贷款规模管理的新形式及其影响--1996-2004 年上半年货币扩张的因素分析

1996-2003年我国央行基础货币和准备金率均逐年提高,2004年上半年则下降。中央银行对基础货币的管理与稳定宏观经济的目标不完全一致,对法定准备率的调整实际上也不起作用。由于存在行政关系,通过控制商业银行贷款规模,中央银行也参与超额准备率的决定。国有商业银行具有降低超额准备率的倾向。中央银行对商业银行贷款规模的管理成为制约超额准备率、实际准备率的主导因素。因此,我国货币供给具有外生性。但是,中央银行对贷款规模的管理会对商业银行的经营状况造成不利影响,并推迟国有商业银行市场化改革的进程。     

论高校贷款办学风险及其防范

高校为了适应高等教育大众化的要求,扩大办学规模,加快发展高等教育事业,同时为了解决资金紧缺而引入贷款机制.文章对贷款所产生的风险进行分析,揭示贷款风险不良后果的主要表现,并在风险防范方面提出了若干建议.     

国营商业企业流动资金占用中存在的问题及其解决办法

本文根据实地调查,就某国营商业企业流动资金占用中存在着的不合理现象进行了全面分析,并提出解决途径。     

浅谈卖淫问题及其解决对策

卖淫在我国一直是一个严重的社会问题,且有愈演愈烈之势.一个女人为了一种完全非内心的、纯粹外在的回报而献出自己最隐秘、最个人性的东西时,货币等价物就把人类尊严降到了最低点.由于社会需求的存在,卖淫在可预见的将来是无法消除的.要减轻卖淫带来的道德败坏、卖淫女犯罪、吸毒等危害,我们要从法治与德治两途径去考虑.     

我国货币流通速度计量分析

通过计量分析研究我国1978年—2003年间货币流通速度的变化,指出影响我国货币流通速度的主要因素有经济货币化、金融现代化、储蓄率、利率和通货膨胀率,并予以不同程度的解释。提出我国在制定货币政策时,应注意货币流通速度的变化。在此基础上对改善这种状况提出相应建议,以供相关部门参考。     

我国货币供给与股票价格的关联性

在威廉斯估价模型和货币内生性理论框架内,通过理论分析可以看出,股票价格变化会对货币供给变化产生一定冲击,同时,货币供给变化也会对股票价格变化产生一定影响。但是,通过选取中国金融市场的历史数据进行平稳性检验和协整分析,并建立VAR模型,用SAS编程对货币供给与股票价格进行格兰杰因果关系检验,运用脉冲响应函数和方差分解对此因果关系及VAR模型的参数进行解释后,得出的结论却与理论分析有所不同：股票价格变化对货币供给变化具有显著的影响,且对各层次货币供给影响程度不同,但货币供给变化对股票价格变化的影响却不显著。因此,管理当局不仅要分析宏观经济对货币的需求,也要关注股票价格变化对货币供给的影响。     

脉冲响应函数下的我国货币需求变动与决定

基于V A R模型的脉冲响应函数法和预期方差分解法,分析了我国2000年至2013年期间的货币需求与相关经济因素之间的动态影响特征。研究表明狭义货币、广义货币分别与相关的经济变量存在长期的均衡关系。狭义货币、广义货币对GDP的冲击分别呈现抑制效应、对SV的随机冲击主要呈现正效应、对R的随机冲击主要呈现抑制效应、对CPI的冲击呈现正效应和抑制效应交叉出现的现象。狭义货币、广义货币新息冲击对其自身预测均方误差的贡献度最大。新息冲击对狭义货币预测均方误差的贡献依次为：一年期定期存款名义利率（R）、沪深两市A股总市值（SV）、国内生产总值（GDP）、消费者物价指数（CPI）。新息冲击对广义货币预测均方误差的贡献依次为：国内生产总值（GDP ）、消费者物价指数（CPI ）、一年期定期存款名义利率（R ）、沪深两市A股总市值（S V ）。根据实证结论,得出相关经济变量对货币需求的影响,并据此提出有利于完善货币政策的建议。     

‘Family money’ and ‘business money’: bankrupt entrepreneurs in a ‘question situation’

This paper addresses the question of bankruptcy and honesty in local contexts, and especially the problem of the bankrupt small businessman in conveying ‘honesty’ to the local community. Studying bankrupt entrepreneurs, the analysis explores a tacit dialogue between the failed businessmen and the small town communities where they live and work. The bankrupts respond to their seemingly mistrustful surroundings by demonstrating their respect for the dividing line between two social categories of money: ‘company money’ and ‘family money’. This discursive resource expresses business ethics and respectability, both essential for the bankrupt entrepreneur to start another business in the local community. The empirical material in the study consists of interviews with 22 businessmen who had created small businesses and experienced at least one bankruptcy, half of them in small towns. The entrepreneurs were found through court records and word of mouth. Interviews were conducted by the author and by graduate students from the Department of Sociology in Lund. All interviews were tape-recorded and transcribed verbatim.     

Money as a Tool for Negotiating Separateness and Connectedness in the Therapeutic Relationship

It is nothing new to suggest that money has meaning. Whether or not one accepts Freud's (1908)linkage of money and feces, within our culture money is frequently seen as a direct pathway to feelings of power, agency, self-directedness, and personal satisfaction. Trachtman (1999) states, Money, psychologically speaking, is our projection onto coins, bills, bank accounts, and other financial instruments of our beliefs, hopes, and fears about how those things will affect who we are, what will happen to us, and how we will be treated by others or by ourselves...(Trachtman, 1999, p. 283). Yet this material is often unavailable for therapeutic exploration or understanding until it explodes into the therapy, often in unmanageable and countertherapeutic ways. This article will look at some of the ways in which money can be utilized to negotiate the ever-changing tensions between self and other, object and subject, intrapyschic and interpersonal, connection and separation that appear in every relationship. In particular, it will explore some ways that money issues within the therapeutic relationship can be turned into significant tools for understanding and working with anxieties about connection and separateness, both within and outside the therapeutic dyad.     

College Students' Money Beliefs and Behaviors: An Asian Perspective

The multidimensionality of money was investigated, using exploratory factor analysis (EFA). The respondents, 290 college students from Korea, Japan, and the United States, were administered a survey, which included socio-demographic questions, and Furnham's (1984) Money Beliefs and Behaviors (MBBS) Scale. Through a series of principal components analyses, a three-factor model with 10 MBBS items was identified. The three factors, Power, Security, and Financial Modesty accounted for 53.6% of the variance. The findings have implications for college students and financial management practitioners.