With the implementation of China’s innovation-driven development strategy,the competition among sci-tech talents has become increasingly fierce.Stimulating the innovative vigor of sci-tech talents has become a hot to...With the implementation of China’s innovation-driven development strategy,the competition among sci-tech talents has become increasingly fierce.Stimulating the innovative vigor of sci-tech talents has become a hot topic in theoretical research and policy practice.Based on the data from 246 questionnaires collected from sci-tech talents in Hebei province,this study explored the influence mechanism of an inclusive organizational climate on innovation input from technological talents and verified the mediating effects of innovation self-efficacy and intrinsic motivation.The results indicate that an inclusive organizational climate has a significant positive impact on innovation input,innovation self-efficacy,and intrinsic motivation of sci-tech talents.Both innovation self-efficacy and intrinsic motivation play a partial mediating role between an inclusive climate and innovation input.This study verified the important role of an inclusive climate in an organization’s human resource management practices and encouraged managers to emphasize enhancing the innovation self-efficacy and intrinsic motivation of sci-tech talents,thereby continuously improving the level of innovation.展开更多
With the support of the Belgian FPS Economy,SBS and CEN-CENELEC are co-organizing the workshop,under the High-Level Forum on European standardization(HLF)and its workstream on inclusiveness in national standardization...With the support of the Belgian FPS Economy,SBS and CEN-CENELEC are co-organizing the workshop,under the High-Level Forum on European standardization(HLF)and its workstream on inclusiveness in national standardization,to tackle issues of access and participation in standardization at the national level and discuss and promote best practices.展开更多
This paper reveals that the implementation of inclusive education is an unfinished challenge,both within the system and for individual self-improvement.This process of changing practices,by continually questioning the...This paper reveals that the implementation of inclusive education is an unfinished challenge,both within the system and for individual self-improvement.This process of changing practices,by continually questioning the school’s responsibility for the(re)production of inequalities,exclusion,and unequal social relations,is riddled with obstacles,unpredictable situations,and strong emotions.In particular,the researchers point out that many systemic mechanisms of school culture contribute to replicating and reifying hierarchical school experiences and exacerbating processes of institutional discrimination against immigrant backgrounds and/or racialized students.The empirical research presented also highlights the school staff’s deficit thinking toward immigrant students and their parents.The results show that staff tend to use linguistic and cultural gaps between students and the school system to explain academic failure.Be that as it may,the researchers as well as the school actors and students interviewed in this paper suggest multiple ways to improve inclusion in the school context,stressing the importance of giving voice to the various actors in order to move toward institutional transformation.展开更多
Inclusive education is the transformation of the system,it highlights difference and diversity,to strengthen the development of skills,under the premise of respect for difference and diversity(Barton L,(2013).Today,ed...Inclusive education is the transformation of the system,it highlights difference and diversity,to strengthen the development of skills,under the premise of respect for difference and diversity(Barton L,(2013).Today,educational inclusion is carries out and attends to the educational needs of students individually,where the actors of the educational process contribute to learning while respecting the differences and diversity of each individual,by fulfilling the transforming and integrating role that improves skills and breaks with barriers to learning.Contemporary education has taken on the challenge of promoting different programs aimed at promoting inclusive teaching-learning processes that facilitate attention to diversity.It is evident that the integration of students with special needs in regular educational centers has caused significant changes in the curriculum,infrastructure,and training among teachers.In the last 10 years,educational inclusion has made significant progress,but much remains to be done to expand inclusive spaces.展开更多
In the European Union(EU),the revised Payment Services Directive(PSD2)aims to provide more convenient and customized financial products through open banking(OB)platforms.However,little attention has been paid to the r...In the European Union(EU),the revised Payment Services Directive(PSD2)aims to provide more convenient and customized financial products through open banking(OB)platforms.However,little attention has been paid to the role of OB in improving the financial well-being of the growing number of the EU’s underserved groups,which currently constitute approximately a quarter of its population.This study examines how the PSD2 and OB impact inclusive finance in the EU based on the perspectives of the Netherlands’ecosystem,one of the leaders in the EU’s financial technology(FinTech)landscape.A fundamental distinction can be drawn between the OB users and the ecosystem’s players.Regarding the impact of financial services on the users’inclusivity,while the PSD2 strengthens the infrastructure necessary for financial inclusion,many challenges remain,mainly because it was not designed for this purpose.This study identifies several areas of improvement that include adjustments to the know your customer and anti-money laundering processes for underserved customers,innovative