我国商业银行发展个人理财业务的问题和对策

加入WTO后,市场竞争日益激烈,加之市场分割、限制市场准入等保护措施的逐步消失,个人理财的金融服务市场需求正发生着巨大的变化,全方位的理财和多层次的服务是商业银行顺应形势的发展。如何为消费者提供一系列可靠的金融产品,个人理财产品能否满足客户个性化的需求,是目前大多数商业银行所要面对的问题。商业银行想要立于不败之地,就有必要在基于对个人财产投资业务的分析构建未来的竞争优势上,尽快形成"品牌"效应,以增强银行自身的竞争力。本文就上述提出的现象和问题进行全面分析,并提出相应的对策和具体措施。     

研究生自我管理过程中个人平衡计分卡的运用

个人平衡计分卡是一种以个人为核心的战略管理工具。研究生要想进行有效的自我管理,关键是制定个人战略规划,这就使得研究生运用个人平衡计分卡这一战略工具进行自我管理具有可行性。而且个人平衡计分卡在研究生自我管理过程中发挥着重要作用,不仅有助于提高研究生自我管理的效率,而且能帮助研究生实现个人发展目标。     

清代总集误作别集考辨

清代文献浩繁,研究薄弱,存在的问题还有很多。如清人所编各体总集,便每每有被误认作别集者。本文列举15种此类总集,逐一予以考辨。     

论武术与人的全面发展

本文运用文献资料法、逻辑分析法,从文化学、哲学的角度阐述了人的全面发展的涵义。探讨了武术的终极目标与人的全面发展相适应,并从武术的价值和功能方面论述了武术在人的全面发展过程中的作用。     

云计算和个人数字图书馆

云计算是一种新的互联网计算模型,将在资源、用户、设施等方面对个人数字图书馆产生积极影响,同时也带来一些需要解决的问题。     

对我国职业排球俱乐部运动员若干问题的调查

运动员是运动成绩的直接载体，运动成绩是通过运动员在比赛中的表现而体现的。运动员的状况对运动项目的发展和提高具有至关重要的作用。本通过运用献资料、问卷调查、专家调查、数理统计等方法对我国职业排球俱乐部运动员的状况以及人员流动等情况进行了调查分析。发现有运动员年龄结构不合理、收入低、受教育程度低、人员流动不畅等问题。     

浅谈中学阅读教学中创新精神的培养

作为基础教育学科的语文教育 ,必须全面实施素质教育 ,挖掘学生的创造潜能、培养学生的创新精神。阅读教学是整个语文教育中的一个重要组成部分 ,是体现语文素质教育质量如何的一个主要方面 ,因而阅读教学的重心应是培养学生的创新精神。结合本学科特点及现代教育的基本要求 ,阅读教学可从以下三个方面入手培养学生的创新精神 :发展健康和谐的个性 ;磨炼坚强的意志 ;训练质疑能力     

The influence of personal networks and social support on study attainment of students in university education

In this paper, the influence of personal networks and social support on study attainment of students in university education is examined. Furthermore, the paper aimed at clarifying the possible mediating role of achievement motivation, time spent on studying and working, procrastination and self-esteem. The study is a follow-up of the ’89 cohort study, but is restricted to those students who have transferred to university education after finishing secondary education. The students have been approached with a questionnaire in 2004. Multinomial logistic regression shows that social support has no effect on study attainment, but that personal networks do have an effect on attainment. The relationship between social support and personal networks on the one hand and study progress on the other hand is not mediated by the before mentioned variables.

个税自行纳税申报制度的实施条件及对策分析

实施个人所得税自行纳税申报应该具备一系列制度和环境条件,其中包括发达的税务代理业、浓厚的纳税意识、高效便捷的征管手段、个税制度设计的公平性和公共品的公平享受、健全的法律制度等。但是,这些条件在我国还不够完备。因此,应当尽快采取有效措施予以完善,才能保证个人所得税自行纳税申报制度的顺利实施。     

Psychopathology of the physically abusing parent: A comparison with the borderline syndrome

This article compares the psychopathology of the physically abusing parent and that of the borderline patient in four specific areas: common personality characteristics; personal history; psychopathology; and psychodynamics of the abusive act. The first major personality characteristic is the umbrella characteristic of arrested emotional development, the other four characteristics are: poor self image, emotionally isolated, depressive loneliness and poorly suppressed aggression. These correlate with the four major characteristics of the core borderline personality. The personal history for both abusing parents and borderline patients indicate maternal deprivation in preverbal development. The abusing parent's psychopathology is very similar to that of the borderline patient. They both have poor ego strength, a punitive superego and use primitive ego-defenses of denial, splitting and projection. The act of abuse is related to these ego defects but in particular projective identification plays a major role. Further research is indicated and tentative implications are made as regards psychodynamically oriented treatment.