积极推进住房抵押贷款证券化

推行住房贷款证券化,应构建完善的信用评估体系,形成完善的金融交易网络和交易市场,深化金融改革,开发新的贷款种类,建立健全的法律法制环境,技术处理手段须尽快发展。     

经验与启示：从“家和”文化构建说起

“家和”文化的构建经历了从自发到自觉、从零散到系统、从发展到创新、从孕育到成熟的发展历程。其经验与启示为：企业文化只有自下而上、植根于基层，才能保持旺盛生命力；企业文化建设只有抓住文化的“魂”，才能发挥它的鞭策功能；企业文化只有坚持领导主导与全员参与相结合，才能增强感染力；企业文化只有系统、完善，才能发挥潜移默化作用；企业文化必须有健全的制度体系，才能确保企业精神执行到位。     

美国城市的法律地位——狄龙规则的过去与现在

狄龙规则是美国处理州和地方关系的重要原则。它认为城市是州立法机关的创造物,州立法机关对其组织和结构具有绝对的控制力。狄龙规则自诞生以来就不断受到各种冲击。二战后,美国各州相继确立了地方自治制度,地方相对于州而言取得了较大的自治权。与此同时,美国联邦政府却开始通过经济渗透逐步介入地方事务,城市逐渐陷入联邦的控制。狄龙规则的变迁体现了权力制衡,地方政府在摆脱州权控制的同时又受到了联邦权力制约。     

对NBA与CBA主场效应的对比研究

主场效应是指主队的获胜概率大于客队的一种统计现象。本研究解析了NBA和CBA两个不同水平联赛球队的主场效应问题,并以此探析不同水平比赛球队的主场效应问题,以完善认识。     

Race and the Housing Cycle: Differences in Home Equity Trends Among Long-Term Homeowners

During the past decade, housing markets across the United States experienced dramatic upheaval. Housing prices rose rapidly throughout much of the country from 2000 until the start of 2007 and then fell sharply during the next 2 years. Many households lost substantial amounts of equity during this downturn; in aggregate, U.S. homeowners lost $7 trillion in equity from 2006 to 2009. Aggregate home equity holdings had fallen back to 2000 levels by early 2009. Whereas this intense volatility has been well documented, there remain unanswered questions about the variation in experiences across racial groups, particularly among those who purchased their homes before the boom and kept them through the collapse of the market. Did this housing market upheaval widen the already large racial and ethnic gaps in housing wealth? Using the American Housing Survey, we analyze differences in the changes in home equity experienced by homeowners of different races and ethnicities between 2003 and 2009. We focus on homeowners who remained in their homes over this period, and find that blacks and Hispanics gained less home equity than whites and were more likely to end the period underwater. Black–white gaps were driven in part by racial disparities in income and education and differences in types of homes purchased. Latino–white disparities were most dramatic during the market’s bust.