Economically speaking, are we better off than we were ten years ago? Twenty years ago? In their thirst for evidence on this issue, commentators seized on the recent report by the Census Bureau, which found that average household income rose by 5.2% in 2015. Unfortunately, that conclusion puts too much weight on a useful, but flawed and incomplete, statistic. Among the more significant problems with the Census’s measure are that: 1) it excludes taxes, transfers, and compensation like employer-provided health insurance; and 2) it is based on surveys rather than data. Even if precisely measured, income data exclude important determinants of economic well-being, such as the hours of work needed to earn that income. While thinking about the question, we came across a recently published article by Charles Jones and Peter Klenow, which proposes an interesting new measure of economic welfare. While by no means perfect, it is considerably more comprehensive than average income, taking into account not only growth in consumption per person but also changes in working time, life expectancy, and inequality. Moreover, it can be used to assess economic performance both across countries and over time. The Jones-Klenow method can be illustrated by a cross-country example. Suppose we want to compare the economic welfare of citizens of the U.S. and France in 2005. In 2005, as the authors observe, real consumption per person in France was only 60% as high as the U.S., making it appear that Americans were economically much better off than the French on average. However, that comparison omits other relevant factors: leisure time, life expectancy, and economic inequality. The French take longer vacations and retire earlier, so typically work fewer hours; they enjoy a higher life expectancy, presumably reflecting advantages with respect to health care, diet, lifestyle, and the like; and income and consumption are somewhat more equally distributed there than in the U.S. Because of these differences, comparing France’s consumption with the U.S.’s overstates the gap in economic welfare. Similar calculations can be used to compare the U.S. and other countries. For example, this calculation puts economic welfare in the United Kingdom at 97% of U.S. levels, but estimates Mexican well-being at 22%. The Jones-Klenow measure can also assess an economy’s performance over time. According to this measure, as of the early-to-mid-2000s, the U.S. had the highest economic welfare of any large country. Since 2007, economic welfare in the U.S. has continued to improve. However, the pace of improvement has slowed markedly. Methodologically, the lesson from the Jones-Klenow research is that economic welfare is multi-dimensional. Their approach is flexible enough that in principle other important quality-of-life changes could be incorporated—for example, decreases in total emissions of pollutants and declines in crime rates. What does the author say about the Jones-Klenow method?___

Economically speaking, are we better off than we were ten years ago? Twenty years ago? In their thirst for evidence on this issue, commentators seized on the recent report by the Census Bureau, which found that average household income rose by 5.2% in 2015. Unfortunately, that conclusion puts too much weight on a useful, but flawed and incomplete, statistic. Among the more significant problems with the Census’s measure are that: 1) it excludes taxes, transfers, and compensation like employer-provided health insurance; and 2) it is based on surveys rather than data. Even if precisely measured, income data exclude important determinants of economic well-being, such as the hours of work needed to earn that income. While thinking about the question, we came across a recently published article by Charles Jones and Peter Klenow, which proposes an interesting new measure of economic welfare. While by no means perfect, it is considerably more comprehensive than average income, taking into account not only growth in consumption per person but also changes in working time, life expectancy, and inequality. Moreover, it can be used to assess economic performance both across countries and over time. The Jones-Klenow method can be illustrated by a cross-country example. Suppose we want to compare the economic welfare of citizens of the U.S. and France in 2005. In 2005, as the authors observe, real consumption per person in France was only 60% as high as the U.S., making it appear that Americans were economically much better off than the French on average. However, that comparison omits other relevant factors: leisure time, life expectancy, and economic inequality. The French take longer vacations and retire earlier, so typically work fewer hours; they enjoy a higher life expectancy, presumably reflecting advantages with respect to health care, diet, lifestyle, and the like; and income and consumption are somewhat more equally distributed there than in the U.S. Because of these differences, comparing France’s consumption with the U.S.’s overstates the gap in economic welfare. Similar calculations can be used to compare the U.S. and other countries. For example, this calculation puts economic welfare in the United Kingdom at 97% of U.S. levels, but estimates Mexican well-being at 22%. The Jones-Klenow measure can also assess an economy’s performance over time. According to this measure, as of the early-to-mid-2000s, the U.S. had the highest economic welfare of any large country. Since 2007, economic welfare in the U.S. has continued to improve. However, the pace of improvement has slowed markedly. Methodologically, the lesson from the Jones-Klenow research is that economic welfare is multi-dimensional. Their approach is flexible enough that in principle other important quality-of-life changes could be incorporated—for example, decreases in total emissions of pollutants and declines in crime rates. What do Jones and Klenow think of the comparison between France and the U.S. in terms of real consumption per person?___

