Bibliographic record
Abstract
针对村镇银行的发展问题,通过引入私法关系型借贷的理论概念,论证了软信息的作用、村镇银行搜集软信息的渠道以及在中国农村社区重情轻理的人文环境下村镇银行的私法关系型借贷机制。并根据核心竞争优势的识别标准,从理论上推导出村镇银行的核心竞争优势是私法关系型借贷：首先,村镇银行这类中小型社区银行开展私法关系型借贷具有比较优势;其次,村镇银行基于软信息的私法关系型借贷业务更受中小客户青睐;最后,村镇银行的私法关系型借贷实现了范围经济。进而剖析了村镇银行没有发挥出核心竞争优势的原因：一是村镇银行自身未能发现其核心竞争优势是私法关系型借贷;二是村镇银行建立私法关系型借贷的内在动力不足;三是村镇银行发展私法关系型借贷业务的准备不足。并提出了相应的政策建议：转变理念,积极发展私法关系型借贷;加强培训,提高从业人员的专业素质;强化监管,防止从业人员的违规行为;借鉴经验,完善村镇银行私法关系型借贷机制。
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.004 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.002 | 0.002 |
| Science and technology studies | 0.002 | 0.008 |
| Scholarly communication | 0.005 | 0.008 |
| Open science | 0.001 | 0.004 |
| Research integrity | 0.001 | 0.001 |
| Insufficient payload (model declined to judge) | 0.009 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".