Influence factor of Chinese elders' wealth management behaviour: an empirical study

The main purpose of this paper is to discuss the influential demographic variables of elders’ wealth management behaviour. Purpose sampling for 122 older consumers (aged over 65) who participate in wealth management programme with instrument, was conducted in April 2007 in China (Taiwan area). Regression was performed for the data analysis. The results showed gender, educational background, and living location being key factors affecting elder consumers’ wealth-management behaviours, including consumers’ familiarity with financial products/services, sources of professional information, sources of word-of-mouth information, investment intention, and investment confidence. The main contributions of this not only include enhancing existing literature concerning wealth management, marketing, and elder behaviours (especially for clarifying how the controversial factors work), but unveiling elders’ behaviour tendency in such a blooming emerging market. Practical implications to bank marketers are also given

Antibacterial effect of water-soluble chitosan on representative dental pathogens Streptococcus mutans and Lactobacilli brevis

Dental caries is still a major oral health problem in most industrialized countries. The development of dental caries primarily involves Lactobacilli spp. and Streptococcus mutans. Although antibacterial ingredients are used against oral bacteria to reduce dental caries, some reports that show partial antibacterial ingredients could result in side effects. OBJECTIVES: The main objective is to test the antibacterial effect of water-soluble chitosan while the evaluation of the mouthwash appears as a secondary aim. MATERIAL AND METHODS: The chitosan was obtained from the Application Chemistry Company (Taiwan). The authors investigated the antibacterial effects of water-soluble chitosan against oral bacteria at different temperatures (25-37ºC) and pH values (pH 5-8), and evaluated the antibacterial activities of a self-made water-soluble chitosan-containing mouthwash by in vitro and in vivo experiments, and analyzed the acute toxicity of the mouthwashes. The acute toxicity was analyzed with the pollen tube growth (PTG) test. The growth inhibition values against the logarithmic scale of the test concentrations produced a concentrationresponse curve. The IC50 value was calculated by interpolation from the data. RESULTS: The effect of the pH variation (5-8) on the antibacterial activity of water-soluble chitosan against tested oral bacteria was not significant. The maximal antibacterial activity of water-soluble chitosan occurred at 37ºC. The minimum bactericidal concentration (MBC) of water-soluble chitosan on Streptococcus mutans and Lactobacilli brevis were 400 µg/mL and 500 µg/mL, respectively. Only 5 s of contact between water-soluble chitosan and oral bacteria attained at least 99.60% antibacterial activity at a concentration of 500 µg/mL. The water-soluble chitosan-containing mouthwash significantly demonstrated antibacterial activity that was similar to that of commercial mouthwashes (>;99.91%) in both in vitro and in vivo experiments. In addition, the alcohol-free mouthwash exhibited no cytotoxicity and no oral stinging. To the best of our knowledge, this was the first study to combine in vitro and in vivo investigations to analyze the antibacterial properties of water-soluble chitosan-containing mouthwash. CONCLUSIONS: This study illustrated that water-soluble chitosan may be a viable alternative to commercial mouthwashes in the future

Application of Grey Theory in the Construction of Impact Criteria and Prediction Model of Players’ Salary Structure

[[abstract]]Salaries of professional players are usually determined prior to the execution of the responsibilities assigned by the organizations and are often based on the expected future performance of these players as derived from their past achievement. The study first identifies criteria that would affect players’ salaries through literature reviews and then utilizes grey relational analysis (GRA) and grey prediction model to calculate weights of salary impact criteria, players’ annual performance index, and salary prediction for the coming year. The performance data of players from the Chinese Professional Baseball League (CPBL) are used in this study. The results are as follows: (i) CPBL teams do refer to players’ past performance records and future performance prediction when deciding on their salaries and (ii) future performance prediction must be made using at least a 3-year data set. The proposed prediction model is able to effectively provide relevant and useful information to the CPBL teams’ management during players’ salary adjustment.[[notice]]補正完