-
.
.
.. .
.
第一单元、生活与消费
第一课、神奇的货币
1
、
商品
①含义:用于交换的劳动产品
②必须具备的条件:
A
、必须是劳动产品,不是劳动产品
不一定是商品。
B
、必须用于交换,不用于交换的劳动产品不是商品,交换是商品的基本特征。
C
p>
、凡是商品都有使用价值,但有使用价值的东西不一定是商品。
D
、商品
一定离不开流通领域,一旦进入消费领域就成为消费品,不再是商品。
③商品的两个基本属性:
A
、使用价值和价值是商品的两个基
本属性。
(前者是自然属性,后者是社会属性)
B
、使用
价值是指商品能够满足人们某种需要的属性。
C
、价值是指凝结在商品中无差别的
人类劳动。
注:
1
< br>、劳动产品不一定有价值,因为价值是商品特有的属性。
2
、有使用价值的东西不一定有价值,因为有使用价值的东西不一定是商品。
☆两者关系:对立统一
统一:同时存在商品中,商品是两者的统一体。
对立:任何人都不能同时拥有两个属性。
A
、使用
价值是价值的物质承担者(因为商品是用来交换的,没有用的物品人们是不会要
的)
p>
,作为商品,必然具有使用价值和价值,二者缺一不可,这是两者统一的表现。
B
< br>、对立表现在:商品生产者和购买者,对于商品的使用价值和价值二者不可兼得。商品
生产者要想实现商品的价值,
他必须把使用价值让渡给购买者,
而购买者为了得到使用价值,
也必须支付出相应的价值给生产者,当商品的使用价值
和价值分离时,意味着交换实现。
2
、货币
①
货币产生:
偶然物物交换——扩大的物物交换——一般等价物——一般等价物固定在金银
上→货币产生。
(注:偶然的物物交
换不是等价交换。
)
②货币的本质——一般等价物(本质)是商品。
原因:产生:它本身是一种商品,作用:它同一般等价物一样,表现其他一切商品的价值,
充当商品交换的媒介。
③货币的职能:
A
、基本职能:
(1)
流通手段,只需现实货币。
(
2
)价值尺度,只需观念上的货币。
B
、其它
职能:
(
1
)贮藏手段,足值的货币<
/p>
(
p>
2
)支付手段,交钱与交换时间不同。例:到银行取工资。
(
p>
3
)世界货币,指货币具有在世界市场充当一般等价物的职能。
p>
3
、纸币:
<
/p>
①纸币的含义:由国家(或某些地区)发行的,强制使用的价值符号。
②产生:
A
、货币以金银条块形
式流通不便和金属铸币在流通中有缺陷,这些在使用中易磨
损
,成为不足值货币,而纸币成本低更易于保管、运输,避免了铸币在流通中的磨损。
<
/p>
B
、从货币充当流通手段的职能中产生。
③职能:流通手段,支付手段(有些国家的纸币还具有世界货币的职能)
注:纸币没有价值,有使用价值。
④发行:纸币的发行量必须以流通中所需要的货币量为限度。
4
、社会总需求与总供给不平衡引起的:①通货膨胀
②通货紧缩
①通货膨胀实质:供小于求,表现:物价上涨,纸币贬值。影响:纸币贬值,物价上涨,购
p>
买力下降,生活水平下降,商品销售困难,经济秩序混乱。
..
.
专业
. .
positi
on-related
consum
ption
of
civil se
rvants ha
s
be
en sw
ept by
fina
nce
, consumer,
regar
dless
of cost,
extravagance and waste i
n the civil
servi
ce position-related
consumpti
on, a
buse,
corruption and embezzlement,
corruption
is important. T
hen,
under
the
conditi
ons
of
market economy,
how to
reform the existing civil
dut
y consumpti
on
management, expl
ores a
sour
ce to preve
nt and curb
the
post consumption
corrupti
on wa
y, is currently
a major iss
ue faced
by
honest w
ork.
Recently, I
conducted research on t
his
issue, t
his pr
oblem
on some humble
opi
nions. First,
t
he existing
public
servant
s ' duty consumpti
on
t
he main pr
oblem
s
see
n from the investigation and
reasons, in re
cent years,
public servants ' duty consumption
ca
use
d by the
a
buses a
nd
not a
per
son of integrity, i
s one
of the major
problems in t
he
party in
Gover
nment, its
operation or
der have a
negative effect on the party
a
nd Governme
nt organs,
seri
ously
damaging the image
of the party a
nd
the
Gover
nment,
undermining
the
relationshi
p betw
een
party and the masses, effect,
ope
ning
up
a
nd e
conomic
construction. From I County in
re
cent years
of
governa
nce
situati
on see,
positi
ons
consumption in
t
he produced
of
nome
non r
endering
four a features: a i
s positions
consumpti
on sy
stem lost
ha
s due of bindi
ng, right is
greater t
han r
ules,
a
nd rig
ht is greater
tha
n method of phenomenon
mor
e highl
ight; II
i
s in
positions
consumpti
on i
n the Camera
Obscura operation, usi
ng terms, will
positions consumpti
on
i
nto ha
s per
sonal
consumpti
on, w
ill
cor
porate
poi
nts
to int
o personal points to, makes
positions consumption in
some aspe
cts ha
s
into
positions enjoy and self-
deali
ng of means; three i
s
to positi
ons consumption for name,
fraud, false impersonator, Trend
of
negative corrupti
on
phe
nome
na such as
corruption and misappropriation; four
palace
s, follow the fashion,
rivalries, wa
steful, a
nd
post consumpti
on
became
a symbol
of showing
off their individual
ca
pacitie
s.
Ca
use
d by publi
c
serva
nts '
duty
consumpti
on
of many
nomenon
i
n whi
ch
people
reflect t
he biggest
problems
are: (a) the official
car problems.
Mainly i
n three
aspe
cts: one is t
he larger
buses
cost ex
penditure.
A
ccordi
ng to statistics,
until November 2003, XX County townshi
p
Department bus 159
cars,
w
hich de
partme
nt
owns the bus 145 vehi
cles,
a
nd
showed a
n
increasi
ng trend. Fina
ncial
ex
penses cost per bus per year to
35,000 yuan, and in fact every cost up
to 50,000 yuan. S
ome unit
s
also
hiring temporary drivers
a
nd ex
penditure
on wages a
nd
subsidi
es.
Nece
ssary to
car
so
pe
nda
nts
ading to larger
expense
s. Second, gongchesiyong
bree
d unhealt
hy tendencies.
S
ome pe
ople
believe t
hat now
some
bus
drivers
use one-t
hird,
one
-thir
d
leadi
ng private one
-third
use
d for official purposes.
Some publi
c servant
s,
especia
lly leadi
ng officials
mot
oring,
cars for private
purpose
s, violati
ng the
self
-di
sci
pline
reg
ulations, a
nd
eve
n lead t
o traffic
acci
dents. Accordi
ng to
statistics from related de
partments,
since 2004, t
he correct
inve
stigation i
n our
County serve
s nearly 30 cars
for private
purpose
s, only
the first half of this yea
r, cars for
private pur
poses or
②通货紧缩实质:供大于求,表现:物价下降,纸币升值。影响;物价下降,在一定程度上
< br>对人民有好处,
但长时间大围下降会影响企业生产与投资积极性,
使经济萧条,
影响人民生
活水平提高,导致市场消费不
振,对经济长远发展,人民长远利益不利。
注:流通中所需货
币量
=
商品价格总额
/
货币流通次数
注:解决方法:
通货膨胀:适度从紧的货币政策和量入为出的财政政策。
p>
通货紧缩:积极的财政政策和稳健的货币政策,发行国债,投资环境设施建设,扩大出口。<
/p>
5
、信用工具:
(
1
)
信用货币:
含义:
代替金属货币充当流通手段和支付手段的信用证券被利为信用货币。
p>
职能:流通和支付手段。
(
2
)信用工具:信用卡、支票、汇票:外埠结算,银行汇票、商业汇票。
A
、信用
卡:含义:是银行对资信状况良好的客户发行的一种信用凭证。
作用:集存款、取款、消费、结算、查询为一体,能减少现金的使用,简化收款手续,方便
购物消费,增强消费安全,给持卡人带来诸多便利。
B<
/p>
、支票:含义:支票是活期存款的支付凭证,是出票人委托银行等金融机构见票时无条件<
/p>
支付一定金额给受款人或者持票人的票据。
种类:
近期和远期支票,
记名或不记名支票,
现金和转帐支票在我国主要分为转帐支票和现
金支票。
①转帐支票:用于同城结算,付款单位或个人开票后,收款到银行把款转入自己。<
/p>
②现金支票:是由付款单位开出,收款人凭票到银行支取现金。
6
、外汇、汇率
(
1
)外汇:含义:是用外币表示的用于国际间结算的支付
手段。
(
2
)汇率:含义:又称汇价,是两种货币之间的兑换比率。
<
/p>
我国的汇率制度:
实行以市场供求为基础,
参考一篮子货币进行调节有管理的浮动汇率制度。
例:人民
币对美元,人民币升值汇率下降则美元贬值,汇率升值。
①外
汇汇率:
一定单位的外币兑换本币的数量。
兑换数量比以前多外
汇汇率升高,
外币币值
升值,兑换数量比以前少,外汇汇率降低
。
②汇率波动的影响:
A
、一国货币汇率下跌(即货币对外贬值)
,通常
会引起出口扩大和进口减少,国物价上涨,
国际储备增加,就业增加和国民收入增长和资
金外逃。
B
、一国货币汇率上涨(即
货币对外升值)
,通常会引起出口减少和进口扩大,使一国对外
贸易环境恶化,
国际储备减少,
就业和国民收入下降。但可以提
高该国货币的信誉,提高该
国的经济地位,吸引外资流入。
<
/p>
由于汇率波动对经济影响作用,使它成为各国调节经济的重要手段,如为了刺激出口增长,
往往采取直接宣布本币贬值即本币汇率下降的做法。
③汇率合理稳定的重要性:
A
、合理的稳定的汇率是一国乃至世界经济发展的必要条件,从一国看,它有利于促进对外
贸易的健康发展和实现外贸收支平衡,稳定物价,增加就业和国民收入,增强
< br>
国际储备。
B
、从世界上看,它有利于国际贸易的顺利进行和国际金融秩序的稳定,促使国际资本正常
流动等,
相反如频繁急剧波动汇率会加剧国际经济竞争,
影响国际贸易的顺利进行;
会刺激
国际投机,导致金融市场
的动荡与混乱。
④保持人民币币值稳定的意义。
即对保持物价总水平稳定,
对外保持人民币实际有效汇率稳
< br>定,对实现扩大就业,经济增长和国际收支平衡,
促进国民经济持续快速健康发展
,具有重
要意义。
leaders
driving a ve
hicle
a
cci
de
nt caused
by road
accide
nts, 1,
1
pe
ople k
illed a
nd
direct e
conomi
c
losses amounti
ng to more
t
han 100,000 yua
n.
T
hird, high efficie
ncy
a
nd l
ow cost of the
bus. Survey
s show that,
t
he operating
cost
s of taxis for the
8200/... Is a fundamental
priority of
the reform, it is a difficult
problem
that must
be solved i
n the
reform pr
ocess. Cl
early,
t
he post consumpti
on
averages t
hree years
before
as a
base
and
fi
ne-t
une
d on the
basis
of this
single
practices must
be impr
oved.