ways to communicate the PSD2’s potential,and the regulation of technology providers’activities to build trust.Meanwhile,from the ecosystem’s position,there is a need to strengthen and improve microfinance regulation according to the opportunities provided by the PSD2 to support microfinance institutions(MFIs)in scaling up and reaching underserved clients across borders with innovative services.OB improvements can also be achieved by organizations formed by MFIs and FinTechs in collaboration with banks.Such hybrid institutions will combine the best features of each of them:knowledge of the needs of local underserved clients from MFIs,technological innovations from FinTechs,and large and trusted customer bases,infrastructures,and access to institutional investments and governments from banks.Finally,an EU inclusive OB sector depends on the centrality of trusted regulators as coordination bodies.The PSD2 requires adjustments for underserved populations’specific needs.OB improvements can be achieved by organizations formed by MFIs and Fin-Techs in collaboration with banks.Regulated technical service providers(TSPs)are crucial to building trust and customer adoption in OB.The European Banking Authority(EBA)may function as coordination body to design inclusive rules by engaging with OB stakeholders.As inclusive finance moves into open-finance and data eras,an increasing regulatory complexity and scope will require networks of innovative and trusted regulators.展开更多
According to the Report to the 20^(th) CPC National Congress,delivering common prosperity for all the people is an intrinsic requirement of Chinese modernization.Based on China Household Finance Survey(CHFS)data from ...According to the Report to the 20^(th) CPC National Congress,delivering common prosperity for all the people is an intrinsic requirement of Chinese modernization.Based on China Household Finance Survey(CHFS)data from 2015 to 2019,this study examines the effects of inclusive finance on China’s household income disparities and demonstrates how inclusive finance contributes to shared prosperity.Our empirical research reveals that inclusive finance has significantly decreased the income disparities between Chinese households.Inclusive finance has significantly increased the income levels of households below the 40^(th) percentile,making it more likely for them to move above the 40^(th) percentile of incomes,which is conducive to delivering common prosperity.Our analysis indicates that inclusive finance will reduce income disparities by assisting low-income households in starting a business and by promoting rural household employment.Reflecting its inclusive nature,further investigation reveals that inclusive finance has a greater positive impact on the income level of vulnerable households.Our research offers new evidence for comprehending the role of inclusive finance and a new interpretation of income disparities,with policy implications for accelerating Chinese modernization.展开更多
By studying high-quality development process of Henan agriculture and rural areas empowered by digital inclusive finance,it is found that the construction of digital financial infrastructure in Henan Province is relat...By studying high-quality development process of Henan agriculture and rural areas empowered by digital inclusive finance,it is found that the construction of digital financial infrastructure in Henan Province is relatively complete,and the level of deposit and loan of rural enterprises and farmers is constantly improving,and the market and government are constantly upgrading the financial risk insurance compensation mechanism.At the same time,there are also problems such as insufficient demand and supply of digital finance,single digital financial products,and weak market supervision.Based on this,some implementation paths are proposed,such as continuing to strengthen the construction of rural financial infrastructure in Henan Province,improving farmers’financial literacy,and enriching digital financial products and services.The government should continue to improve the construction of market system,and broaden the market supervision and management,to actively promote the digitalization of agricultural finance to enable the high-quality development of agriculture and rural areas in Henan Province.展开更多
In China,the integration of digital technology and finance has gradually formed a digital supply mode of inclusive finance,which alleviates the financing limitations of small and medium-sized businesses to a certain e...In China,the integration of digital technology and finance has gradually formed a digital supply mode of inclusive finance,which alleviates the financing limitations of small and medium-sized businesses to a certain extent and is significant for enterprise innovation activities that need financial support.Under the National Innovation-driven Development Strategy,it is particularly meaningful to evaluate whether digital inclusive finance can foster company innovation.This article empirically evaluates the impact of digital inclusive finance on firm innovation and development using data from all listed companies on the Shanghai Stock Exchange and Shenzhen Stock Exchange from 2011 to 2018 together with the city level digital inclusive finance index.The result shows how digital inclusive financing may support businesses’innovative processes,and its role in promoting innovation differs among enterprises of different scales,but such heterogeneity effect can be absorbed by industry effect and time effect.The result of this paper sheds lights on the role of digital inclusive finance in improving enterprise performance by solving the financing dilemma of them,and according to the empirical results,this paper suggests that the support for digital inclusive finance should be further improved in order to promote the good and healthy development of the real economy,which refers to the part of a country’s economy that produces goods and services,rather than the part that consists of financial services such as banks and stock markets.展开更多
