竞争情报在邮储银行中的导入策略

本文阐述了在改制初期的邮储银行开展竞争情报工作的必要性和急迫性,在此基础上,重点叙述了竞争情报在邮储银行的一些具体导入方法和策略。     

我国高等教育扩展模式的实证研究

探讨高等教育的扩展模式,对于认识政府和居民在高等教育扩展中所承担的财政责任,以及理解我国高等教育发展过程中存在的相关问题有重要意义。研究发现,地方普通高等学校是本轮高等教育扩展的主体。本轮高等教育扩展属于以收费为主的扩展模式,学杂费在扩展中扮演了重要角色。在扩展过程中,政府对学杂费标准的制定,没有充分考虑居民收入水平。居民储蓄对于高等教育扩展发挥了重要的支撑作用,同时高等教育扩展在一定程度上也刺激了居民储蓄的增加。为了保障高等教育质量,政府应加大对地方高等教育的投入力度。另外,政府在学费标准的制定过程中也应考虑居民收入水平和支付能力。     

异地务工农民工储蓄行为及政策导向干预实证分析

通过实地调查,揭示异地务工农民工选择服务银行的偏好、收入支配的偏好,以及政府政策导向对其行为偏好影响的证据。     

试析邮储转存款高利率政策的弊端

章从邮政储蓄发展现状出发，分析了邮政储蓄转存款高利率政策的弊端，认为这项政策与我国目前的金融市场化进程不相适应，更违背了WTO原则，应该规范其政策选择。     

大学生如何学会理财

大学生要有理财的意识,在消费、计划、储蓄方面养育成良好的习惯,了解多种理财渠道,作一些投资尝试。学会挣钱、注重学业、谨慎交友也是今后合理理财的准备。     

论高中生在通俗音乐审美中的情感宣泄

通俗音乐作为音乐的一种形式,关注人的情绪与情感、成长与生活,成为了很多人宣泄情感、张扬生命的方式。它具有主题内容通俗、简单性、娱乐性、流行性以及多元文化性等特征,这些特征促使通俗音乐成为各种心灵压抑不同的人的情感宣泄地带。高中学生精神上的压力是极大的,通俗音乐的曲调和歌词能张扬他们的内心世界,宣泄他们的情感,减轻他们的沉重压力,使他们有轻松的精神去迎接学习和生活上的挑战。     

谈我国利率市场化改革

随着我国加入WTO，我国经济将融入全球经济一体化，我国金融也将步入全球金融市场的快车道，全球化的市场竞争，要求我国必须加快金融体制改革的步伐，建立市场化的利率机制。本试图从确保金融安全的角度，对我国加入WTO后利率市场化改革的基本框架作一些探讨。     

Do Financial Education Interventions for Women from Poor Households Impact Their Financial Behaviors? Experimental Evidence from India

Policymakers have invested significant resources in financial education to improve financial literacy of the poor, reduce bad financial decision-making, and increase take-up of financial services and products. Yet, there is limited evidence on the effectiveness of such interventions, especially in developing countries. This paper provides evidence from a clustered randomized controlled trial (RCT) where a relatively light financial education program (one day of training) was offered to a large sample of women (n = 1,281) from poor households in informal community settings. The educational intervention was a significant departure from the more costly traditional classroom-style adult education interventions. It was based on simple “rules of thumb” and used a goal-oriented and action-focused approach, targeted at changing behaviors. We find evidence of modest, positive treatment effects for some outcomes including an increase in personal savings, achieved at a relatively low cost of training per participant.     

Retirement Savings Behavior of Higher Education Employees

Higher education employees often participate in university-sponsored defined contribution pension plans that place the investment decision responsibility upon them. In order to examine investment decision-making behavior with retirement savings plans we investigated attitude-mediated, individual difference determinants of risky decision-making behavior in employer-sponsored defined contribution retirement plans. Using a field survey of 795 higher education employees, who participated in one of four defined contribution savings plans, we tested a risk taking model using data on the employees’ investment allocations in their defined contribution savings plan. We found that an attitudinal preference toward risk and a perception of opportunity served as mediators for the relationships among employees’ dispositional characteristics and their retirement savings behavior. We also found that investment knowledge directly affected risk taking behavior. Implications of the results for higher education institutions are discussed. Funding for this study was provided by TIAA-CREF and is gratefully acknowledged by the authors.     

利息税存在的必要性及配套措施改革

针对利息税存废之争，阐述了现阶段利息税存在的必要性。建议应从完善存款实名制、健全社会保障制度、拓宽中小投资者的投资渠道等方面调整利息税的配套政策，以保证利息税的有效征收。