An Exploratory Study of Soldiers' Attitudes Toward a Matched Savings Program in Korea

ABSTRACT

This study explores the possibility of implementing a saving program for military soldiers in Korea. Over the past decade, asset-based programs have been expanded in Korea. Using a vignette method describing a military matched savings program and logistic regression, this study examines soldiers' attitudes toward a matched savings program. This study with a final sample of 224 soldiers in a Brigade in Korea found that 67% of survey participants are willing to join a savings program. In addition, most soldiers expect the program to have a positive impact on their military life, saving habits, and life after army service. A logistic regression analysis found that family relationship, duty type, rank, and age are significantly related to a soldier's willingness to join the program. The study provides policy and practice implications in that a military savings program may help soldiers to adapt to army service and prepare for life after army service. This study concludes with possibilities for future research when examining soldiers' attitudes toward a military savings program.     

20世纪20年代中国邮政储金事业探析

20世纪20年代是中国邮政储金初创的10年。在这短短的10年间,我国的邮政储金经历了从制度建立到业务发展的过程,凭着小额储蓄、稳妥安全的经营理念,其储金额、储金局数、储户数等基本业务指标总体上都呈上升的趋势。随着业务的不断发展壮大,资本的不断积累,邮政储金逐步成为中国邮政业和金融业的重要组成部分,最终于1930年被国民政府纳入其金融体系之中。     

多元视角下中美贸易失衡成因的实证研究

中美贸易失衡问题是两国近年来双边贸易争端的核心。造成两国贸易失衡的因素是多方面的,汇率、国际分工、整体经济失衡及FDI等因素都在不同程度影响两国贸易差额。通过回归分析发现,汇率水平、中国近年来持续快速的经济增长以及大量的FDI流入对中美贸易失衡都有影响。调整两国贸易差额需要多种手段,单纯依靠人民币升值很难解决中美贸易失衡问题。     

新型农村合作医疗对我国农民消费影响研究

以27个省份1999～2006年的宏观数据为基础,从描述和实证两个维度,对新型农村合作医疗制度的实施对于我国农民生活消费所带来的影响进行了考察。研究结果表明,由于减少了未来支出的不确定性,整体上来看,该制度的实施,不仅促进了我国农民在医疗保健方面消费支出水平的提高,也显著地推动了我国农民在其他生活消费方面支出水平的提升。     

Dynamic Choices of Hyperbolic Consumers

Laboratory and field studies of time preference find that discount rates are much greater in the short‐run than in the long‐run. Hyperbolic discount functions capture this property. This paper solves the decision problem of a hyperbolic consumer who faces stochastic income and a borrowing constraint. The paper uses the bounded variation calculus to derive the Hyperbolic Euler Relation, a natural generalization of the standard Exponential Euler Relation. The Hyperbolic Euler Relation implies that consumers act as if they have endogenous rates of time preference that rise and fall with the future marginal propensity to consume (e.g., discount rates that endogenously range from 5% to 41% for the example discussed in the paper).     

家庭资本对农村中青年居民养老策略的影响

借鉴可持续生计框架,采用多项logit模型,分析计划生育政策背景下农村中青年居民的家庭资本对其养老策略的影响。研究结果发现,家庭资本对农村居民的养老策略具有显著影响。子女数越少和家庭储蓄越多,农村中青年居民越倾向于选择依靠自己的储蓄来养老;反之,越倾向于选择依靠子女的资助或农村社会养老保险。而家庭资本对子女的资助和农村社会养老保险之间的策略选择并无显著影响。     

非法集资中的不特定对象标准探析 ——-证券私募视角的全新解读

集资对象是否特定影响民间集资行为的性质认定,非法集资的构成要件之一便是向不特定 对象集资。我国法律在这方面虽有规定,但所设定的标准简单抽象而难以把握,并且在实践中产生了亲 友标准模糊、口口相传行为定性不清等问题。在吴英非法集资案中,集资对象是否特定成了争议的焦点, 而且单纯依靠刑法已难以得出准确的结论。美国在证券私募融资领域建构了“安全港”法律制度,这一制 度在完善我国非法集资中的不特定对象认定标准方面具有重要的借鉴价值。我国可通过修正现有的刑 事法律规范,明确不特定对象的内在含义,改变现有的融资法律规制格局,转变政府的金融监管哲学,从 根本上解决不特定对象认定困难的司法难题。     

中部地区农民预防性储蓄行为分析——以山西省为例

在预防性储蓄理论指导下,借鉴缓冲储备模型,结合地区特点,构建了计量模型。然后利用1980年～2010年数据,对山西农民高储蓄现象进行了实证分析,结论表明:1.习惯因素,是该地区农民高储蓄的原因,前一期的储蓄每增加1%,本期的储蓄就增加0.217%;2.各种不确定性增强了农民储蓄动机;3.农民的收入依旧是制约消费的主要因素。     

Conditional Cash Transfers and Financial Access: Increasing the Bang for Each Transferred Buck?

This article discusses the potential benefits and challenges that may arise if CCT programmes were to deposit transfers directly into recipients’ savings accounts. Over 33 countries around the world use CCT programmes as a strategy to fight poverty. Depositing the transfers into a savings account could give millions of households access to the formal financial system. Using the scarce evidence to date, we highlight opportunities that could help the combination of CCTs and formal savings accounts to bring financial inclusion to their recipients.     

小议居民储蓄向风险投资转化的障碍

在我国城乡居民储蓄连年攀升的同时,风险投资不足却成为制约我国高新技术企业发展的瓶颈因素。分析了居民储蓄向风险投资转化的障碍性因素,最后提出了引导居民储蓄向风险投资转化的对策。