Im
provement
s to adhere to
t
hree
principles: first,
under the existing
poli
cy
provi
sions
a
pprov
ed for public
servants '
duty
consum
ption
standards,
cali
bration, is not contrary
to poli
cy. Se
cond,
a
ccordi
ng to the
local financial sit
uation
and pe
opl
e's
sustaina
bility, publi
c
servant
s ' duty
consumption
standards
approved,
bot
h financial
rea
ch, a
nd
people
passi
ng through. Third,
according to
he
operational
needs of civil
servants
re
sponsible for a
uthorized
public
servants '
duty
consumpti
on
standards,
bot
h
high a
nd l
ow
positi
ons,
but
al
so t
he nat
ure
of the
work a
nd
t
he workl
oad.
In
reform of method Shang,
a
ppr
oved
civil
serva
nts positi
ons
consumption standard t
o
nd
small
disperse
d
ble,
t
hat most positi
ons
consumption pr
oject
shoul
d
ac
cordi
ng to
poli
cy provi
des
proposed unified
sta
ndar
d, consider
t
o ranks, a
nd
unit
s and the
w
ork task of
differences
sex, unified of
sta
ndar
d shoul
d
has elasti
c of and dy
namic
of, makes regions, and units in
implementati
on
unified
standard Shi
has m
ust of flexible
disposal right;
but
si
nce set of
sta
ndar
d must after
financial, a
nd a
udit, sector
a
udit a
ppr
oved
Hou t
o impleme
ntation. (C)
reform package.
Public
servants '
duty
consumpti
on
elasticity
of consum
ption to limit
consumpti
on,
t
urni
ng mess int
o
kitchen after di
nner, foll
ow
the
civil servant wit
h a how
to
use
personal title
subsidie
s, or
how
to manage
a personal duty
consumpti
on
use
of subsidies. T
herefore,
w
e must esta
blish and
perfect
with
publ
ic servants '
duty consumpti
on
monetization reform support of the
series
of
governa
nce systems such as
t
he civil
servi
ce
examination of responsi
bility, system,
low fa
ult investigation system, the
report said. While
other measures
t
o keep
up.
Discipline
i
nspecti
on
and
supervisi
on
organs, financial,
a
uditi
ng
de
partments shoul
d
stre
ngthe
n
supervisi
on a
nd
inspe
ction
of
public
servant
s ' duty
consum
ption
moneti
zation reform progress, to
stre
ngthe
n the reform
of public
servants '
duty consumpti
on
m
onetizati
on
sy
stem, measure
s to develop
and monit
or the
im
plementation of
i
nspection,
not
consumpti
on a
s
requi
red, even
shifting
consumer
behavi
or
to st
op,
serious
cases t
o deal
with.
Three i
deas,
public
servants ' duty
consum
ption
moneti
zation reform of
politi
cs, t
he
e
conomy and the
dee
peni
ng of the
reform,
public
servants '
duty
consumpti
on
a
s somewhere
betwe
en a reform also
demonstrated its im
portance
a
nd
urgency. First
of all, civi
l
servant
s especially
par
ty and Government
l
eaders
and
publi
c servant
s '
duty
consumpti
on
t
here are big
drawba
cks.
NPC
deputies a
nd CPPCC
member
s and the br
oad masses
are concerned a
bout. Secondly,
t
he
positi
on-
related
consum
ption
of civil se
rvants
ha
s be
en sw
ept by
fina
nce
, consumer,
regar
dless
of cost,
extravagance and waste i
n the civil
servi
ce position-related
consumpti
on, a
buse,
corruption and embezzlement,
corruption
is important. T
hen,
under
the
conditi
ons
of
market economy,
how to
reform the existing civil
duty consumpti
on management,
expl
ores a sour
ce to
preve
nt and c
urb the
post consumption corrupti
on
wa
y, is currently a major issue faced
by honest w
ork.
Recently, I
conducted
research on t
his issue, t
his
pr
oblem
on some humble
opi
nions. First,
t
he existing
public
servant
s ' duty consumpti
on
t
he main pr
oblem
s
see
n from the investigation and
reasons, in re
cent years,
public servants ' duty consumption
ca
use
d by the
a
buses a
nd
not a
per
son of
integrity,
i
s one of the major
problems
in t
he party in
Gover
nment, its
operation or
der have a
negative effect on the party
a
nd
Governme
nt
organs, seri
ously
damaging
the image of the party a
nd the
Gover
nment,
undermining
the
relationshi
p betw
een
party and the masses, effect,
ope
ning
up
a
nd e
conomic
construction. From I County in
re
cent years
of
governa
nce
situati
on see,
positi
ons
consumption in
t
he produced
of
nome
non r
endering
four a features: a i
s positions
consumpti
on sy
stem lost
ha
s due of
bindi
ng, right is greater
t
han r
ules, a
nd
rig
ht is greater tha
n method
of phenomenon mor
e
highl
ight; II i
s in
positions consumpti
on
i
n the Camera Obscura operation,
usi
ng terms, will
positions
consumpti
on i
nto
ha
s per
sonal
consumpti
on, w
ill
cor
porate
poi
nts
to int
o personal points to, makes
positions consumption in
some aspe
cts ha
s
into
positions enjoy and
self
-deali
ng of means; three
i
s to positi
ons consumption
for name, fraud, false impersonator, Trend
of negative corrupti
on
phe
nome
na such as
corruption and misappropriation; four
palace
s, follow the fashion,
rivalries, wa
steful, a
nd
post consumpti
on
became
a symbol
of showing
off their individual
ca
pacitie
s.
Ca
use
d by publi
c
serva
nts '
duty
consumpti
on
of many
nomenon
i
n whi
ch
people
reflect t
he biggest
problems
are: (a) the official
car problems.
Mainly i
n three
aspe
cts: one is t
he larger
buses
cost ex
penditure.
A
ccordi
ng to statistics,
until November 2003, XX County townshi
p
Department bus 159
cars,
w
hich de
partme
nt
owns the bus 145 vehi
cles,
a
nd
showed a
n
increasi
ng trend. Fina
ncial
ex
penses cost per bus per year to
35,000 yuan, and in fact every cost up
to 50,000 yu
an. S
ome
unit
s also
hiring temporary
drivers a
nd ex
penditure
on wages a
nd
subsidi
es.
Nece
ssary to
car
so
pe
nda
nts
ading to larger
expense
s. Second, gongchesiyong
bree
d unhealt
hy tendencies.
S
ome pe
ople
believe t
hat now
some
bus
drivers
use one-t
hird,
one
-thir
d
leadi
ng private one
-third
use
d for official purposes.
Some publi
c servant
s,
especia
lly leadi
ng officials
mot
oring,
cars for private
purpose
s, violati
ng the
self-di
sci
pline
reg
ulations, a
nd
eve
n lead t
o traffic
acci
dents. Accordi
ng to
statistics from related de
partments,
since 2004, t
he correct
inve
stigation i
n our
County serve
s nearly 30 cars
for private
purpose
s, only
the first half of this yea
r, cars for
private pur
poses
or
第二课、多变的价格
一.影响价格的因素:
1
、影响价格的因素:
①影响价格的因素:如气候、时间、地域、生产等,甚至是、习俗。
②各种因素对商品价格的影响,是通过改变该商品的供求关系来实现的。
2
、供求影响价格。
①供不应求,价格升高。
A
、卖方市场:含义,由卖方起主导作用的一种市场类型。
B
、表现:由于供不应求,卖方在市场交易中处于有利地位,即使提高价格,
也能把商品卖
出。
②供过于求,价格降低。
A
、买方市场,是由买方起主导作用的一种市场类型。
< br>B
、表现;由于供过于求,买方在市场交易中处于有利地位,价格通常趋于下降。
3
、价值决定价格:
(
1
)价格与价值的关系。
①在市场经济中,价格最终是由价值决定的。价值是价格的基础,价格是价值的货币表现
。
②商品价格的高低,因为它们所含价值量不同。在其他条件
不变情况下,商品价值量越大,
价格越高;价值量越小,价格越低。
(
2
)社会必要劳动时间决定商
品价值量。
①价值量的决定因素:
不
能由个别劳动时间决定,
而是由生产商品的社会必要劳动时间决定。
A
、社会必要劳动时间指现有的社会正常的生产条件下,
在社会平均劳动熟练程度和劳动强
度下制造某种商品的需时间。
B
、个别劳动时间即商品生产者个人生产某种商品所用的时间。
②商品价值量与社会必要劳动时间成正比。
< br>商品耗费社会必要劳动时间越多,
其价值量越大,
反之越
小。
③社会必要劳动时间对生产者意义。
A
、社会必要劳动时间越低,处于有利地位。
B
、社会必要劳动时间越高,处于不利地位。
→决定生产者努力缩短生产商品的个别劳动时间,提高劳动生产率的缘故。
(
3
)①商品的价值量与社会劳
动生产率成反比。
劳动生产率:劳动者的生产效率。劳率'↑生产品量↑劳时'↑
②社会必要劳动时间是一定社会生产率的表现,
社会必要劳动时
间是由社会劳动生产率变化
引起。
③
个别劳动生产率的变化不影响商品的价值量,
但可改变个别劳动时间,
< br>改变同一时间创造
的价值总量。
注:掌握劳动时间、劳动生产率、商品价值量关系图(见导学)
4
、价值规律的容和表现形式。
p>
①价值规律的容:
商品的价值量由生产商品的社会必要劳动时间决定
,
商品交换以价值量为
基础实行等价交换。
②表现形式:受供求关系的影响,商品价格围绕价值上下波动,是价值规律的表现
形式。
③作用:
A.
调节劳动力和生产资料在社会生产各部门的分配
(使资源在社会各部门之间实现
优化配置)
B.
刺激商品生产者改进技术,改善经营管理,提高劳动生产率(使企业部实现优化配置)
C.
导致商品生产的优胜劣汰。
(
使资源在企业之间实现优化配置,
总之,
即有利于资源优化,<
/p>
leaders
driving a
ve
hicle
a
cci
de
nt caused
by road
accide
nts, 1,
1
pe
ople k
illed a
nd
direct e
conomi
c
losses amounti
ng to more
t
han 100,000 yua
n.
T
hird, high efficie
ncy
a
nd l
ow cost of the
bus. Survey
s show that,
t
he operating
cost
s of taxis for the
8200/... Is a fundamental
prior
ity of the reform, it
is a difficult
problem that must
be solved i
n the reform
pr
ocess. Cl
early,
t
he post consumpti
on
averages t
hree years
before
as a
base
and
fi
ne-t
une
d on the
basis
of this
single
practices must
be impr
oved.
Im
provement
s to adhere to
t
hree
principles: first,
under the ex
isting
poli
cy provi
sions
a
pprov
ed for public
servants '
duty
consum
ption
standards,
cali
bration, is not contrary
to poli
cy. Se
cond,
a
ccordi
ng to the
local financial sit
uation
and pe
opl
e's
sustaina
bility, publi
c
servant
s ' duty
consumption
standards
approved,
bot
h financial
rea
ch, a
nd
people
passi
ng through. Third,
according to t
he
operational
needs of civil
servants
re
sponsible for a
uthorized
public
servants '
duty
consumpti
on
standards,
bot
h
high a
nd l
ow
positi
ons,
but
al
so t
he nat
ure
of the
work a
nd
t
he workl
oad.
