我国电子商务发展的制约因素及应对策略

电子商务正取得日新月异的发展 ,以网络化、知识管理、全球化为主要特征的新经济已成为不可逆转的趋势。在分析了制约我国电子商务发展的各因素后 ,我们应从加强网络基础设施建设 ,完善电子商务的法律环境及物流配送系统等方面 ,为我国电子商务的发展创造良好的宏观环境 ;与此同时 ,通过转变企业观念 ,构建企业自身网络基础设施 ,促进企业积极参与电子商务     

谈谈波特竞争模型中的合作因素

波特竞争模型将市场竞争看成一种零和博弈,但是,近年来,合作越来越受到企业的认可,合作带来的收益远大于竞争所带来的收益。本文将合作因素引入波特竞争模型,解释了企业间的合作现象,同时对合作所引起的收益与风险进行了探讨,指出我国企业参与国际竞争必须走合作之路。     

论证券市场化解委托代理风险的作用机制

本文首先探讨了证券市场化解股份有限公司代理人道德风险问题的作用机制 ,并进一步详尽地分析了该机制发挥作用需要具备的条件 ,包括 :证券市场存在、证券市场具有完善的信息交流功能、证券市场有效性较高等。文章继而对照上述条件分析了我国证券市场的现状。最后提出了改进的对策     

从文明交往看巴以冲突

从文明交往角度看 ,巴以冲突的持久难息缘于以下因素 :地理上 ,巴勒斯坦是巴勒斯坦人和犹太人共同的根 ;宗教上 ,伊斯兰教与犹太教尖锐对立 ;巴以交往中迥异的民族利益。巴以冲突短时期内难以平息 ,但从长远来看 ,和平共存是巴以民族问题的最终解决之路     

Significant Factors of Aviation Insurance and Risk Management Strategy: An Empirical Study of Taiwanese Airline Carriers

Aviation insurance premiums have become a heavy burden for the airline industry since September 11, 2001. Although the industry must constantly balance its operations between profitability and safety, the reality is that airlines are in the business of making money. Therefore, their ability to reduce cost and manage risk is a key factor for success. Unlike past research, which used subjective judgment methods, this study applied quantitative historical data (1999–2000) and gray relation analysis to identify the primary factors influencing ratemaking for aviation insurance premiums. An empirical study of six airlines in Taiwan was conducted to determine these factors and to analyze the management strategies used to deal with them. Results showed that the loss experience and performance of individual airlines were the key elements associated with aviation insurance premiums paid by each airline. By identifying and understanding the primary factors influencing ratemaking for aviation insurance, airlines will better understand their relative operational strengths and weaknesses, and further help top management identify areas for further improvement. Knowledge of these factors combined with effective risk management strategies, may result in lower premiums and operating costs for airline companies.     

Implied Preference for Seismic Design Level and Earthquake Insurance

Seismic risk can be reduced by implementing newly developed seismic provisions in design codes. Furthermore, financial protection or enhanced utility and happiness for stakeholders could be gained through the purchase of earthquake insurance. If this is not so, there would be no market for such insurance. However, perceived benefit associated with insurance is not universally shared by stakeholders partly due to their diverse risk attitudes. This study investigates the implied seismic design preference with insurance options for decisionmakers of bounded rationality whose preferences could be adequately represented by the cumulative prospect theory (CPT). The investigation is focused on assessing the sensitivity of the implied seismic design preference with insurance options to model parameters of the CPT and to fair and unfair insurance arrangements. Numerical results suggest that human cognitive limitation and risk perception can affect the implied seismic design preference by the CPT significantly. The mandatory purchase of fair insurance will lead the implied seismic design preference to the optimum design level that is dictated by the minimum expected lifecycle cost rule. Unfair insurance decreases the expected gain as well as its associated variability, which is preferred by risk-averse decisionmakers. The obtained results of the implied preference for the combination of the seismic design level and insurance option suggest that property owners, financial institutions, and municipalities can take advantage of affordable insurance to establish successful seismic risk management strategies.     

Effects of Marriage and Children on Financial Risk Tolerance: A Synthesis of Family Development and Prospect Theory

Family development and prospect theory were used as a framework to predict variability in individuals' subjective financial risk tolerance within distinct family structures. Gender, age, and income were expected to interact with the main effects of family structure (marital status and children). Theory-generated hypotheses were examined in Study 1 (data from university housing respondents, n = 76) and Study 2 (the 1998 Survey of Consumer Finances, n = 4,305). One family structure main effect (child presence) was significant for investment risk tolerance in both studies. Family structure interactions (marital status × age and child × income) were significant for employment risk (Study 1), and child × age was significant for investment risk in Study 2.     

风险社会的来临与历史决定论的消解

风险社会的来临改变了人类的生存境遇和生活体验，也必将导致人们观念和行为方式的改变。对现代风险社会进行认真的反思，并将与“人为的不确定性”相联系的风险概念引入，可以消解历史决定论的思维定势，也可以为马克思历史唯物主义的真实意蕴及当代性的彰显提供全新的解释维度和现实根据。     

左思风力之成因初探

西晋诗人左思的诗风在西晋文坛上独树一帜，称之为“左思风力”，前人对此有较多地论述，然而就诗风形成的原因却缺乏深入地探究。本文试图从社会时代背景、家庭因素、性格特征三个方面对此加以分析，旨在能够更好地把握左思其人及其诗风。     

我国房地产证券化的特征及其作用

房地产证券化是我国房地产业与金融业发展的一种有机结合 ,它对优化配置与有效利用房地产和资金具有十分重要的意义。它是我国房地产业和金融业发展的客观要求 ,有利于社会资源的分配、稳定证券市场 ;它可刺激相关产业的发展 ,有利于改善投资环境、分散风险。房地产证券化具有扩大资本市场、增强不动产市场流动性、保持不动产市场稳定性和提高投资者效益性等主要特征。