Default rules in investment decision-making:trait anxiety and decision-making styles

This study investigates the role of default options in the relationship between trait anxiety,and decision-making styles and financial decisions.One hundred and ninety-four participants were divided into three groups and subjected to three different conditions.Under each experimental condition,they had to decide whether to accept or reject investment proposals.In the first group,they had been enrolled in investment plans by default(opt-out condition),in the second group,they had not been automatically enrolled in these plans(opt-in condition),and in the third group they had to choose whether to enroll or not(control condition).The results showed that the investment decisions of anxious,avoidant,rational and dependent individuals could be facilitated by default options.In conclusion,using default options as a“nudge”can support specific groups of people to improve their financial decisions.

Group training on the improvement of college students'career decision-making self-efficacy

A group training was conducted on 17 college students to improve their career decision-making self-efficacy (CDMSE). The result showed that there was significant difference between the pre-test and the post-test for the experimental group (n = 17), whereas no significant difference was found between the pre-test and the post- test for the control group (n = 17). In the pre-test, there was no significant difference between the experimental group and the control group, and obvious difference between the two groups was found in the post-test. This indicated that the group training was effective on improving the CDMSE of the college students whose scores of CDMSE were below 27% point of the total students.

Application of PPC Model Based on RAGA in Real Estate Investment Decision-Making

According to the size of the projector function to evaluate the merits of the program, Projection Pursuit method is applied to real estate investment decision-making by using the real coding based on Accelerating Genetic Algorithm (RAGA) to optimize the Projection Pursuit Classification (PPC) process and a wide range of indicators value was projected linearly. The results are reasonable and verified with an example. At the same time, the subjective of the target weight can be avoided. It provides decision-makers with comprehensive information on all the indicators of new ideas and new

A group consensus model for evaluating real estate investment alternatives

Background:Individual decision-making largely influences the effectiveness of decisions and benefits of investments.Methods:In this article,a consensus model for group decision-making(GDM),based on the analytic hierarchy process(AHP),is developed to gather group ideas and analyze the real estate investment environment under multi-criteria problems.Twelve evaluation procedures of the developed model,which increase the convergence of the opinions of multiple experts,are proposed.Results:An empirical case about the real estate investment environment is applied to certify the feasibility of this developed model.Conclusions:the evaluation procedures have been fully observed with several rounds of discussions,and have manifested the experiences of experts.Besides,the evaluation results are in accordance with real-world situations,which demonstrates that our developed model is a feasible analysis tool for real estate investors to obtain better profits and lower risk.

Probabilistic Evaluation for Commercial Real Estate Investments

Throughout the decision-making process, prudent investors must address questions regarding the probabilities of future profit gain. In this study, the probability-based discounted cash flow （DCF） method with net present value （NPV） as the indicator was adopted as an analysis tool. A probabilistic framework for measuring exceeding probability of annual rate of return on a commercial real estate investment under a specified holding period was developed. Based on the framework, the relation curves of annual rate of return versus the corresponding exceeding probability of return for available financing schemes were constructed. These curves were used as a tool to prioritize the schemes and inform decision-making. An example case is presented to demonstrate the decision-making process developed in this study. Through the proposed process, investors are given basic information on the return, probability that profit gain will occur, and feasibility of financial schemes for commercial real estate investments.

Fuzzy-logic Method for Global Quality Optimization Problem of the Programmed Action Investment

In order to analyze the planning of a transport linear infrastructure(railway or ordinary road),in order to optimize a relationship work-environment after-work,the study team(engineers,architects,economists,etc),realize a careful prearranged analysis about the characteristic of the site and the large area which are involved by the work project and,once one found all possible alternative solutions,he should compare them through the use of suitable technical,economical and environmental parameters,choosing that one which maximize the global utility of the public investment.In this paper we study a fuzzy-logic method in order to help the decision maker in the analysis of the programmed action public investment.

Optimization of Group Multiattribute Decision-Making Model in Commercial Space Investment

A group multiattribute decision-making model was proposed by implementing prospect theory,multi-attribute decision-making,group decision-making and entropy methods for the optimization in commercial space investment.First,the decision-making function was decided using prospect theory by the preference of each expert to reach the comprehensive prospect value based on different investment options;second,expert decision weights were reached according to entropy method;third,the expert group decision-making information was congregated according to the group decision-making congregation algorithm to reach the most optimized investment option;finally,an example was given to demonstrate the feasibility and effectiveness of the method.This model com-prehensively takes the advantages of many methods to congregate experts'experiences and avoid the subjective influences,thus providing a scientific decision-making approach for the commercial space investment.