City centres in today’s big cities,particularly in metropolises and megalopolises,play a crucial role in revival of human scale in an urban context.Nowadays,a city centre that corresponds to needs of various groups o...City centres in today’s big cities,particularly in metropolises and megalopolises,play a crucial role in revival of human scale in an urban context.Nowadays,a city centre that corresponds to needs of various groups of users,contributes to creating a safe,healthy,vibrant,inclusive and sustainable city.Accordingly,identification of the major and minor groups of users of city centres as well as their likes,dislikes and preferences is a primary step.To this end,this paper investigates the city centre of Tehran and a recently pedestrianised street called 30-E-Tir.With a focus on the three indicators of age,gender and speed,this paper aims to elucidate the existing divergent groups of users of 30-E-Tir and their physical,mental,and spiritual expectations of this street.This 1.3-km street-as a linear path incorporating food&junk food kiosks and the associated small-scale canopies,and flagstone floorscaping-passes through many famous museums of Tehran.These specific features have converted 30-E-Tir Street into a convivial destination point for Tehranians.The existing problems,however,necessitate a detailed investigation of the current situation.The applied methodology for this qualitative-quantitative analysis of the present condition includes the literature review and the related analysis,direct appraisal,photography,and dot-based analysis.展开更多
Independent living and freedom of choice are closely linked to the social inclusion of PwD(Persons with Disabilities)in society.The paper reports on a recent study focused on investigating and understanding the needs ...Independent living and freedom of choice are closely linked to the social inclusion of PwD(Persons with Disabilities)in society.The paper reports on a recent study focused on investigating and understanding the needs and desires of persons with intellectual disabilities,with reduced mobility and with visual impairments while performing daily activities in order to design user-friendly and inclusive home environments for their life project.The case study concerns an apartment on the ground floor of a building well embedded in a neighborhood urban and social context.It was selected by Anffas Trentino Onlus to train young adults in independent living.Anffas is the National Association of Families of People Intellectual and/or Relational Disabilities,present and operating throughout Italy.Since 2008,important projects have been promoted by Anffas Trentino Onlus aimed at stimulating a personal and housing autonomy in PwD for“during and after us”,or rather when there are no more family members to take care of them.The design process involved a representative focus group of end users.With them and some Anffas staff components,it was possible to implement a participatory design process by sharing and verifying needs,desires,expectations.This approach was adopted in order to jointly develop a design proposal for a new inclusive apartment changing the paradigm from design for to design with,and building awareness both in the end users and designers.展开更多
Contemporary education has taken on the challenge of promoting different programs aimed at promoting inclusive teaching-learning processes that facilitate attention to diversity.It is evident that the integration of s...Contemporary education has taken on the challenge of promoting different programs aimed at promoting inclusive teaching-learning processes that facilitate attention to diversity.It is evident that the integration of students with special needs in regular educational centers has caused significant changes in the curriculum,infrastructure,and training among teachers.In the last 10 years,educational inclusion has made significant progress,but much remains to be done to expand inclusive spaces.展开更多
Contemporary education has taken on the challenge of promoting different programs aimed at promoting inclusive teaching-learning processes that facilitate attention to diversity.It is evident that the integration of t...Contemporary education has taken on the challenge of promoting different programs aimed at promoting inclusive teaching-learning processes that facilitate attention to diversity.It is evident that the integration of the students with special needs in the regular educational centers has originated significant changes in the curriculum,infrastructure,and formation between the teachers.In the last 10 years,educational inclusion has made significant progress,but much remains to be done to expand inclusive spaces.展开更多
Inclusive culture is a dynamic pattern of cultural integration and innovative development formed in the interactions between man and nature, man and society, and man and others. Chinese culture is among the sources of...Inclusive culture is a dynamic pattern of cultural integration and innovative development formed in the interactions between man and nature, man and society, and man and others. Chinese culture is among the sources of inclusive culture. Being inheritable, open, assimilative, innovative and self–driven, this inclusive culture significantly contributes to China's ideological evolution, ethnic integration, religious development, economic openness, literature and art prosperity, as well as political wisdom in building a community with a shared future for mankind. Inclusiveness is key to the lasting and sustainable development of traditional Chinese culture. During China's construction of a great modern socialist country, the CPC's leadership over cultural innovation and development must be strengthened; a strong cultural confidence must always be maintained; the prosperity of socialist culture with Chinese characteristics must be further enhanced; the sustainable and integrated development of socialist culture with Chinese characteristics must be promoted; people's need for an enriched cultural life must be satisfied; and more efforts must be made to build a community with a shared future for mankind. Only in this way can the light of China's inclusive culture illuminate the future of globalization.展开更多
