电子商务的安全框架

介绍了电子商务应用中的安全需求，给出了基于RBAC的电子商务应用传输安全和存取控制授权框架，保证了电子商务的安全需求。     

Inclusive financial literacy education for inspiring a critical financial consciousness: an experiment in partnership with marginalised youth

In the absence of critical inquiry, traditional financial literacy education risks socialising economically marginalised groups into an acceptance of the very power structures that created their marginalisation in the first place. The instructor-facilitator seeking to confront the challenge of promoting critical thinking about a subject widely accepted to be factual and esoteric faces considerable obstacles. Adoption of inclusive pedagogies in the design and delivery of financial literacy workshops offers a means of challenging positivist notions of ‘authentic knowledge’ in finance. This paper brings the socially constructed nature of finance to the forefront and offers reflections on our experience with a series of student-led workshops intended to advance financial literacy and a critical financial consciousness in economically marginalised youth, some of whom have been marginalised by the formal education system as well.     

Assessing the impact of financial education programs: A quantitative model

Prior studies disagree regarding the effectiveness of financial education programs, especially those offered in the workplace. To explain such measurement differences in evaluation and outcomes, we employ a stochastic life cycle model with endogenous financial knowledge accumulation and investigate how financial education programs optimally shape key economic outcomes. This approach permits us to measure how such programs shape wealth accumulation, financial knowledge, and participation in sophisticated assets (e.g. stocks) across heterogeneous consumers. We apply conventional program evaluation econometric techniques to simulated data, distinguishing selection and treatment effects. We show that the more effective programs provide follow-up in order to sustain the knowledge acquired by employees via the program; in such an instance, financial education delivered to employees around the age of 40 can raise savings at retirement by close to 10%. By contrast, one-time education programs do produce short-term but few long-term effects. We also measure how accounting for selection affects estimates of program effectiveness for those who participate. Comparisons of participants and non-participants can be misleading, even using a difference-in-difference strategy when the common-trend assumption is unlikely to hold. Random program assignment is needed to evaluate program effects on those who participate.     

An exchange rate determination model for central banks' interventions in financial markets

We establish an exchange rate determination model for central banks' in terventions in financial markets. The model shows that central banks can adjust exchange rate by several policy instruments and that different instruments may h ave different effects on exchange rate determination. It specifies potential pol icy instruments for central banks as well as their policy effects. Based on thes e effects, feasible matches of policy instruments in contingent intervention are put forth.     

An exchange rate determination model for central banks’ interventions in financial markets

We establish an exchange rate determination model for central banks’ interventions in financial markets. The model shows that central banks can adjust exchange rate by several policy instruments and that different instruments may have different effects on exchange rate determination. It specifies potential policy instruments for central banks as well as their policy effects. Based on these effects, feasible matches of policy instruments in contingent intervention are put forth. Project supported by the National Natural Science Foundation of China (No. 79870074)     

发展电子商务对企业财务管理的影响分析

进入21世纪，全球网络技术和电子商务的快速发展使我国企业传统财务管理既面临严峻挑战，又带来了新的机遇，必须充发发挥政府部门的宏观调控作用，加强专业技术人才的培养，引导企业参与电子商务开发，并从中国实际出发，解决支付货币的电子化问题。     

The role of teacher professional development in financial literacy education: A systematic literature review

This paper examines the elements essential to effective teacher professional development (TPD) in financial literacy education by means of a systematic literature review. We provide a theoretical underpinning for the literature review by proposing a revised presentation of an existing general TPD model. Our results provide insight into the student learning goals in financial literacy education, the desirable teaching behaviour, the required teacher quality and the contextual factors that play a role. However, our findings also suggest a lack of studies that systematically investigate whether and how TPD initiatives enhance the effect of financial education on students' financial literacy. Furthermore, existing literature fails to provide insight in how the six key features of TPD should be implemented to optimize its effectiveness.     

The effect of financial education on pupils’ financial knowledge and skills: Evidence from a Solomon four-group design

Abstract

The present study used a Solomon four-group quasi-experimental design to examine the short-term effect of a large-scale national financial education program on children’s knowledge and skills in responsible spending and performing transactions effectively. Our study included a representative sample of Dutch pupils in the fifth grade of primary school (N?=?2,650). Controlling for different children-specific characteristics, results showed that the program increased pupils’ knowledge and skills scores in performing transactions effectively, but not in responsible spending. The insights gained from the present study show how financial education programs that enable children to immediately apply what they learn in practice can improve children’s knowledge and skills regarding certain financial competencies.     

供应链管理的电子商务技术支持

本文论述了供应链管理的内涵和意义以及供应链管理的核心内容，进而对电子商务的一系列手段为供应锭管理提供了有力的技术支持进行了探讨。     

高应力比下路用水泥混凝土疲劳可靠度量化分析(英文)

为获得路用水泥混凝土在高应力比作用下其疲劳可靠度的变化规律,首先推导了包括混凝土疲劳寿命在内的单调随机变量的概率密度,然后推导了 Miner 与 Chaboche-Zhao 疲劳损伤模型的概率密度. 借助室内疲劳试验结果,获得这 2 种模型的疲劳损伤概率密度函数. 最后,将荷载作用次数代入上述函数,从而获得水泥混凝土疲劳可靠度随荷载作用次数的变化规律. 结果表明: 随着荷载作用次数的增加,相同应力比下,疲劳可靠度从 100%逐渐衰减为 0%; 无论何种应力比,在荷载作用初期,疲劳可靠度均有一个较为稳定的阶段; 随着应力比的增加,该稳定阶段逐渐缩短,且可靠度为 0%时对应的荷载作用次数也减小; 在可靠度衰减阶段,对于相同荷载作用次数,应力比越高,则混凝土可靠度越低; 此外,Miner 疲劳损伤模型比Chaboche-Zhao 疲劳损伤模型偏安全.     

