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违约风险、声誉资本与互联网信贷 被引量:1
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作者 宋潞平 claire zheng 《华北电力大学学报(社会科学版)》 2017年第4期75-81,共7页
本文通过博弈方法考察了互联网信贷中创业融资者和投资者的决策行为,发现如下几个结论:(1)在完全信息条件下,创业融资者的经营努力程度会随着经营利润的增加而提高,同时沿着经营努力程度的边际成本系数的提高而减弱,创业融资者的经营努... 本文通过博弈方法考察了互联网信贷中创业融资者和投资者的决策行为,发现如下几个结论:(1)在完全信息条件下,创业融资者的经营努力程度会随着经营利润的增加而提高,同时沿着经营努力程度的边际成本系数的提高而减弱,创业融资者的经营努力成本边际系数越高,创业者会越不努力经营;(2)在信息不对称条件下,如果没有抵押物,创业融资者的最佳效用将小于完全信息对称情境下的效用;(3)在有抵押的情况下,道德风险不存在;(4)声誉资本可以有效防止道德风险,但是作为理性经济人的信贷平台会在最后一阶段放弃监管选择自身利益最大化。基于以上结论,笔者认为政府应该建立相应的监管机构、提高互联网信贷平台建立门槛、构建社会征信系统等政策建议。 展开更多
关键词 互联网信贷 创业者 道德危机 博弈
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信贷歧视、青年创业群体与互保信贷模式
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作者 宋潞平 claire zheng 《北京化工大学学报(社会科学版)》 2016年第4期22-28,82,共8页
通过构建一个基于互保制度不存在情况下的银行信贷选择的理论模型,揭露银行对于青年创业者的信贷偏向。进而建立一个基于随机组合情况下的互保信贷模型,发现随机组合的互保机制反而不如普通信贷模式。运用此理论模型重点分析欺诈不存在... 通过构建一个基于互保制度不存在情况下的银行信贷选择的理论模型,揭露银行对于青年创业者的信贷偏向。进而建立一个基于随机组合情况下的互保信贷模型,发现随机组合的互保机制反而不如普通信贷模式。运用此理论模型重点分析欺诈不存在和存在的互保信贷机制,得出如下的结论:创业者欺诈意愿不存在的情况下,银行给优质小组和混合小组的借贷成本应该让他们项目的经济利润近似于零,违约连带还款额接近投资项目的总收益。创业者欺诈意愿存在的情况下,在具有完善的合作约束和激励约束的前提下,银行应该对任一创业群体互保小组一视同仁,给予相同的贷款利率。同时,一旦小组成员违约,银行对承担责任的创业者抽贷行为不应该出于惩罚目的。 展开更多
关键词 青年创业群体 互保 激励约束 合作约束
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AMY KITCHEN Baby Blue Bliss
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作者 TRISTIN ZHANG claire zheng 《城市漫步(GBA版)》 2016年第2期61-61,共1页
Tucked behind a sea of mobile phone booths buzzing with vexing salesmen on the fourth floor of China Plaza,Amy Kitchen-a conspicuous baby blue presence with minimalist decor-seems gracefully out of place.
关键词 FLOOR AMY COR
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JQK CLUB AND LOFT Raising the Bar
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作者 LENA GIDWANI claire zheng 《城市漫步(GBA版)》 2016年第1期66-66,共1页
Not so muich a secret loration as an undiscov-ered realm,JQK Cluh and Loft is a golden nugget amidst the mnck of new ven1ues on Xingsheng Lu Located just around the corner from the W Hatel,it was previously knnwn as t... Not so muich a secret loration as an undiscov-ered realm,JQK Cluh and Loft is a golden nugget amidst the mnck of new ven1ues on Xingsheng Lu Located just around the corner from the W Hatel,it was previously knnwn as the Margaret River Wine Bar-ironic,considering the Australian waterway was once the site of a several gold rushes. 展开更多
关键词 JQK REALM GOLDEN
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VEG TABLES Rose-Tinted Rapture
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作者 JOCELYN RICHARDS claire zheng 《城市漫步(GBA版)》 2016年第9期62-62,共1页
Two things come to mind when we,salivating,recall Veg Tables.First,roses,because the vegetarian cafe serves pink glasses of rose-and-beet-infused water on the fourth floor of florist-meets-clothing-boutique Goelia 225... Two things come to mind when we,salivating,recall Veg Tables.First,roses,because the vegetarian cafe serves pink glasses of rose-and-beet-infused water on the fourth floor of florist-meets-clothing-boutique Goelia 225.Second,photography,since the historic qilou was once a happening portrait studio on Beijing Lu(and because we made a lot of Instagram art during our first trip). 展开更多
关键词 GLASSES VEG FLOOR
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SWEET NOSTALGIA Stewed Apple with Jaggery
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作者 JOCELYN RICHARDS claire zheng 《城市漫步(GBA版)》 2016年第9期68-68,共1页
This tangshui is full of memories of my father from when I was a child,Chief Chef Bob Wu tells us,recalling his younger days in Guangdong."It’s a very traditional Cantonese syrup and helps if you have a sore thr... This tangshui is full of memories of my father from when I was a child,Chief Chef Bob Wu tells us,recalling his younger days in Guangdong."It’s a very traditional Cantonese syrup and helps if you have a sore throat,fever or just find it difficult to adapt to the climate here."It also tastes amazing. 展开更多