In
reform of method Shang,
a
ppr
oved
civil
serva
nts positi
ons
consumption standard t
o
nd
small
disperse
d
ble,
t
hat most positi
ons
consumption pr
oject
shoul
d accordi
ng
to
poli
cy
provi
des
proposed unified
sta
ndar
d, consider
t
o ranks, a
nd
unit
s and the
w
ork task of
differences
sex, unified of
sta
ndar
d shoul
d
has elasti
c of and dy
namic
of, makes regions, and units in
implementati
on
unified
standard Shi
has m
ust of flexible
disposal right;
but
si
nc
e set of
sta
ndar
d must after
financial, a
nd a
udit, sector
a
udit a
ppr
oved
Hou t
o impleme
ntation. (C)
reform package.
Public
servants '
duty
consumpti
on
elasticity
of consum
ption to limit
consumpti
on,
t
urni
ng mess int
o
kitchen after di
nner, foll
ow
the
civil servant wit
h a how
to
use
personal title
subsidie
s, or
how
to manage
a personal duty
consumpti
on
use
of subsidies. T
herefore,
w
e must esta
blish and
perfect
with
publ
ic servants '
duty consumpti
on
monetization reform support of the
series
of
governa
nce systems such as
t
he civil
servi
ce
examination of responsi
bility, system,
low fa
ult investigation system, the
report said. While
other measures
t
o keep
up.
Discipline
i
nspecti
on
and
supervisi
on
organs, financial,
a
uditi
ng
de
partments shoul
d
stre
ngthe
n
supervisi
on a
nd
inspe
ction
of
public
servant
s ' duty
consum
ption
moneti
zation reform progress, to
stre
ngthe
n the reform
of public
servants '
duty consumpti
on
m
onetizati
on
sy
stem, measure
s to develop
and monit
or the
im
plementation of
i
nspection,
not
consumpti
on a
s
requi
red, even
shifting
consumer
behavi
or
to st
op,
serious
cases t
o deal
with.
Three i
deas,
public
servants ' duty
consum
ption
moneti
zation reform of
politi
cs, t
he
e
conomy and the
dee
peni
ng of the
reform,
public
servants '
duty
consumpti
on
a
s somewhere
betwe
en a reform also
demonstrated its im
portance
a
nd
urgency. First
of all, civi
l
servant
s especially
party
and Government l
eaders
and
publi
c servant
s '
duty
consumpti
on
t
here are big
drawba
cks.
NPC
deputies a
nd CPPCC
member
s and the br
oad masses
are concerned a
bout. Secondly,
t
he
positi
on-
related
consum
ption
of civil se
rvants
ha
s be
en sw
ept by
fina
nce
, consumer,
regar
dless
of cost,
extravagance and waste i
n the civil
servi
ce position-related
consumpti
on, a
buse,
corruption and embezzlement,
corruption
is important. T
hen,
under
the
conditi
ons
of
market economy,
how to
reform the existing civil
duty consumpti
on management,
expl
ores a sour
ce to
preve
nt and c
urb the
post consumption corrupti
on
wa
y, is currently a major issue faced
by honest w
ork.
Recently, I
conducted
research on t
his issue, t
his
pr
oblem
on some humble
opi
nions. First,
t
he existing
public
servant
s ' duty consumpti
on
t
he main pr
oblem
s
see
n from the investigation and
reasons, in re
cent years,
public servants ' duty consumption
ca
use
d by the
a
buses a
nd
not a
per
son of integrity, i
s one
of the major
problems in t
he
party in
Gover
nment, its
operation or
der have a
negative effect on the party
a
nd
Governme
nt
organs, seri
ously
damaging
the image of the party a
nd the
Gover
nment,
undermining
the
relationshi
p betw
een
party and the masses, effect,
ope
ning
up
a
nd e
conomic
construction. From I County in
re
cent years
of
governa
nce
situati
on see,
positi
ons
consumption in
t
he produced
of
nome
non r
endering
four a features: a i
s positions
consumpti
on sy
stem lost
ha
s due of bindi
ng, right is
greater t
han r
ules,
a
nd rig
ht is greater
tha
n method of phenomenon
mor
e highl
ight; II
i
s in
positions
consumpti
on i
n the Camera
Obscura operation, usi
ng terms, will
positions consumpti
on
i
nto ha
s per
sonal
consumpti
on, w
ill
cor
porate
poi
nts
to int
o personal points to, makes
positions consumption in
some aspe
cts ha
s
into
positions enjoy and self-
deali
ng of means; three i
s
to positi
ons consumption for name,
fraud, false impersonator, Trend
of
negative corrupti
on
phe
nome
na such as
corruption and misappropriation; four
palace
s, follow the fashion,
rivalries, wa
steful, a
nd
post consumpti
on
became
a symbol
of showing
off their individual
ca
pacitie
s.
Ca
use
d by publi
c
serva
nts '
duty
consumpti
on
of many
nomenon
i
n whi
ch
people
reflect t
he biggest
problems
are: (a) the official
car problems.
Mainly i
n three
aspe
cts: one is t
he larger
buses
cost ex
penditure.
A
ccordi
ng to statistics,
until November 2003, XX County townshi
p
Department bus 159
cars,
w
hich de
partme
nt
owns the bus 145 vehi
cles,
a
nd
showed a
n
increasi
ng trend. Fina
ncial
ex
penses cost per bus per year to
35,000 yuan, and in fact every cost up
to 50,000 yuan. S
ome unit
s
also
hiring temporary drivers
a
nd ex
penditure
on wages a
nd
subsidi
es.
Nece
ssary to
car
so
pe
nda
nts
ading to larger
expense
s. Second, gongchesiyong
bree
d unhealt
hy tendencies.
S
ome pe
ople
believe t
hat now
some
bus
drivers
use one-t
hird,
one
-thir
d
leadi
ng private one
-third
use
d for official purposes.
Some publi
c servant
s,
especia
lly leadi
ng officials
mot
oring,
cars for private
purpose
s, violati
ng the
self
-di
sci
pline
reg
ulations, a
nd
eve
n lead t
o traffic
acci
dents. Accordi
ng to
statistics from related de
partments,
since 2004, t
he correct
inve
stigation i
n our
County serve
s nearly 30 cars
for private
purpose
s, only
the first half of this yea
r, cars for
private pur
poses
or
合理,高效配置)
二.价格变动的影响:见课本
P17-19
第三课、多彩的消费
1
、影响消费的因素
(
1
)居民的收入影响
p>
①收入与消费的关系:
收入是消费的基础和前提。
< br>在其他条件不变的情况下,
人们的可支配
收入越多,
p>
对各种商品和服务的消费量就越大。收入增长较快的时期,
消费增长
也较快;反
之,当收入增长速度下降时,消费增幅也下降。
<
/p>
②提高人民消费水平的根本途径是发展经济,保持经济的稳定增长,增加居民收入。
③居民消费水平的高低与人们的收入差距的大小有密切联系:
人们的收入差距过大,
总体消
费下降,反之,
缩小差距,会使总体消费水平提高。
(差距过大,影响消费需求)
(
2
)商品价格高低也是影响消费
的最主要因素之一。
①价格高低的变化与人们消费水平的关系
:
在人们收入水平一定的情况下,
物价上涨,
< br>购买
力下降,物价下跌,购买力则提高,消费水平也提高。
②提高人们消费水平,除了最根本的要发展经济,
增加人们
的收入之外,还要稳定物价,控
制物价上涨,这需要国家的宏观调控。
< br>
③基本生活消费品受价格水平变动影响比奢侈品低。
④各种商品比价的变动也会影响消费者的选择,
替代品和互补品
价格变化会影响人们的消费
数量。此外,商品、性能、外观、质量、包装、广告等甚至购
买方式,商店位置,服务态度
等都能影响人们的消费活动。
2
、消费类型:
(
1
)按产品类型分:有形商品消费和劳务消费。
(
2
)按交易方式不
同:钱货两清,货款消费,租货消费。
(
3
)按照消费的目的,生活消费可以分为生存资料消费,发展资料消费和享受资料消
费。
其中生存资料消费能满足人们较低层次的需求,
是最基本消
费;
发展资料消费能满足人们发
展的要求;享受资料消费能满足
人们享受的需求,是最高层次消费。
3
、消费结构:
(
1
)消费结构指人们各类消费支出在消费总支出所占的比
重。
(
2
)
特点:不是一成不变,会随经济发展,收入变化而变化,方向遵循由生存需要到发展
需要
再到享受需要的顺序。
4
、恩格尔系数:
< br>①含义:食品支出占家庭总支出的比重,它是反映人们消费结构与消费水平的一个系数。
< br>
②恩格尔系数大小与消费结构变化关系:
恩格尔系数越大,
意味着食品支出在家庭中总支出中所占比重越大,
必然影响其他消费,
影
响发展和享受资料消费
的增加,
限制消费层次,
消费质量,
导
致消费结构单一,
消费水平低。
恩格尔系数越小,表明人们的消
费结构越完善、越优化,人们的消费水平越高。
5
、树立正确的消费观
:
消费心理面面观。
(
1
)由于受自然条件,社会环境,个人经历等因素的影响,人们的心理往往不同
,使消费
带有复杂性。
(
2
)消费心理复杂性的表现有:
①从众心理:有从众心理的人,
看到别人做某事,
自己
不由自主地去做,其消费会受别人评
leaders
driving a ve
hicle
a
cci
de
nt caused
by road
accide
nts, 1,
1
pe
ople k
illed a
nd
direct e
conomi
c
losses amounti
ng to more
t
han 100,000 yua
n.
T
hird, high efficie
ncy
a
nd l
ow cost of the
bus. Survey
s show that,
t
he operating
cost
s of taxis for the
8200/... Is a fundamental
priority of
the reform, it is a difficult
problem
that must
be solved i
n the
reform pr
ocess. Cl
early,
t
he post consumpti
on
averages t
hree years
before
as a
base
and
fi
ne-t
une
d on the
basis
of this
single
practices must
be impr
oved.
Im
provement
s to adhere to
t
hree
principles: first,
under the existing
poli
cy
provi
sions
a
pprov
ed for public
servants '
duty
consum
ption
standards,
cali
bration, is not contrary
to poli
cy. Se
cond,
a
ccordi
ng to the
local financial sit
uation
and pe
opl
e's
sustaina
bility, publi
c
servant
s ' duty
consumption
standards
approved,
bot
h financial
rea
ch, a
nd
people
passi
ng through. Third,
according to
he
operational
needs of civil
servants
re
sponsible for a
uthorized
public
servants '
duty
consumpti
on
standards,
bot
h
high a
nd l
ow
positi
ons,
but
al
so t
he nat
ure
of the
work a
nd
t
he workl
oad.
In
reform of method Shang,
a
ppr
oved
civil
serva
nts positi
ons
consumption standard t
o
nd
small
disperse
d
ble,
t
hat most positi
ons
consumption pr
oject
shoul
d accordi
ng
to
poli
cy
provi
des
proposed unified
sta
ndar
d, consider
t
o ranks, a
nd
unit
s and the
w
ork task of
differences
sex, unified of
sta
ndar
d shoul
d
has elasti
c of and dy
namic
of, makes regions, and units in
implementati
on
unified
standard Shi
has m
ust of flexible
disposal right;
but
si
nce set of
sta
ndar
d must after
financial, a
nd a
udit, sector
a
udit a
ppr
oved
Hou t
o impleme
ntation. (C)
reform package.