Web Service下的商品推荐系统的研究与实现

基于电子商务平台的Web service已经是广大消费者购买或者浏览商品的主要形式之一．但是,网络上的海量信息也给我们带来了很多不便．对于用户来说,如何及时地发现所需要的商品已经变得越来越困难．本文综合运用了关联挖掘、智能推荐算法等机器学习方法提出了一个Web Service下的产品智能推荐Agent模型：Smart Recommendation,该系统通过对用户的历史交易记录的分析,挖掘出客户的购买模式和购买兴趣,并根据发现的模式对用户进行商品的智能推荐．实验结果表明,推荐模型具有较高的准确性,并且对用户的购买行为有一定的指导作用．     

论高校内部财务控制六个保障系统的强化

本文针对我国高校内部财务控制系统比较薄弱、内部控制效果不够理想的现状,提出搞好高校内部财务控制应注意强化思想保障、环境保障、组织保障、信息技术保障、机制保障和法律制度保障。     

Grounding participatory action research in rural Colombia: a demonstration study on youth financial inclusion

ABSTRACT

Since the new millennium, the issue of financial inclusion of young people has increasingly gained recognition, especially in relation to those living in deprived circumstances. Financial inclusion can be promoted through education that specifically aims for the strengthening of young persons’ financial capabilities. In 2013, a participatory action research project was started in a rural region of Colombia to improve the research capacity of a local university through the development and implementation of a demonstration project on the financial inclusion of young people. University teachers, students and employees of a financial cooperative were trained in conducting qualitative methods with a specific aim of being responsive to the life stories of their interviewees. This paper shares the experiences from an international team of educational scholars who aim for the democratisation of research capacity and the dissemination of localised knowledge. This is done by working closely together with stakeholders and ultimately giving a voice to youth employed in the informal economy as they are usually the ones being most deprived from access to financial services.     

Information,college decisions and financial aid: Evidence from a cluster-randomized controlled trial in China

Past studies find that disadvantaged students in the United States are often misinformed about college costs and financial aid opportunities and thus may make sub-optimal decisions regarding college. This information problem may be even more serious in developing countries. We therefore conducted a cluster-randomized controlled trial to examine the effects of providing information on college costs and financial aid to high school students in poor regions of northwest China. We find that information increases the likelihood that students receive some types of financial aid. Information also positively affects the choice to attend college but does not seem to affect more specific college choices.     

基于F-AHP的物流企业财务风险评价和防控策略研究

通过对现代物流企业财务风险因素进行识别,分析影响现代物流企业财务风险的四大关键因素（投资风险、筹资风险、现金流量风险和内部控制风险）;提炼出关键评价指标体系,构建基于FAHP的物流企业财务风险综合评价模型。结合现代物流企业的经营和财务风险特征,从投资风险、筹资风险、现金流量风险和内部控制风险四个维度提出现代物流企业财务风险防控策略。     

Grief enriched us: a model of perinatal loss support

This article provides an example of the clinical application of one of the Lamaze International's Institute for Normal Birth evidence-based care practices. The practice of keeping mother and baby together, even in unusual circumstances, enhances family relationships and provides for positive lifetime memories.     

机械传动系统中优化齿轮减速传动比的分析

为了减少机械伺服系统中机械传动的能耗,提出并分析了通过优化传动系统中齿轮减速传动比来减少能耗的方法,并与传统的惯量匹配法进行比较。结果表明,应用优化齿轮减速比方法可以比惯量匹配法大大减少了能耗。     

一类指数分布族的参数估计问题

考虑了一类单参数指数族分布的估计问题,在熵损失下讨论了此类分布中未知参数的Bayes估计，给出了未知参数的一个无偏估计并验证了此估计量所具有的一些优良性质,最后在对称熵损失下得出了所讨论参数的Bayes估计。     

基于汽油催化裂化过程实时数据的辛烷值损失预测模型

为准确预测汽油生产过程中辛烷值的损失,首先对某石化企业提供的实时数据进行处理,再根据处理后的数据建立灰色关联模型,筛选影响辛烷值损失的主要操作变量.以所选择的主要变量作为模型的自变量,辛烷值损失值为模型的因变量,基于BP神经网络建立辛烷损失值的预测模型,仿真结果表明,85％以上的预测值绝对误差小于0.2个单位.     

企业电子商务网站的开发

以．NET技术为基础,将网站分为前台用户模块和后台管理模块两部分,以局域网作为基本物理结构,采用基于XML的三层B／S体系结构和数据库技术,设计并完成了一个企业电子商务网站的开发．