对当前公安基层工作不落实问题的思考

当前公安基层工作中存在不落实的问题。要抓好公安基层的落实工作,就必须端正工作指导思想,在求真务实上下功夫;就必须转变工作作风,在真抓实干上下功夫;就必须解决突出问题,在破解难题上下功夫。     

廉租住房实物配售与配租的效果研究——基于陕西省XX市的调查

实物配售和实物配租是廉租住房补贴实施的主要方式,实证分析两种补贴的政策效果对廉租住房的开展具有重要意义。本文运用效用分析方法,结合陕西省XX市廉租住房住户随机抽样调查获得的数据,对比分析实物配售和实物配租两种补贴方式的实施效果。研究结果表明,两种补贴方式均提高了受补贴家庭的消费效用水平,但效用增加量的大小与住房消费获得的效用占总消费获得效用的比重r相关:当r小于0.5974时,实物配租的效用增量大于实物配售;当r大于0.5974时,实物配售的效用增量大于实物配租。研究表明廉租住房建设过程中,应当适当考虑其建设地点或完善小区周围的学校等公共设施。现阶段两种补贴方式在廉租住房保障中都能够发挥一定的作用。因而政府通过建设廉租住房解决家庭住房困难问题,可以采取实物配租和实物配售相结合的方式。两种方式的具体选择可以依据住房消费效用占家庭消费总效用的比例来确定。     

反向住房抵押贷款——以房养老的新模式探析

反向住房抵押贷款是为了使老年人将房屋抵押后仍可以继续居住,以实现养老或者增加老年人收入的模式设计,因涉及老年人的养老问题,社会影响较大。文章首先阐明了反向住房抵押贷款的概念和特征,分析其法理基础,与相关概念进行比较,再结合中国的具体国情,分析反向住房抵押贷款制度在我国实行的可行性和障碍,从法律的角度来研究反向住房抵押贷款。     

Evidence and Actions on Mortgage Market Disparities: Research,Fair Lending Enforcement,and Consumer Protection

ABSTRACT

In this article, we present an overview of the research on discrimination in mortgage underwriting and pricing, the experiences of minority borrowers both prior to and during the financial crisis, and federal efforts to mitigate foreclosures during the crisis. We next discuss the history of legal cases alleging disparate treatment of minority borrowers, and recent cases alleging disparate impact in the wake of the Supreme Court’s Inclusive Communities decision. Using these discussions as a background, we examine and discuss mortgage regulations issued by the Consumer Finance Protection Bureau following the financial crisis, describe recent developments in the FinTech industry and explore the implications for fair lending policy and minority borrowers more generally. Finally, we draw conclusions and make recommendations for improving the mortgage market outcomes of minority borrowers and increasing minority borrowers’ access to credit.     

经济适用房存在的必要性分析——基于福利经济学与人性假设理论的解释

运用福利经济学、人性假设理论，对经济适用房实现资本循环、拉动内需等方面的作用进行论述；运用人性假设理论，对住房保障对象的心里需求进行分析。经济适用房能够实现在为保障对象提供社会住房福利的同时，使投资于福利事业的结果给社会带来更大的收益；并且充分尊重和保护了保障对象的福利选择权益。因此经济适用房是我国住房保障体系中不可或缺的一部分。     

论我国独立董事制度的完善

我国引入独立董事制度后，有利于改善公司治理结构，保护中小股民的利益。但我国的独立董事制度还存在一定的问题，只有采取相应的对策，才能使该制度更加完善和规范。     

市郊结合部公安派出所警务运作机制改革浅析

当前市郊结合部地区公安派出所警务运作机制中存在一些问题,故此,必须改革警务运作机制,调整警力配备,完善作息制度;采用责任捆绑连带原则重新划分警务区;进一步完善考核机制;理顺外部环境,完善联动网络;提高民警综合素质.     

现代警务运作机制的探索

社会主义市场经济条件下,公安工作面临新的挑战.必须尽快建立现代警务运作机制,适应当前严峻的社会治安形势.现代警务运作机制必须建立在情报信息、打防结合、科学运转及规范管理等原则的基础之上.     

“扫黄打非”斗争中的单位违法犯罪问题探讨

目前，单位犯罪已成为“扫黄打非”斗争面临的新问题．在实际工作中，我们要正确理解单 位犯罪的构成要件和特征，明确单位犯罪与法人犯罪的界限，把握好对单位犯罪的处罚尺度．     

Building consensus for affordable housing

Abstract

At one time the national goal of affordable housing was a widely held consensus that led to decent housing for millions of Americans. Today, proponents of affordable housing must negotiate with diverse and sometimes hostile parties to secure project approvals. Discussions are frequently adversarial, and stalemate is too often the result. The consensus has collapsed.

If progress toward affordable housing is to be made, proponents will have to recast the way they operate within this new environment. More than new financing plans or recommendations for regulatory relief are needed. Attention must also focus on the processes by which groups address divergent interests and come to agreement. “Principled negotiation,” a form of joint problem solving, when coupled with third‐party intervention, offers a promising and effective means of dealing with this hostile environment.