Following the recommendations of a report submitted by the Central Social Insurance Medical Council concerning the 2002 revision of the Medical Service Fee Schedule, a new inclu-sive payment system, which is based on ...Following the recommendations of a report submitted by the Central Social Insurance Medical Council concerning the 2002 revision of the Medical Service Fee Schedule, a new inclu-sive payment system, which is based on the Diagnosis Procedure Combination (DPC) sys-tem, was introduced in 82 special functioning hospitals in Japan, effective beginning in April 2003. Since April 2004, the system has been gradually extended to general hospitals that satisfy certain prerequisites. In this paper, the new inclusive payment system is analyzed. Data pertaining to 1,225 patients, who were hospital-ized for cataract diseases and underwent lens operations from July 2004 to September 2005, are used. The lengths of hospital stay and medical payments among hospitals are com-pared. Even after eliminating the influence of patient characteristics, there are large differ-ences among hospitals in average lengths of hospital stay and DPC-based inclusive pay-ments. The highest average inclusive payment is 3.5 times as high as the lowest payment. On the other hand, there are relatively small differ-ences in non-inclusive payments based on the conventional fee-for-service system—the larg-est deviation from the average of all hospitals is approximately 10%. Thus, although payments based on the DPC account for only one-third of the total medical payments for this disease, the major differences in medical payments among hospitals are caused by differences in their DPC-based inclusive payments. The results of the study strongly suggest that revisions of the payment system in Japan are necessary for the efficient use of medical resources in the future.展开更多
The contradiction between profitability requirement of commercial finance and non-profitability nature of inclusive finance inhibits bankers' motivation in providing financial services to farmers,further restricti...The contradiction between profitability requirement of commercial finance and non-profitability nature of inclusive finance inhibits bankers' motivation in providing financial services to farmers,further restricting the already narrow financing channels for low-income rural households and preventing them from jumping out of the poverty trap.There is a mutual promotion relationship between inclusive finance and poverty reduction.On one hand,providing affordable and subsidized financial services to farmers can help them increase income steadily; On the other hand,the institutions reap a good payoff by business expansion,a thick base of loyal clients,as well as public recognition,which in turn stimulates the institutes to provide more financial products,improve their service quality and scale up the investment amount for lowincome farmers.Nevertheless,to set off this positive feedback loop process,a forcible intervention by government is needed.On the base of theoretical analysis and practical research,this article brought related advice for financial institutions in order to promote the development of inclusive finance and alleviate the financing difficulties of farmers households to realize poverty alleviation.展开更多
Inclusive finance is a core concept of finance that makes various financial products and services accessible and affordable to all individuals and businesses,especially those excluded from the formal financial system....Inclusive finance is a core concept of finance that makes various financial products and services accessible and affordable to all individuals and businesses,especially those excluded from the formal financial system.One of the leading forces affecting people’s ability to access financial services in rural areas is financial literacy.This study investigated the impacts of financial knowledge on financial access through banking,microfinance,and fintech access using the Bangladesh rural population data.We employed three econometrics models:logistic regression,probit regression,and complementary log–log regression to examine whether financial literacy significantly affects removing the barriers that prevent people from participating and using financial services to improve their lives.The empirical findings showed that knowledge regarding various financial services factors had significant impacts on getting financial access.Some variables such as profession,income level,knowledge regarding depositing and withdrawing money,and knowledge regarding interest rate highly affected the overall access to finance.The study’s results provide valuable recommendations for the policymaker to improve financial inclusion in the developing country context.A comprehensive and long-term education program should be delivered broadly to the rural population to make a big stride in financial inclusion,a key driver of poverty reduction and prosperity boosting.展开更多
Based on the panel data of 30 provinces, municipalities, and autonomous regions in China from 2011 to 2018, this paper uses the digital inclusive financial index and industrial structure upgrading coefficient of the I...Based on the panel data of 30 provinces, municipalities, and autonomous regions in China from 2011 to 2018, this paper uses the digital inclusive financial index and industrial structure upgrading coefficient of the Internet Research Center of Peking University as the core explanatory and explained variables to construct a spatial panel. Bin model performs </span><span style="font-family:Verdana;">regression</span><span style="font-family:Verdana;"> analysis on the effect of digital inclusive finance in the upgrading of industrial structure. The results prove that the development of digital inclusive finance in this province and city has significantly promoted the upgrading of the regional industrial structure, and it has a positive overall effect on the upgrading of industrial structure.展开更多
