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Bank Responses to Physical and Transition Risks in Lending: A Diagnostic Framework From a Systematic Literature Review 银行对贷款中的物理和过渡风险的反应:一个来自系统文献综述的诊断框架
IF 13.4 1区 管理学
Business Strategy and The Environment Pub Date : 2025-09-05 DOI: 10.1002/bse.70176
Tabea Brüggemann, Rainer Lueg
{"title":"Bank Responses to Physical and Transition Risks in Lending: A Diagnostic Framework From a Systematic Literature Review","authors":"Tabea Brüggemann, Rainer Lueg","doi":"10.1002/bse.70176","DOIUrl":"https://doi.org/10.1002/bse.70176","url":null,"abstract":"Banks face mounting pressure to integrate climate risks into lending, yet responses remain incoherent. This systematic literature review of 9034 studies synthesizes 68 peer‐reviewed articles and develops a behavioral typology of five bank responses: recovery, containment, repricing, reallocation, and relational transformation. Responses vary by risk type, visibility, and salience. Acute, unexpected physical risks (nine studies) trigger recovery lending, while expected (five) or chronic risks (12) lead to containment or repricing. Transition risks (42) are more consistently priced when indicators are quantifiable and policy‐aligned; softer ESG signals elicit conditional responses. Asymmetries arise: recovery and containment occur only for physical risks, while strategic reallocation remains rare. Carbon‐intensive firms are penalized, while green firms benefit only when performance is credible and verifiable. We propose a diagnostic framework to evaluate climate risk management in lending, providing a novel tool to assess climate risk integration in bank lending and inform regulatory design and sustainability‐oriented strategy.","PeriodicalId":9518,"journal":{"name":"Business Strategy and The Environment","volume":"40 1","pages":""},"PeriodicalIF":13.4,"publicationDate":"2025-09-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"145003145","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":1,"RegionCategory":"管理学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
None of my business: The impact of anthropomorphism on helping behavior in access-based consumption 与我无关:拟人化对基于访问的消费中的帮助行为的影响
IF 9.8 1区 管理学
Journal of Business Research Pub Date : 2025-09-05 DOI: 10.1016/j.jbusres.2025.115686
Jiuqi Chen , Peixuan Wu , Wenjin Feng , Yushi Jiang , Youqing Fan
{"title":"None of my business: The impact of anthropomorphism on helping behavior in access-based consumption","authors":"Jiuqi Chen ,&nbsp;Peixuan Wu ,&nbsp;Wenjin Feng ,&nbsp;Yushi Jiang ,&nbsp;Youqing Fan","doi":"10.1016/j.jbusres.2025.115686","DOIUrl":"10.1016/j.jbusres.2025.115686","url":null,"abstract":"<div><div>Access-based services benefit the environment by reducing energy consumption and improving resource efficiency, and thus have achieved worldwide popularity in recent years. Although anthropomorphism is common in access-based services and has considerable benefits, it may also have negative effects on these services. However, previous studies have not explored consumer proactive helping behavior after problems occur in access-based services. Therefore, the present study aimed to address this gap through four studies. Our findings demonstrated that when a shared product is in a negative state, anthropomorphism inhibits consumer helping behavior (Study 1). This effect is driven by responsibility attribution, wherein anthropomorphism (vs. non-anthropomorphism) encourages consumers to attribute the negative state to the shared product (Study 2). Notably, the negative effect of anthropomorphism on helping behavior is reversed when anthropomorphic features align with a baby schema (Studies 3a and 3b) or when consumers exhibit an interdependent self-construal (Study 4).</div></div>","PeriodicalId":15123,"journal":{"name":"Journal of Business Research","volume":"201 ","pages":"Article 115686"},"PeriodicalIF":9.8,"publicationDate":"2025-09-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"144997676","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":1,"RegionCategory":"管理学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
State versus Technology: What drives trust in and usage of internet voting, institutional or technological trust? 国家与技术:是什么推动了对互联网投票的信任和使用,是机构的信任还是技术的信任?
