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。     

论证人保护制度

司法实践中，证人出庭率低，拒证问题普遍存在，其根本原因是我国现行立法对证人及其亲属的人身安全和经济利益保护乏力，证人权利与义务严重失衡。制订完善的证人保护制度是保证证人出庭的前提，是完善我国诉讼制度的内容之一，也是实现公正高效审判目的的需要。在借鉴别国成熟经验的基础上，应该根据我国的国情尽快制订专门的证人保护法或将证人保护制度以专门章节列出，对证人的权利义务、保护范围、保护措施、保护措施的启动条件及运作程序、保护机关等问题都应明确。     

制约俄罗斯能源战略与外交实施的因素探析

“能源超级大国”俄罗斯于2003年5月出台了《俄罗斯2020年前能源战略》,使油气能源成为实现国家外交战略目标的重要手段。俄罗斯政府在推行能源外交过程中,受到以下四个方面因素的影响与制约:第一,油气工业本身存在一些结构性问题;第二,在管理体制方面存在诸多问题;第三,国际市场能源价格变动对能源出口战略造成直接影响;第四,地缘政治也是掣肘能源外交的重要因素。因此,如果俄罗斯政府在能源战略上出现重大判断和运作失误,也可能给外交带来负面影响。     

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.     

Self-expression and collaborative ‘pro-sumption’ in the digital brandscape

ABSTRACT

The evolution of the global economy has seen the emergence of a digital market space. The collaborative and expressive nature of interactive media and technology allows users to participate in the production and publication of branded content within digital communities of affinity. This presents increased possibilities for self-expression, as well as unlimited opportunities for participation in determining and influencing brand narratives. The digital brandscape has therefore become a collaborative space where surplus brand value is produced, but also where struggles in terms of power and counter power between brands and brand consumers evolve. Against this background, this conceptual article explores the brand challenges the notion of consumer brand self-expression poses in a collaborative open-source context where brand identity is constantly challenged, and brand narratives are continuously written and rewritten by multiple brand authors. The article concludes that it is important that brands do not navigate these risks by adopting defensive stances, but rather boldly seize the opportunities that these technologies offer for creating new market linkages and for developing customer insights that create innovative brand value and impact, by tapping into opportunities for creative self-expression.     

消费者对互联网银行的可接受度问题研究

互联网银行能否取得成功很大程度上取决于消费者对其的接受程度。西方互联网银行的发展早于中国,所以对其研究也早于中国,但这些早期研究对中国仍有启发意义。本文在借鉴西方学者研究基础上,综述了研究消费者是否接受互联网银行的相关理论,分析了影响消费者对互联网银行可接受度的相关因素,并着重从消费者的风险感知视角研究了影响消费者接受互联网银行的风险,最后就如何发展中国互联网银行提出了政策建议。