Determinants of credit card debt: Differentiating between revolving credit debt and petty installment loan in China

This research explores the determinants of the probability of having credit debt, as well as the determinants of the severity of credit card debt. Credit card debt includes revolving credit debt and petty installment loan. The severity of credit card debt was measured by the duration of revolving credit debt and the amount of petty installment loans. Analysis of behavioral data from a Chinese commercial bank showed a significant difference between the determinants of the probability of having credit card debt and the determinants of the severity of credit card debt. Specifically, credit limit, gender, length of ownership of a credit card, and the total credit card expenditure were closely related to the likelihood of having revolving credit debt and to the duration of revolving credit debt. However, age, the square of age, credit ranking, and risk ranking were significantly correlated with the likelihood of having revolving credit debt rather than the duration of revolving credit debt. Credit card balance had a special influence on the duration of revolving credit debt. Compared with revolving credit debt, petty installment loan had few significantly related factors. Both age and the square of age could significantly predict both the likelihood of having petty installment loan and amount of petty installment loan. Credit ranking, risk ranking, and gender predicted the likelihood of having petty installment loan but did not correlate with the amount of petty installment loan. The frequency of petty installment use was closely related to the amount of petty installment loan. Copyright © 2014 John Wiley & Sons, Ltd.     

“Plateau”-related summary statistics are uninformative for comparing working memory models

Performance on visual working memory tasks decreases as more items need to be remembered. Over the past decade, a debate has unfolded between proponents of slot models and slotless models of this phenomenon (Ma, Husain, Bays (Nature Neuroscience 17, 347-356, 2014). Zhang and Luck (Nature 453, (7192), 233-235, 2008) and Anderson, Vogel, and Awh (Attention, Perception, Psychophys 74, (5), 891-910, 2011) noticed that as more items need to be remembered, “memory noise” seems to first increase and then reach a “stable plateau.” They argued that three summary statistics characterizing this plateau are consistent with slot models, but not with slotless models. Here, we assess the validity of their methods. We generated synthetic data both from a leading slot model and from a recent slotless model and quantified model evidence using log Bayes factors. We found that the summary statistics provided at most 0.15 % of the expected model evidence in the raw data. In a model recovery analysis, a total of more than a million trials were required to achieve 99 % correct recovery when models were compared on the basis of summary statistics, whereas fewer than 1,000 trials were sufficient when raw data were used. Therefore, at realistic numbers of trials, plateau-related summary statistics are highly unreliable for model comparison. Applying the same analyses to subject data from Anderson et al. (Attention, Perception, Psychophys 74, (5), 891-910, 2011), we found that the evidence in the summary statistics was at most 0.12 % of the evidence in the raw data and far too weak to warrant any conclusions. The evidence in the raw data, in fact, strongly favored the slotless model. These findings call into question claims about working memory that are based on summary statistics.     

Parental Involvement: Contribution to Childhood Anxiety and Its Treatment

Anxiety disorders are prevalent in youth. Despite demonstrated efficacy of cognitive behavioral therapy (CBT), approximately 40 % of anxiety-disordered youth remain unresponsive to treatment. Because developmental and etiological models suggest that parental factors are relevant to the onset and maintenance of childhood anxiety, researchers have proposed and investigated family-based interventions with increased parent work in treatment, aiming to improve the efficacy of treatment for childhood anxiety. However, contrary to what theoretical models suggest, data to date did not indicate additive benefit of family-based CBT in comparison with child-centered modality. Is parent/family involvement unnecessary when treating childhood anxiety disorders? Or could there be the need for specificity (tailored family-based treatment) that is guided by a revised conceptualization that improves the implementation of a family-based intervention? The current review examines (1) relevant parental factors that have been found to be associated with the development and maintenance of childhood anxiety and (2) interventions that incorporate parental involvement. Relevant findings are integrated to formulate a “targeted” treatment approach for parental involvement in CBT for youth anxiety. Specifically, there is potential in the assessment of parent/family factors prior to treatment (for appropriateness) followed by a target-oriented implementation of parent training.     

