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This paper aims to develop and estimate a logit model of whether homeownership could be promoted by participation in and use of the Housing Provident Fund (HPF) program, with a focus on factors that influence the use of HPF loans.

This paper develops and estimates a logit model of whether homeownership could be promoted by participation in and use of the HPF program, with a focus on factors that influence the use of HPF loans.

The results show that coefficients of marital status, educational level, age, duration of employment and employer are significantly related to the use of HPF loan for homeownership.

Because of the chosen research approach, the research results may lack generalizability.

The research findings provide a better understanding of homeowners’ characteristics.

To manage the HPF program effectively, it is important for government to have a better understanding of the underlying demand for homeownership, especially with respect to the different demographic variables and accessibility to HPF loans and the HPF.

The purpose of this paper is to examine the effects of chief executive officer (CEO) vega on firm policies in the Australian share market based on a panel data set drawn from the 137 Australian public firms for the period 2003-2012.

To allow mutual causation between our variables, the authors use the two-stage least squares estimation method, controlling for firm fixed effects. The authors use the difference-in-differences model to test whether the 2009 Australian tax reforms may discourage high-vega CEOs to take value-enhancing risks.

The authors find the evidence that vega induces CEOs to adopt the riskier financial policy in the Australian capital market. This evidence is further supported by the negative association between vega and firm conservative activities including cash and hedging policies. Further, the result shows that the 2009 tax reforms reduce the CEOs’ willingness to engage in risky financial policy. This finding implies that regulators may restore the 2009 reforms’ “deferred tax point” back to its pre-2009 form.

Based on the study’s results, firms should grant CEOs more out-of-the money options with a longer time to expiration to offset the 2009 tax reforms’ negative impact on the CEO’s incentive to take value-enhancing risks.

This paper aims to investigate the determinants of default mortgage in China and the factors affecting the mortgage amount granted by Chinese banks.

This paper employs the credit scoring model to investigate the determinants of default mortgage in China and the factors affecting the mortgage amount granted by Chinese banks.

Using a proprietary dataset from branches of the Construction Bank of China containing information on all mortgages offered to borrowers from 2004 to 2009 1st quarter, the paper documents that borrower rating, mortgage rate and mortgage duration are significantly related to default rate and mortgage amount. These findings suggest that Chinese banks' mortgage lending are based on commercial basis. This helps to reduce the likelihood of a real estate bubble in China.

The findings in this paper argued that a good credit scoring model has the ability to detect bad loans; this could help the bank to reduce the loan losses from loan default. Consequently, it can improve the profitability and the financial stability of the bank.

This research would benefit both lender and borrowers. Lenders can apply an objective evaluation technique with a standard process and criteria to appraise their customer's credit risks and creditworthiness. A good credit risk management tool can effectively control risk selection, manage credit losses, evaluate new loan programs, improve loan approval processing time, and ensure that existing credit criteria are sound and consistently applied.

The purpose of this paper is to examine the effects of borrowers' quality on the size of market reaction to bank loan announcements in the Chinese financial market, where poor quality borrowers are prevalent and the banking system is highly controlled by the Chinese government.

The paper uses different measures to proxy for borrower quality, including the borrowers' information opaqueness, possibility of expropriation and their financial status. A cross‐sectional regression analysis was conducted to investigate the relationship between the market response to bank loan announcements and the borrowers' quality.

It is revealed that the negative market response to bank loan announcements is particularly significant for borrowing firms with lower quality, including firms that are opaque, have a higher possibility of expropriation or tunnelling, have ineffective expropriation‐reduction mechanisms, are controlled by the state and are in financial distress, for the sample period 1996 to 2009. Furthermore, to test whether there is any significant difference on the effects of the borrowers' quality on the size of the market response to bank loan announcements following China's announcement of share‐split reform in 2005, this paper splits the sample period into sub samples, 1996 to 2004 and 2004 to 2005. The results on the effects of the borrowers' quality on the size of market response to bank loan announcements for the sub sample period 1996 to 2004 are similar to those for the full sample 1996 to 2009.

The paper's findings imply that the reforms in the Chinese financial market since 2005 do not have any significant effects on the borrowers' quality on the size of the market response to bank loan announcements for the full sample period.

This paper differs from previous studies in regards to the sample period and the measurements of the possibility of expropriation or tunnelling. The paper contributes to the banking and corporate governance literature.