IF 1 1区 管理学
Government Information Quarterly Pub Date : 2025-09-05 DOI: 10.1016/j.giq.2025.102068
Bogdan Romanov , David Duenas Cid , Peeter Leets
{"title":"State versus Technology: What drives trust in and usage of internet voting, institutional or technological trust?","authors":"Bogdan Romanov ,&nbsp;David Duenas Cid ,&nbsp;Peeter Leets","doi":"10.1016/j.giq.2025.102068","DOIUrl":"10.1016/j.giq.2025.102068","url":null,"abstract":"<div><div>This study examines the combined influence of technological and institutional trust on citizens’ perceptions of and engagement with Internet voting, addressing gaps in the literature on digital governance and trust. While prior research often treats these trust dimensions separately, this article explores their interplay within the context of Estonia, which has utilized Internet voting for two decades. By constructing composite indices for technological and institutional trust through factor analysis, the study offers a novel methodological approach to operationalizing trust in digital governance (within the article, digital governance and e-governance are used interchangeably) research in general and Internet voting in particular, based on post-electoral survey data.</div><div>Applying linear and logistic regression analyses, the study explicitly examines how these trust dimensions affect citizens’ trust in Internet voting systems and their actual use of such technology. The findings reveal that institutional trust is significantly more influential than technological trust, consistently emerging as the primary driver for both trusting Internet voting and engaging in its usage. Technological trust, in contrast, demonstrates only marginal predictive strength, highlighting the greater importance citizens place on institutional legitimacy, transparency, and accountability. These results emphasize the compensatory nature of institutional trust, suggesting that robust institutional frameworks allow citizens to confidently engage with complex technological systems despite limited technical understanding. Consequently, this research enhances theoretical insights into trust dynamics within digital governance, particularly in contexts where political sensitivity and institutional credibility significantly impact technology adoption.</div></div>","PeriodicalId":48258,"journal":{"name":"Government Information Quarterly","volume":"42 4","pages":"Article 102068"},"PeriodicalIF":10.0,"publicationDate":"2025-09-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"144997730","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":1,"RegionCategory":"管理学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Factors affecting consumers’ energy curtailment behavior and purchases of energy-efficient appliances 影响消费者弃电行为及购买节能电器的因素
IF 13.1 1区 管理学
Journal of Retailing and Consumer Services Pub Date : 2025-09-05 DOI: 10.1016/j.jretconser.2025.104504
Hoang Viet Nguyen , Ninh Nguyen , Bao Ngoc Le , Simon Pervan , Tuan Duong Vu , Thi My Nguyet Nguyen
{"title":"Factors affecting consumers’ energy curtailment behavior and purchases of energy-efficient appliances","authors":"Hoang Viet Nguyen ,&nbsp;Ninh Nguyen ,&nbsp;Bao Ngoc Le ,&nbsp;Simon Pervan ,&nbsp;Tuan Duong Vu ,&nbsp;Thi My Nguyet Nguyen","doi":"10.1016/j.jretconser.2025.104504","DOIUrl":"10.1016/j.jretconser.2025.104504","url":null,"abstract":"<div><div>This study examines how environmental knowledge, environmental concerns, attitudes toward energy conservation, and perceived monetary benefits affect two types of energy conservation behaviors, i.e., curtailment behavior and purchase behavior. Using survey data from 405 consumers, partial least squares structural equation modeling shows that knowledge about energy conservation and concern about energy shortages shape attitude toward energy conservation, leading to curtailment behavior and purchasing energy-efficient appliances (EEAs). Furthermore, attitude and curtailment behavior sequentially mediate the effects of knowledge about energy conservation and concern about energy shortages on EEA purchase behavior, with perceived monetary benefits strengthening the attitude-purchase behavior relationship. While necessary condition analysis identifies general environmental concern as necessary for developing a favorable energy conservation attitude, importance-performance map analysis suggests that improving knowledge about conservation should be prioritized in policy initiatives. These insights provide implications for policymakers and practitioners, including manufacturers and retailers, by identifying multiple pathways and influencing mechanisms for promoting consumers’ energy conservation behaviors through curtailment and EEA purchases.</div></div>","PeriodicalId":48399,"journal":{"name":"Journal of Retailing and Consumer Services","volume":"88 ","pages":"Article 104504"},"PeriodicalIF":13.1,"publicationDate":"2025-09-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"145003901","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":1,"RegionCategory":"管理学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
How lack of choice to opt-out of generative artificial intelligence in traditional search engines drives consumer switching intentions: The mechanism of empowerment 传统搜索引擎中缺乏选择退出生成式人工智能的选择是如何驱动消费者转换意图的:授权机制
IF 13.1 1区 管理学
Journal of Retailing and Consumer Services Pub Date : 2025-09-05 DOI: 10.1016/j.jretconser.2025.104506
Pubali Mukherjee , Varsha Jain
