从农民角度解读农村土地权属制度变革——农村土地权属及流转调研报告

根据对四川、重庆等地调研,留守农民并不关心农村土地所有权制度的变革,而更关注在保持和完善土地承包制前提下的土地增收.农民对农业用地的资产化和规模化流转持欢迎态度.在农村建设用地流转当中,征地标准过低威胁农民可持续生存和发展,导致青睐在宅基地置换基础上的农民集体产权房,但是违规的"小产权房"并不符合农民的长远利益.农民融资难题依旧未得到解决.根据十七届三中全会"决定"精神完善相关立法为当务之急.     

UK Government Policy,Credit Unions,and Payday Loans

This article outlines how successive UK governments’ policies first created a three-tier system of credit unions and then posited credit unions as alternatives to payday lenders. The three-tier framework is used for an analysis of loans offered on credit union websites. The findings indicate that while the first two tiers of credit unions now offer loans to people who have not saved with them previously, they do so in ways consistent with credit unions’ original character, rather than in ways that replicate commercial payday loans. The other tier of credit unions appears unable to offer such loans.     

读音和词形英语化与法语借词

法语借词通过英语读音和词形同化而具备了英语词汇的读音和词形特征。依据非同化和同化概念细化的英语读音和词形同化方式，分析法语借词英语读音和词形同化的规律。英语读音同化法语借词呈现两种状态：英语读音体系的归属与法语发音方式的遗存；英语词形同化的法语借词词根不变，而是在词尾、词中等位置局部改变法语词形。     

Market-Oriented Interest Rates

正China's central bank cut interest rates for deposits and loans and adjusted their floating ranges on June 8.Yi Xianrong,a research fellow with the Institute of Finance and Banking under the Chinese Academy of Social Sciences,shared his views on the impact of the cut with Shanghai Securities News.Edited excerpts follow:     

处置不良个贷的法律程序及疑难法律事项研究

结合法律与实践经验,处理不良个贷的一般法律程序为:发出催款通知书--尽职调查--发律师函及上门催收--追索保证人,处置抵押物品--诉讼手段催收.贷款抵押物处置时,抵押物的拍卖加剧了不良个贷的清收负担;拍卖活动在处理他项权问题时出现的混乱,需要通过加强对拍卖活动的监督管理来解决.     

MARKET WATCH

正OPINION The Role of Risk China should keep an eye on debt risks.In an increasingly volatile financial market,risks may have positive effects,as market participants can better weigh risks and returns,and respond to changes in a more accurate way.Recent financial reforms,such as the central bank’s policy on deposit certificates in the interbank market and the initial public     

NUMBERS

正$1.9 billion The net direct investment received by China’s financial institutions from overseas investors in the third quarter$100 million The number of loans that will be received by southwest China’s Guizhou Province from the World Bank over the next five years for rural development     

泰国银行业重组措施及效果分析

东南亚金融危机爆发以后,泰国银行体系由于本身所固有的缺陷,其不良债权急剧增加,已经成为银行业正常运行的沉重负担,并且严重阻碍了泰国经济走上复苏道路。为了解决这一问题,泰国政府采取了诸如设立专门机构、筹集专项资金、有条件向商业银行注资的手段,目前已经取得了一定成效,但其中存在的一些问题我们也应该注意     

Is LEO ‘Orwellian'? Earnings,Willetts, OfS,Creative Arts,and the Cost of Higher Education

The cost of higher education to the taxpayer is determined in part by the choice of subject and institution made by students. The Augar report on higher education noted that there was an oversupply of ‘low value' courses and called on the government to ‘bear down on low value courses' and ‘target courses better aligned with the economy's needs'.¹ Until recently there was no reliable data to identify such courses or the institutions supplying them. The Institute for Fiscal Studies has utilised recently available longitudinal education data on earnings, courses and institutions to rectify this deficiency. Many of the lowest earning courses are in the creative arts. Not everyone is happy with using earnings to measure the value of courses. This paper discusses the IFS estimates of graduate earnings and the public cost of higher education, as well as the criticisms of using earnings data to measure the value of courses and institutions.     

有效促进国家助学贷款工作探讨

高校扩招后,为帮助贫困学生就学,国家出台了带有很强政策性的助学贷款政策,是由国家指定的商业银行面向在校经济确实困难的本、专科学生和研究生开展的一种助学形式。目前实施这项政策的商业银行面临着降低不良贷款的强大压力。在实际操作中采取建立诚信档案、多方开展诚信教育、国家财政建立专项基金、建立全国信贷系统监督平台等多种方式可以更加有效地促进这项工作的开展。