Economically speaking, are we better off than we were ten years ago? Twenty years ago? In their thirst for evidence on this issue, commentators seized on the recent report by the Census Bureau, which found that average household income rose by 5.2% in 2015. Unfortunately, that conclusion puts too much weight on a useful, but flawed and incomplete, statistic. Among the more significant problems with the Census’s measure are that: 1) it excludes taxes, transfers, and compensation like employer-provided health insurance; and 2) it is based on surveys rather than data. Even if precisely measured, income data exclude important determinants of economic well-being, such as the hours of work needed to earn that income. While thinking about the question, we came across a recently published article by Charles Jones and Peter Klenow, which proposes an interesting new measure of economic welfare. While by no means perfect, it is considerably more comprehensive than average income, taking into account not only growth in consumption per person but also changes in working time, life expectancy, and inequality. Moreover, it can be used to assess economic performance both across countries and over time. The Jones-Klenow method can be illustrated by a cross-country example. Suppose we want to compare the economic welfare of citizens of the U.S. and France in 2005. In 2005, as the authors observe, real consumption per person in France was only 60% as high as the U.S., making it appear that Americans were economically much better off than the French on average. However, that comparison omits other relevant factors: leisure time, life expectancy, and economic inequality. The French take longer vacations and retire earlier, so typically work fewer hours; they enjoy a higher life expectancy, presumably reflecting advantages with respect to health care, diet, lifestyle, and the like; and income and consumption are somewhat more equally distributed there than in the U.S. Because of these differences, comparing France’s consumption with the U.S.’s overstates the gap in economic welfare. Similar calculations can be used to compare the U.S. and other countries. For example, this calculation puts economic welfare in the United Kingdom at 97% of U.S. levels, but estimates Mexican well-being at 22%. The Jones-Klenow measure can also assess an economy’s performance over time. According to this measure, as of the early-to-mid-2000s, the U.S. had the highest economic welfare of any large country. Since 2007, economic welfare in the U.S. has continued to improve. However, the pace of improvement has slowed markedly. Methodologically, the lesson from the Jones-Klenow research is that economic welfare is multi-dimensional. Their approach is flexible enough that in principle other important quality-of-life changes could be incorporated—for example, decreases in total emissions of pollutants and declines in crime rates. What is an advantage of the Jones-Klenow method?___

Economically speaking, are we better off than we were ten years ago? Twenty years ago? In their thirst for evidence on this issue, commentators seized on the recent report by the Census Bureau, which found that average household income rose by 5.2% in 2015. Unfortunately, that conclusion puts too much weight on a useful, but flawed and incomplete, statistic. Among the more significant problems with the Census’s measure are that: 1) it excludes taxes, transfers, and compensation like employer-provided health insurance; and 2) it is based on surveys rather than data. Even if precisely measured, income data exclude important determinants of economic well-being, such as the hours of work needed to earn that income. While thinking about the question, we came across a recently published article by Charles Jones and Peter Klenow, which proposes an interesting new measure of economic welfare. While by no means perfect, it is considerably more comprehensive than average income, taking into account not only growth in consumption per person but also changes in working time, life expectancy, and inequality. Moreover, it can be used to assess economic performance both across countries and over time. The Jones-Klenow method can be illustrated by a cross-country example. Suppose we want to compare the economic welfare of citizens of the U.S. and France in 2005. In 2005, as the authors observe, real consumption per person in France was only 60% as high as the U.S., making it appear that Americans were economically much better off than the French on average. However, that comparison omits other relevant factors: leisure time, life expectancy, and economic inequality. The French take longer vacations and retire earlier, so typically work fewer hours; they enjoy a higher life expectancy, presumably reflecting advantages with respect to health care, diet, lifestyle, and the like; and income and consumption are somewhat more equally distributed there than in the U.S. Because of these differences, comparing France’s consumption with the U.S.’s overstates the gap in economic welfare. Similar calculations can be used to compare the U.S. and other countries. For example, this calculation puts economic welfare in the United Kingdom at 97% of U.S. levels, but estimates Mexican well-being at 22%. The Jones-Klenow measure can also assess an economy’s performance over time. According to this measure, as of the early-to-mid-2000s, the U.S. had the highest economic welfare of any large country. Since 2007, economic welfare in the U.S. has continued to improve. However, the pace of improvement has slowed markedly. Methodologically, the lesson from the Jones-Klenow research is that economic welfare is multi-dimensional. Their approach is flexible enough that in principle other important quality-of-life changes could be incorporated—for example, decreases in total emissions of pollutants and declines in crime rates. What can we infer from the passage about American people’s economic well-being?___

