Consumption and poverty in the homes of the English poor,c. 1670–1834

The consumer behaviour of the poor in the long eighteenth century has attracted more historical attention in recent years. Yet, we have little understanding of whether regional factors affected consumption or how the poor’s ownership of household goods was influenced by level of poverty and the life-cycle. By focusing on Kent and drawing comparisons to other counties, this article argues that the material lives of the poor were improving by the late eighteenth century, but finds that there were distinct regional differences as the poor acquired more and better goods in London and the Home Counties than in relatively remote areas. Moreover, by using pauper inventories and labourers’ probate inventories, the research finds that the poor were not a homogeneous group with similar levels of material wealth, but should be considered in terms of different subgroups which often led very different material lives to one another due to life-cycle-related problems including sickness and old age. Labourers’ probate inventories are found to represent a minority of the poor who were materially richer than most, whilst pauper inventories appear to represent a more typical subgroup of the poor that struggled to make do and owned most types of goods in smaller numbers.     

关于建立我国社会信用制度体系若干问题的探讨

市场经济是一种契约经济或信用经济,但由于我国社会主义市场经济正处于发育阶段,企业信用制度还没有真正建立起来,一些失信行为出现在国民经济各个领域,当务之急是要切实加快社会信用制度体系建设,这直接关系到能否降低交易费用,提高市场效率,直接关系到市场经济能否长期繁荣。从信用管理立法工作、加强对信用行业进行相应的管理和监督等四个方面提出建立、健全我国社会信用制度体系的建议。     

评鲍德里亚的"消费社会理论"

鲍德里亚系统提出了"消费社会"的理论。他企图对唯物史观进行"颠覆"是错误的。但是不能简单地认为他是资本主义制度的辩护士。鲍德里亚不懂得马克思从根本上颠覆了国民经济学和唯心主义历史观的两种"幻象",从而奠定了生产和劳动对于人类社会存在与发展的基础性地位;不懂得消费与生产的现实辩证关系,片面地离开生产探讨消费的新特征,甚至主张用消费取代生产。消费异化是劳动异化的表现。技术救赎不可能解决当代人类面临的重大社会问题。     

质押——个人住房消费贷款的一种制度创新

文章分析了推行个人住房消费质押贷款的优势和可行性,探讨了可以用来作为住房质押贷款的质物和住房消费质押贷款的运作机制,最后指出了个人住房消费质押贷款能顺利运作所必须的支撑体系.     

Consumption and Saving Behavior of Older and Younger Baby Boomers in Korea

The 1998 Korean Survey of Family Income and Expenditures was used to examine the overall consumption and saving behavior of Korean baby boomers and compared the differences in consumption and saving behavior between older and younger boomers. The t -test results indicated that the younger boomers allocated a significantly higher percentage of their expenditures on food away from home, household appliances, transportation and communication than did the older boomers, whereas the older boomers spent higher amounts and allocated larger budget shares on their children's education than did the younger boomers. The results of Ordinary Least-Squares (OLS) regression analysis showed that, holding other factors constant, older boomers not only spent significantly more in the total consumption expenditures and education expenditures, but older boomers also saved significantly less than did younger boomers.     

关于完善学分制管理的几点思考

学分制是一种先进的教学管理体制。在教学管理上推行学分制 ,有利于发挥学生个性 ,拓宽学生的知识面 ,提高学生综合素质。但在目前我国高校的学分制教学管理中还存在不少问题。本文就如何改革和完善学分制教学管理提出了几点具体措施。     

Consumption Patterns of Chinese Children

In the ten-year period from 1990 to 1999, children's consumption has increased dramatically in proportion to family income. In 85% of urban families, children's average consumption is equal to one third or more of the family's income. Resources are being directed to children's food and dietary supplements, toys, travel, computers and other electronic equipment, and educational resources. Children perceive that they have a significant influence on the family's financial decision-making. Problems related to children's consumption include indulgence in unnecessary or harmful purchases, and conspicuous consumption that cannot be sustained by the family's income. While some child-focused spending is viewed as enriching development, other expenditures may harm the family's economic well-being and foster an overly materialistic outlook among children.     

商业银行非财务信用风险分析

传统的信用风险评估方法仅仅从贷款企业角度来评价商业银行所面临的信用风险,而且评价企业信用风险时,也集中在贷款企业的财务风险评价上,忽略了银行本身存、贷款结构和风险状况对信用风险的影响,造成了评估主体缺位。作为对众多文献的补充,从贷款企业非财务风险因素、银行风险因素和宏观经济环境风险因素三个方面进行了信用风险因素分析,完善了商业银行信用风险评估指标体系。     

政府信用缺失的原因分析

政府信用是整个社会信用体系的基石和源泉,起着表率和示范作用。当前政府存在的信用缺失问题,不仅已直接影响了政府的形象和公共管理的效能,而且也成为企业信用、个人信用缺失的重要原因。按照近代西方的社会契约理论,政府信用缺失的主要原因是权力异化的倾向和政治体制自身的因素。     

对欠发达地区农村信用社运行效率的分析

农村信用社改革及其运行效率是当前中国金融界的一个重要课题,农村信用社运行效率的高低依赖于改革的主导力量及其模式的具体选择。中国农村信用社已经历了多次在政府主导下进行的反反复复的体制性变迁,产权制度及治理结构问题未能得到有效解决,其运行效率较低。结合在江西若干县(区)的调查,对欠发达地区农村信用社运行效率进行了分析,并提出了提升农村信用社运行效率的对策建议。