互联网发展对银行信贷质量的影响研究

互联网发展给银行信贷资产质量管理带来了全新机遇。将互联网发展、信息不对称和银行信贷质量纳入分析框架,从事前和事后两方面详细论证互联网发展减少银行与借款人之间信息不对称的机制和效果。结果发现,互联网发展能够提升银行资产质量,有助于控制信贷风险。互联网发展不仅提高了银行与借款人之间事前沟通的频次,还在事后增强了银行贷款的监督调整能力。除此之外,由互联网催生的数字普惠金融对银行信贷质量有正向溢出作用,这是互联网发展影响银行信贷质量的间接机制。     

我国互联网扩散之地区差异的影响因素探究

基于创新扩散理论,对我国互联网扩散的地区不平衡状况及其影响因素进行了初步探索。研究采用基尼系数概念来描述互联网发展的地区不平衡,并通过回归分析探究影响互联网扩散的关键因素。研究发现,近年来我国的互联网发展的地区差距在不断缩小,其差异程度逐渐和经济发展水平的差异程度接近。而决定中国不同省份之间互联网扩散差异的主要因素是随着时间推移而有所变化的。在扩散的早期阶段,经济因素(人均GDP)具有显著影响;随着扩散过程的继续,其他因素如消费结构和生活方式也对互联网扩散有一定程度的作用。     

异质性产业集聚对城市创新发展能力的影响

城市创新圈是创新要素的高聚集、高密度的创新系统。本研究尝试将产业集聚和数字经济同时纳入城市创新发展能力的分析框架,基于中国2005—2020年262个地级市面板数据,通过理论分析与GMM模型实证检验相结合,讨论产业集聚对城市创新发展能力的影响。主要结论如下：产业集聚均对城市创新有着正向的促进作用,并且促进效果顺序是制造业集聚大于协同集聚,生产性服务业集聚排在最后。异质性检验表明,在产业集聚对城市创新的影响中,南方地区城市均表现显著的促进作用,北方地区城市则只有制造业集聚对城市创新存在显著的促进作用。数字经济只在制造业集聚对城市创新的促进作用中发挥正向调节作用,在生产性服务业集聚和协同集聚对城市创新的影响中均发挥出负向调节作用。     

数字经济对地区经济增长差距的影响效应分析

文章基于中国30个省(自治区、直辖市)2013—2020年的面板数据,运用固定效应模型、中介效应模型和空间杜宾模型等方法,实证检验了数字经济发展对地区经济的影响及其传导机制。研究发现,数字经济发展显著缩小地区之间的经济差距,运用工具变量估计、替换被解释变量、剔除异常值等方法进行稳健性检验后,该结论依然成立。中介效应分析表明,地区创新能力是数字经济缩小地区间经济差距的重要机制。空间溢出效应分析表明,数字经济发展对地区间经济增长差距的缩小具有负向的溢出效应。空间异质性分析表明,东部地区数字经济发展对地区经济增长差距的缩小效应相比中部、西部地区更显著;南、北方的异质性分析表明,北方地区数字经济发展对地区经济增长差距的缩小的积极作用比南方更显著。最后,为我国发展数字经济、充分发挥数字经济对缩小地区经济差距,实现地区间协调发展提出政策建议。     

数字经济条件下电商平台责任认定难题和治理出路

在我国大力发展数字经济的时代背景下,电商平台具有独特的法律地位,在为平台内经营者与消费者之间搭建交易平台时,其凭借与二者间形成的平台服务关系,间接地对交易关系发挥着实质影响,成为隔离买卖双方的信息要素持有者。在消费者权益保护方面,我国立法虽然严格地规定了电商平台的过错责任和连带责任,但在因平台消费引发的民事案件中,极少出现判令由平台向消费者担责的判例。细究判理,虽然立法上有较为全面的责任设计,但与个案层面人民法院需要遵循的追责逻辑并不契合,立法规定的电商平台责任面临着严重的实施困境。从实践情况看,困境集中表现为:在认定平台存在主观明知时缺乏裁判标准,在确认违法经营行为出现后电商平台所采取的措施是否具有必要性时缺乏明确的程度衡量规范,导致消费者因举证不力而败诉。根本上讲,原因在于相关立法仍秉承电商平台是交易辅助人的传统思维。这与其在数字经济凭借技术优势对买卖双方享有的强势地位并不相符,故而应当基于数字经济区别于传统经济的特征,构建涉电商平台纠纷的数字经济责任模式;在价值理念上纠正商品服务关系中认定电商平台的误区,回到平台与用户的数字信息服务关系上,明确其应当负有的法律责任,促进平台与政府、用户、社会主体共同打造数字经济秩序的治理合作关系。     