Based on two dimensions of supply and demand,we use six indicators to establish a rural inclusive financial development index and evaluate the development of China's rural inclusive finance. We use spatial panel d...Based on two dimensions of supply and demand,we use six indicators to establish a rural inclusive financial development index and evaluate the development of China's rural inclusive finance. We use spatial panel data model to examine the relationship between financial inclusion and rural poverty. Results show that:( i) both the rural inclusive finance and rural residents' per capita consumption present spatial clustering feature and show significant spatial correlation;( ii) the development of rural inclusive finance has significant spatial effect on poverty alleviation along time and space dimensions. In this study,the paper puts forward policy recommendations on strengthening the rural financial resources flow and constructing diversified rural inclusive financial system.展开更多
基金This paper is funded by Humanities and Social Sciences Research Project of the Ministry of Education:The Research on the Influence Mechanism of Chinese Enterprise Employees’Participation on Adaptive Performance—An Explanation Based on the JDR Theory and Self-Consistency Theory(19YJC630226)Soft Science Project of Hebei Provincial Department of Science and Technology:The Research on the Incentive Mechanism for Innovation of Sci-Tech Talents in Hebei Province from the Perspective of AMO Theory(225576109D)Humanities and Social Sciences Foundation of Hebei Normal University:The Research on the Influence Mechanism of Enterprise Employees’Participation on Growth Performance in the Context of Technological Change(S20GD009).
文摘With the implementation of China’s innovation-driven development strategy,the competition among sci-tech talents has become increasingly fierce.Stimulating the innovative vigor of sci-tech talents has become a hot topic in theoretical research and policy practice.Based on the data from 246 questionnaires collected from sci-tech talents in Hebei province,this study explored the influence mechanism of an inclusive organizational climate on innovation input from technological talents and verified the mediating effects of innovation self-efficacy and intrinsic motivation.The results indicate that an inclusive organizational climate has a significant positive impact on innovation input,innovation self-efficacy,and intrinsic motivation of sci-tech talents.Both innovation self-efficacy and intrinsic motivation play a partial mediating role between an inclusive climate and innovation input.This study verified the important role of an inclusive climate in an organization’s human resource management practices and encouraged managers to emphasize enhancing the innovation self-efficacy and intrinsic motivation of sci-tech talents,thereby continuously improving the level of innovation.
文摘With the support of the Belgian FPS Economy,SBS and CEN-CENELEC are co-organizing the workshop,under the High-Level Forum on European standardization(HLF)and its workstream on inclusiveness in national standardization,to tackle issues of access and participation in standardization at the national level and discuss and promote best practices.
文摘This paper reveals that the implementation of inclusive education is an unfinished challenge,both within the system and for individual self-improvement.This process of changing practices,by continually questioning the school’s responsibility for the(re)production of inequalities,exclusion,and unequal social relations,is riddled with obstacles,unpredictable situations,and strong emotions.In particular,the researchers point out that many systemic mechanisms of school culture contribute to replicating and reifying hierarchical school experiences and exacerbating processes of institutional discrimination against immigrant backgrounds and/or racialized students.The empirical research presented also highlights the school staff’s deficit thinking toward immigrant students and their parents.The results show that staff tend to use linguistic and cultural gaps between students and the school system to explain academic failure.Be that as it may,the researchers as well as the school actors and students interviewed in this paper suggest multiple ways to improve inclusion in the school context,stressing the importance of giving voice to the various actors in order to move toward institutional transformation.
文摘Inclusive education is the transformation of the system,it highlights difference and diversity,to strengthen the development of skills,under the premise of respect for difference and diversity(Barton L,(2013).Today,educational inclusion is carries out and attends to the educational needs of students individually,where the actors of the educational process contribute to learning while respecting the differences and diversity of each individual,by fulfilling the transforming and integrating role that improves skills and breaks with barriers to learning.Contemporary education has taken on the challenge of promoting different programs aimed at promoting inclusive teaching-learning processes that facilitate attention to diversity.It is evident that the integration of students with special needs in regular educational centers has caused significant changes in the curriculum,infrastructure,and training among teachers.In the last 10 years,educational inclusion has made significant progress,but much remains to be done to expand inclusive spaces.
