基于B/S模式的高校国家助学贷款管理系统构建

在研究国家助学贷款政策和分析高校实际管理流程的基础上,构建了基于B/S模式的高校国家助学贷款管理系统,实现了国家助学贷款管理中所要求的学生申请、网上审核、贷款审批、贴息计算、数据上报统计等功能,旨在促进高校国家助学贷款管理工作的科学化、信息化和网络化。     

骗取贷款罪的准确适用探究

本罪旨在将使用欺诈手段骗取银行贷款,致使银行贷款的安全回收产生了具体性危险,又难以证明借款人主观上具有非法占有目的行为,纳入刑法规制的范畴,从而将预防金融风险的防线前移。本罪采用的是具体危险犯与实害犯折中的立法模式。骗取银行贷款后用于生产经营等正当目的,以造成重大损失为成立该罪的条件,否则,即便按期还本付息,只要骗贷行为使银行贷款的回收产生了具体性危险,也有可能评价为“其他严重情节”而构成本罪。     

消费文化与1990年以来大学题材小说的叙事成规

1990年代以来的大学题材小说浸染着浓厚的消费文化色彩,并促其生成了一套深层的叙事成规。污名化的同质叙述对大学的指认带有否定性价值。二元对立的惯习叙事模式,主要表现为堕落与守望的对峙。新闻化的叙事使小说充斥着大量新闻信息,小说的想象与虚构因素匮乏。人物塑造类型化、浅显化,缺少新意与深意。     

从阶级认同到消费认同：农民(工)身份认同的代际转向

在对农民（工）的传统身份进行简要回溯的基础上,力图通过历史性的社会结构分析,对这一群体的身份认同进行梳理。在梳理的过程中,聚焦制度结构变迁与农民工实际的生活处境,以消费为分析主轴,重点考察老一代农民工与新生代农民工之间出现的认同差异。研究认为,在高度流动性和商品化的消费时代大背景下,作为农民工主体的新生代农民工,正面临着重新适应新环境和建立“认同”的过程,出现了新的、以消费为取向的身份认同转向。     

新生代农民工消费行为实证研究——以南通市为例

基于对南通市所辖崇川、港闸区及经济技术开发区进行的414份问卷调查,借鉴以往对老一代农民工消费行为的研究成果,从定量角度分析了新生代农民工消费行为的基本情况、特点及影响因素。研究表明:与老一代相比,新生代农民工消费理念中传统与时尚元素并存,用于自我能力提升和人际网络构建的消费比重攀升,消费方式呈多元化并出现群体分化。群体性因素、婚姻及人生规划对新生代农民工消费行为有着重要影响。     

关于高校贷款的两点思考

随着我国高等教育的快速发展,单纯依靠政府拨款已经不能满足高校发展对资金的要求,从金融机构获得贷款,解决了高校需要若干年才能实现的资金规模扩充的难题。然而,贷款必然形成负债,是有资金成本和财务风险的。因此,充分认识高校贷款的基本原则,加强贷款资金管理,提高资金使用效益,显得非常重要。     

我国房地产贷款证券化探讨

通过分析美国次贷危机及其对我国房地产贷款证券化的启示,从多个方面剖析了我国房地产贷款证券化中存在的问题,提出了诸如发挥政府作用、改善金融环境、组建专门的住房抵押证券公司、完善风险机制等一系列有效防范和控制新时期贷款风险和完善证券化市场应采取的措施和对策。     

USING CONJOINT ANALYSIS TO PREDICT TRIAL AND REPEAT-PURCHASE PATTERNS OF NEW FREQUENTLY PURCHASED PRODUCTS*

A new approach is proposed to evaluate new-product opportunities. This approach uses the distribution of brand-purchase probability of the new product over a population of potential customers and the outputs from conjoint analysis. The heterogeneous distribution of brand-purchase probability is expressed by a beta binomial brand-choice model compounded with a negative binomial product-class purchase-incidence model. The resulting model provides a way to predict trial and repeat-purchase patterns of new-product concepts. The paper discusses the development of the model. It also discusses issues of measurement, estimation, testing, and implementation of the proposed approach based on actual empirical data.     

The effects of information form and domain-specific knowledge on choice deferral

Three studies examined the effect of information form on choice deferral in consumer choice and explored the moderating role of knowledge about the product domain. Two theoretical approaches were contrasted: (1) The process approach predicting that choice deferral varies as a function of information form, and (2) the communication approach predicting an interaction of information form and domain-specific knowledge. Participants were presented with different laptops described in an absolute (e.g. ‘300 GB hard disc’), evaluative-numerical (e.g. ‘hard disc with 30 out of 100 points in an expert rating’) or evaluative-verbal (e.g. ‘bad hard disc’) information form, and they could choose to buy one of the laptops or defer. Domain-specific knowledge was also assessed. In Study 1, evaluative-numerical and evaluative-verbal values led to more deferral in people with high domain-specific knowledge. The pattern for evaluative-numerical and evaluative-verbal values was replicated for a different information organization in Study 2. Study 3 showed that absolute values led to more deferral the less knowledgeable participants were and demonstrated that domain-specific knowledge and deferral were unrelated when absolute and evaluative-verbal values were presented in combination. In sum, the results support the communication approach and have methodological implications for decision research and theoretical implications for understanding choice deferral in real-life decisions.     

Consumer Effort in Promotional Incentives

Consumers need to exert effort to use the incentives provided in a promotion campaign. This effort is critical in the consumers’ decision process and for the success of the campaign. We develop a model of consumer redemption effort that is general in nature and is applicable to coupons, rebates, and other price‐discrimination devices. We find that the impact of redemption effort is quite intricate on a firm’s profit and consumers’ surplus. We find that there are cases where a firm would like to operate in a low redemption cost environment while consumers would be better off with higher costs. We identify cases where price can remain the same with or without the promotion. In these cases, it is possible that the surplus for each individual consumer is higher when a firm price discriminates and improves its profit. Our results indicate that a firm would rather have variation in consumer redemption costs than to have variation in consumer valuations. However, in a market with low valuation variability, consumer redemption cost variability is essential for an efficient promotion campaign. Therefore, the markets that naturally have a lot of variability in consumer valuations should be the ones targeted for online promotion programs that reduce consumer effort levels, not the markets with low variability.