{"title":"How lack of choice to opt-out of generative artificial intelligence in traditional search engines drives consumer switching intentions: The mechanism of empowerment","authors":"Pubali Mukherjee ,&nbsp;Varsha Jain","doi":"10.1016/j.jretconser.2025.104506","DOIUrl":"10.1016/j.jretconser.2025.104506","url":null,"abstract":"<div><div>The growing integration of generative artificial intelligence (AI) in traditional search interfaces is transforming how consumers search for information online. When AI-generated summaries are at the forefront without allowing users to opt out, their search experience becomes less user-driven and more system-controlled. Yet, its impact on consumer switching intentions is underexplored. Grounded in consumer empowerment and psychological reactance theories, this mixed-method research investigates how the lack of a choice feature to opt out of AI integration drives consumer switching intentions. Analyzing real-world discussions on Reddit, followed by an experiment, our findings reveal that when users lack the choice to disable AI-generated content, they feel less empowered, more intrusive, and irritated, increasing their likelihood of switching. Our findings extend interface design literature by identifying “choice to opt out of AI feature” as a critical design element for GenAI interfaces. While previous research has primarily theorized consumer empowerment in AI-enabled interfaces by focusing on autonomy, power, and control, our findings advance this literature by empirically demonstrating consumer choice as a novel and critical antecedent of empowerment. Further, we contribute to psychological reactance theory by extending it to a permanent, system-level disruption and demonstrate that the scale and permanence of reactance drive switching intentions. We provide actionable recommendations for interface designers to incorporate a toggle switch into GenAI interfaces, enabling users to choose to disable AI features. It suggests that managers may use empowerment as a strategic differentiator of interfaces to prevent consumers from migrating to alternative interfaces.</div></div>","PeriodicalId":48399,"journal":{"name":"Journal of Retailing and Consumer Services","volume":"88 ","pages":"Article 104506"},"PeriodicalIF":13.1,"publicationDate":"2025-09-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"144996546","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":1,"RegionCategory":"管理学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Service robots in hospitality: understanding employee perceptions and the role of organizational support 服务机器人在酒店业:了解员工的看法和组织支持的作用
IF 12.5 1区 管理学
Journal of Hospitality Marketing & Management Pub Date : 2025-09-05 DOI: 10.1080/19368623.2025.2553709
Trishna G. Mistry, Halyna Horpynich
{"title":"Service robots in hospitality: understanding employee perceptions and the role of organizational support","authors":"Trishna G. Mistry, Halyna Horpynich","doi":"10.1080/19368623.2025.2553709","DOIUrl":"https://doi.org/10.1080/19368623.2025.2553709","url":null,"abstract":"","PeriodicalId":47995,"journal":{"name":"Journal of Hospitality Marketing & Management","volume":"13 1","pages":""},"PeriodicalIF":12.5,"publicationDate":"2025-09-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"145002857","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":1,"RegionCategory":"管理学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
The asymmetric matching effect between destination gender and influencer gender: The role of virtual and real influencer endorsements 目的地性别与网红性别的不对称匹配效应:虚拟与真实网红代言的作用
IF 12.4 1区 管理学
Tourism Management Pub Date : 2025-09-05 DOI: 10.1016/j.tourman.2025.105288
Yuting Tao , Derong Lin , Honggen Xiao , Ying Hou
{"title":"The asymmetric matching effect between destination gender and influencer gender: The role of virtual and real influencer endorsements","authors":"Yuting Tao ,&nbsp;Derong Lin ,&nbsp;Honggen Xiao ,&nbsp;Ying Hou","doi":"10.1016/j.tourman.2025.105288","DOIUrl":"10.1016/j.tourman.2025.105288","url":null,"abstract":"<div><div>When destinations are anthropomorphized, they often exhibit distinct gendered characteristics. However, whether a mismatch between a destination's gender traits and its endorser's gender disrupts tourists' cognitive expectations remains to be further explored. Particularly, with the rise of virtual influencers in tourism marketing, whether their gender plays a similar role in destination endorsements as human influencers remains uncertain. Based on nine empirical studies (N = 3000) with samples collected from China and the United States, this study reveals an asymmetrical gender stereotype effect: for feminine destinations, a female influencer enhances the destination image, while for masculine destinations, the influencer's gender has no significant effect. This asymmetrical matching effect remains unchanged regardless of the endorser is human or virtual. Perceived congruency serves as the explanatory mechanism, with traditional gender beliefs acting as a moderator. This study extends the theoretical framework of gendered brand marketing and offers practical insights for destination managers in influencer marketing.</div></div>","PeriodicalId":48469,"journal":{"name":"Tourism Management","volume":"113 ","pages":"Article 105288"},"PeriodicalIF":12.4,"publicationDate":"2025-09-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"144997122","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":1,"RegionCategory":"管理学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Aspect-based sentiment analysis through zero-shot text classification and impact-asymmetry analysis 基于方面的情感分析,通过零射击文本分类和影响不对称分析
