我国消费信贷立法应借鉴澳大利亚《消费信贷法案》

随着我国金融市场管制的不断削弱,必将会显现出对加强消费信贷立法的需要。我国消费信用立法还很薄弱,澳大利亚《消费信贷法案》中特别体现保障消费者利益的立法精神,有利于信用经营者生存和发展的特别安排、消费信贷合同的担保与保证。信贷提供者、消费供应者及消费者之间关系的有关内容,可为我国消费信贷立法吸收和借鉴;我国应针对消费信贷中存在的主要问题,有步骤地适时合理地吸收和借鉴澳大利亚《消费信贷法案》。     

Shareholder wealth effects of legislative events: The case of airline deregulation

This paper presents empirical evidence about the impact on shareholder wealth of legislative events leading to the enactment of the Airline Deregulation Act of 1978. In contrast to prior regulatory event studies, this paper examines not only the final legislative enactment but also the Congressional hearings that preceded it. No significant effect on shareholder wealth is indicated when averaged across all airline firms and all legislative events. Impact of deregulation, however, was expected to be different for trunk airlines than for local airlines. Moreover, market expectations likely changed with the change in the political climate during the course of deregulation deliberations, from an industry financial health emphasis under a Republican (Ford) administration to a consumer welfare emphasis under a Democratic (Carter) administration. We find that trunk airlines experienced significant positive abnormal returns during the Ford administration, but negative abnormal returns during the Carter administration. In contrast, local airlines exhibited significant negative abnormal returns during both the Ford and Carter eras. Systematic risk of both trunk and local airlines also increased with the change in the political climate.     

The dragon breathes fire: Chinese organized crime in New York City

Although it is widely acknowledged that Chinese businesses are victims of extortion by Asian youth gangs, there is no reliable information to examine the patterns and social processes of the problem. This paper explores the structure of extortion and other forms of victimization based on surveys of (N=603) Chinese-owned businesses in three Chinatown neighborhoods in New York City. It focuses on the nature of Chinese crime groups, social contexts of gang extortion, social processes of victimization, and merchants' compliance or resistance to gang demands. Finally, the paper discusses the problems and prospects of Chinese criminality in America.Support for this research was provided by Grant 89-IJ-CX-0021 from the National Institute of Justice. The opinions are those of the authors and do not reflect the policies or views of the U.S. Department of Justice.     

Use of thermal drone in detection and assessment of larval mass temperature in decomposed rabbit carcasses

Manual ground searches and cadaver dogs are traditional methods for locating remains, but they can be time- and resource-intensive, resulting in the decomposition of bodies and delay in victim identification. Therefore, thermal imaging has been proposed as a potentially useful tool for detecting remains based on their temperature. This study investigated the potential of a novel search technique of thermal drones to detect surface remains through the detection of maggot mass temperatures. Two trials were carried out at Selangor, Malaysia, each utilizing 12 healthy male Oryctolagus cuniculus European white rabbits and DJI Matrice 300 RTK drone China, equipped with a thermal camera; Zenmuse H20T to record the thermal imaging footage of the carcasses at various heights (15, 30, 60–100 m) for 14 days for each trial. Our results demonstrated that the larval masses and corresponding heat emissions were at their largest during the active decay stage; therefore, all the carcasses were observable in thermal images on day 5 and remained until day 7. Statistical analyses showed that (1) no statistically significant differences in thermal images between clothed and unclothed subjects (p > 0.05); (2) 15 m above ground level was proven to be the optimal height, as it showed the greatest contrast between the carcass heat signature and the background (p < 0.005). Our data suggested the potential window of detection of thermal signatures was detectable up to 7 days post-deposition. This could be an important guideline for the search and recovery teams for operational implementation in this tropical region.     

Rapid and nondestructive analysis of lipstick on different substrates using ATR-FTIR spectroscopy and chemometrics

Lipstick can be an important piece of evidence in crimes like murders, rapes, and suicides. Due to its prevalence, it can be an important corroborative evidence in crime reconstruction. The analysis of such evidence can provide an evidentiary link between the suspect, the victim, object, or the crime scene. We report the use of nondestructive ATR-FTIR spectroscopy combined with chemometrics for the classification of 10 brands of lipsticks with nine samples each. Chemometric method of partial least square-discriminant analysis (PLS-DA) has been employed to interpret the data and classify the samples into their respective classes. The PLS-DA model provides an AUC figure above 0.99 in all brands except one; for which it is slightly less at 0.94. We have also tested the traces of these lipstick samples on different substrates treating them as unknowns in the already trained PLS-DA model. 100% of the samples on nine substrates viz. a cotton, nylon, plastic, dry tissue, denim (blue jeans), wet tissue, nitrile gloves, white paper, and polyester were correctly attributed to their source brand. In conclusion, the results suggest that ATR-FTIR combined with the chemometrics is a rapid, nondestructive, and accurate method for the discrimination and source attribution of lipstick. This study has potential for use in actual forensic casework conditions.     

Ideas matter: China’s peaceful rise

Illuminating on the power transition theory, realists are more than convinced of potential structural conflicts in both economic and security realms due to China’s rise. They see China as a dormant source of challenges to American preeminence, economic policies of the west as evident in the recent negotiation discourses (e.g., G-20 and G-8 meetings), the “western” norms of diplomacy (e.g., Washington consensus) in developing countries including in Africa, and security concerns of its neighboring states. However, China will be able to avoid this claimed inevitability by abiding to peaceful ideas deeply embedded in “New Security Concept,” “peaceful rise theory,” “peaceful development” and a “harmonious world” doctrine. This paper argues that China will be able to rise peacefully because of the efficacy of practicing liberalism and constructivism at large in its diplomacy. China is increasingly and genuinely embracing shared norms and institutions, gradually gravitating East Asian regional order to its favor in the form of power constellation.