浅析按揭贷款房产档案管理

为有效实施国家房屋按揭贷款制度,使国之惠民用之于民,方法只有高度重视对个人住房按揭贷款的风险管理,建立健全按揭贷款房产档案,确保其完整安全,才能发挥按揭贷款房产档案的应有作用。     

房屋按揭纠纷若干法律问题浅析

房屋按揭自九十年代末以来在我国在沿海经济发达地区发展起来,进而向内地推进,逐步变成了我国房地产业融资发展的一条重要渠道。目前,我国绝大多城市银行相继开展了商品房按揭业务,但在我国目前任何一个全国性适用的规范性法律文件中均没有出现"按揭"这两个字,导致了在解决按揭纠纷时法律适用的复杂化。     

期房按揭情形下商品房买卖合同解除的问题研究

期房按揭情形下的商品房买卖合同的解除,既包含在一般合同解除的法律范畴内,同时,又因其涉及的法律关系比较多样、复杂,具有其特殊性.期房按揭情形下商品房买卖合同的解除还牵涉到关联合同的处理,以及解除后标的物的处置、损失承担、税费承担等问题.本文将对相关问题进行深入剖析.     

汶川地震遗产的再审视

汶川特大地震后,当地建起了一批与汶川地震有关的博物馆、遗址公园与纪念物。"地震"这一自然现象通过人类活动的参与与构建,经过"遗产化"的过程,形成了"地震遗产"。地震遗产的提出既是对这场灾难的纪念,亦成为了灾区焕发经济活力的动力之一。"地震"的"遗产化"能够通过一系列阐释与呈现达到纪念追忆、创伤治愈、教育警示与旅游观光功能,这些功能使得地震遗产的负面影响逐渐消弭,达到积极向上的正面意义。     

闹地震

我的老家崇州因为紧邻汶川,2008年成了地震的重灾区。这让我又想起了儿童时代经历的那场大地震。     

我在海城地震时采访

1975年2月4日19时36分,辽宁省南部海城、营口一带发生了7．3级强烈地震。此时正是十年浩劫的后期,新闻更被严密控制,社会公众是难以了解灾情、灾区真实情况的。2月5日,即地震发生的第二天,新华社才播发了一条发生地震的简讯。3月12日,播发了《国务院通报表扬辽宁省南部地区地震预测预防有功单位》的消息,同时还播发了我和辽宁分社几名记者共同采写的《辽南地震灾区人民泰山压顶不弯腰、重灾面前不低头》的新闻稿。     

中国的地震预警史

汶川8级地震,震动世界。这场在无预警状况下发生的浩劫,引起公众质疑：汶川地震为什么未能预报？汶川地震为什么没有预防？     

古人笔下的地震

中国自古以来就是地震多发地区,早在战国时期成书的《竹书纪年》,即记载了我国3800多年前的一次地震:\"夏帝发七年(公元前1831年)泰山震。\"这也是世界上最早的地震记录。有资料表明,迄今,在我们脚下的这块土地上,大大小小的地震已经有上万次了。记载这个惊心动魄时刻的史料浩如烟海,其中有一部由文人雅士根据亲身经历撰写的《地震     

地震预测 难难难

全世界的地震预报水平及地震其他研究水平都一样低中国是否进入地震频发期?此次四川强震是否有前兆?科学家为何没有预测出来?地震研究为什么总是滞后?中国的抗震减灾机制存有什么问题?本刊就此专访中国地震局地球物理研究所名誉所长陈运泰院士、中国地震局地质研究所构造物理与构造地质学家马瑾院士及中国地震局前副局长何永年研究员。     

地震与日本文化

作者亲历日本大地震,从日本人在灾难中冷静、克制、守序等表现,探讨日本人由于自然环境和历史形成的诸多特点。如喜欢樱花刹那之美的无常思想、阴翳之美与老庄思想、对待自然的态度、武士道、日本的古典文化与中国的关系等等,从许多细微之处分析日本文化的方方面面。     

Social Polarization and the Politics of Low Income Mortgage Lending in the United States

ABSTRACT The structured inequalities of capital investment and disinvestment are prominent themes in critical urban and regional research, but many accounts portray ‘capital’ as a global, faceless and placeless abstraction operating according to a hidden, unitary logic. Sweeping political‐economic shifts in the last generation demonstrate that capital may shape urban and regional processes in many different ways, and each of these manifestations creates distinct constraints and opportunities. In this paper, we analyze a new institutional configuration in the USA that is reshaping access to wealth among the poor – a policy ‘consensus’ to expand home‐ownership among long‐excluded populations. This shift has opened access to some low‐ and moderate‐income households, and racial and ethnic minorities, but the necessary corollary is a greater polarization between those who are able to own and those who are not. We provide a critical analysis of these changes, drawing on national housing finance statistics as well as a multivariate analysis of differences between owners and renters in the 1990s in New York City. As home‐ownership strengthens its role as a privatized form of stealth urban and housing policy in the USA, its continued expansion drives a corresponding reconstruction of its value for different groups, and inscribes a sharper axis of property‐rights inequalities among owners and renters in the working classes.     