高中到大学阶段学生的压力应对变化：一项追踪研究

本研究通过对178名高三学生为期一年的追踪访谈和调查,探讨了当前青少年从高中到大学生阶段所面临的压力源及应对方式的转变。结果显示：压力源存在五种类型,分别是学业压力、未来发展压力、家庭-经济压力、自我评价压力和人际关系压力。学业压力及未来发展压力不管是对高中生还是对大学生都是主要的压力来源。应对方式存在显著的性别差异。与高中阶段相比,大学阶段个体面临的人际关系压力、自我评价压力与家庭-经济压力更高,他们也更倾向于采取相对消极的应对方式。不同阶段压力与应对的关系存在差异。     

青少年心目中的理想父母形象研究

以690名初一、高一和大一学生为被试,采用自制的词表,运用因素分析方法研究青少年心目中的理想父母形象,并比较不同青少年理想父母形象之差异。结果发现:(1)当代青少年心目中理想父母形象应具备的五项主要特征是:尊重沟通、与子为友,能力强、善于交际,正义乐群,正视现实,品德好、有原则;(2)女孩比男孩更重视父母与她们的沟通与相处;(3)随着年龄的增长,孩子对父母与自己相处态度的要求逐渐提高,而对父母的能力、生活态度、品德的要求逐渐降低;(4)是否独生子女、家庭收入水平对青少年心目中的理想父母形象也有一定影响,不同家庭结构青少年心目中的理想父母形象则没有差异。     

视觉工作记忆对注意选择的自动导向作用

对Downing(2000)的实验范式加以改进使得实验设计完全符合检验记忆驱动注意捕获所需要满足的标准,实验一采用要求被试在工作记忆保持阶段完成探测区分任务的双任务范式,结果发现被试对呈现在匹配物体空间位置上的探测项反应时显著快于对呈现在非匹配物体空间位置上的探测项反应时,而在实验二中当对被试没有记忆要求时却没有发现这种空间位置一致的优势效应,说明视觉工作记忆内容对选择性注意产生了自动导向作用。     

Executive working memory load does not compromise perceptual processing during visual search: Evidence from additive factors analysis

Executive working memory (WM) load reduces the efficiency of visual search, but the mechanisms by which this occurs are not fully known. In the present study, we assessed the effect of executive load on perceptual processing during search. Participants performed a serial oculomotor search task, looking for a circle target among gapped-circle distractors. The participants performed the task under high and low executive WM load, and the visual quality (Experiment 1) or discriminability of targets and distractors (Experiment 2) was manipulated across trials. By the logic of the additive factors method (Sternberg, 1969, 1998), if WM load compromises the quality of perceptual processing during visual search, manipulations of WM load and perceptual processing difficulty should produce nonadditive effects. Contrary to this prediction, the effects of WM load and perceptual difficulty were additive. The results imply that executive WM load does not degrade perceptual analysis during visual search.     

海德格尔1923年夏季学期讲座的要义及其他

海德格尔1923年夏季学期的讲座是其弗莱堡早期思想的总结性文献,它最终确立了以"实际性的解释学"为核心的海德格尔思想的开端。本文着重分析了这个讲座的基本概念、观点的内涵和联系,揭示了它们深刻的理论价值以及对后来伽达默尔哲学解释学的影响,着重突出了这个讲座的两个方面的意义:对海德格尔自己思想起点的意义以及在现代解释学转向上的意义。     

美国行政伦理研究视点的变迁——以《公共行政评论》为例

<公共行政评论>作为美国公共行政学会会刊,反映出了行政伦理研究视点在20世纪的变迁.40-60年代,行政伦理研究从改变公共行政学的价值中立预设开始,以行政责任为关注点,从行政伦理的外部控制与内部控制研究,发展到关注行政组织、行政制度的伦理内容研究.70年代,以"社会公平与公共行政"为研究焦点形成新公共行政学派.80年代,关注对"行政伦理"立法的反思,建构"公民主义"的研究进路.90年代,研究方法与研究立场逐渐多元化,研究视阈拓展.21世纪初,批判进路的行政伦理研究继续深化发展,学者也关注行政伦理学发展过程中显现出来的一些具体问题.