大学生的成才目标是___。

现代人才素质的灵魂是___。

___是人才素质的基础.

世界政治格局发展的必然趋势是___。

在全面发展的教育中德、智、体、美是缺一不可，统一存在的，其中处于主导地位的是___。

时代精神的内涵十分丰富，其中___居于核心地位。

民族精神是一个民族赖以生存和发展的精神支撑。中华民族在五千年的发展中所形成的伟大民族精神的核心是___。

下列名言反映中华民族是一个艰苦奋斗的民族的有___。

___是人才素质的基本内容

10。___是我们立党立国的根本指导思想

衡量大学生全面发展的一个重要标准是___

独立生活意识指___

___作为社会主义核心价值体系的精髓，解决的是应当具备什么样的精神状态和精神风貌的问题。

___是人才素质的综合体现.

人们对生活在其中的世界及人与世界的关系的总的看法和根本观点就是___

人生观的核心是___

人的本质属性是___

社会主义社会人生价值标准是___

回答人为什么活着___

表明人应当怎样对待生活___

判别什么样的人生才有意义___

下列人生态度中正确的是___

下列属于正确的人生目的的是___

___认为,金钱可以主宰一切.

___ 认为，社会和他人是达到个人目的的手段。

___认为，人生的全部内容就在于满足感官的需求与快乐。

马克思对于人的本质的论断确立与___

人与自然关系的实质是___

在社会交往和公共生活中公民应该遵守的道德准则是___

社会公德最基本的要求是___

通过其规定和实施，影响人们思想，培养和提高人们法律意识，引导人们依法行为的作用是法律的___

有序的公共生活是构建和谐社会的___

一行人在过路口时迎面遇到红灯，看到近处没有车辆便径直通过。他这样做是___

任何一个社会成员，无论具有何种身份、职业和地位，都必须在公共生活中遵守社会公德。这体现了社会公德具有的___特点。

影响公共生活、公共秩序、文明礼貌、清洁卫生以及其他影响社会生活的最主要行为规范是___

《公民道德建设实施纲要》明确指出，社会公德涵盖了___

在信贷资金总量一定的情况下，信贷资金周转速度、流动性、安全性、效益性的关系是___。

以下措施不能提高商业银行经营流动性和安全性的是___。

下列属于直接融资的行为有___。

下列不属于借款申请需明确内容的是。___

下列关于贷款种类说法，错误的是___

下列不属于间接融资的行为有___。

调查的基本要求：熟知客户和客户的业务，取得必要的客户信息资料和信贷业务信息资料，并核实资料的___。

商业银行在信贷过程中保持贷款种类和期限的多样化是为了保持信贷的___。

企业向银行借款属于____，发行债券、股票属于____。___

关于商业银行“安全性、流动性和效益性原则”的说法，不正确的是___。

按贷款用途划分，公司信贷的种类不包括___

___是指特定产品要素组合下的信贷服务方式，主要包括贷款、担保、承兑、信用支持、保函、信用证和承诺等。

银行市场细分是根据___差异对市场进行的划分。

贷放分控是指银行业金融机构将___作为两个独立的业务环节。

处于成熟期的行业的风险性___。

除贷款外，商业银行的资金一般主要用于___。

___是银行在商业汇票上签章承诺按出票人指示到期付款的行为。

在银行流动资金贷前调查报告中，借款人财务状况不包括___。

公司信贷的借款人指___

贷前调查中最常用、最重要的方法，同时也是在一般情况下必须采用的方法是___。

影响行业的外部因素不包括___

银行在对客户进行借款需求分析时，不需要关注的是___。

以下导致企业流动资产增加的因素不包括___。

主营业务指标通常指主营业务收入占___的比重。

以下关于流动比率和企业资产的变现能力关系的说法中，正确的是___

以下各项中不能反映应收账款的营运能力的是___。

以下不属于所有者权益项目的是___

法人贷款业务，申请信贷业务的客户应当是经___核准登记的企业（事业）法人其他经济组织。

下列因素与借款人的偿债能力无关的是___。

下列关于资产负债率的论述中，错误的是___

下列公式中，不能反映存货周转速度的是___

下列不属于资产负债表的基本内容的是___

下列不属于企业财务状况风险的是___

所有者权益代表投资者对企业___所有权。

商业银行对借款人最关心的就是其现在和未来的___。

一般企业贷款操作流程：___

借款人盈利能力的比率通过___反映。

借款人还款能力的主要标志就是___。

到的比率。___

反映客户长期偿债能力的比率是___