基于探究型人才素质培养的《金融学》课程改革研究——以投资学专业为例

新时期金融行业新的发展趋势对投资学专业人才培养目标提出了新的要求,经管类本科学生不仅要具有实践能力,更需要勇于探索创新的综合能力。《金融学》是投资学专业的基础必修课,通过分析新时期《金融学》课程改革的重要性,针对投资学专业《金融学》课程教学中存在课程内容单一、学生自主学习习惯差等问题,就课程教学模式和内容提出了改革路径。建议优化教学方法以培养学生自主学习习惯、启发式教学激发学生思维活力、细化教学评价体系来完善人才培养目标。

Getting the Most Out of Every Training Day:The Influence of Instructors on Self-Regulated Learning During Firefighter Leadership Courses

Leadership courses in the fire services are highly challenging,and they can seriously exhaust trainees and hamper their selfregulated learning efforts(for example,setting goals,focusing attention,seeking feedback).We theorize that experiences of failure or overload can curtail trainees'available energy resources on subsequent training days,which,in turn,should affect trainees'learning efforts.Given instructors'central role in leadership courses,we hypothesize that supportive and humble instructor behaviors decrease experiences of failure and overload and,thus,increase self-regulated learning.Moreover,we argue that supportive instructor behavior may amplify the positive effects of high energy resources,while humble behavior may alleviate the negative impact of low resource levels.We tested preregistered hypotheses with 118 firefighters participating in two-week leadership courses at a German fire academy.The participants completed short web-based questionnaires before and after classes each day.Multilevel analyses confirmed that perceived daily supportive and humble instructor behavior predicted trainees'reports of daily self-regulated learning activity.Notably,this effect was independent from positive effects of trainees'reported energy resources in the morning.Supportive and humble behavior did not moderate the eff ect of energy resources.Our findings suggest that instructors play a crucial role in facilitating effective learning under challenging training conditions.Furthermore,we offer implications for leaders in fire services,who often conduct trainings with their subordinates.

广东对东盟直接投资应注意的问题及对策

自2010年中国与东盟正式建立自由贸易区以来,中国对东盟国家的直接投资呈现出快速增长的态势,其中广东省作为中国改革开放的前沿阵地,具有得天独厚的优势,是中国对东盟直接投资的主要省份之一。为了促进广东省对东盟的直接投资,政府和企业应采取优化投资产业结构、加强专业人才培养、加强对东盟法律制度的了解和研究等措施。

高职财经专业“服贷投”生产性实训基地建设研究

高职院校校企共建生产性实训基地具有重要性和紧迫性,当前财经特色鲜明的生产性实训基地十分匮乏。该研究聚焦普惠金融服务实体经济,以突破科创中小微企业融资难题的“服贷投”模式为切入点,深入分析生产性实训基地建设的核心问题,依托真实的投融资场景及全生命周期金融服务,探索研究“服贷投”生产性实训基地的建设。该文在系统梳理“服贷投”模式的底层逻辑基础上,详细阐述基地建设的各方基础并积极探索基地的建设路径。该研究为高职财经专业生产性实训基地的建设提供重要启示,从整合多方资源、紧密联系产业与行业、加强产教研联动、拓展基地的社会服务功能等方面明确实训基地的建设方向。

地方特色文化产业的创新发展策略研究

地方特色文化产业作为传承和弘扬地域文化的重要载体,对于促进地方经济发展和文化多样性具有不可替代的价值。然而,在创新发展的过程中,这些文化产业面临着资金不足、专业人才缺乏、传统文化与现代市场需求对接不畅及与其他产业融合程度不高等难题。为应对这些挑战,该文提出了一系列创新发展策略。首先,政府加大政策扶持力度和资金投入,改善融资环境,以缓解资金短缺问题;其次,通过培养和引进专业人才,提升产业的创新能力和竞争力;再次,深化文化内涵,创新产品与服务,使之更贴合现代市场需求;最后,推动文化产业与其他行业的融合,如旅游业,以拓展市场空间,实现跨行业协同发展。

Research on the Infuence of Multiple Parameters on the Responses of a B-type Subway Train

To obtain improved comprehensive crashworthiness criteria for a B-type subway train,the infuence laws of the vehicle design collision weight M and empty stroke D on the train’s collision responses were investigated,and multiobjective optimization and decision-making were performed to minimize TS(total compression displacement along the moving train)and TAMA(the overall mean acceleration along the moving train).Firstly,a one-dimensional train collision dynamics model was established and verifed by comparing with the results of the fnite element model.Secondly,based on the dynamics model,the infuence laws of M and D on the collision responses,such as the energy-absorbing devices’displacements and absorbed energy,vehicles’velocity and acceleration,TS,TAMA and the coupling correlation efect were investigated.Then,surrogate models for TS and TAMA were developed using the optimal Latin hypercube method(OLHD)and response surface method(RSM),and multi-objective optimization was conducted using the particle swarm optimization algorithm method(MPOSO).Finally,the entropy method was used to obtain the weight coefcients for TS and TAMA,and multi-objective decision-making was performed.The results indicate that D and M signifcantly afect the compression displacements and energy absorption of the frst three collision interfaces,but have limited impact on the last three collision interfaces.The velocity versus time curves of vehicle M1 and M2 are shifted and parallel with diferent D.However,the velocity versus time curves of all the vehicles are shifted but gradually divergent with diferent M.The maximum collision instantaneous accelerations of the vehicles are directly determined by M,but are only slightly afected by D.Under the coupling efect,all concerned collision responses are strongly correlated with M;however,the responses are weakly correlated with D except for the compression displacement at the M2-M3 collision interface and the maximum collision instantaneous acceleration of vehicle M2.The comprehensive crashworthiness criteria of the B-type subway train were signifcantly improved after multi-objective optimization and decision-making.The research provides more theoretical and engineering application references for the subway train crashworthiness design.