基金Financial Inclusion through Digitalisation in Europe]research project.SFIDE is funded by The European Investment Bank Institute,EIBURS research grant(2020-22)on the theme“Building the future of inclusive finance:the role of FinTechs and digitalisation”.The funding body had no role in the design of the study,collection,analysis,and interpretation of data,as well as in writing or revising the manuscript.
文摘In the European Union(EU),the revised Payment Services Directive(PSD2)aims to provide more convenient and customized financial products through open banking(OB)platforms.However,little attention has been paid to the role of OB in improving the financial well-being of the growing number of the EU’s underserved groups,which currently constitute approximately a quarter of its population.This study examines how the PSD2 and OB impact inclusive finance in the EU based on the perspectives of the Netherlands’ecosystem,one of the leaders in the EU’s financial technology(FinTech)landscape.A fundamental distinction can be drawn between the OB users and the ecosystem’s players.Regarding the impact of financial services on the users’inclusivity,while the PSD2 strengthens the infrastructure necessary for financial inclusion,many challenges remain,mainly because it was not designed for this purpose.This study identifies several areas of improvement that include adjustments to the know your customer and anti-money laundering processes for underserved customers,innovative ways to communicate the PSD2’s potential,and the regulation of technology providers’activities to build trust.Meanwhile,from the ecosystem’s position,there is a need to strengthen and improve microfinance regulation according to the opportunities provided by the PSD2 to support microfinance institutions(MFIs)in scaling up and reaching underserved clients across borders with innovative services.OB improvements can also be achieved by organizations formed by MFIs and FinTechs in collaboration with banks.Such hybrid institutions will combine the best features of each of them:knowledge of the needs of local underserved clients from MFIs,technological innovations from FinTechs,and large and trusted customer bases,infrastructures,and access to institutional investments and governments from banks.Finally,an EU inclusive OB sector depends on the centrality of trusted regulators as coordination bodies.The PSD2 requires adjustments for underserved populations’specific needs.OB improvements can be achieved by organizations formed by MFIs and Fin-Techs in collaboration with banks.Regulated technical service providers(TSPs)are crucial to building trust and customer adoption in OB.The European Banking Authority(EBA)may function as coordination body to design inclusive rules by engaging with OB stakeholders.As inclusive finance moves into open-finance and data eras,an increasing regulatory complexity and scope will require networks of innovative and trusted regulators.
基金sponsored by the Major Project of the National Social Sciences Fund of China(NSSFC)“Measurement,Causes and Spillovers of China’s Household Economic Risks”(21andZD087).
文摘According to the Report to the 20^(th) CPC National Congress,delivering common prosperity for all the people is an intrinsic requirement of Chinese modernization.Based on China Household Finance Survey(CHFS)data from 2015 to 2019,this study examines the effects of inclusive finance on China’s household income disparities and demonstrates how inclusive finance contributes to shared prosperity.Our empirical research reveals that inclusive finance has significantly decreased the income disparities between Chinese households.Inclusive finance has significantly increased the income levels of households below the 40^(th) percentile,making it more likely for them to move above the 40^(th) percentile of incomes,which is conducive to delivering common prosperity.Our analysis indicates that inclusive finance will reduce income disparities by assisting low-income households in starting a business and by promoting rural household employment.Reflecting its inclusive nature,further investigation reveals that inclusive finance has a greater positive impact on the income level of vulnerable households.Our research offers new evidence for comprehending the role of inclusive finance and a new interpretation of income disparities,with policy implications for accelerating Chinese modernization.
文摘By studying high-quality development process of Henan agriculture and rural areas empowered by digital inclusive finance,it is found that the construction of digital financial infrastructure in Henan Province is relatively complete,and the level of deposit and loan of rural enterprises and farmers is constantly improving,and the market and government are constantly upgrading the financial risk insurance compensation mechanism.At the same time,there are also problems such as insufficient demand and supply of digital finance,single digital financial products,and weak market supervision.Based on this,some implementation paths are proposed,such as continuing to strengthen the construction of rural financial infrastructure in Henan Province,improving farmers’financial literacy,and enriching digital financial products and services.The government should continue to improve the construction of market system,and broaden the market supervision and management,to actively promote the digitalization of agricultural finance to enable the high-quality development of agriculture and rural areas in Henan Province.