Public
servants '
duty
consumpti
on
elasticity
of consum
ption to limit
consumpti
on,
t
urni
ng mess int
o
kitchen after di
nner, foll
ow
the
civil servant wit
h a how
to
use
personal title
subsidie
s, or
how
to manage
a personal duty
consumpti
on
use
of subsidies. T
herefore,
w
e must esta
blish and
perfect
with
publ
ic servants '
duty consumpti
on
monetization reform support of the
series
of
governa
nce systems such as
t
he civil
servi
ce
examination of responsi
bility, system,
low fa
ult investigation system, the
report said. While
other measures
t
o keep
up.
Discipline
i
nspecti
on
and
supervisi
on
organs, financial,
a
uditi
ng
de
partments shoul
d
stre
ngthe
n
supervisi
on a
nd
inspe
ction
of
public
servant
s ' duty
consum
ption
moneti
zation reform progress, to
stre
ngthe
n the reform
of public
servants '
duty consumpti
on
m
onetizati
on
sy
stem, measure
s to develop
and monit
or the
im
plementation of
i
nspection,
not
consumpti
on a
s
requi
red, even
shifting
consumer
behavi
or
to st
op,
serious
cases t
o deal
with.
Three i
deas,
public
servants ' duty
consum
ption
moneti
zation reform of
politi
cs, t
he
e
conomy and the
dee
peni
ng of the
reform,
public
servants '
duty
consumpti
on
a
s somewhere
betwe
en a reform also
demonstrated its im
portance
a
nd
urgency. First
of all, civi
l
servant
s especially
par
ty and Government
l
eaders
and
publi
c servant
s '
duty
consumpti
on
t
here are big
drawba
cks.
NPC
deputies a
nd CPPCC
member
s and the br
oad masses
are concerned a
bout. Secondly,
t
he
positi
on-
related
consum
ption
of civil se
rvants
ha
s be
en sw
ept by
fina
nce
, consumer,
regar
dless
of cost,
extravagance and waste i
n the civil
servi
ce position-related
consumpti
on, a
buse,
corruption and embezzlement,
corruption
is important. T
hen,
under
the
conditi
ons
of
market economy,
how to
reform the existing civil
duty consumpti
on management,
expl
ores a sour
ce to
preve
nt and c
urb the
post consumption corrupti
on
wa
y, is currently a major issue faced
by honest w
ork.
Recently, I
conducted
research on t
his issue, t
his
pr
oblem
on some humble
opi
nions. First,
t
he existing
public
servant
s ' duty consumpti
on
t
he main pr
oblem
s
see
n from the investigation and
reasons, in re
cent years,
public servants ' duty consumption
ca
use
d by the
a
buses a
nd
not a
per
son of
integrity,
i
s one of the major
problems
in t
he party in
Gover
nment, its
operation or
der have a
negative effect on the party
a
nd
Governme
nt
organs, seri
ously
damaging
the image of the party a
nd the
Gover
nment,
undermining
the
relationshi
p betw
een
party and the masses, effect,
ope
ning
up
a
nd e
conomic
construction. From I County in
re
cent years
of
governa
nce
situati
on see,
positi
ons
consumption in
t
he produced
of
nome
non r
endering
four a features: a i
s positions
consumpti
on sy
stem lost
ha
s due of bindi
ng, right is
greater t
han r
ules,
a
nd rig
ht is greater
tha
n method of phenomenon
mor
e highl
ight; II
i
s in
positions
consumpti
on i
n the Camera
Obscura operation, usi
ng terms, will
positions consumpti
on
i
nto ha
s per
sonal
consumpti
on, w
ill
cor
porate
poi
nts
to int
o personal points to, makes
positions consumption in
some aspe
cts ha
s
into
positions enjoy and
self
-deali
ng of means; three
i
s to positi
ons consumption
for name, fraud, false impersonator, Trend
of negative corrupti
on
phe
nome
na such as
corruption and misappropriation; four
palace
s, follow the fashion,
rivalries, wa
steful, a
nd
post consumpti
on
became
a symbol
of showing
off their individual
ca
pacitie
s.
Ca
use
d by publi
c
serva
nts '
duty
consumpti
on
of many
nomenon
i
n whi
ch
people
reflect t
he biggest
problems
are: (a) the official
car problems.
Mainly i
n three
aspe
cts: one is t
he larger
buses
cost ex
penditure.
A
ccordi
ng to statistics,
until November 2003, XX County townshi
p
Department bus 159
cars,
w
hich de
partme
nt
owns the bus 145 vehi
cles,
a
nd
showed a
n
increasi
ng trend. Fina
ncial
ex
penses cost per bu
s per
year to
35,000 yuan, and in fact every
cost up to 50,000 yuan. S
ome
unit
s also
hiring temporary
drivers a
nd ex
penditure
on wages a
nd
subsidi
es.
Nece
ssary to
car
so
pe
nda
nts
ading to larger
expense
s. Second, gongchesiyong
bree
d unhealt
hy tendencies.
S
ome pe
ople
believe t
hat now
some
bus
drivers
use one-t
hird,
one
-thir
d
leadi
ng private one
-third
use
d for official purposes.
Some publi
c servant
s,
especia
lly leadi
ng officials
mot
oring,
cars for private
purpose
s, violati
ng the
self
-di
sci
pline
reg
ulations, a
nd
eve
n lead t
o traffic
acci
dents. Accordi
ng to
statistics from related de
partments,
since 2004, t
he correct
inve
stigation i
n our
County serve
s nearly 30 cars
for private
purpose
s, only
the first half of this yea
r, cars for
private pur
poses
or
价的影响,受别人行为的带动。
②求异心理:消费行为与众不同,标新立异。
③攀比心理:
有些商品,
人们拥有它的目的不在于它本
身的实用价值和它所带来的乐趣,
而
是在于“向上看齐”
,人民我有的炫耀心理。
④心理:
消费者选择商品,
往往考虑许多因素,
价值是否
便宜,
质量好不好,
服务是否到位,
功
能是否齐全等,讲究实惠,据己需要是一种理性消费。
6
、做理智消费者。
(
1
)量入为出,适度消费。
(
2
)避免盲从,理性消费。
(
3
)保护环境,绿
色消费。
(
4
)勤俭节约,艰苦奋斗。
第二单元、投资与创业
第四课、生产与经济制度
一.发展生产满足消费
(
1
)生产决定消费(人的消费不是由主观愿望决定的,而是由客观的物质生
产状况决定)
生产决定消费对象,
生产决定消费方式,
生产决定消费的质量和水平,
生产为消费创造动力。
物质资料的生产是人类社会赖以生存和发展的基础。
从一定意义上说人类的历史就是
生产发
展的历史。
(
2
)消费对生产起着重要的反作用,消费的发展促进生产的发展。
①消费所形成的新的需要,对生产的调整和升级起着导向作用。
②消费是生产的目的。只有生产出来的产品被消费了,这种产品的生产行为才算最终完成
。
③消费是生产的动力。一个新的消费热点的出现,往往能带
动一个产业的出现和成长。
④消费为生产创造出新的劳动力,
并提高劳动力的质量,提高劳动者的生产积极性。
(
3
)社会再生产过程的四个环节:生产、分配、交换、消费。
①社会再生产:社会生产过程的不断重复和更新。
②关系:
直接生产过程是起决定作用的环节;
分配
和交换是连结生产与消费的纽带,
对生产
和消费有重要的影响;
消费是物质资料生产过程的最终目的与动力。
二.大力发展生产力
1
.必要性:
①大力发展生产力,
是由我国社会主义主要矛盾决定的,
是社
会主义的根本任务和本质要求。
我国目前处在社会主义初级阶段,
人民日益增长的物质文化需要同落后的社会生产之间的矛
盾,是社会的主要矛盾。为解
决这一矛盾必须大力发展生产力。
②大力发展生产力,
集中力量进行社会主义现代化建设,
是我们国家的根本任务。
因此,一
定要坚持党的基本路线不动摇,
坚持以
经济建设为中心,
聚精会神搞建设,
一心一意谋取发
展。
2
、重要性:只有
大力发展生产力,才能为巩固社会主义制度建立起雄厚的物质技术基础,
才能摆脱经济文
化落后状态,
缩小历史遗留下来的与发达国家的差距,
赶上以至
超过发达国
家充分显示社会主义制度的优越性;才能不断增强综合国力,提高我国在国际
上的地位。
3
、大力发展生产力的途径:
①必须坚持党的基本路线不动摇,
坚持以经济建设为中心,
聚精会神搞建设,
一心一意谋发
展。
②人是生产力中最具决定性的力量,
大力发展生产
力,
必须尊重劳动,
尊重知识,
尊重人
才,
尊重创造,全面提高劳动者素质。
③科学技术是第一生产力,
而且是先进生产力的集中体现和主要标志。
大力发展生产力,
必
leaders
driving a ve
hicle
a
cci
de
nt caused
by road
accide
nts, 1,
1
pe
ople k
illed a
nd
direct e
conomi
c
losses amounti
ng to more
t
han 100,000 yua
n.
T
hird, high efficie
ncy
a
nd l
ow cost of the
bus. Survey
s show that,
t
he operating
cost
s of taxis for the
8200/... Is a fundamental
priority of
the reform, it is a difficult
problem
that must
be solved i
n the
reform pr
ocess. Cl
early,
t
he post consumpti
on
averages t
hree years
before
as a
base
and
fi
ne-t
une
d on the
basis
of this
single
practices must
be impr
oved.
Im
provement
s to adhere to
t
hree
principles: first,
under the ex
isting
poli
cy provi
sions
a
pprov
ed for public
servants '
duty
consum
ption
standards,
cali
bration, is not contrary
to poli
cy. Se
cond,
a
ccordi
ng to the
local financial sit
uation
and pe
opl
e's
sustaina
bility, publi
c
servant
s ' duty
consumption
standards
approved,
bot
h financial
rea
ch, a
nd
people
passi
ng through. Third,
according to t
he
operational
needs of civil
servants
re
sponsible for a
uthorized
public
servants '
duty
consumpti
on
standards,
bot
h
high a
nd l
ow
positi
ons,
but
al
so t
he nat
ure
of the
work a
nd
t
he workl
oad.
In
reform of method Shang,
a
ppr
oved
civil
serva
nts positi
ons
consumption standard t
o
nd
small
disperse
d
ble,
t
hat most positi
ons
consumption pr
oject
shoul
d accordi
ng
to
poli
cy
provi
des
proposed unified
sta
ndar
d, consider
t
o ranks, a
nd
unit
s and the
w
ork task of
differences
sex, unified of
sta
ndar
d shoul
d
has elasti
c of and dy
namic
of, makes regions, and units in
implementati
on
unified
standard Shi
has m
ust of flexible
disposal right;
but
si
nc
e set of
sta
ndar
d must after
financial, a
nd a
udit, sector
a
udit a
ppr
oved
Hou t
o impleme
ntation. (C)
reform package.