IF 8.3 1区 管理学
International Journal of Hospitality Management Pub Date : 2025-09-05 DOI: 10.1016/j.ijhm.2025.104397
Wooseok Kwon
{"title":"Aspect-based sentiment analysis through zero-shot text classification and impact-asymmetry analysis","authors":"Wooseok Kwon","doi":"10.1016/j.ijhm.2025.104397","DOIUrl":"10.1016/j.ijhm.2025.104397","url":null,"abstract":"<div><div>This study proposes innovative methods integrating aspect-based sentiment analysis (ABSA) using zero-shot text classification (ZSTC) into the impact-asymmetry analysis. Although ABSA is essential to enrich a thorough understanding of customer behavior, applying it to hospitality and tourism management is challenging because matching sentiment valence with an aspect category is complicated, and annotated datasets are scarce. The ZSTC suggested by this study leverages pre-trained large language models and addresses these challenges in hospitality and tourism management contexts. Furthermore, impact-asymmetry analysis based on the Kano model investigates the asymmetric relationships between the identified aspects and customer satisfaction. It classifies them into satisfiers, dissatisfiers, or hybrids and prioritizes them to support managerial decision-making. A case study analyzing TripAdvisor reviews during the COVID-19 pandemic is provided to demonstrate the usefulness of the proposed methodology. This study's findings offer theoretical and practical contributions to the academic and business sectors.</div></div>","PeriodicalId":48444,"journal":{"name":"International Journal of Hospitality Management","volume":"133 ","pages":"Article 104397"},"PeriodicalIF":8.3,"publicationDate":"2025-09-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"144997786","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":1,"RegionCategory":"管理学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
The unbearable lightness of humanitarian reform: Reflections on calls for change in the sector 人道主义改革的难以承受之轻:对该领域变革呼声的思考
IF 2.6 3区 管理学
Disasters Pub Date : 2025-09-05 DOI: 10.1111/disa.70006
Sherine El Taraboulsi-McCarthy DPhil
{"title":"The unbearable lightness of humanitarian reform: Reflections on calls for change in the sector","authors":"Sherine El Taraboulsi-McCarthy DPhil","doi":"10.1111/disa.70006","DOIUrl":"https://doi.org/10.1111/disa.70006","url":null,"abstract":"<p>Despite significant rhetoric around reform, the humanitarian sector predominantly focuses on maintaining established structures with minimal actual change. The calls for reform are categorised into technocratic and participatory approaches. Technocratic reforms aim at increasing operational efficiency, whereas participatory efforts prioritise empowering local communities. However, both approaches fail to address the broader political and economic contexts and often overlook the needs and voices of local actors. Meaningful reform should focus on principled, context-specific international and local collaboration, which prioritises both lifesaving support, principled advocacy, and defence of international humanitarian law.</p>","PeriodicalId":48088,"journal":{"name":"Disasters","volume":"49 4","pages":""},"PeriodicalIF":2.6,"publicationDate":"2025-09-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"144998945","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"管理学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Calculating tourist sentiment ambivalence through aspect-level sentiment analysis: Infusing tourism domain knowledge into a pre-trained language model 通过层面情感分析计算游客情感矛盾:将旅游领域知识注入预训练语言模型
IF 12.4 1区 管理学
Tourism Management Pub Date : 2025-09-05 DOI: 10.1016/j.tourman.2025.105294
Tong Yang , Cathy H.C. Hsu
{"title":"Calculating tourist sentiment ambivalence through aspect-level sentiment analysis: Infusing tourism domain knowledge into a pre-trained language model","authors":"Tong Yang ,&nbsp;Cathy H.C. Hsu","doi":"10.1016/j.tourman.2025.105294","DOIUrl":"10.1016/j.tourman.2025.105294","url":null,"abstract":"<div><div>Effectively capturing sentiment ambivalence—where individuals simultaneously experience both positive and negative sentiments—enables a more nuanced understanding of tourist sentiments for both academic and industry. Prior studies have measured ambivalence using self-reported overall sentiments data, which may suffer from bias and ambiguity. Building on schema theory, we proposed assessing tourists' sentiment ambivalence based on their aspect-level sentiment toward tourism objects. Tourism domain knowledge was incorporated into the Bidirectional Encoder Representations from Transformers (BERT) model to develop the TK-BERT. Online reviews of a Hong Kong attraction from multiple online platforms were used as a case study. TK-BERT demonstrated higher accuracy compared to the original BERT and other state-of-the-art models. This study advanced the understanding of sentiment ambivalence by operationalizing the concept and identifying the roles of different aspects in its formation. Methodologically, this paper provided a valuable tool for ambivalence calculation and aspect-level sentiment categorization.</div></div>","PeriodicalId":48469,"journal":{"name":"Tourism Management","volume":"113 ","pages":"Article 105294"},"PeriodicalIF":12.4,"publicationDate":"2025-09-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"145004632","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":1,"RegionCategory":"管理学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
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