文摘In China,the integration of digital technology and finance has gradually formed a digital supply mode of inclusive finance,which alleviates the financing limitations of small and medium-sized businesses to a certain extent and is significant for enterprise innovation activities that need financial support.Under the National Innovation-driven Development Strategy,it is particularly meaningful to evaluate whether digital inclusive finance can foster company innovation.This article empirically evaluates the impact of digital inclusive finance on firm innovation and development using data from all listed companies on the Shanghai Stock Exchange and Shenzhen Stock Exchange from 2011 to 2018 together with the city level digital inclusive finance index.The result shows how digital inclusive financing may support businesses’innovative processes,and its role in promoting innovation differs among enterprises of different scales,but such heterogeneity effect can be absorbed by industry effect and time effect.The result of this paper sheds lights on the role of digital inclusive finance in improving enterprise performance by solving the financing dilemma of them,and according to the empirical results,this paper suggests that the support for digital inclusive finance should be further improved in order to promote the good and healthy development of the real economy,which refers to the part of a country’s economy that produces goods and services,rather than the part that consists of financial services such as banks and stock markets.
文摘City centres in today’s big cities,particularly in metropolises and megalopolises,play a crucial role in revival of human scale in an urban context.Nowadays,a city centre that corresponds to needs of various groups of users,contributes to creating a safe,healthy,vibrant,inclusive and sustainable city.Accordingly,identification of the major and minor groups of users of city centres as well as their likes,dislikes and preferences is a primary step.To this end,this paper investigates the city centre of Tehran and a recently pedestrianised street called 30-E-Tir.With a focus on the three indicators of age,gender and speed,this paper aims to elucidate the existing divergent groups of users of 30-E-Tir and their physical,mental,and spiritual expectations of this street.This 1.3-km street-as a linear path incorporating food&junk food kiosks and the associated small-scale canopies,and flagstone floorscaping-passes through many famous museums of Tehran.These specific features have converted 30-E-Tir Street into a convivial destination point for Tehranians.The existing problems,however,necessitate a detailed investigation of the current situation.The applied methodology for this qualitative-quantitative analysis of the present condition includes the literature review and the related analysis,direct appraisal,photography,and dot-based analysis.
文摘Independent living and freedom of choice are closely linked to the social inclusion of PwD(Persons with Disabilities)in society.The paper reports on a recent study focused on investigating and understanding the needs and desires of persons with intellectual disabilities,with reduced mobility and with visual impairments while performing daily activities in order to design user-friendly and inclusive home environments for their life project.The case study concerns an apartment on the ground floor of a building well embedded in a neighborhood urban and social context.It was selected by Anffas Trentino Onlus to train young adults in independent living.Anffas is the National Association of Families of People Intellectual and/or Relational Disabilities,present and operating throughout Italy.Since 2008,important projects have been promoted by Anffas Trentino Onlus aimed at stimulating a personal and housing autonomy in PwD for“during and after us”,or rather when there are no more family members to take care of them.The design process involved a representative focus group of end users.With them and some Anffas staff components,it was possible to implement a participatory design process by sharing and verifying needs,desires,expectations.This approach was adopted in order to jointly develop a design proposal for a new inclusive apartment changing the paradigm from design for to design with,and building awareness both in the end users and designers.
文摘Contemporary education has taken on the challenge of promoting different programs aimed at promoting inclusive teaching-learning processes that facilitate attention to diversity.It is evident that the integration of students with special needs in regular educational centers has caused significant changes in the curriculum,infrastructure,and training among teachers.In the last 10 years,educational inclusion has made significant progress,but much remains to be done to expand inclusive spaces.
文摘Contemporary education has taken on the challenge of promoting different programs aimed at promoting inclusive teaching-learning processes that facilitate attention to diversity.It is evident that the integration of the students with special needs in the regular educational centers has originated significant changes in the curriculum,infrastructure,and formation between the teachers.In the last 10 years,educational inclusion has made significant progress,but much remains to be done to expand inclusive spaces.
文摘Inclusive culture is a dynamic pattern of cultural integration and innovative development formed in the interactions between man and nature, man and society, and man and others. Chinese culture is among the sources of inclusive culture. Being inheritable, open, assimilative, innovative and self–driven, this inclusive culture significantly contributes to China's ideological evolution, ethnic integration, religious development, economic openness, literature and art prosperity, as well as political wisdom in building a community with a shared future for mankind. Inclusiveness is key to the lasting and sustainable development of traditional Chinese culture. During China's construction of a great modern socialist country, the CPC's leadership over cultural innovation and development must be strengthened; a strong cultural confidence must always be maintained; the prosperity of socialist culture with Chinese characteristics must be further enhanced; the sustainable and integrated development of socialist culture with Chinese characteristics must be promoted; people's need for an enriched cultural life must be satisfied; and more efforts must be made to build a community with a shared future for mankind. Only in this way can the light of China's inclusive culture illuminate the future of globalization.