文化生态视域下阴山地域民族文化资源的数字化保护研究

从文化生态学的角度,对阴山地域民族文化资源进行数字化保护是促进阴山文化认同、实现阴山文化生态建设的重要技术手段。阴山地域各部门应该积极建设阴山地域民族文化资源数据库、展开多领域数字化合作和宣传,将数字化技术与文化产业有效对接,实现生产性保护等,有效促进阴山地域民族文化资源的保护和传承,实现阴山文化认同,全方位构建阴山文化生态圈,促进阴山地域经济和社会的全面发展。     

疫情之下数字经济发展对经济的影响研究

2020年,我国第一季度GDP同比下降6.8%,消费、投资两大引擎均呈现显著的负增长,新冠肺炎疫情对国民经济和居民生活造成了巨大的冲击。文章通过对“非典”时期与新冠肺炎疫情时期我国经济发展状况的比较分析,研究数字经济发展对经济的影响。结果表明,现阶段我国产业结构和互联网发展程度相比“非典”时期有显著变化,在线医疗、在线教育、电商送货、在线办公等数字经济产业是我国应对疫情不利影响、实现产业转型升级并稳定就业的新引擎。加快推动数字经济和各行业的深度融合,是我国数字经济发展的重点方向。     

Youth Jury Policy Deliberation: Towards a Fair and Responsible Internet

Young people aged between 12 and 17 across three major British cities — London, Leeds and Nottingham — were invited to play the role of ‘jurors’ on a case where ‘the Internet was put on trial’. The recommendations reported in this paper are intended to improve digital experience and online safety as contributions to policy. These recommendations derive from the ‘youth jurors’ policy deliberations designed to encourage young people to reflect on their digital experience and collectively develop their own problem definitions and solutions.     

“I Really Belong Here”: Civic Capacity-Building among Returning Citizens

This article focuses on unlikely movement actors whose civic engagement has been understudied: people with criminal records (“returning citizens”). We present findings from 18 months of ethnographic research with members (leaders) of Fighting to Overcome Records and Create Equality (FORCE), a civic group led by returning citizens. FORCE leaders received institutional support from Community Renewal Society (CRS), a larger faith and community-based organization, to lead a rights reform movement in Chicago. Findings suggest that FORCE leaders constructed notions of kinship, recognition, and power through civic capacity-building efforts—and that social belonging was core to such capacity-building efforts. While bonding social belonging occurred as FORCE leaders formed kinship with people facing similar social and economic marginality, bridging social belonging emerged as leaders felt recognized by CRS staff organizers, affiliates, and elected officials. Bonding and bridging social belonging enabled FORCE leaders, who faced constant social exclusion in society, to experience much needed kinship, recognition, and power. Future studies should continue to uncover how local capacity-building processes have life-changing relational effects on movement participants from socially and economically marginalized groups.     

The ‘digital glimpse’ as imagining home

This paper proposes the concept of the ‘digital glimpse’, which develops the existing framing of imaginative travel. Here it articulates the experiences of mobile workers digitally connecting into family life and everyday rituals when physically absent with work. The recent embedding of digital communication technologies into personal relationships and family life is reconfiguring how absence is experienced and practiced by workers on the move, and through this, new digital paradigms for life on-the-move are emerging. This paper explores how such social relationships are maintained at-a-distance through digital technology – using evidence from qualitative interviews with mobile workers and their families. Digital technology now enables expressive forms of ‘virtual travel’, including video calling, picture sharing, and instant messaging. This has implications for the ways in which families can manage the social and relational pressures of being apart. Experiences of imaginative travel created through novel media can enrich the experience and give a greater sense of connection for both those who are at home and those who are away. While technology is limited in its ability to replicate a sense of co-presence, ‘digital glimpses’ are an emergent set of sociotechnical practices that can reduce the negative impact of absence on family relationships.