Public
servants '
duty
consumpti
on
elasticity
of consum
ption to limit
consumpti
on,
t
urni
ng mess int
o
kitchen after di
nner, foll
ow
the
civil servant wit
h a how
to
use
personal title
subsidie
s, or
how
to manage
a personal duty
consumpti
on
use
of subsidies. T
herefore,
w
e must esta
blish and
perfect
with
publ
ic servants '
duty consumpti
on
monetization reform support of the
series
of
governa
nce systems such as
t
he civil
servi
ce
examination of responsi
bility, system,
low fa
ult investigation system, the
report said. While
other measures
t
o keep
up.
Discipline
i
nspecti
on
and
supervisi
on
organs, financial,
a
uditi
ng
de
partments shoul
d
stre
ngthe
n
supervisi
on a
nd
inspe
ction
of
public
servant
s ' duty
consum
ption
moneti
zation reform progress, to
stre
ngthe
n the reform
of public
servants '
duty consumpti
on
m
onetizati
on
sy
stem, measure
s to develop
and monit
or the
im
plementation of
i
nspection,
not
consumpti
on a
s
requi
red, even
shifting
consumer
behavi
or
to st
op,
serious
cases t
o deal
with.
Three i
deas,
public
servants ' duty
consum
ption
moneti
zation reform of
politi
cs, t
he
e
conomy and the
dee
peni
ng of the
reform,
public
servants '
duty
consumpti
on
a
s somewhere
betwe
en a reform also
demonstrated its im
portance
a
nd
urgency. First
of all, civi
l
servant
s especially
party
and Government l
eaders
and
publi
c servant
s '
duty
consumpti
on
t
here are big
drawba
cks.
NPC
deputies a
nd CPPCC
member
s and the br
oad masses
are concerned a
bout. Secondly,
t
he
positi
on-
related
consum
ption
of civil se
rvants
ha
s be
en sw
ept by
fina
nce
, consumer,
regar
dless
of cost,
extravagance and waste i
n the civil
servi
ce position-related
consumpti
on, a
buse,
corruption and embezzlement,
corruption
is important. T
hen,
under
the
conditi
ons
of
market economy,
how to
reform the existing civil
duty consumpti
on management,
expl
ores a sour
ce to
preve
nt and c
urb the
post consumption corrupti
on
wa
y, is currently a major issue faced
by honest w
ork.
Recently, I
conducted
research on t
his issue, t
his
pr
oblem
on some humble
opi
nions. First,
t
he existing
public
servant
s ' duty consumpti
on
t
he main pr
oblem
s
see
n from the investigation and
reasons, in re
cent years,
public servants ' duty consumption
ca
use
d by the
a
buses a
nd
not a
per
son of integrity, i
s one
of the major
problems in t
he
party in
Gover
nment, its
operation or
der have a
negative effect on the party
a
nd
Governme
nt
organs, seri
ously
damaging
the image of the party a
nd the
Gover
nment,
undermining
the
relationshi
p betw
een
party and the masses, effect,
ope
ning
up
a
nd e
conomic
construction. From I County in
re
cent years
of
governa
nce
situati
on see,
positi
ons
consumption in
t
he produced
of
nome
non r
endering
four a features: a i
s positions
consumpti
on sy
stem lost
ha
s due of bindi
ng, right is
greater t
han r
ules,
a
nd rig
ht is greater
tha
n method of phenomenon
mor
e highl
ight; II
i
s in
positions
consumpti
on i
n the Camera
Obscura operation, usi
ng terms, will
positions consumpti
on
i
nto ha
s per
sonal
consumpti
on, w
ill
cor
porate
poi
nts
to int
o personal points to, makes
positions consumption in
some aspe
cts ha
s
into
positions enjoy and self-
deali
ng of means; three i
s
to positi
ons consumption for name,
fraud, false impersonator, Trend
of
negative corrupti
on
phe
nome
na such as
corruption and misappropriation; four
palace
s, follow the fashion,
rivalries, wa
steful, a
nd
post consumpti
on
became
a symbol
of showing
off their individual
ca
pacitie
s.
Ca
use
d by publi
c
serva
nts '
duty
consumpti
on
of many
nomenon
i
n whi
ch
people
reflect t
he biggest
problems
are: (a) the official
car problems.
Mainly i
n three
aspe
cts: one is t
he larger
buses
cost ex
penditure.
A
ccordi
ng to statistics,
until November 2003, XX County townshi
p
Department bus 159
cars,
w
hich de
partme
nt
owns the bus 145 vehi
cles,
a
nd
showed a
n
increasi
ng trend. Fina
ncial
ex
penses cost per bus per year to
35,000 yuan, and in fact every cost up
to 50,000 yuan. S
ome unit
s
also
hiring temporary drivers
a
nd ex
penditure
on wages a
nd
subsidi
es.
Nece
ssary to
car
so
pe
nda
nts
ading to larger
expense
s. Second, gongchesiyong
bree
d unhealt
hy tendencies.
S
ome pe
ople
believe t
hat now
some
bus
drivers
use one-t
hird,
one
-thir
d
leadi
ng private one
-third
use
d for official purposes.
Some publi
c servant
s,
especia
lly leadi
ng officials
mot
oring,
cars for private
purpose
s, violati
ng the
self
-di
sci
pline
reg
ulations, a
nd
eve
n lead t
o traffic
acci
dents. Accordi
ng to
statistics from related de
partments,
since 2004, t
he correct
inve
stigation i
n our
County serve
s nearly 30 cars
for private
purpose
s, only
the first half of this yea
r, cars for
private pur
poses
or
须加快科学技术的发展,大力推进科技进步和创新。
p>
④改革是社会主义自我完善与发展,
改革能促进生产力的发展。
p>
大力发展生产力,
必须通过
改革,
调整上层建筑与经济基础不相适应的部分。
要通过改革,
完善社会主义的各项基本制
度,促进社会生产力的发展。
三、公有制为主体、多种所有制经济共同发展的经济制度
(主导作用——国有经济而言,主体地位——整个公有制地位)
(
1
)生产资料公有制是社会主义的根
本经济特征,是社会主义经济制度的基础:
公有制经济的容(公有制经济成分比较)
成分
国有经济
集体经济
混合经济中的国有和集体成分
含义
社会全体劳
动者共同占
有生产资料
部分劳动者共同占有
生产资料
各种不同所有制经济按一定原则实
行联合生产或经营的所有制形式中
的国有成分和集体成分
地位
处于支配地
位是其支柱
公有制经济的重要组
成部分
公有制经济的重要组成部分
作用
控制国家经济命脉
,
在国民经济中起主导作用
体现共同富裕原则,
吸收资金,
缓解
就业
压力,增加积累和税
收
国家和集体控股,具有明显的公有
性
,可增强公有制经济的活力,
提高企业和资本的动作效率,
扩大
公有制资本的支配围,增
强公有制的主体作用
(
2
)公有制的实现形式:
①一切反映社会化生产规律的经营方式和组织形式,
如股份制,
股份合作制,
都可成为公有
制经济的实
现形式。
②股份制企业,
如果国家和
集体控股,
则具有明显的公有性。
股份制成为公有制的主要实现
形式,可以增强公有制经济的活力,提高企业和资本的动作效率,扩大公有资本的支配围
,
增强公有制的主体作用。
(
3
)公有制主体地位的主要体现:
①公有资产在社会总资产中占优势。既要有量的优势,又要注重质的提高。
②国有经济控制国民经济命脉,
对经济发展起主导作用。<
/p>
国有经济的主导作用主要体现在控
制力上,
即体现在控制国民经济发展方向,
控制经济运行的整体态势,
控制重要稀缺资源的
能力上。在关系国民经济命脉的重要行业和关键领域,国有经济必须
占支配地位。
(
4
< br>)我国现阶段的非公有制经济:
个体经济
私营经济
外资经济
含义
劳动者个人或者家庭占有生产资料从事个体劳动和经营
以生产资料私有制和
雇佣劳动为基础,以取得利润为目的
依法在地设立的独资企业及中外合资、
中外合作经
营企业中的外商投资部分
特点
以手工劳动为主,规模人投资少,设备简单,经营灵活
规模较大,设备较先
进,劳动生产率比较高
投资分配
leaders
driving a ve
hicle
a
cci
de
nt caused
by road
accide
nts, 1,
1
pe
ople k
illed a
nd
direct e
conomi
c
losses amounti
ng to more
t
han 100,000 yua
n.
T
hird, high efficie
ncy
a
nd l
ow cost of the
bus. Survey
s show that,
t
he operating
cost
s of taxis for the
8200/... Is a fundamental
priority of
the reform, it is a difficult
problem
that must
be solved i
n the
reform pr
ocess. Cl
early,
t
he post consumpti
on
averages t
hree years
before
as a
base
and
fi
ne-t
une
d on the
basis
of this
single
practices must
be impr
oved.
Im
provement
s to adhere to
t
hree
principles: first,
under the existing
poli
cy
provi
sions
a
pprov
ed for public
servants '
duty
consum
ption
standards,
cali
bration, is not contrary
to poli
cy. Se
cond,
a
ccordi
ng to the
local financial sit
uation
and pe
opl
e's
sustaina
bility, publi
c
servant
s ' duty
consumption
standards
approved,
bot
h financial
rea
ch, a
nd
people
passi
ng through. Third,
according to
he
operational
needs of civil
servants
re
sponsible for a
uthorized
public
servants '
duty
consumpti
on
standards,
bot
h
high a
nd l
ow
positi
ons,
but
al
so t
he nat
ure
of the
work a
nd
t
he workl
oad.
In
reform of method Shang,
a
ppr
oved
civil
serva
nts positi
ons
consumption standard t
o
nd
small
disperse
d
ble,
t
hat most positi
ons
consumption pr
oject
shoul
d accordi
ng
to
poli
cy
provi
des
proposed unified
sta
ndar
d, consider
t
o ranks, a
nd
unit
s and the
w
ork task of
differences
sex, unified of
sta
ndar
d shoul
d
has elasti
c of and dy
namic
of, makes regions, and units in
implementati
on
unified
standard Shi
has m
ust of flexible
disposal right;
but
si
nce set of
sta
ndar
d must after
financial, a
nd a
udit, sector
a
udit a
ppr
oved
Hou t
o impleme
ntation. (C)
reform package.
Public
servants '
duty
consumpti
on
elasticity
of consum
ption to limit
consumpti
on,
t
urni
ng mess int
o
kitchen after di
nner, foll
ow
the
civil servant wit
h a how
to
use
personal title
subsidie
s, or
how
to manage
a personal duty
consumpti
on
use
of subsidies. T
herefore,
w
e must esta
blish and
perfect
with
publ
ic servants '
duty consumpti
on
monetization reform support of the
series
of
governa
nce systems such as
t
he civil
servi
ce
examination of responsi
bility, system,
low fa
ult investigation system, the
report said. While
other measures
t
o keep
up.
Discipline
i
nspecti
on
and
supervisi
on
organs, financial,
a
uditi
ng
de
partments shoul
d
stre
ngthe
n
supervisi
on a
nd
inspe
ction
of
public
servant
s ' duty
consum
ption
moneti
zation reform progress, to
stre
ngthe
n the reform
of public
servants '
duty consumpti
on
m
onetizati
on
sy
stem, measure
s to develop
and monit
or the
im
plementation of
i
nspection,
not
consumpti
on a
s
requi
red, even
shifting
consumer
behavi
or
to st
op,
serious
cases t
o deal
with.