次贷危机中的日本金融经济动向

本文通过分析日本金融市场短期利率、长期利率、股票指数、日元汇率指标的变动,来评估次贷危机对日本金融市场和金融体系产生的影响。文章认为次贷危机使日本丧失了一个难得的金融政策正常化以及走向长期经济增长的机会,日本金融指标变动与美欧的同步化使得日本难以独善其身,而高企的日元汇率随时有反转的可能。     

New Indices for the Existing City-Centers Streets Network Reliability and Availability Assessment in Earthquake Emergency

During earthquake emergencies in existing city-centers, streets network permits inhabitants to reach safe areas, and rescuers to access damaged zones and help population. However, the network can suffer from blocks due to debris of collapsed or heavily damaged buildings. Understanding urban fabric modifications and classifying elements vulnerability are fundamental steps while dealing with risk-assessment and risk-reduction strategies. This article offers a first quick approach for assessing seismic vulnerability of paths network by considering interferences with building heritage damages. Quick data about existing urban fabric (e.g., buildings typology; streets and buildings geometries) are combined for developing new vulnerability indices for streets network. The earthquake macroseismic intensity is introduced for evaluating probable street blockages and summarizing the overall rating of risks in critical network locations, thus intensity that is not included in other current quick methods for streets-building interference is here taken into account. Risk-reduction strategies based on the proposed indices could minimize the interventions on architectural heritage, maximizing the safety of evacuees. These new indices could be combined with traditional assessment of buildings vulnerability, and evaluations on pedestrians’ and vehicles evacuation flows, for evaluating management strategies.     

论假借和假借义

一般研究认为,古代汉语词义可分为本义、引申义、假借义和比喻义四类。本文运用现代语言学的观点对假借进行研究,认为假借是古代汉语特有的现象,假借属于文字现象,不属于词汇现象,所谓的假借义,实际上是文献典籍中语词的意义。     

Decision-Making on Roll Call Votes in the House of Representatives

This article explores notions of contextual decision-making in congressional floor voting, based on structured interviews with 80 House Members. The research documents that congressmen make up their minds in different ways on different kinds of votes. Decision-making was found to be variegated; the major distinction is between high and low profile votes. The article also offers an optimistic assessment of the potential for constituency/representative linkages in House voting.     

晚明商人借贷的利息率与商业性借贷的发展

商人借贷利息率的高低对商业性借贷的发展有直接的影响。晚明商人借贷的利息率总体上以低于年息36％为多,这一利率既大大低于消费性借贷的利息率,又低于市场平均利息率,一般均在法定利息率的范围之内。虽然商人借贷的利息率相对较低,但在风险机制的作用下,放贷者向商人放贷的积极性不会受到减损。又由于利率较低,商人借贷通常有利可图,因而商业性借贷能够得到发展。     

“世家”解

“世家”——世世永祭之庙。西周以来,礼制规定诸侯五庙——始祖庙、高祖庙、曾祖庙、祖庙、父庙。后四者为亲庙,前一庙为始庙。亲庙每世一迁,四世之后即行毁轶,不再祭祀;而始庙则世世永祭,因此得称“世家”。孔子受世世祭祀、陈涉被明令置守冢三十家,因此他们均享有世世永祭之庙,他们都被列入了“世家”。     

旅行社责任保险初探

以旅行社责任保险为主体的责任保险新近实施,其与旅游意外保险在性质、特点上存在很大差别。本阐述旅行社责任保险的内容和意义。     

从民间契约看古巴比伦时期的借贷利率——兼论《汉穆腊比法典》中借贷利率的非现实性

古巴比伦是一个商业较发达的社会,存在着较多的动产借贷行为。大量民间借贷契约显示,古巴比伦时期存在着多种多样、复杂多变的借贷利率。这些借贷利率大多与《汉穆腊比法典》中规定的借贷利率不一致,法典中所规定的借贷利率并不能反映当时借贷活动的实际。古巴比伦时期不存在一个统一的借贷利率,而是多种借贷利率共同使用。在研究古巴比伦时期借贷活动时,不能盲从《汉穆腊比法典》的条文规定,而要结合更多的民间借贷契约进行综合研究,这样才能够更加准确地、更加深入地还原历史、认识历史。