Not ‘Islands,Entire of Themselves’: Exploring the Spatial Context of City-level Robbery Rates

The current study examines spatial dependence in robbery rates for a sample of 1,056 cities with 25,000 or more residents over the 2000–2003 period. Although commonly considered in some macro-level research, spatial processes have not been examined in relation to city-level variation in robbery. The results of our regression analyses suggest that city robbery rates are not spatially independent. We find that spatial dependence is better accounted for by spatial error models than by spatial lag models. Further exploration of various spatial weights matrices indicates that robbery rates of cities within the same state are related to robbery rates of other cities within the same state, regardless of their proximity. Our analyses illustrate how systematic inquiry into spatial processes can alert researchers to important omitted variable biases and identify intriguing problems for future research.

论利用ATM机故障恶意取款行为的定性——兼论侵占罪、盗窃罪、信用卡诈骗罪实行行为的区别

利用ATM机故障恶意取款行为是指信用卡的合法持卡人,或者经持卡人合法授权的人,在明知银行的ATM机出现技术故障的情况下,进行取款、转账等操作程序,非法占有银行资金的行为。这种行为具有五个特征,即信用卡的真实性、主体的合法性、银行的过错性、行为的形式正当性和主观的恶意性。对利用ATM机故障恶意取款的行为应当定盗窃罪,而不能以信用卡诈骗罪或侵占罪处罚。     

我国上市商业银行绩效的实证分析

文中通过构建基于VaR的上市商业银行绩效评价指标体系,建立了上市商业银行绩效的定量分析模型———多目标评价模型,对我国上市商业银行绩效进行实证分析,得出其绩效的排名情况。     

对外开放与我国银行业的发展——兼论对金融混业经营的再反思

加入WTO后,我国国有商业银行将面临越来越多的竞争和挑战.如何应对这一挑战,不仅要借鉴西方国家的成功经验,而且还要联系中国现阶段的国情.目前,我国国有商业银行实行的分业经营管理模式,在短时期内仍然是合乎实际的正确做法.     

对银行保密法律问题探讨

文章通过对我国银行保密法律制度的分析,指出对其立法中的优越之处应予继承,即对个人与单位分别运用不同的保密规定,从个人隐私、商业秘密和国家秘密三方面对银行客户的秘密进行全面的保护,同时结合保密制度发展趋势,提出相关立法建议。     

城市商业银行国际化问题初探

近几年来,部分城市商业银行进行了积极的国际化探索。城市商业银行国际化的主要途径是:开拓多元化的银行国际业务,积极吸引外资参、控股,建立国际化的银行机构网络体系,运用现代化的银行国际服务手段和科学的银行国际管理办法。     

试论投资银行在企业并购中的作用

在世界企业并购浪潮一浪高过一浪之时 ,我国的企业并购仍在蹒跚学步 ,对投资银行在企业并购中的认识微乎其微。鉴于此 ,我们从投资银行业务入手 ,说明并购业务是投资银行的核心业务 ,重点论述投资银行在企业并购中的作用 ,并通过对中国宏观、微观经济环境的分析 ,提出相应的政策建议。     

Motives in a Triple Spree Homicide

Juries, criminologists, prosecutors, law enforcement officials, and the lay public like to know the motive for a murder—especially when there are unusual features such as multiple victims, extensive injuries, or unexplainable acts to the bodies. However, many times the motive is not readily available from the murderer because he does not confess or he does not consciously know why he killed. The following case describes the analysis of multiple motives in a triple spree homicide committed in a very short time frame. Robbery was the primary motive for the first victim and sexual homicide was the motive for the second and third victims.     

The effect of ECB communication on interest rates: An assessment

This paper reviews the literature on the communication policy of the European Central Bank (ECB) addressing two questions. First, to what extent has ECB communication affected interest rates? Second, to what extent has ECB communication affected the predictability of the ECB’s interest rate decisions? On the basis of a survey of empirical studies, it is concluded that various forms of ECB communication lead to more volatility. However, studies focusing on volatility cannot assess whether markets moved in the intended direction. To analyze whether this is the case, researchers have coded ECB communications. Studies using this approach yield evidence that communications generally move financial markets in the intended direction. There is also substantive evidence that ECB communications increase the predictability of interest decisions by the ECB Governing Council. Finally, the consequences of the fact that ECB officials often gave contrasting signals to market participants are analyzed. New evidence suggests that inconsistent communication causes agents to make less accurate predictions. The policy implication is that central bankers should take care that their statements are consistent.     

学生助学贷款的行政给付性质探讨

国家在教育领域的直接责任是不容置疑的,这种直接责任在助学贷款制度中体现为行政给付。因而必须解决目前助学贷款制度事实上存在的商业定位问题,明确其行政性。由政策性银行代表政府作为一方当事人与学生签订行政合同,利用行政合同的灵活性与合意性,辅以个人教育风险投资的方式,可以从理论上和实务上解决目前存在的诸多问题。