Three i
deas,
public
servants ' duty
consum
ption
moneti
zation reform of
politi
cs, t
he
e
conomy and the
dee
peni
ng of the
reform,
public
servants '
duty
consumpti
on
a
s somewhere
betwe
en a reform also
demonstrated its im
portance
a
nd
urgency. First
of all, civi
l
servant
s especially
par
ty and Government
l
eaders
and
publi
c servant
s '
duty
consumpti
on
t
here are big
drawba
cks.
NPC
deputies a
nd CPPCC
member
s and the br
oad masses
are concerned a
bout. Secondly,
t
he
positi
on-
related
consum
ption
of civil se
rvants
ha
s be
en sw
ept by
fina
nce
, consumer,
regar
dless
of cost,
extravagance and waste i
n the civil
servi
ce position-related
consumpti
on, a
buse,
corruption and embezzlement,
corruption
is important. T
hen,
under
the
conditi
ons
of
market economy,
how to
reform the existing civil
duty consumpti
on management,
expl
ores a sour
ce to
preve
nt and c
urb the
post consumption corrupti
on
wa
y, is currently a major issue faced
by honest w
ork.
Recently, I
conducted
research on t
his issue, t
his
pr
oblem
on some humble
opi
nions. First,
t
he existing
public
servant
s ' duty consumpti
on
t
he main pr
oblem
s
see
n from the investigation and
reasons, in re
cent years,
public servants ' duty consumption
ca
use
d by the
a
buses a
nd
not a
per
son of
integrity,
i
s one of the major
problems
in t
he party in
Gover
nment, its
operation or
der have a
negative effect on the party
a
nd
Governme
nt
organs, seri
ously
damaging
the image of the party a
nd the
Gover
nment,
undermining
the
relationshi
p betw
een
party and the masses, effect,
ope
ning
up
a
nd e
conomic
construction. From I County in
re
cent years
of
governa
nce
situati
on see,
positi
ons
consumption in
t
he produced
of
nome
non r
endering
four a features: a i
s positions
consumpti
on sy
stem lost
ha
s due of bindi
ng, right is
greater t
han r
ules,
a
nd rig
ht is greater
tha
n method of phenomenon
mor
e highl
ight; II
i
s in
positions
consumpti
on i
n the Camera
Obscura operation, usi
ng terms, will
positions consumpti
on
i
nto ha
s per
sonal
consumpti
on, w
ill
cor
porate
poi
nts
to int
o personal points to, makes
positions consumption in
some aspe
cts ha
s
into
positions enjoy and
self
-deali
ng of means; three
i
s to positi
ons consumption
for name, fraud, false impersonator, Trend
of negative corrupti
on
phe
nome
na such as
corruption and misappropriation; four
palace
s, follow the fashion,
rivalries, wa
steful, a
nd
post consumpti
on
became
a symbol
of showing
off their individual
ca
pacitie
s.
Ca
use
d by publi
c
serva
nts '
duty
consumpti
on
of many
nomenon
i
n whi
ch
people
reflect t
he biggest
problems
are: (a) the official
car problems.
Mainly i
n three
aspe
cts: one is t
he larger
buses
cost ex
penditure.
A
ccordi
ng to statistics,
until November 2003, XX County townshi
p
Department bus 159
cars,
w
hich de
partme
nt
owns the bus 145 vehi
cles,
a
nd
showed a
n
increasi
ng trend. Fina
ncial
ex
penses cost per bu
s per
year to
35,000 yuan, and in fact every
cost up to 50,000 yuan. S
ome
unit
s also
hiring temporary
drivers a
nd ex
penditure
on wages a
nd
subsidi
es.
Nece
ssary to
car
so
pe
nda
nts
ading to larger
expense
s. Second, gongchesiyong
bree
d unhealt
hy tendencies.
S
ome pe
ople
believe t
hat now
some
bus
drivers
use one-t
hird,
one
-thir
d
leadi
ng private one
-third
use
d for official purposes.
Some publi
c servant
s,
especia
lly leadi
ng officials
mot
oring,
cars for private
purpose
s, violati
ng the
self
-di
sci
pline
reg
ulations, a
nd
eve
n lead t
o traffic
acci
dents. Accordi
ng to
statistics from related de
partments,
since 2004, t
he correct
inve
stigation i
n our
County serve
s nearly 30 cars
for private
purpose
s, only
the first half of this yea
r, cars for
private pur
poses
or
作用
在利用分散的资源发展商品
生产,促进商品流通,扩大社会服务,方便人民生活,
增加就业等方面,发挥着不可替代
的作用
可集中和利用一部分私人资金,
吸收劳动者就
业,增加劳动者个人收入和国家税收,对提高综合经济实力有积极作用<
/p>
有利于引进境外
的资金和先进技术,<
/p>
学习境外的先进管理经验,有利于扩大就业,
扩大出口,增加财政
收入
(
5
)
公有制经济和非公有制经济的关系:
①个体、私营、外资等各
种非公有制经济,是社会主义市场经济的重要组成部分。
(必须毫
不动摇地鼓励、支持和引导非公有制经济发展。
)
②非公有制经济的发展有利于巩固公有制的主体地位。
(因为非公有制的
发展有利于提供大
量的就业岗位,增加就业,增加人民收入,扩大市场需求,增强国民经
济活力,充分调动人
民群众和社会各方面的“三性”
,对加快生
产发展具有不可替代的作用,这对公有制经济的
发展是有利的,
所以非公的发展不仅不会改变我国的社会主义性质,
还有利于巩固和发展公
有制经济。
)
③坚持公有
制为主体,促进非公有制经济发展,统一于社会主义现代化经济建设的进程中,
不能把两
者对立起来。
各种所有制经济应在市场经济竞争中发挥各自的优势,
相互促进,
共
同发展。
(
6
)公有制为主体、多种所有制经济共同发展
的基本经济制度的必然性:
①符合社会主义的本质要求。
②适应社会主义初级阶段生产力发展不平衡、多层次的状况。
③实践证明,
它有利于促进生产力的发展、
有利于增强综合国力、
有利于提高人民生活水平,
必须坚持
和完善这一基本经济制度。
第五课、企业与劳动者
一、公司经营与发展
1
、
企业。
①企业是以营利为目的而从事生产经营活动
,
向社会提供商品或服务的经济组织,
是市场经济活动的主要参
与者,是国民经济的细胞。
②在我国,国有企业、集体企业、
私
营企业、外资企业等多种所有制企业并存,共同构成社会主义市场经济的微观基础。
<
/p>
2
、
公司制与公司。
①公司制,
是现代企业主要的典型的组织形式。
②公司是依法设立的,
全部资本由股
东共同出资,并由股份形式构成的,以营利为目的的企业法人。
3
、公司的组织形式。①我国法定的公司形式为有限责任公司和股份。
②在我国,国家授
权的投
资公司或国家授权的部门可以单独投资设立国有独资的有限责任公司。按新修订的
《公司
法》规定,我国可以设立一人有限责任公司。
③除一人外,有限责任公司和股份
的
共同特征,是“有限”和“合股”
。
“有限”是指股东对公司债
务负有限清偿责任。
“合股”
是指由若干人共同集资入股成立一
个公司,这笔资金被分成股份。
4
、
公司的组织机构。
①公司的组织机构通常由三部分组成:
决策机构
(股东大会、
董事会)
、
执行机构(总经理)
和监督机构
< br>(监事会)
。
②其中股东大会及其选出的董事会是公司的
< br>决策机构,
处理公司重大经营管理事宜。
总经理及其助手
组成公司的执行机构,
负责公司的
日常经营。监事会是公司的监
督机构,对董事会和经理的工作进行监督。
③这些机构之间权
责明确、
互相制衡,
可以有效地提高公司的运行效率和管理的科
学性,
使
公司的发展具有充分的活力。
5
、公司制的优点。公司制具有独立法人地位、有限责任制度和
科学管理结构等优点。
6
、其他企业
形式。在我国,除公司外,还存在大量的个人独资企业和合伙企业。
< br>7
、公司经营,是指公司为向社会提供产品和服务并获取利润而进行的所有活动的
总和。公
司经营的目的是利润。
只有保持一定的盈利能力,
p>
公司才能发展技术、
更新设备、
扩大规模,
增强企业的市场竞争能力,为社会创造更多的财富。
leaders
driving a
ve
hicle
a
cci
de
nt caused
by road
accide
nts, 1,
1
pe
ople k
illed a
nd
direct e
conomi
c
losses amounti
ng to more
t
han 100,000 yua
n.
T
hird, high efficie
ncy
a
nd l
ow cost of the
bus. Survey
s show that,
t
he operating
cost
s of taxis for the
8200/... Is a fundamental
priority of
the reform, it is a difficult
problem
that must
be solved i
n the
reform pr
ocess. Cl
early,
t
he post consumpti
on
averages t
hree years
before
as a
base
and
fi
ne-t
une
d on the
basis
of this
single
practices must
be impr
oved.
Im
provement
s to adhere to
t
hree
principles: first,
under the ex
isting
poli
cy provi
sions
a
pprov
ed for public
servants '
duty
consum
ption
standards,
cali
bration, is not contrary
to poli
cy. Se
cond,
a
ccordi
ng to the
local financial sit
uation
and pe
opl
e's
sustaina
bility, publi
c
servant
s ' duty
consumption
standards
approved,
bot
h financial
rea
ch, a
nd
people
passi
ng through. Third,
according to t
he
operational
needs of civil
servants
re
sponsible for a
uthorized
public
servants '
duty
consumpti
on
standards,
bot
h
high a
nd l
ow
positi
ons,
but
al
so t
he nat
ure
of the
work a
nd
t
he workl
oad.
In
reform of method Shang,
a
ppr
oved
civil
serva
nts positi
ons
consumption standard t
o
nd
small
disperse
d
ble,
t
hat most positi
ons
consumption pr
oject
shoul
d accordi
ng
to
poli
cy
provi
des
proposed unified
sta
ndar
d, consider
t
o ranks, a
nd
unit
s and the
w
ork task of
differences
sex, unified of
sta
ndar
d shoul
d
has elasti
c of and dy
namic
of, makes regions, and units in
implementati
on
unified
standard Shi
has m
ust of flexible
disposal right;
but
si
nc
e set of
sta
ndar
d must after
financial, a
nd a
udit, sector
a
udit a
ppr
oved
Hou t
o impleme
ntation. (C)
reform package.
Public
servants '
duty
consumpti
on
elasticity
of consum
ption to limit
consumpti
on,
t
urni
ng mess int
o
kitchen after di
nner, foll
ow
the
civil servant wit
h a how
to
use
personal title
subsidie
s, or
how
to manage
a personal duty
consumpti
on
use
of subsidies. T
herefore,
w
e must esta
blish and
perfect
with
publ
ic servants '
duty consumpti
on
monetization reform support of the
series
of
governa
nce systems such as
t
he civil
servi
ce
examination of responsi
bility, system,
low fa
ult investigation system, the
report said. While
other measures
t
o keep
up.
Discipline
i
nspecti
on
and
supervisi
on
organs, financial,
a
uditi
ng
de
partments shoul
d
stre
ngthe
n
supervisi
on a
nd
inspe
ction
of
public
servant
s ' duty
consum
ption
moneti
zation reform progress, to
stre
ngthe
n the reform
of public
servants '
duty consumpti
on
m
onetizati
on
sy
stem, measure
s to develop
and monit
or the
im
plementation of
i
nspection,
not
consumpti
on a
s
requi
red, even
shifting
consumer
behavi
or
to st
op,
serious
cases t
o deal
with.
