 two-parent California households using a questionnaire, time chart, and personal interviews. The greatest discrepancy between single-parent and two-parent families is that single-parent families spend significantly less time than two-parent families on Maintenance of the home and yard and on Nonphysical Care (social interaction with family members). One-earner families spend almost as much time as two-earner families on Nonphysical Care, but only when Secondary Time is included. Two household activities, Clothing Care and Management, are not affected by either family type or the covariates.This study utilized data from USDA Regional Research Project NE-113, An Urban-Rural Comparison of Families' Time Use.Jeanne M. Hilton is an Assistant Professor of Family Economics and Management, Department of Human Development and Family Studies, University of Nevada, Reno, NV 89557. She received her Ph.D. from Oregon State University. Her current research interests include work and family issues within the context of family structure.     

中国居民储蓄的决定:理论与实证

中国居民储蓄存款从收入时序看 ,主要受当年收入和下年收入影响 ;从收入稳定性看 ,主要受短暂收入影响 ;从利率看 ,主要受名义利率影响 ,而与实际利率的关系在 1990年前后发生了明显的结构变动。同时 ,城镇居民与农村居民储蓄对收入和利率变动的反映表现出极大的差异性。     

美国个人退休帐户发展状况分析

阐述了美国个人退休帐户三十余年来各个历史发展阶段中所呈现的特点,分析了个人退休帐户如何逐步发展壮大,并深入到美国家庭中,进而通过深入分析投资于IRA家庭的特征、账户资产状况、投资状况三个方面的状况,提出IRA在美国家庭养老储蓄中具有的重要作用,IRA是退休养老的重要保证。