建立我国存款保险制度的法理思考

随着我国金融体制改革进程的不断深入,金融市场化、国际化进程的加快,加之金融业竞争的加剧和世界性金融危机的不断出现,探索建立适合我国国情的存款保险制度、形成适应市场经济要求的金融稳定机制就成为当前一项重要的任务。本文就建立存款保险制度的法理依据和现实依据以及我国存款保险立法应遵循的基本原则进行了论述。     

加入WTO对我国金融业的影响及应采取的对策

外资金融机构进入中国市场，有利于加速发展我国金融服务业，提高其整体素质和水平，以尽快适应市场经济的客观要求。但外资金融机构的进入，也使金融风险增加，金融市场的竞争更加激烈，高级金融人才流失现象更加突出。为此，我国金融业必须加快金融体制改革，增强中资银行的竞争力；加速完善我国金融立法体系和金融监管体系，防范金融风险；利用“保障条款”和“例外条款”，保障民族金融业；加快金融机构人事制度改革，强化人才资源管理。     

汽车消费贷款犯罪若干问题

随着我国私人汽车的普及和商业银行汽车消费贷款业务的开展,一种新的贷款犯罪——汽车消费贷款犯罪也相应出现并有大幅增长的趋势。汽车消费贷款犯罪的表现形式主要是骗取贷款和恶意欠款。可以从建立信用体系、完善法律法规、加强银行内部风险控制、加大打击力度等方面入手进行防治。     

商业银行资产负债期限结构错配的流动性风险和利率风险分析

本文结合目前我国商业银行普遍存在的资产负债期限结构错配的现状,分析了产生流动性风险和利率风险的可能性,并认为利率风险是因流动性风险而派生出的风险。在此基础上,提出了商业银行流动性管理的三种方法:期限匹配法、资产组合法和综合法。     

我国当前潜在的金融风险及对策分析

深化金融改革,维护金融安全是我国金融发展的两大主题,也是完善社会主义市场经济体制的重要内容。当前我国金融业发展中潜在的和已经露头的金融风险对国民经济的健康、稳定运行带来了极大的威胁。因此,对金融风险的成因及对策的分析就显得极为必要。     

6FAM-HEX-TMR-ROX四色荧光分析体系的构建

目的为在310基因分析仪上进行6FAM-HEX-TMR-ROX四色荧光STR复合扩增分型建立基础条件。方法以pGEM载体作为靶DNA,设计引物扩增获得500~80bp的13个长度不等DNA片段,以这些片段纯化物作为模板DNA,分别扩增获得6FAM、HEX、TMR和ROX标记的M atrix标准物,用4种M atrix标准物在310基因分析仪上构建可用于6FAM-HEX-TMR-ROX四色荧光分析的M atrix文件。结果扩增所得的13个非标记片段,长度分别为80、100、120、140、160、180、200、220、260、300、340、400、500bp,在非变性聚丙烯酰胺凝胶连续电泳-银染凝胶上均表现为单条带,6FAM、HEX、TMR、ROX分别标记的片段通过310基因分析仪检测均为单峰。混合ROX标记的80、120、180、220、260、300bp的6个片段获得的内标,显示出良好的线性关系。结论建立了有效的6FAM-HEX-TMR-ROX四色荧光分析M atrix,为进行多个STR基因座荧光标记复合扩增检测奠定了基础。     

Peddling a semiotics of fear: a critical examination of scare tactics and commercial strategies in public health promotion

In this study, we critically examine the ways in which a nationwide health promotion campaign – the 2013 Diabetes UK/Tesco diabetes campaign, the largest of its kind in the UK – seeks to raise the general public's awareness of Type 2 diabetes. We subject a series of six campaign images (including their layout and accompanying text) to a multimodal discourse analysis, identifying the presence of a range of fear-inducing, stigmatising and commercial strategies, through which the campaign emphasises the dangers of diabetes and advocates personal responsibility for assessing both individual and others' risk of the disease. Specifically, we describe, in multi-semiotic detail, three discursive techniques deployed in the campaign to achieve these ends: (1) the depiction of grief and amplification of diabetes-related danger, (2) the promotion of diabetes risk and localisation of individuals' responsibility for their health and (3) the commercial branding and framing of the Diabetes UK/Tesco partnership – including the promotion of goods and services – as a means of diabetes prevention and management. Our findings raise concerns about the moral legitimacy of using fear-inducing and commercial strategies in order to (effectively) raise public awareness of and responses to Type 2 diabetes, strategies which do little to address the environmental factors which are associated with increasing rates of the disease.     

People with special needs and sexual behaviour problems: balancing community and client interests while ensuring effective risk management

Abstract

Deinstitutionalisation movements of the mid-1900s led to changes in policy and practice in the management of people with special needs (defined for this article as people with severe and persistent mental illness, intellectual disabilities and high levels of personality factors that interfere with treatment participation). Although the majority of clients with special needs receive care in community settings and interact more with family, friends and others in the community, some such clients require more rigorous case management. For clients who have offended, especially sexually, community-based services are scarce, and concerns regarding reoffence potential often supersede traditional understandings of diminished capacity. Recent reports suggest that jails and prisons have replaced hospitals as the institutions-of-choice for clients with special needs who engage in inappropriate conduct. This paper examines policies and practices regarding community risk management of people with special needs who have sexually offended. Vignettes are provided to illustrate how some clients and agencies have been affected, and suggestions are made to ensure best practices in risk management and public safety.     

Blood and bone: body mass,gender and health inequality in nineteenth-century British families

In mid-nineteenth-century Britain, a new institution emerged: the modern prison. Some prisons invested in scales. Upon entry, prisoners were measured and personal details documented. These meticulously compiled records afford a new vantage point from which we can peer into the dynamics of the household. Body measurements – height, weight, and body mass (weight adjusted for height) – connect to both patterns of consumption and health risk. Prison data thus speak to both gender and health inequality in the past. The paper juxtaposes a service economy (Wandsworth near London) with a modern manufacturing sector (Paisley near Glasgow) in order to contrast how economic form and opportunities in the market sector shaped relations and outcomes in the household sector. We find that families bargained over the allocation of resources; that bargaining position was influenced by economic value, mediated by maternal sacrifice; that this was an earner bias rather than gender bias; and that new industrial work for women and children supported a more egalitarian distribution that improved everyone's health status via superior heights and heavier weights. We examine Irish immigrants to assess cultural differences in family behaviour. Finally, the paper offers, for the first time, a detailed interpolation of Waaler's health risk for women.