简介:JiaXiangdejustdidn’tknowwhattodowhen,fiveyearsago,helosthisjobatastate-ownedchemicalfactory.Hewasgivenmi"unemploymentpay"of200yuan(US$24.1)permonthforhisfamilyofseven."Mywilehadnojobandlifewasreallyhardforus,"herecalls."IhadthoughtIwouldbedoneforuntilthegovernmentsteppedintohelp.Igotapettyloanfromthegovernment,andthathashelpedmeturnanewleafinlife."
简介:Micro-retailenterprises(MREs)havehadtoadapttochangingconditionsinregardstomobilepayments(m-payments)andaccesstoloans.TheauthorsbuiltonthepublishedresultsoftwoprevioussurveysofMREs.Onethousandninehundredandninety-eightMREsinfourcitiesinChinaweresurveyedinMayandJuneof2018todeterminetheuseandimportanceofm-paymentstotheirbusiness,theiraccesstoloans,andpatternsofentrepreneurship.Whilesometrendsremainunchanged,atleasttwosignificantfindingsemerge.M-paymentshavenotonlygainedalmostuniversalacceptancebyMREsinChina;theyaretheoverwhelminglypreferredpaymentmethod.Inourlastpaper,wearguedthat“m-paymentsmayrepresentaformofleapfroggingtechnologywhichwillspurgrowthinthissector”andthispaperprovidesadditionalevidencethisisoccurring.M-paymentsshoweverysignofbeinganexampleofaleapfroggingtechnologythatisquicklychangingtherulesforretailintheMREsectorandopeningnewopportunitiesforbusinesseswhileloweringtransactioncosts,reducingfraud,andimprovingcustomersatisfaction.Thereareintriguingimplications,includingchangestothepaceofm-paymentsreplacingcreditcards.Second,whileitremainstruethatoverall,accesstoloansforMREsislimited;thereisagreatdealofvariationbetweentier-onecitiesandtier-twoandtier-threecities.
简介:<正>41岁的严女士经过两年的痛不欲生,与年初结束了10年的婚姻。"近两年糟糕透了,胖了十多斤,失眠,月经紊乱、皮肤开始发干,眼角和脖子的皱纹都出来了,而且最严重的是月经只剩下一点点,量少颜色浅,提前进入更年期。那时候可能都不叫女人了吧。"严女士自嘲的说。