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学术科研
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关于低空经济高质量发展的思考
低空飞行器作为低空经济的核心载体，在市场化生产运营和应用中面临技术瓶颈、基础设施建设、经济成本等多重挑战，其未来发展需要在技术创新、监管体系、经济合理性和市场接受度等方面协同推进。
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人口老龄化与收入差距关系研究——兼论政府的缓解效应分析
推动实现全体人民共同富裕和积极应对人口老龄化是当前和今后中国要着力解决的重要问题。本文基于CFPS2012-2022年数据，实证分析了人口老龄化对收入差距的影响效应，并基于收入和支出两方面探究其作用机制。研究发现，人口老龄化对收入差距具有显著的不利影响，其作用渠道是人力资本积累效应和劳动力供给效应。分项回归表明，人口老龄化更易加剧具有劳动属性特征的工资性和经营性收入差距，但对转移性收入差距具有显著的改善作用，体现了政府转移支付对收入差距的缓解效应。异质性结果表明，城镇、高人力资本群体人口老龄化对收入降低的影响不显著，农村、低禀赋家庭的收入水平受到的负向影响更大。拓展性分析表明，由国家推动并实施的社会保障可以有效地缓解人口老龄化对收入差距的不利影响。基于此，国家应加大财政转移对低收入家庭的支持力度、进一步发挥养老保险和医疗保险对养老压力的缓解作用、积极推动银发经济发展。推动实现全体人民共同富裕和积极应对人口老龄化是当前和今后中国要着力解决的重要问题。本文基于CFPS2012-2022年数据，实证分析了人口老龄化对收入差距的影响效应，并基于收入和支出两方面探究其作用机制。研究发现，人口老龄化对收入差距具有显著的不利影响，其作用渠道是人力资本积累效应和劳动力供给效应。分项回归表明，人口老龄化更易加剧具有劳动属性特征的工资性和经营性收入差距，但对转移性收入差距具有显著的改善作用，体现了政府转移支付对收入差距的缓解效应。异质性结果表明，城镇、高人力资本群体人口老龄化对收入降低的影响不显著，农村、低禀赋家庭的收入水平受到的负向影响更大。拓展性分析表明，由国家推动并实施的社会保障可以有效地缓解人口老龄化对收入差距的不利影响。基于此，国家应加大财政转移对低收入家庭的支持力度、进一步发挥养老保险和医疗保险对养老压力的缓解作用、积极推动银发经济发展。
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Mind the voice! The effect of service robot voice vividness on service failure tolerance
Voice of service robot has significant impact on human-robot interaction,but with inadequate academic attention to it in robot service failure context. This research focuses on a novel perceptual nonlinguistic tone of robot voice, vividness, and investigates its influence on consumer tolerance to robot service failure. In three experiments, it was found that voice vividness negatively influences consumer tolerance to service failure, with service expectation playing a mediating role. Furthermore, the study revealed that robot appearance cuteness can mitigate the detrimental impact of voice vividness, but this mitigating effect is only effective in scenarios with low service failure severity.
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Higher Risk, Higher Price? Investigating Pricing Strategy in Two-Sided P2P Lending Platforms
Although extensive studies have investigated credit pricing (i.e. interest rate adjustment) on peer-to-peer (P2P) lending platforms, this article focuses on interest rate strategy from a more fundamental perspective, namely the first-step base rate strategy in the two-step pricing process. As an increasing number of P2P lending platforms choose posted-price mechanisms (i.e. the platform sets the interest rate), a crucial but unanswered question is: How do interest rates affect market outcomes in terms of platform profit and investment risk? Given that P2P lending platforms are characterized by two-sidedness and information asymmetry, the effects of interest rate pricing on market outcomes may differ from those in the traditional one-sided market. We address our research question both theoretically and empirically. We first construct a simple general model to investigate the effect of interest rates on platform profit and investment risk, taking into account the participation decisions of lenders and borrowers and platform pricing strategies (i.e. transaction fees to users on both sides). Our model implies that investment risk has a nonmonotonic relationship with interest rates. Inspired by our theoretical analyses, we then conduct a robust and solid counterfactual econometric analysis and empirically show that an inverted U-shaped nonmonotonic interest rate design is advantageous in reducing credit risk and improving the platform's profits by 33.89 percent. This study extends our understanding of the role of price operation on two-sided platforms with platform-mandated price mechanisms and information asymmetry. The findings have important policy implications for interest rate regulation in the P2P lending industry from the perspective of two-sided platforms.