降价表述方式与消费者感知的降价幅度和购买意愿

降价的表述方式通常有相对于原价的百分比降幅和绝对减让幅度两种.本研究分析了这两种降价表述方式对消费者感知的降价幅度和购买意愿的影响,结果表明:在不同的产品价格水平和降价幅度下,这两种降价表述方式对感知降价幅度的影响是不同的.此外,对低价格产品,消费者对价格信息关注的程度会影响他们感知两种降价表述方式下的降价幅度.     

中国影子银行违约风险和防范机制研究——来自上市公司委托贷款数据的经验证据

本文运用中国上市公司披露的委托贷款公告数据，实证研究了影子银行的违约风险及其防范机制。数据显示，我国委托贷款的整体违约率为10.09%，远高于同期银行业金融机构的不良贷款率。进一步研究发现，与影子银行风险受信息因素影响的直觉一致，抵押条款和借贷距离会显著影响委托贷款违约率：其一，从抵押视角来看，抵押条款和贷款违约率显著正相关，这表明，为了防范事后的道德风险问题，贷款者会要求借款者提供抵押；其二，从借贷距离视角看，与近距离借贷（或同省借贷）相比，远距离借贷（或异省借贷）的违约风险相对较高，这揭示出，借贷距离越远，贷款者越难对借款者进行甄别和监督，从而推高了借款企业的违约概率。本文研究不仅为我国委托贷款这一影子银行机制的风险状况提供了直接的经验证据，而且对影子银行参与者如何有效防范风险和相关政府部门加强监管具有重要的借鉴意义。     

论消费社会中的个体身份认同——以乔治·佩雷克的小说《物》为例

乔治·佩雷克的第一部小说《物》常被界定为写实小说,但是仅从它的篇幅便可看出佩雷克的真正用意并不是在深入剖析消费社会的机制,而是在探求人的个体意识。通过探讨小说主人公的欲望、行动与其内心的虚无感之间的关系可以窥见他们如何在消费社会中努力寻求个体身份认同以及作品所体现的现实意义。     

宁夏农村民间借贷与农村金融体制改革的实证研究 ———以盐池县、同心县与中宁县为例

目前,如何破除农村金融的瓶颈约束,促进“三农问题”的解决,成为众多学者所关注的问题。由于各省市区情况不同,从而改革必须因地制宜,切不可一刀切,所以笔者在文章中,将立足于宁夏农村地区实际,以农村民间借贷为切入点,探索一条适合宁夏农村实际情况的金融改革之路。文章以制度经济学理论为依据来论证农村金融体系二元性特征即正规金融与非正规金融并存的合理性;接下来运用实证分析的研究方法,立足宁夏农村,结合课题组的调研资料,分别就当地正规金融与非正规金融(民间借贷)的现状、问题及作用进行全面分析;进而结合实证分析所得出的结论,有针对性地就宁夏农村金融体制改革提出有价值的对策建议。     

减租减息与淮北抗日根据地农民的社会流动

抗日战争时期,党在淮北抗日根据地实行了比较彻底的减租减息,它在经济上削弱了封建剥削,改善了农民的社会生活,促进了根据地土地和阶级关系的变化,引发了根据地农民的社会流动和阶级结构的变化,有利于根据地社会的稳定,为根据地的巩固与扩大奠定了坚实的基础.     

Themes and Trends of Journal of Family and Economic Issues: A Review of Twenty Years (1988–2007)

This review article examines the progress and impact of the Journal of Family and Economic Issues (JFEI) between 1988–2007. Over the past 20 years, JFEI has become a major journal publishing articles on the relationship between families and economic systems. JFEI contributed to both the economic and family studies disciplines by publishing articles that explore the interface of these two disciplines. Between 1988 and 2007, JFEI published articles on a variety of themes not often found in other economic or family studies journals such as family resource management, consumer attitudes and behaviors, and economic issues and family relationships. Other unique characteristics of JFEI include many collaborative multidisciplinary studies and many studies analyzing international or cross-cultural samples.     

Modeling collecting behavior: The role of set completion

Collecting is a complex behavior that has been studied from a variety of different perspectives. Art objects, stamps, coins, and other established collectibles markets, have been shown over the years to provide some degree of return to the collector in the economics literature. Wonderment over the success of certain collectibles such as Swatch watches and Beanie Babies has received much attention in the popular press. But how does one rationally explain the collecting of matchbook covers, Cracker Jacks toys, belt buckles, salt cellars, Aunt Jemima, etc.? Collecting in the absence of financial gain has received little attention in the economics literature. In the social psychology literature, many individuals are understood to have a natural desire to collect things for various reasons. Financial gain is only one of those reasons. Set completion is another. The reasons for collecting are not always mutually exclusive. For example, a complete set may be worth more in the secondary market, if one exists, than the sum of the individual pieces. This reflects the value of the rarest pieces and the opportunity costs of obtaining them. The model presented in this study explains how set completion motivates collecting behavior, which sheds light on collecting for both financial and nonfinancial reasons. The model accommodates both collectors and noncollectors and illustrates how consumption behavior may vary accordingly. Insight into how manufacturers of collectibles can use this behavior for commercial exploitation is explored.     

国家助学贷款由入学地改为生源地的必要性与可行性

国家助学贷款已开展多年,然而执行情况并不理想,造成助学贷款难的原因很多。入学地商业银行办理助学贷款过程中对执行国家助学贷款政策产生了各种忧虑,银行没有开办助学贷款的积极性可以说是一种必然结果。只有改入学地助学贷款为生源地助学贷款,才有可能解决长期困扰学校、学生、银行的这一难题,使贫困学生顺利圆自己的大学梦。     

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。     

近代日本消费需求变动的因素分析

长期影响近代日本消费需求变动的因素主要有四个方面:国民经济的不断增长和国民收入的不断提高是近代日本消费需求逐渐上升的物质基础和前提条件;近代工矿交通事业的发展,使国民收入分配格局朝着有利于劳动的方向转变,这是促进近代日本消费需求不断上升的积极力量;人口规模及其构成的变动是近代日本消费需求不断上升的重要推动力量;消费的示范效应、攀比行为和不可逆行为对消费需求不断上升起着一定的推动作用。