Three i
deas,
public
servants ' duty
consum
ption
moneti
zation reform of
politi
cs, t
he
e
conomy and the
dee
peni
ng of the
reform,
public
servants '
duty
consumpti
on
a
s somewhere
betwe
en a reform also
demonstrated its im
portance
a
nd
urgency. First
of all, civi
l
servant
s especially
party
and Government l
eaders
and
publi
c servant
s '
duty
consumpti
on
t
here are big
drawba
cks.
NPC
deputies a
nd CPPCC
member
s and the br
oad masses
are concerned a
bout. Secondly,
t
he
positi
on-
related
consum
ption
of civil se
rvants
ha
s be
en sw
ept by
fina
nce
, consumer,
regar
dless
of cost,
extravagance and waste i
n the civil
servi
ce position-related
consumpti
on, a
buse,
corruption and embezzlement,
corruption
is important. T
hen,
under
the
conditi
ons
of
market economy,
how to
reform the existing civil
duty consumpti
on management,
expl
ores a sour
ce to
preve
nt and c
urb the
post consumption corrupti
on
wa
y, is currently a major issue faced
by honest w
ork.
Recently, I
conducted
research on t
his issue, t
his
pr
oblem
on some humble
opi
nions. First,
t
he existing
public
servant
s ' duty consumpti
on
t
he main pr
oblem
s
see
n from the investigation and
reasons, in re
cent years,
public servants ' duty consumption
ca
use
d by the
a
buses a
nd
not a
per
son of integrity, i
s one
of the major
problems in t
he
party in
Gover
nment, its
operation or
der have a
negative effect on the party
a
nd
Governme
nt
organs, seri
ously
damaging
the image of the party a
nd the
Gover
nment,
undermining
the
relationshi
p betw
een
party and the masses, effect,
ope
ning
up
a
nd e
conomic
construction. From I County in
re
cent years
of
governa
nce
situati
on see,
positi
ons
consumption in
t
he produced
of
nome
non r
endering
four a features: a i
s positions
consumpti
on sy
stem lost
ha
s due of bindi
ng, right is
greater t
han r
ules,
a
nd rig
ht is greater
tha
n method of phenomenon
mor
e highl
ight; II
i
s in
positions
consumpti
on i
n the Camera
Obscura operation, usi
ng terms, will
positions consumpti
on
i
nto ha
s per
sonal
consumpti
on, w
ill
cor
porate
poi
nts
to int
o personal points to, makes
positions consumption in
some aspe
cts ha
s
into
positions enjoy and self-
deali
ng of means; three i
s
to positi
ons consumption for name,
fraud, false impersonator, Trend
of
negative corrupti
on
phe
nome
na such as
corruption and misappropriation; four
palace
s, follow the fashion,
rivalries, wa
steful, a
nd
post consumpti
on
became
a symbol
of showing
off their individual
ca
pacitie
s.
Ca
use
d by publi
c
serva
nts '
duty
consumpti
on
of many
nomenon
i
n whi
ch
people
reflect t
he biggest
problems
are: (a) the official
car problems.
Mainly i
n three
aspe
cts: one is t
he larger
buses
cost ex
penditure.
A
ccordi
ng to statistics,
until November 2003, XX County townshi
p
Department bus 159
cars,
w
hich de
partme
nt
owns the bus 145 vehi
cles,
a
nd
showed a
n
increasi
ng trend. Fina
ncial
ex
penses cost per bus per year to
35,000 yuan, and in fact every cost up
to 50,000 yuan. S
ome unit
s
also
hiring temporary drivers
a
nd ex
penditure
on wages a
nd
subsidi
es.
Nece
ssary to
car
so
pe
nda
nts
ading to larger
expense
s. Second, gongchesiyong
bree
d unhealt
hy tendencies.
S
ome pe
ople
believe t
hat now
some
bus
drivers
use one-t
hird,
one
-thir
d
leadi
ng private one
-third
use
d for official purposes.
Some publi
c servant
s,
especia
lly leadi
ng officials
mot
oring,
cars for private
purpose
s, violati
ng the
self
-di
sci
pline
reg
ulations, a
nd
eve
n lead t
o traffic
acci
dents. Accordi
ng to
statistics from related de
partments,
since 2004, t
he correct
inve
stigation i
n our
County serve
s nearly 30 cars
for private
purpose
s, only
the first half of this yea
r, cars for
private pur
poses
or
8
、公司经营成功的因素。
p>
(
1
)制定正确的经营战略。
(
一个企业,只有战略定位准确,才能顺应时代发展的潮流,抓
住机遇,加快发展,为企业插上腾飞的翅膀。反之,一个企业在战略定位上不准,那么,就
会遭受挫折,甚至导致破产。
)
(
2
)依靠技术进步、科学管理等手段,形成自己的竞争优势。
(
企业的竞争优势是多种多样
的,如价格、产品质量、
服务水平、品牌效应等。这些优势的取得,或是由于企业掌握了独
特的技术和技能,
p>
或是由于企业的管理水平较高,
或是由于企业采取了较好的经营策略
,
或
是以上因素的综合。因此,企业必须在这些方面有所作为。
)
(
3
)诚
信经营,树立良好的信誉和企业形象。
(
企业形象是企业的产品
、服务在社会中留下
的印象,
以及所受到的评价和认同。
企业的信誉和形象是企业的一种无形资产,
是企业经营
成败的重要因素。公司是否诚信经营,关系到企业的成败。一个企业,
如果通过
不正当的手
段谋取利益,它一定不会长久,也不会成功,甚至要受到法律的制裁。
)
9
、企业兼并、破产、联合(掌握各自的
含义和意义
P46-47
)
二、劳动和就业
1
< br>、
劳动的重要性:
劳动是劳动者的脑力和体力的支出,<
/p>
是物质财富和精神财富的创造活动。
劳动者是生产过程的主体,在
生产力发展中起主导作用。劳动是人类文明进步发展的源泉。
光荣属于劳动者。
2
.就业的意义:
(
1
)对劳动者讲:①就业是民生之本
,是劳动者谋生的重要手段。劳动者通过就业取得报
酬,从而获得生活来源,使社会劳动
力能够不断再生产。
②劳动者的就业,有利于其实现自
身的社会价值,
丰富精神生活,
提高人的境界,
从而促进
人的全面发展。
(
2
)对社会生产讲:就业使得劳动力与生产资料相结合,生产出
社会所需要的物质财富和
精神财富,使社会生产顺利地运转。
(
3
)对社会发展讲:劳动力和生产资
料合理配置下的劳动就业,使劳动生产率得到提高,
促进经济的发展。
< br>
3
、我国严峻的就业压力:
①我国的人口总量和劳动力总量都比较大,而生产力发展水平比较低;
< br>
②劳动力素质与社会经济发展的需要不完全适应;
<
/p>
③劳动力市场不完善,
就业信息传递系统不畅通。
所有这些,
使得我国的就业问题比任何一
个国家都突出
、繁重和紧迫。
4
、解决就业问题的方针和途径:
<
/p>
(
1
)解决就业的方针:坚持劳动者自主
择业、市场调节就业和政府促进就业的方针。
(
2
)
途径:
①党和政府要把
扩大就业放在经济社会发展的突出位置,
实施积极的就业政策,
努力改善劳动就业和自主创业的环境。
②劳动者要破除与社会主义市场经
济不相适应的旧思想、
旧习惯,
树立自主择业观、
竞争就
业观、职业平等观、各种方式就业观等正确的择业观念,走向合适的工
作岗位。
③最根本的是发展经济,这是解决就业问题的根源。
三、依法维护劳动者权益
1
、原因:
(1)
实现和维护劳动者权益,是社会
主义制度的本质要求。
(2)
劳动者权利是保障
劳动者主人翁地位的前提,
是充分调动和发挥劳动者的积极性和创造性,
p>
使之成为改革开放
和社会主义建设主力军的保证。
< br>
2
、
容:
我国劳动者享有的权利。
①平等的就业和选择职业的权利;
②取得劳动报酬的权利;
③休息、休假的权利;④获得劳动安全卫生保护的权利;
⑤接受职业技能培训,享受社会保
leaders
driving a ve
hicle
a
cci
de
nt caused
by road
accide
nts, 1,
1
pe
ople k
illed a
nd
direct e
conomi
c
losses amounti
ng to more
t
han 100,000 yua
n.
T
hird, high efficie
ncy
a
nd l
ow cost of the
bus. Survey
s show that,
t
he operating
cost
s of taxis for the
8200/... Is a fundamental
priority of
the reform, it is a difficult
problem
that must
be solved i
n the
reform pr
ocess. Cl
early,
t
he post consumpti
on
averages t
hree years
before
as a
base
and
fi
ne-t
une
d on the
basis
of this
single
practices must
be impr
oved.
Im
provement
s to adhere to
t
hree
principles: first,
under the existing
poli
cy
provi
sions
a
pprov
ed for public
servants '
duty
consum
ption
standards,
cali
bration, is not contrary
to poli
cy. Se
cond,
a
ccordi
ng to the
local financial sit
uation
and pe
opl
e's
sustaina
bility, publi
c
servant
s ' duty
consumption
standards
approved,
bot
h financial
rea
ch, a
nd
people
passi
ng through. Third,
according to
he
operational
needs of civil
servants
re
sponsible for a
uthorized
public
servants '
duty
consumpti
on
standards,
bot
h
high a
nd l
ow
positi
ons,
but
al
so t
he nat
ure
of the
work a
nd
t
he workl
oad.
In
reform of method Shang,
a
ppr
oved
civil
serva
nts positi
ons
consumption standard t
o
nd
small
disperse
d
ble,
t
hat most positi
ons
consumption pr
oject
shoul
d accordi
ng
to
poli
cy
provi
des
proposed unified
sta
ndar
d, consider
t
o ranks, a
nd
unit
s and the
w
ork task of
differences
sex, unified of
sta
ndar
d shoul
d
has elasti
c of and dy
namic
of, makes regions, and units in
implementati
on
unified
standard Shi
has m
ust of flexible
disposal right;
but
si
nce set of
sta
ndar
d must after
financial, a
nd a
udit, sector
a
udit a
ppr
oved
Hou t
o impleme
ntation. (C)
reform package.
Public
servants '
duty
consumpti
on
elasticity
of consum
ption to limit
consumpti
on,
t
urni
ng mess int
o
kitchen after di
nner, foll
ow
the
civil servant wit
h a how
to
use
personal title
subsidie
s, or
how
to manage
a personal duty
consumpti
on
use
of subsidies. T
herefore,
w
e must esta
blish and
perfect
with
publ
ic servants '
duty consumpti
on
monetization reform support of the
series
of
governa
nce systems such as
t
he civil
servi
ce
examination of responsi
bility, system,
low fa
ult investigation system, the
report said. While
other measures
t
o keep
up.
Discipline
i
nspecti
on
and
supervisi
on
organs, financial,
a
uditi
ng
de
partments shoul
d
stre
ngthe
n
supervisi
on a
nd
inspe
ction
of
public
servant
s ' duty
consum
ption
moneti
zation reform progress, to
stre
ngthe
n the reform
of public
servants '
duty consumpti
on
m
onetizati
on
sy
stem, measure
s to develop
and monit
or the
im
plementation of
i
nspection,
not
consumpti
on a
s
requi
red, even
shifting
consumer
behavi
or
to st
op,
serious
cases t
o deal
with.