关键词 YOUNGER DAYS FIND
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SOUTHERN LOVIN' Handmade Puglian Orecchiette
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作者 Jocelyn Richards claire zheng 《城市漫步(GBA版)》 2016年第11期68-68,共1页
An old family recipe from Puglia,a southern region that forms the heel of Italy's boot,orecchiette is a variety of handmade pasta that translates(and resembles)little ears/But don't worry;you seasoned Cantones... An old family recipe from Puglia,a southern region that forms the heel of Italy's boot,orecchiette is a variety of handmade pasta that translates(and resembles)little ears/But don't worry;you seasoned Cantonese diner you-only semo・lina flour;water;salt and a bit of olive oil go into making it.Scan the QR code and watch our home cooking video to see exactly how Chef de Cuisine Vincenzo Gatti shapes the dough to form this traditional pasta.It's a treat when you're home alone and in the mood to whip up something special! 展开更多
关键词 COOKING TRANSLATE SOMETHING
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RED CHILLI The Peopled Food,Rein vented
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作者 LENA GIDWANI claire zheng 《城市漫步(GBA版)》 2016年第10期68-68,共1页
It was early in the 1980s when one New York Times Magazine wrote about Vietnamese food.The flavors,they penned,and we quote directly,"were like lightning bolts to our jaded palates."The chicsters,the hippies... It was early in the 1980s when one New York Times Magazine wrote about Vietnamese food.The flavors,they penned,and we quote directly,"were like lightning bolts to our jaded palates."The chicsters,the hippies and the culinary bigwigs greeted it rapturously and hastened to try it.Fresh herbs!Lively flavors!Oh,and pho!Lighter than Chinese,it was seemingly less fiery than Thai.And then,just like that,it be­came a part of our gastronomic landscape. 展开更多
关键词 LIGHTNING HERBS TIMES
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SOMEWHERE ELSE Where You Wanna Be
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作者 Jocelyn Richards claire zheng 《城市漫步(GBA版)》 2016年第11期59-59,共1页
Were do you go to escape monotony?To treat your taste buds to something other than the same two or three dishes you force down week after week for lunch in Guangzhou?Well,dear reader you go Somewhere Else.
关键词 SOMETHING ESCAPE DIS
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谢煮笼恩
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作者 BYTRISTIN ZHANG claire zheng 《城市漫步(GBA版)》 2016年第2期62-62,共1页
During China's dynastic era,there were many specific conventions associated with addressing the emperor A new Cantonese eatery on Jianshe Liu Malu has taken inspiration from these conversational formulae with a ho... During China's dynastic era,there were many specific conventions associated with addressing the emperor A new Cantonese eatery on Jianshe Liu Malu has taken inspiration from these conversational formulae with a homophonous play on the old Chinese phrase‘xiezhu long'en'(谢主笼恩).Literally meaning‘thank you lord for your grand offerings/it was a customary response when acknowledging gifts from the sovereign,but would Xiezhu Long'en merit the seal of approval or summary execution? 展开更多
关键词 offering HAS MEANING
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HOT STVFF
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作者 Jocelyn Richards Tristin Zhang claire zheng 《城市漫步(GBA版)》 2016年第12期62-65,共4页
Hot pot:the one Chinese food all foreigners can agree to love.This month,we're introducingfour classic varieties and sharing a few cooking tips so you can partake in some steamy DIY action at home this winter.