文摘Following the recommendations of a report submitted by the Central Social Insurance Medical Council concerning the 2002 revision of the Medical Service Fee Schedule, a new inclu-sive payment system, which is based on the Diagnosis Procedure Combination (DPC) sys-tem, was introduced in 82 special functioning hospitals in Japan, effective beginning in April 2003. Since April 2004, the system has been gradually extended to general hospitals that satisfy certain prerequisites. In this paper, the new inclusive payment system is analyzed. Data pertaining to 1,225 patients, who were hospital-ized for cataract diseases and underwent lens operations from July 2004 to September 2005, are used. The lengths of hospital stay and medical payments among hospitals are com-pared. Even after eliminating the influence of patient characteristics, there are large differ-ences among hospitals in average lengths of hospital stay and DPC-based inclusive pay-ments. The highest average inclusive payment is 3.5 times as high as the lowest payment. On the other hand, there are relatively small differ-ences in non-inclusive payments based on the conventional fee-for-service system—the larg-est deviation from the average of all hospitals is approximately 10%. Thus, although payments based on the DPC account for only one-third of the total medical payments for this disease, the major differences in medical payments among hospitals are caused by differences in their DPC-based inclusive payments. The results of the study strongly suggest that revisions of the payment system in Japan are necessary for the efficient use of medical resources in the future.
文摘The contradiction between profitability requirement of commercial finance and non-profitability nature of inclusive finance inhibits bankers' motivation in providing financial services to farmers,further restricting the already narrow financing channels for low-income rural households and preventing them from jumping out of the poverty trap.There is a mutual promotion relationship between inclusive finance and poverty reduction.On one hand,providing affordable and subsidized financial services to farmers can help them increase income steadily; On the other hand,the institutions reap a good payoff by business expansion,a thick base of loyal clients,as well as public recognition,which in turn stimulates the institutes to provide more financial products,improve their service quality and scale up the investment amount for lowincome farmers.Nevertheless,to set off this positive feedback loop process,a forcible intervention by government is needed.On the base of theoretical analysis and practical research,this article brought related advice for financial institutions in order to promote the development of inclusive finance and alleviate the financing difficulties of farmers households to realize poverty alleviation.
文摘Inclusive finance is a core concept of finance that makes various financial products and services accessible and affordable to all individuals and businesses,especially those excluded from the formal financial system.One of the leading forces affecting people’s ability to access financial services in rural areas is financial literacy.This study investigated the impacts of financial knowledge on financial access through banking,microfinance,and fintech access using the Bangladesh rural population data.We employed three econometrics models:logistic regression,probit regression,and complementary log–log regression to examine whether financial literacy significantly affects removing the barriers that prevent people from participating and using financial services to improve their lives.The empirical findings showed that knowledge regarding various financial services factors had significant impacts on getting financial access.Some variables such as profession,income level,knowledge regarding depositing and withdrawing money,and knowledge regarding interest rate highly affected the overall access to finance.The study’s results provide valuable recommendations for the policymaker to improve financial inclusion in the developing country context.A comprehensive and long-term education program should be delivered broadly to the rural population to make a big stride in financial inclusion,a key driver of poverty reduction and prosperity boosting.
文摘Based on the panel data of 30 provinces, municipalities, and autonomous regions in China from 2011 to 2018, this paper uses the digital inclusive financial index and industrial structure upgrading coefficient of the Internet Research Center of Peking University as the core explanatory and explained variables to construct a spatial panel. Bin model performs </span><span style="font-family:Verdana;">regression</span><span style="font-family:Verdana;"> analysis on the effect of digital inclusive finance in the upgrading of industrial structure. The results prove that the development of digital inclusive finance in this province and city has significantly promoted the upgrading of the regional industrial structure, and it has a positive overall effect on the upgrading of industrial structure.
文摘Based on two dimensions of supply and demand,we use six indicators to establish a rural inclusive financial development index and evaluate the development of China's rural inclusive finance. We use spatial panel data model to examine the relationship between financial inclusion and rural poverty. Results show that:( i) both the rural inclusive finance and rural residents' per capita consumption present spatial clustering feature and show significant spatial correlation;( ii) the development of rural inclusive finance has significant spatial effect on poverty alleviation along time and space dimensions. In this study,the paper puts forward policy recommendations on strengthening the rural financial resources flow and constructing diversified rural inclusive financial system.