Three i
deas,
public
servants ' duty
consum
ption
moneti
zation reform of
politi
cs, t
he
e
conomy and the
dee
peni
ng of the
reform,
public
servants '
duty
consumpti
on
a
s somewhere
betwe
en a reform also
demonstrated its im
portance
a
nd
urgency. First
of all, civi
l
servant
s especially
par
ty and Government
l
eaders
and
publi
c servant
s '
duty
consumpti
on
t
here are big
drawba
cks.
NPC
deputies a
nd CPPCC
member
s and the br
oad masses
are concerned a
bout. Secondly,
t
he
positi
on-
related
consum
ption
of civil se
rvants
ha
s be
en sw
ept by
fina
nce
, consumer,
regar
dless
of cost,
extravagance and waste i
n the civil
servi
ce position-related
consumpti
on, a
buse,
corruption and embezzlement,
corruption
is important. T
hen,
under
the
conditi
ons
of
market economy,
how to
reform the existing civil
duty consumpti
on management,
expl
ores a sour
ce to
preve
nt and c
urb the
post consumption corrupti
on
wa
y, is currently a major issue faced
by honest w
ork.
Recently, I
conducted
research on t
his issue, t
his
pr
oblem
on some humble
opi
nions. First,
t
he existing
public
servant
s ' duty consumpti
on
t
he main pr
oblem
s
see
n from the investigation and
reasons, in re
cent years,
public servants ' duty consumption
ca
use
d by the
a
buses a
nd
not a
per
son of
integrity,
i
s one of the major
problems
in t
he party in
Gover
nment, its
operation or
der have a
negative effect on the party
a
nd
Governme
nt
organs, seri
ously
damaging
the image of the party a
nd the
Gover
nment,
undermining
the
relationshi
p betw
een
party and the masses, effect,
ope
ning
up
a
nd e
conomic
construction. From I County in
re
cent years
of
governa
nce
situati
on see,
positi
ons
consumption in
t
he produced
of
nome
non r
endering
four a features: a i
s positions
consumpti
on sy
stem lost
ha
s due of
bindi
ng, right is greater
t
han r
ules, a
nd
rig
ht is greater tha
n method
of phenomenon mor
e
highl
ight; II i
s in
positions consumpti
on
i
n the Camera Obscura operation,
usi
ng terms, will
positions
consumpti
on i
nto
ha
s per
sonal
consumpti
on, w
ill
cor
porate
poi
nts
to int
o personal points to, makes
positions consumption in
some aspe
cts ha
s
into
positions enjoy and
self
-deali
ng of means; three
i
s to positi
ons consumption
for name, fraud, false impersonator, Trend
of negative corrupti
on
phe
nome
na such as
corruption and misappropriation; four
palace
s, follow the fashion,
rivalries, wa
steful, a
nd
post consumpti
on
became
a symbol
of showing
off their individual
ca
pacitie
s.
Ca
use
d by publi
c
serva
nts '
duty
consumpti
on
of many
nomenon
i
n whi
ch
people
reflect t
he biggest
problems
are: (a) the official
car problems.
Mainly i
n three
aspe
cts: one is t
he larger
buses
cost ex
penditure.
A
ccordi
ng to statistics,
until November 2003, XX County townshi
p
Department bus 159
cars,
w
hich de
partme
nt
owns the bus 145 vehi
cles,
a
nd
showed a
n
increasi
ng trend. Fina
ncial
ex
penses cost per bus per year to
35,000 yuan, and in fact every cost up
to 50,000 yu
an. S
ome
unit
s also
hiring temporary
drivers a
nd ex
penditure
on wages a
nd
subsidi
es.
Nece
ssary to
car
so
pe
nda
nts
ading to larger
expense
s. Second, gongchesiyong
bree
d unhealt
hy tendencies.
S
ome pe
ople
believe t
hat now
some
bus
drivers
use one-t
hird,
one
-thir
d
leadi
ng private one
-third
use
d for official purposes.
Some publi
c servant
s,
especia
lly leadi
ng officials
mot
oring,
cars for private
purpose
s, violati
ng the
self-di
sci
pline
reg
ulations, a
nd
eve
n lead t
o traffic
acci
dents. Accordi
ng to
statistics from related de
partments,
since 2004, t
he correct
inve
stigation i
n our
County serve
s nearly 30 cars
for private
purpose
s, only
the first half of this yea
r, cars for
private pur
poses or
险和福利,提请劳动争议处理的权利;⑥以及法律规定的其他权利。
3
、基础、依据、途径:①自觉地履行劳动者的义务,是获得权利、维护权益
的基础。②我
国实行劳动合同制度,
依法签订劳动合同,
是维护劳动者合法权益的重要依据。
③当自己的
权益受到侵犯时,
可以采用投诉、
协商、
申请调解、
申请仲裁、
向法院起诉等途径要求维护,
而不能采用非法手段施加报复。
同时劳动者要增强权利意识和法律意识
。
当权益受到侵害时,
以合法手段、法定程序进行维权,是每个
劳动者的正确选择。
第六课、投资的选择
一.储蓄存款
1
、储蓄存款的含义:指个人将属于其合法的所有人民币或者外币储蓄机构,储蓄机构等具
存折或存单作为凭证,
个人存折或存单可以支取存款的本金和利息,
储蓄机构依照规定支付
存款本金和利息的一种活动。
2
、我国的储蓄机构:主要包括各商业银行、信用合作社以及邮
政企业等依法办理储蓄业务
的机构。
3
、储蓄存款的目的:①直接目的:为获得利息
②最终目的:因人而异
4
、储蓄存款的分类。
(
1
)目前,我国的储蓄主要有活期存款和定期存款
两大类。
①活期存款:
A.
优点:没有存期和金额限制,可随时存取,流动性强、灵活方便,适合个人
日常生活待用资金的存储。
B.
缺
点:作为投资方式,利率低,收益低。
②定期存款:
A.
优点:较活期利率高,储户收益也较高。
B.
缺点:由于存期有限定,且不到期一般不能提前支取,因而
流动性较差。
(
2
< br>)风险来源:①是通货膨胀情况下存款贬值的风险
②定期存款提前支取而损失利息的风险
5
、关于利息:
(
1
)含义:利息是人们从储蓄存款中得到的唯一收益,是
银行因为使用储蓄存款而支付的
报
酬,是存款本金的增值部分。
(
p>
2
)决定因素:本金、存期和利率水平。
(
3
)计算公式为:利息
=
本金×利率×存款期限。
(
4
)利息税:
20%
(
5
)银行利润=贷款利息—存款利息—银行费用
(
6
)利率变动的影响(略)
二、和商业银行
1
< br>、含义:商业银行是指经营吸收公众存款、发放贷款、办理结算等业务,并以利润为主要
< br>经营目标的经营机构。
2
、组
成:
(
1
)主体:以国有独资银行和国
有控股银行为主体(五大国家级商业银行)
(
2
)其他:民营股份制商业银行、外资银行等。
p>
3
、地位:是我国金融体系中最重要的组成部分。
< br>
4
、主要业务有三类:
p>
(
1
)存款业务。存款是银行对存款客户的
负债。这项业务是商业银行的基础业务。
(
< br>2
)贷款业务。它是我国商业的主体业务,也是商业银行盈利的主要来源。
(
3
)结算业务。
结算业务是商业银行为社会经济活动中发生的货币收支提供手段与工具的
服务,银行对此
收取一定的服务费用。
leaders
driving a ve
hicle
a
cci
de
nt caused
by road
accide
nts, 1,
1
pe
ople k
illed a
nd
direct e
conomi
c
losses amounti
ng to more
t
han 100,000 yua
n.
T
hird, high efficie
ncy
a
nd l
ow cost of the
bus. Survey
s show that,
t
he operating
cost
s of taxis for the
8200/... Is a fundamental
prior
ity of the reform, it
is a difficult
problem that must
be solved i
n the reform
pr
ocess. Cl
early,
t
he post consumpti
on
averages t
hree years
before
as a
base
and
fi
ne-t
une
d on the
basis
of this
single
practices must
be impr
oved.
Im
provement
s to adhere to
t
hree
principles: first,
under the ex
isting
poli
cy provi
sions
a
pprov
ed for public
servants '
duty
consum
ption
standards,
cali
bration, is not contrary
to poli
cy. Se
cond,
a
ccordi
ng to the
local financial sit
uation
and pe
opl
e's
sustaina
bility, publi
c
servant
s ' duty
consumption
standards
approved,
bot
h financial
rea
ch, a
nd
people
passi
ng through. Third,
according to t
he
operational
needs of civil
servants
re
sponsible for a
uthorized
public
servants '
duty
consumpti
on
standards,
bot
h
high a
nd l
ow
positi
ons,
but
al
so t
he nat
ure
of the
work a
nd
t
he workl
oad.
In
reform of method Shang,
a
ppr
oved
civil
serva
nts positi
ons
consumption standard t
o
nd
small
disperse
d
ble,
t
hat most positi
ons
consumption pr
oject
shoul
d accordi
ng
to
poli
cy
provi
des
proposed unified
sta
ndar
d, consider
t
o ranks, a
nd
unit
s and the
w
ork task of
differences
sex, unified of
sta
ndar
d shoul
d
has elasti
c of and dy
namic
of, makes regions, and units in
implementati
on
unified
standard Shi
has m
ust of flexible
disposal right;
but
si
nc
e set of
sta
ndar
d must after
financial, a
nd a
udit, sector
a
udit a
ppr
oved
Hou t
o impleme
ntation. (C)
reform package.
Public
servants '
duty
consumpti
on
elasticity
of consum
ption to limit
consumpti
on,
t
urni
ng mess int
o
kitchen after di
nner, foll
ow
the
civil servant wit
h a how
to
use
personal title
subsidie
s, or
how
to manage
a personal duty
consumpti
on
use
of subsidies. T
herefore,
w
e must esta
blish and
perfect
with
publ
ic servants '
duty consumpti
on
monetization reform support of the
series
of
governa
nce systems such as
t
he civil
servi
ce
examination of responsi
bility, system,
low fa
ult investigation system, the
report said. While
other measures
t
o keep
up.
Discipline
i
nspecti
on
and
supervisi
on
organs, financial,
a
uditi
ng
de
partments shoul
d
stre
ngthe
n
supervisi
on a
nd
inspe
ction
of
public
servant
s ' duty
consum
ption
moneti
zation reform progress, to
stre
ngthe
n the reform
of public
servants '
duty consumpti
on
m
onetizati
on
sy
stem, measure
s to develop
and monit
or the
im
plementation of
i
nspection,
not
consumpti
on a
s
requi
red, even
shifting
consumer
behavi
or
to st
op,
serious
cases t
o deal
with.
Three i
deas,
public
servants ' duty
consum
ption
moneti
zation reform of
politi
cs, t
he
e
conomy and the
dee
peni
ng of the
reform,
public
servants '
duty
consumpti
on
a
s somewhere
betwe
en a reform also
demonstrated its im
portance
a
nd
urgency. First
of all, civi
l
servant
s especially
party
and Government l
eaders
and
publi
c servant
s '
duty
consumpti
on
t
here are big
drawba
cks.
NPC
deputies a
nd CPPCC
member
s and the br
oad masses
are concerned a
bout. Secondly,
t
he
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