我国金融支持农业发展的思考

金融促进农业发展，中国社会主义新农村建设离不开金融。由于城乡二元经济结构形成的城乡发展差距、农村信贷制度、统一标准的金融监管、支农资金风险高等原因，国家金融支持农业发展的力度不够，资金供给方向边缘化，农村金融主体自身服务与创新能力不足，民间信贷活跃但弊端多，农村金融服务和管理人才缺乏。提出要加强金融服务创新，优化农村金融服务，通过加强财政政策调控进一步促进农村发展；要根据农业贷款的特点，建立农业风险补偿机制，以降低和减少支农资金的风险和损失和促进信贷；同时完善《担保法》法规，加强农村金融管理和服务人才队伍建设，使金融更好地支持农业发展。     

从助学贷款看对大学生的信用教育

高校存在着大学生助学贷款难这一现象 ,主要原因是大学生信用的缺失 ,因此必须对大学生加强信用教育。     

Awareness of low self-control: Theory and evidence from a homeless shelter

Survey measures of self-control provide a potential low-cost alternative to incentivized elicitation. However, asking respondents to introspect on their self-control problems may instead measure their awareness of them, especially in populations with low self-control. We illustrate this with the Ameriks, Caplin, Leahy, and Tyler (2007) survey, which captures self-control problems through the deviation between self-reported ideal and predicted behavior (Expected Deviation, ED). Previous empirical evidence from high income or highly educated populations correlates larger ED with worse outcomes. We theoretically show that the reverse will be true in settings where awareness can play a large role: when self-control is low and costly commitment devices are available. We empirically show that, for residents of a homeless shelter, ED is positively correlated to savings in shelter lockboxes, a costly commitment device. This correlation is stronger for those likely to experience more self-control problems: individuals with past addiction problems.     

Consumer trust repair: A critical literature review

Consumers are fundamental to organisational functioning and survival. Their loyalty, commitment, product acceptance and good long-term relationships with firms and brands are underpinned by their trust. Unfortunately, over the last decade or so, we have witnessed some of the more spectacular violations of consumer trust in the history of business. This has led to negative consequences, such as loss of competitive advantage, rage, lack of commitment and decrease in turnover. Consequently, study of trust repair has become an important theoretical concern for a growing number of trust scholars. This article reviews and synthesises existing theory and research on the topic. It first sketches general characteristics of the consumer trust repair literature, including its meta-theoretical underpinning. It then identifies specific strategies associated with consumer trust repair and synthesises them into five categories of trust repair strategies. In addition, this paper highlights theoretical processes that explain why/how trust repair strategies work. Third, the paper proposes six fruitful avenues for future research. This study contributes to the field of consumer trust repair research by critically reviewing and synthesising emerging theory and research on strategies associated with consumer trust repair, by showing why and how these strategies work and by identifying most fruitful research areas.     

儿童玩具礼品包装设计的研究与思考

现如今礼品类高端产品由于自身的品牌效应，得到了市场上极高的受欢迎指数，因其包装精美和视觉鲜明的因素，越是在国际市场环境低迷的时候，越容易抢占市场。在中国的儿童玩具礼品领域，不单单需要效仿国际流行的设计趋势，而且还要积极提升国内自主品牌影响力，这才是中国当今发展儿童玩具礼品包装产业，缩小与国际水平之间的差距，夺回本土市场继而进军国际市场的必由之路。具体分别从消费群体和包装设计本身两方面进行调查和分析研究。     

Consumers’ credit card repayment decisions: The role of higher anchors and future repayment concern

We investigated two aspects of credit card repayment decisions: the extent to which the anchoring effect of minimum repayment information may be mitigated by information on alternative anchors, specifically repayments that would repay the balance in two years (Study 1) or nine months (Study 2); and the role of future repayment concern. In two experiments, three realistic credit card statements were presented with different outstanding balances. Participants, who were randomly allocated to one of four information conditions depending on supplementary information provided on the statements, stated how much they would repay that month. They were then asked about concerns they would have about repayment difficulties if they had a fixed consumer loan over three years. In Study 1 the alternative two-year repayment anchor had a negative effect on percent repayment, whereas in Study 2 the nine-month repayment anchor had a significant positive effect, especially for those with higher future repayment concern. Also, in both studies, future repayment concern had a direct inverse effect on repayment decisions which partially mediated the effect of disposable income. It is concluded that the addition to credit card statements of a table of cost and duration information for a range of repayment amounts may usefully support repayment decisions.     

借鉴美国成功经验发展我国住房抵押贷款保险市场

针对目前我国个人住房抵押贷款市场的现状,提出发展住房抵押贷款保险来规避风险。美国发达的住房抵押贷款市场很大程度上得益于抵押贷款保险市场的发展,其运行模式值得我们借鉴。通过分析国内现行的抵押贷款保险体系中存在的问题,提出了发展住房按揭保险的一些建议、想法,以促进个人住房抵押贷款的良性发展,推动住房商品化的顺利进行。     

涉农贷款与农民收入关系实证研究——以易县农村信用社为例

农村金融机构是促进农民增收的重要力量,但我国现阶段金融体系服务农民增收的力量相对薄弱,农村信用社是支农的主力军,而其自身能力有限,很难独立支撑起服务“三农”的重任.本文主要以农业信贷政策理论、农民收入增长理论为依据,灵活运用多种计量方法对易县农村信用社涉农贷款与农民收入关系进行研究,得出相应结论,为促进易县农民收入增长提出建议.     

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。     

构建商业银行信贷风险分类预警模型

针对我国各类银行全面实行贷款风险五级分类管理,文章提出了一种信贷风险分类预警的方法。该方法首先应用聚类方法对指标进行筛选,然后以熵权法构建贷款风险综合指数,最后采用模糊神经网络实现对信贷风险的分类预警。该方法在综合考虑财务与非财务因素对信贷风险产生影响的同时,还可以通过对风险指标的敏感性分析来把握主要风险来源,为风险的防范工作提供重要的依据。