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客户非财务特征的金融排斥结构对家庭财产差距的影响研究 被引量:3
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作者 康书生 余军 《现代财经(天津财经大学学报)》 CSSCI 北大核心 2021年第1期61-77,共17页
人口结构、教育资源、环境关系等非财务特征形成的金融排斥结构对家庭财产差距的影响不容忽视。本文基于2017年中国家庭金融调查(CHFS)数据,运用对应分析法测算出信贷、账户、保险三类非财务特征的排斥结构,利用Shapley值分解法得出他... 人口结构、教育资源、环境关系等非财务特征形成的金融排斥结构对家庭财产差距的影响不容忽视。本文基于2017年中国家庭金融调查(CHFS)数据,运用对应分析法测算出信贷、账户、保险三类非财务特征的排斥结构,利用Shapley值分解法得出他们各自对家庭财产差距的贡献率。实证结果表明:(1)整体上,信贷排斥结构的财产差距贡献率最高,账户其次,保险最低;穷人家庭的三种排斥结构的相对贡献率均高于富人家庭;(2)非财务金融配置机制可避开穷人家庭的财务劣势,比财务配置机制更具包容性和鼓励性,但也避开了富人家庭的财务优势并对银行机构带来一定冲击,于借贷双方均不利;(3)对农村样本进一步研究发现,学历、手机和年龄的账户排斥结构的财富差距贡献较为突出,其次为年龄和性别的信贷排斥,保险排斥整体较低。最后,本文在非财务金融配置体制、非财务信息数据库和专项金融基金等方面提出了相应建议。 展开更多
关键词 财务金融排斥结构 家庭财产差距 Shapley值分解 金融包容
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移植肾磁共振成像特征的探讨
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作者 高林蓉 张明 +1 位作者 唐新宇 杨楷 《实用医学影像杂志》 1998年第4期19-22,共4页
目的:探讨移植肾的MRI表现、材料与方法:对35例移植肾进行MRI检查,根据临床症状及生化资料将其分成三组,即非排斥组22例;排斥组(急性、慢性)5例;少尿、无尿组8例。MRI观察项目:(1)移植肾大小,(2)移植肾皮髓质分辨率(四级),(3)移植肾血... 目的:探讨移植肾的MRI表现、材料与方法:对35例移植肾进行MRI检查,根据临床症状及生化资料将其分成三组,即非排斥组22例;排斥组(急性、慢性)5例;少尿、无尿组8例。MRI观察项目:(1)移植肾大小,(2)移植肾皮髓质分辨率(四级),(3)移植肾血管能见度(四度)。结果:非排斥组,肾脏外形无增大,皮髓质分辨率Ⅱ级以上达95%,血管能见度Ⅱ度以上达95%,排斥组,急性:肾脏外形均增大,皮髓质分辩模糊均在Ⅱ级以下,血管能见度在1~0度范围;慢性:肾脏稍偏小,皮髓质分辨率及血管能见度均在Ⅱ~Ⅰ级(度)范围。少尿、无尿组,早期肾脏无增大,皮髓质分辨清楚,Ⅱ级达75%,而血管能见度差,Ⅰ度达75%。本文重点讨论少尿、无尿组的病因,MRI特征及血管能见度改变的临床意义。结论:MRI能较好地显示移植肾的变化,并对其CMD和PVV级别进行判断。 展开更多
关键词 磁共振成像 移植肾 排斥 非排斥
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我国公共产品生产方式及其选择
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作者 庞珂 吴佩旆 《计划与市场探索》 2003年第5期15-16,共2页
随着经济的发展,社会对公共产品质量和数量的要求越来越高。本文概述了我国公共产品生产方式的现状,同时介绍了选择公共产品最佳生产方式的若干方法。
关键词 中国 竞争性 非排斥 纯公共产品 准公共产品
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The Necessary Existence of Gravitational Waves and the Repulsive Gravitation
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作者 C. Y. Lo 《Journal of Physical Science and Application》 2017年第3期1-14,共14页
It is exciting that the gravitational wave has been confirmed, according to the announcement of LIGO. Perhaps, this is the time for physicists to fix the Einstein equation for the gravitational wave and the nonexisten... It is exciting that the gravitational wave has been confirmed, according to the announcement of LIGO. Perhaps, this is the time for physicists to fix the Einstein equation for the gravitational wave and the nonexistence of the dynamic solution. These two problems are inextricably related. As a first step, theorists should improve their pure mathematics beyond Einstein on non-linear mathematics and related physical considerations. Then, theoretically we must first show that the gravitational waves necessarily exist that Einstein was not certain. We find that the existence of gravitational waves is due to that the photons must have a gravitational wave component. Next, we must rectify the Einstein equation that has no gravitational wave solution which Einstein has recognized, and no dynamic solution that Einstein failed to see. However, it is very questionable that the measured gravitational waves are due to the black holes that can be definitely valid due to the long distance of the sources. Moreover, since the repulsive gravitation can also generate a gravitational wave, the problem of gravitational wave is actually far more complicated than we have known. A useful feature of the gravitational wave based on repulsive gravitation is that it can be easily generated on earth. Thus this can be a useful tool for communication because it can penetrate any medium. 展开更多
关键词 Anti-gravity coupling gravitational radiation principle of causality.
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On the Well-Posedness for Stochastic Schrodinger Equations with Quadratic Potential
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作者 Daoyuan FANG Linzi ZHANG Ting ZHANG 《Chinese Annals of Mathematics,Series B》 SCIE CSCD 2011年第5期711-728,共18页
The authors investigate the influence of a harmonic potential and random perturbations on the nonlinear Schr6dinger equations. The local and global well-posedness are proved with values in the space ∑(R^n)={f E HI... The authors investigate the influence of a harmonic potential and random perturbations on the nonlinear Schr6dinger equations. The local and global well-posedness are proved with values in the space ∑(R^n)={f E HI(R^n), |·|f ∈ L^2(R^n)}. When the nonlinearity is focusing and L2-supercritical, the authors give sufficient conditions for the solutions to blow up in finite time for both confining and repulsive potential. Especially for the repulsive case, the solution to the deterministic equation with the initial data satisfying the stochastic blow-up condition will also blow up in finite time. Thus, compared with the deterministic equation for the repulsive case, the blow-up condition is stronger on average, and depends on the regularity of the noise. If φ = 0, our results coincide with the ones for the deterministic equation. 展开更多
关键词 Stochastic SchrSdinger equation WELL-POSEDNESS Blow up
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