中国消费信贷市场中个人信用体系的构建

中国个人消费信贷近年来发展迅速,但随着业务的展开,贷款风险也逐渐显现。探讨中国个人消费信贷的发展特征,针对中国个人消费信贷业存在的突出问题,通过与美国消费信贷市场的对比,提出构建中国个人信用体系的若干措施,如最大限度地发挥国策方针的指导作用,个人消费信贷发放模式专业化、综合化,改革管理和经营体制,加强专业人才培养。     

Disability and going green: a comparison of the environmental values and behaviours of persons with and without disability

Some studies have suggested that socially excluded groups exhibit different environmental values and behaviours from mainstream society. To consider this in the context of disability, a survey was implemented to investigate environmental values and ecological behaviour. A high percentage of participants considered themselves to have a disability, long‐standing illness or infirmity. Over half of the sample had restricted physical mobility. The study used the revised New Ecological Paradigm Scale, a widely used measure of pro‐environmental orientation, and the General Ecological Behaviour scale to assess ecological behaviours. No significant differences were found between respondents with/without disability for either their general environmental attitudes or their general ecological behaviour. However, a positive correlation was found between level of physical mobility and general ecological behaviour. The results also show significant differences in the ecological behaviours of those respondents living dependently and those living independently; respondents living in care scored lower on the ecological behaviour scale.     

接受美学与品牌塑造

西方接受美学理论的内涵是“读者决定一切”,外国品牌的塑造真谛是“以消费者为中心”,两者的理论观点异曲同工,他们都启迪、受益于马克思主义、毛泽东思想。21世纪的中国企业应以中国人自己的先进思想,探索中国品牌原理,让中国的品牌健康生长、迅速发展。     

学习探究的认识反映论基础——学习观、教学策略与互动式课堂三维一体理念再解读

在汉、英双语并存的语言环境中,英语教学需要研究行为、意识与反映的联系机制。关注教学中普遍存在的“母语干扰”现象,要认识到母语干扰的本身也是一种母语促进,是一种可资利用的潜在教学情境资源;整合孤立语与屈折语的比较学习,在比较中完成识记与学习掌握;探索互动式教学的意识反映,利用其在行为活动与意念发生的课堂应答机制。这些,都具有教学实践价值。     

Bounded rationality and consumer choice: an evaluation of consumer choice of mobile bundles

Although numerous prior studies have examined consumer valuations in bundling transactions from a theoretical perspective, relatively few have focused on large datasets. In addition, little prior research has targeted developing telecommunication markets. To address these gaps in the literature, we examine the rationality of consumers' bundling choices in the mobile telecommunication industry, using operational data from China Telecom. We compare the current prices paid by consumers to the optimal prices of alternative bundling plans, based on the consumers' actual usage. We determine whether bundling choice is affected by risk aversion, the complexity of the bundle, and learning effects. The findings suggested that many users chose sub-optimal bundles that were more expensive than others were. The results showed that consumers were risk averse, and they were more likely to make non-optimal bundle selections with more complex usage patterns. No significant differences were found according to gender, age, or usage level.     

Expected and Actual Family Size in Greece: 1983–1997

On the basis of data collected in the 1997 fertility study in theGreater Athens area, in which a sub-sample of women previouslyinterviewed in the 1983 National Fertility Survey wereinterviewed again, the validity of aggregate and individualfertility intentions is evaluated. The main finding is thatfertility intentions slightly overestimate ultimate family size.Moreover, higher expectations are associated with higher`transition rates' towards having children and to shorter birthintervals for all parities.     

试论发展消费信贷及重点选择

消费信贷作为一项新兴银行业务 ,在我国发展有着极其重要的现实意义。消费信贷的主体是消费者和金融机构 ,政府则要做好行为规则的制定和实施工作。在消费信贷的重点选择上 ,农村以耐用消费品、文化教育等为重点 ,城市应以住房、教育、旅游等为重点 ,但其前提是要解决预期净收入下降 ,现期收入水平不高从而导致偿债能力不足与相应商品或服务需求显著增强的矛盾 ;解决问题的根本的出路是采取有力措施增加城乡居民的收入 ,完善各项配套制度。     

Avian Influenza in Vietnam: Chicken‐Hearted Consumers?

This study, based on quantitative and qualitative surveys conducted from July 2004 to September 2005, examines the perceptions of Hanoi consumers and their reactions to the Avian Influenza epizootic (H5N1). Hanoi consumers clearly link the risk of human contamination by the virus to the preparation and ingestion of poultry. During the first crisis, consumers reacted quickly and intensely (74% of them had already stopped eating poultry in January 2004). Nevertheless, once the crisis abated, they quickly resumed their consumption of poultry. This behavior corresponds to the pattern described by empirical studies of other crises, such as BSE. What is more surprising is the speed with which the different steps of this common pattern succeeded one another. It may be explained by a rapid decrease in risk anxiety. A logit model shows that, soon after the beginning of the crisis, AI risk anxiety was tempered by confidence in the information and recommendations issued by the government concerning AI and, in the long term, by a high perceived self-efficiency to deal with AI. Indeed, not only has poultry consumption been affected in terms of the quantity consumed, but alternative ways of selecting and preparing poultry have also been adopted as anti-risk practices. Risk communication strategies should take this into account, and rely on a previous assessment of consumer practices adopted to deal with the risk.     

探析我国经济通胀的现状及原因——基于货币需求理论的视角

进入2007年,我国的经济通胀出现加速趋势,并具有明显的结构性、区域性和阶段性特征,对我国的宏观经济安全构成一定威胁。现从货币需求理论的视角,探讨我国经济通胀的原因,提出制定应对通货膨胀的政策。更多从马克思的货币流通规律理论和弗里德曼的现代货币数量论入手,综合运用调控货币流动性和货币供求的多种工具,提出了问题的解决策略。