关键词 COOKING WINTER DIY
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CLAW DADDY Lobster baked with shallots and yellow wine
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作者 LENA GIDWANI claire zheng 《城市漫步(GBA版)》 2015年第6期53-53,共1页
Prized for its hard shell and meaty qualities,Canadian lobster is the country's most valuable export.In fact,China is becoming a preferred destination for Canadian crusta­ceans as demand skyrockets.Caught in ... Prized for its hard shell and meaty qualities,Canadian lobster is the country's most valuable export.In fact,China is becoming a preferred destination for Canadian crusta­ceans as demand skyrockets.Caught in the wild and sustainable,with a high meat yield that is low in fat,contains 90 percent protein and no carbohydrates,folks here in the Middle Kingdom love them.The main draw,however,is that they resemble dragons,mak­ing them an auspicious and sought-after ingredient This indigenous recipe,although somewhat com­plex,will amaze your guests and make for a delightful(and slightly drunken)summer blowout. 展开更多
关键词 BECOMING YELLOW DRAGON
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FOOD WARS Crumble-topped baked codfish
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作者 LENA GIDWANI claire zheng 《城市漫步(GBA版)》 2015年第3期53-53,共1页
The cod is no romantic fish.Its capture has in­spired neither artistic masterpieces nor he­roic rituals.And yet,it's unusual to find a fish that nations went to war over.As a matter of fact,the last of t... The cod is no romantic fish.Its capture has in­spired neither artistic masterpieces nor he­roic rituals.And yet,it's unusual to find a fish that nations went to war over.As a matter of fact,the last of the Cod Wars,a series of skirmishes between Britain and Iceland,ended in 1976.Popular fare,especially when dried and salted,its flaky flesh is also almost 100 percent cho­lesterol free and an important source of vitamins and minerals like phosphorus,calcium and iodine. 展开更多
关键词 POPULAR DRIED BRITAIN
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MR.BEAN Soya explora
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作者 WILL Wu claire zheng 《城市漫步(GBA版)》 2015年第3期59-59,共1页
Don’t be misled by the name-this review isn't dedicated to the eccen­tric British character portrayed by Rowan Atkinson.Rather,it refers to the fact that Mr.Bean sells bean products;eve­rything from soy... Don’t be misled by the name-this review isn't dedicated to the eccen­tric British character portrayed by Rowan Atkinson.Rather,it refers to the fact that Mr.Bean sells bean products;eve­rything from soy milk to legume snacks.Founded in 1995,the Singaporean chain boldly ex­panded soy milk’s'territory’to occupy a crucial space in people’s everyday diets. 展开更多
关键词 EVERYDAY OCCUPY BEAN
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FITNESS FOOD Fresh Bites and their nutritious pre-prepared grub
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作者 ROSE SPICHER claire zheng 《城市漫步(GBA版)》 2015年第6期59-59,共1页
The pubs and restaurants of Xingguo Lu.Fantastic dim sum joints scat­tered throughout the city.Delicious international fare around Xiaohei,Taojin and beyond.And we must never,ever forget the heavenly banoffee pie... The pubs and restaurants of Xingguo Lu.Fantastic dim sum joints scat­tered throughout the city.Delicious international fare around Xiaohei,Taojin and beyond.And we must never,ever forget the heavenly banoffee pie at Social&Co.Gosh,why are we not losing weight?Living in Guangzhou,finding nourishing food to eat every day is a struggle.Preparing low-fat meals at home is time consuming;munching salads every day is boring;and restaurant‘health food’usually contains hid­den calories,not to mention that it can be ex­pensive.Fortunately,we now have a new op­tion. 展开更多
关键词 consuming finding RESTAURANT
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LA CESAR PIZZERIA Pungent but popular
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作者 WILL WU claire zheng 《城市漫步(GBA版)》 2015年第3期56-56,共1页
If there is one telltale sign of a decent restaurant,it’s the length of the queue outside the shop Nine times out of 10,we've passed by La Cesar Pizzeria to find a snaking line of loyal customers wait­ing fo... If there is one telltale sign of a decent restaurant,it’s the length of the queue outside the shop Nine times out of 10,we've passed by La Cesar Pizzeria to find a snaking line of loyal customers wait­ing for a seat.It begs the question:what's so special about their pizza?A Shenzhen-based brand,La Cesar en­tered Guangzhou at the end of last year and has quickly earned a large following.With its fourth branch under construction near Guangzhou Fast Railway Station,the chain captures diners’hearts with 100 percent handmade durian pizza. 展开更多
关键词 earned OUTSIDE RESTAURANT
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