With the rapid increase in the consumption of electrical and electronic innovations, responsible management and recycling of electronic waste (e-waste) or waste electrical and electronic equipment (WEEE) has been a significant concern for the governments, stakeholders, researchers and industry practitioners around the world. Consumer awareness, disposal behaviour and perception are chief facets of designing sustainable management strategies. Although researchers have widely studied e-waste over many years, the research focusing on consumer awareness about e-waste recycling has gained momentum recently. This paper aims to systematise the existing literature and explore future research prospects on household e-waste sorting behaviour.

Web of science (WoS) core collection was searched using selected keywords to identify relevant articles published from 2001 to 2021. The search resulted in 1,156 research articles published from 2001 to 2021. After a detailed study, 85 articles were shortlisted for in-depth review. The review was conducted based on global trends, top journals, most prolific authors, most active e-waste research countries, and institutions centring on consumer participation in e-waste disposal and recycling behaviour. The present research has also identified around eleven factors that seem to have a bearing on consumer behaviour towards storage, disposal and recycling of e-waste.

E-waste research has gained increased attention in the last five years. The majority of the studies has focused on motivational factors and ignore the risks associated with handling e-waste. The present study reports the pertinent issue of lack of awareness among the masses about e-waste handling and disposal. Thus, bringing to the fore the lack of awareness programmes and initiatives. The analysis presents the gaps in the literature and future research agendas.

The review article will help in providing an in-depth understanding of consumer behaviour towards storage, disposal and recycling of e-waste and delineates the future direction of research that may be undertaken in this field of study.

In China, healthcare services have historically been expensive and difficult to access, with resources being unfairly distributed, often being centralized in large hospitals in major cities. In rural regions, hospitals often suffer from limited supplies, including human capital and equipment. E-health technologies have received significant attention from governments and citizens, with online healthcare communities (OHCs) providing easier communication between patients and doctors. Although doctors play a pivotal role in the success of OHCs, they are often unsure how to attract patients, with limited research focusing on this. The purpose of this paper is to explore how doctors can take initiatives in OHCs, from the joint perspectives of individual effort (i.e. intrapersonal factor) and identity in medical teams (MTs) (i.e. interpersonal factor), based on attribution theory.

Hierarchical linear regression was conducted on data from 3,170 doctors participating in 865 online MTs, to examine the effects of individual effort and identity in MTs on individual performance. Individual effort included central effort (log-in frequency to OHC) and peripheral effort (articles published on doctors' homepages). Identity in MTs was represented as the identity of team leader and multiple team membership (MTM).

This study found that the main variables – central and peripheral effort, and leader and MTM identity – all had significant and positive impacts on the service quantity (SQ) of both written and telephone consultations. Although positive effects could be experienced in most conditions that were congruent with the logic of identity theory, the interaction terms demonstrated complex influences. Specifically, leader identity did not moderate the effect of article effort in written consultation, while MTM identity could not moderate the relationship between frequency effort and SQ in telephone-consultation services. Further, the leader identity negatively moderated the relationship between article effort and SQ in telephone consultations. Thus, for doctors with the leader identity, the impact of article effort on SQ was weaker. In summary, both aspects were proved to play important roles in individual SQ.

This study provides empirical findings through focusing on the SQ of both written and telephone consultations in OHCs, thereby enabling healthcare providers to take initiatives and ultimately improve the efficiency and provision of delivered healthcare services. It is worth mentioning that doctors possessing the identity of team leader should be cautious that the more articles published by them may not lead to envisaged telephone-consultation performance, according to the negative moderating effect of leader identity on the relationship between article effort and SQ during telephone consultations.

This study contributes to the OHC literature by investigating how doctors' efforts and identity in OHCs affect individual performance, based on attribution theory and identity theory. Further, we provide healthcare practitioners with an improved understanding of these dimensions to improve autonomy regarding service provision in OHCs.

Online medical teams (MTs), involving collaboration between remote healthcare workers, can provide comprehensive and rapid healthcare to patients. The growth in MTs is continuing, with popularity growing among doctors and patients, but some MTs disband, which could break the continuity of healthcare services provided. We aim to address this pressing issue by exploring the effects of team diversity and leadership types on team status (i.e. team disbandment (TD)). This paper systematically investigates the influences of team diversity, including separation, variety and disparity diversity and the effects of leadership types, including strong, equal and weak types.