The Impact of Human Misjudgment Psychology on Investing

Everyone responds to their psychological emotions,which affects all aspects of their lives.Therefore,psychology is not an independent discipline;it can react chemically with many other disciplines,such as finance and architecture.A person who is not careful and unconcerned about precision is more likely to fail a project.Investment decision-making always appears in people’s daily life and takes an important role.Through linking psychology to investment,people can learn a deep understanding on their investment decision.Human Misjudgment Psychology is a not widely taught discipline although it has great influence on the decision-making.As a result,the focus of this paper will be on the impact of Human Misjudgment Psychology on investment decisions.However,due to the limitation of time,only five biases from the Human Misjudgment Psychology will be covered,so further research and studies of the other biases will be looking forward to being finished.

Large sequence models for sequential decision-making:a survey

Transformer architectures have facilitated the development of large-scale and general-purpose sequence models for prediction tasks in natural language processing and computer vision,e.g.,GPT-3 and Swin Transformer.Although originally designed for prediction problems,it is natural to inquire about their suitability for sequential decision-making and reinforcement learning problems,which are typically beset by long-standing issues involving sample efficiency,credit assignment,and partial observability.In recent years,sequence models,especially the Transformer,have attracted increasing interest in the RL communities,spawning numerous approaches with notable effectiveness and generalizability.This survey presents a comprehensive overview of recent works aimed at solving sequential decision-making tasks with sequence models such as the Transformer,by discussing the connection between sequential decision-making and sequence modeling,and categorizing them based on the way they utilize the Transformer.Moreover,this paper puts forth various potential avenues for future research intending to improve the effectiveness of large sequence models for sequential decision-making,encompassing theoretical foundations,network architectures,algorithms,and efficient training systems.

教育和技能培训缓解了非正规就业者的不利境况吗? ——基于进城务工农户的考察

非正规就业创造新岗位,对减少社会失业和贫困有重大意义。然而分割劳动力市场使正规与非正规就业者在机会和收益方面的差异,能否通过人力资本投资得到缓解?使用中国社会状况综合调查(CSS)数据,运用工具变量和倾向得分匹配法纠正人力资本投资自选择的内生问题。结果表明,职后的技能培训在更广泛的就业类型中促进就业机会的增加;即使劳动力市场可能存在隐形歧视,包括中等职业类的高中及以上教育投资均能增加农户就业机会和非正规就业收益,验证了教育和技能培训缓解了非正规就业者的不利境况,尤其在女性农户群体中这种缓解效应更为明显。由此建议:创办以市场需求为导向的技能培训;鼓励农户投资中等职业类教育,从事多样化非正规自雇就业;健全劳动力市场制度,消除歧视。

国家能源集团产业一体化运营模式下铁路运输能力提升研究

国家能源集团主营业务包括煤炭、铁路、港口、船舶、电力以及煤化工等多个板块,在多年的生产运营中已经形成煤炭生产→运输→销售→转化的纵向一体化运营模式,其中铁路运输起到了关键的产业连通、价值传导作用。在阐述国家能源集团产业一体化运营模式下铁路运输板块现状、优势和发展前景基础上,分析生产组织实际过程中存在的突出问题。从优化C64型列车运行方案、合理安排煤化工产业设备检修、协调国家铁路空车入线节奏、合理利用港口仓储等方面提出合理化建议。通过对比分析法,直观体现出优化C64型列车运行方案后,可充分利用闲置车体上线、进一步压缩车辆周转时间、优化包神—神朔—朔黄铁路黄金通道列车运行品质,提高铁路运输调运能力,进而有力支持了国家能源集团一体化运营模式的高效运行,提高保供能力和水平。

企业在职培训的人力资本分析及其投资决策

贝克尔用传统的微观均衡分析方法建立了人力资本投资均衡模型并将其应用于企业的在职培训投资决策,论文在对贝克尔的两个假设进行分析的基础上,从人力资本的社会属性和组织属性的视角,研究企业基于人力资本的在职培训投资,增加员工忠诚度和员工流失成本两个变量,为企业在职培训投资决策提供可借鉴的分析方法。

农民科技素质现状、原因及培育之策

基于农民科技素质在现代农业和新农村建设中的重要性,在采用实证分析中国农民科技素质现状的基础上,剖析了农民科技素质低下带来的影响和产生原因,进而提出了培育农民科技素质的对策建议。

我国校园足球与青训体系的有机衔接

当前校园足球红红火火,青训体系反而更加尴尬,两者之间如何定位、如何衔接成为争论的热点。从四个方面提出重新建构思路:共识,校园足球是大局,青训体系是小局。教育部门为主导重新布局;胆识,韬光养晦做实校园足球,借鉴国外经验莫入误区,彻底扭转普及与提高异化关系;谋略,从理顺体制关系破局,从有机衔接入局,从政府主导和社会共建整体布局;抓手,以校园足球精英训练营为枢纽,重新定位足协功能,完善部际联席会议制度。