新疆生产建设兵团第十三师天然草地资源现状及其利用探讨

新疆生产建设兵团第十三师位于在新疆东部哈密市,辖区有8个团场。十三师草场面积占兵团草场面积的15.7%,是兵团草场面积最大的师。十三师草原生态十分脆弱,主要以荒漠、半荒漠草场为主。除了部分与地方乡镇接壤草场以外,草场承包确权工作基本完成。由于超载放牧、基础设施落后、防灾减灾能力弱等原因,导致天然草场退化、沙化,有毒、有害植物增加,产草量和草质量明显下降,影响牧民收入。超载放牧是草场退化的根本原因,本文围绕这个主题,对草场面临的困难和难题进行分析,并提出了建设性的建议。通过异地搬迁、办理贷款及改善牧民生产生活等措施,减少天然草原载畜量,减轻夏草场放牧强度,逐步达到草畜平衡的目标,为十三师畜牧业可持续健康发展提供理论基础。     

Complex Issues Affecting Student Pharmacist Debt

It is time for colleges and schools of pharmacy to examine and confront the rising costs of pharmacy education and the increasing student loan debt borne by graduates. These phenomena likely result from a variety of complex factors. The academy should begin addressing these issues before pharmacy education becomes cost-prohibitive for future generations. This paper discusses some of the more salient drivers of cost and student debt load and offers suggestions that may help alleviate some of the financial pressures.     

网络环境下提高外文期刊文献保障能力的实践与体会

 

以广州中医药大学图书馆为例，分析总结了网络环境下提高外文期刊文献保障能力的经验：购买引进电子期刊、开发网络免费电子期刊资源、通过馆际互借与文献传递、建立高校协作组、开展国际期刊交流等。

     

安徽省公共卫生日贷项目会计核算的探讨

鉴于公共卫生日贷项目本身没有制定相关的会计核算办法，不同的项目实施单位在会计核算中就各有不同。如某些会计科目的设置、运用，本金的分摊，利息、费用的分割，会计分录的处理等，从省项目办会计代账角度进行初步探讨，以期为日贷项目单位外币核算提供某些借鉴思路。     

南宁市邕宁区世行贷款／英国赠款结核病控制项目效果评价

目的对世行贷款,英国赠款结核病控制项目的实施效果进行评价。方法根据项目实施期间的项目执行情况及资料、报表进行汇总分析。结果项目实施以来,共接诊可疑肺结核病症状者8765例,发现活动性肺结核4369例,传染性肺结核1831例,涂阳肺结核病人登记率由2002年的14．58／10万上升到2009年的25．41／10万,共登记初治涂阳病人1715例,治愈率为86．2％;复治涂阳病人116例,复治涂阳比例逐年下降,复治涂阳治愈率达64．8％。项目各项指标均达到中国结核病防治规划要求。结论邕宁区世行贷款／英国赠款结核病控制项目取得满意效果。     

网络环境下提高外文期刊文献保障能力的实践与体会

以广州中医药大学图书馆为例，分析总结了网络环境下提高外文期刊文献保障能力的经验：购买引进电子期刊、开发网络免费电子期刊资源、通过馆际互借与文献传递、建立高校协作组、开展国际期刊交流等。     

高校“五位一体”助学措施的研究与完善

"五位一体"助学是为了帮助家庭经济有困难的学生完成学业而采取的"奖、贷、补、免、勤"联动措施,高校自实施以来,取得了良好的效果。本文对"五位一体"的特点、意义等进行分析研究,提出了完善的具体措施与办法,以便为有关部门进行相关工作提供参考。     

Practice purchase and private employment options for the new graduate with student debt: A projected scenario analysis for loan repayment

BackgroundWhen attracting talent to dentistry, graduates need educational costs justified by future financial outcomes. The authors provide insights into how career choices (employee versus practice owner) and student loan repayment plans (principal-based versus income-driven) can be made to work.MethodsFive loan repayment and career choice combinations were assessed using spreadsheets (Microsoft Excel) to rationally model monthly budgets and financial decisions during a projected 40-year work life.ResultsEven with high levels of student loan debt ($292,169 average for new graduates), it is still possible, but increasingly difficult, to achieve desirable career, lifestyle, and financial outcomes. Outcomes are highly sensitive to rates of investment returns and inflation. On the basis of the 5 scenarios of projections of debt and income levels to 2060, assuming reasonable levels of investment return and stable inflation, career and repayment choices can make a difference of more than $5 million in lifetime earnings and more than $3 million in retirement savings (2020 dollars).ConclusionsThe new reality of high educational debt requires graduates to budget and plan before beginning their careers. Use of loan servicers, consultants, brokers, attorneys, certified public accountants, and financial advisors is needed. Working for a dental service organization is a valid option for developing dental and practice management skills. Owning a practice is still a viable career path.Practical ImplicationsDental graduates should choose a student loan repayment that minimizes the size of monthly payments, balance budgets, practice frugality, obtain a practice purchase loan at lowest rates, and heed financial advisors.     

贷款学生的心理分析及对策

目的探讨贷款学生的心理状况。方法应用症状自评量表对82例贷款学生心理状况进行调查分析。结果贷款学生在躯体化、人际关系、抑郁、焦虑、敌对性、恐怖因子分明显高于常模（P〈0．05）。结论贷款学生存在的心理问题较多，应进行心理干预。     

Optimal originator valuation and the global financial crisis

In this paper, we discuss subprime mortgage design in both a theoretical‐ and numerical‐quantitative framework. In particular, we model mortgages that are able to fully amortize, voluntarily prepay (involving prepayment and possibly refinancing), or default. In this regard, we find that mortgage refinancing is curtailed by high loan‐to‐value ratios because of house price depreciation, whereas low loan‐to‐value ratios increase mortgagor house equity. Furthermore, an optimal originator valuation problem under mortgage origination is solved. In this case, optimal mortgage value and rates as well as profit are computed. The paper supports the view that the subprime mortgage crisis was partially caused by the intricacy of design of subprime mortgages that led to information (asymmetry, contagion, inefficiency, and loss) problems, valuation opaqueness, and ineffective risk mitigation. Copyright © 2012 John Wiley & Sons, Ltd.