A data set consisting 1,071 online MTs was collected from the Good Doctor website, a leading Chinese online health community (OHC), on January 10, 2018. The data captured included 206 teams which disbanded after 3 months collaboration. Logistic regression and maximum likelihood estimation (MLE) were used to examine their effects.

The results show that variety diversity, related to departments, positively affects TD, but disparity diversity, referring to clinician titles, negatively affects TD. Separation diversity, in terms of team member attitudes, exerts a negligible influence on disbandment. Although strong and equal leadership types negatively influence TD, they are seen to strengthen the positive effect of variety diversity, suggesting stable structure combinations of strong or equal-type leadership and low department diversity, as well as the match of weak-type leadership and high department diversity.

This paper extends the current understanding of virtual teams and OHCs by examining the role of leadership types and team diversity, and their influencing role on team status. The pairwise combinations are obtained to effectively reduce the disbandment probability of medical teams operating in OHCs, which could help platform managers, team founders and those connected with MTs deal with the team-disbandment crisis, providing both theoretical and practical implications to healthcare providers and researchers alike.

Although online reviews have become a key source of information for consumer purchasing decisions, little is known about how the concreteness of language used in these reviews influences perceptions of deception. This study aims to address this important gap by drawing on psycholinguistic research and Language Expectancy Theory to examine how and when the concreteness of online reviews (abstract vs concrete) impacts consumers’ perceived deception.

Two scenario-based experiments were conducted to examine how the concreteness of online reviews (abstract vs concrete) influences consumers’ perceptions of deception, considering the mediating role of psychological distance to online reviews and the moderating effects of Machiavellianism (Mach) and reviewer identity disclosure.

Online reviews that include concrete language lead to lower perceived deception by reducing consumers’ psychological distance from the review. For consumers with higher levels of Mach, online reviews written in abstract (vs concrete) language result in higher perceived deception via psychological distance, while for consumers with lower Mach, online reviews written in concrete (vs abstract) language result in higher perceived deception via psychological distance.

To the best of the authors’ knowledge, this study is one of the first to highlight the relevance of linguistic style (i.e. concrete review vs abstract review) on consumers’ perceived deception toward online reviews in the context of e-commerce.

The framework enables managers of online retailing platforms to identify the most effective strategies to decrease consumers’ perceived deception via the appropriate utilize of linguistic styles of online reviews.

This study contributes to both theory and practice by deepening knowledge of how and when the concreteness of online reviews (abstract vs concrete) affects consumers’ perceived deception and by helping managers of online retailing platforms make the most effective\ strategies for reducing consumers’ perceived deception toward online reviews during online shopping.

The purpose of this paper is to explore the distribution of local thermal sensitivity of human body heating and the local preferred heating temperature, and the influence of this sensitive division on thermal response when heating human body in cold environment.

Eight subjects were invited to use carbon fiber heating patches in an environment of 5 and RH 50%, and eight body parts were selected to explore the heating sensitivity. By measuring the skin temperature and evaluating the subjective thermal sensation and thermal comfort, the thermal sensitivity of local body segments and the influence of single-zone and double-zone heating on human thermal response were explored.

The sensitivity of local heating on overall thermal sensation (OTS) was foot > back > chest > abdomen > waist > elbow > hand > knee. Both single-zone and double-zone heating can improve the OTS, but double-zone heating can reach thermal neutrality and thermal comfort. In order to prevent the high temperature of heating patches from damaging human body, the local skin temperature should be monitored in the design of local heating clothing, and 39.6 should be taken as the upper limit of local skin temperature.

The results provide a theoretical basis for the selection of heating position in local electric heating clothing (EHC) and the design of intelligent temperature adjustment heating clothing, improve the performance of local EHC and reduce energy consumption.

This article aims to explore the factors influencing patients' distrust toward doctors in online health community.

This study leveraged the distrust construct model and socio-technical systems theory to establish a research model. The authors used the survey method to validate the research model by developing and distributing questionnaires to online health community users. 518 valid responses were collected.

The data analysis results showed that patients' distrusting beliefs were significantly related to their distrust toward doctors in online health communities. Meanwhile, social factors included perceived egoism and lack of expertise; whereas technical factors included no structural assurance, and lack of third-party recognition.

This study not only provides a solid and comprehensive theoretical understanding of patient distrust toward doctors in online health communities but also could serve as the basis to relieve the distrust between patients and doctors in online health communities, or even in the offline environment.