The limits of the decentred state: the case of policing insurance claims fraud

Existing research clearly shows that the public–private divide is continuously being challenged, recast and transformed. However, this article argues that a sharp distinction between public and private continues to operate as an important norm for professionals involved in the investigation of insurance claims fraud in Sweden. It shows how power within private insurance companies and the police authority is organized around the public–private divide, which is in turn mobilized to justify repression and to give investigations legitimacy. The article indicates that the formal public–private distinction is far more thoroughly maintained than is suggested by the existing literature. Rather than challenging the centrality of state power, private insurers and the police construct, maintain and have a stake in the reproduction of a state‐centric monopoly of crime control.     

Flood Risk Perceptions and Insurance Choice: Do Decisions in the Floodplain Reflect Overoptimism?

In the presence of rare disasters, risk perceptions may not always align with actual risks. These perceptions can nevertheless influence an individual's willingness to mitigate risks through activities such as purchasing flood insurance. In a survey of Maryland floodplain residents, we find that stated risk perceptions predict voluntary flood insurance take‐up, while perceptions themselves varied widely among surveyed residents, owing in large part to differences in past flood experience. We use a formal test for overoptimism in risk perceptions and find that, on aggregate, floodplain residents are overly optimistic about flood risks.     

Domesticating insurance,financializing family lives: the case of private health insurance for children in Finland

This article explores the domestication of a financial instrument that is much used in contemporary Finland, but that most of its users do not primarily think about in terms of being a financial instrument: the private health insurance for children. In Finland, all children are covered by social insurance and are entitled to free public health service with very low costs, if any. Yet, some 40 percent of families want to supplement this service with private products. Many fear that the popularity of the private health insurance for children contributes to a vicious circle that ends up weakening the legitimacy of, and the service given by, the public health sector; inequality in the face of health risks threatens to be aggravated, as well. Therefore, this financial instrument has become an object of political controversy. The main question of the article is: how do economic, political and moral valuations become intertwined in the domestication of insurance? The concept of ‘domestication’ is found helpful for analysing the pragmatics of valuation and for appreciating the dynamics and the heterogeneity of forces at play when financialization influences everyday life. The study argues that when financial instruments are appropriated they are also transformed; thus, they should not be viewed as homogeneous tools that have similar effects in all contexts of use. The main empirical materials studied are interviews with families with and without private health insurance policies for their children.     

社会保险与家庭金融风险资产投资

社会保险是否影响家庭在金融风险资产中的投资决策呢?本文使用两期家庭最优决策模型得到的理论分析结果表明,社会保险不仅能够提高家庭在风险资产中的投资广度和深度,而且对于不确定性更大、风险承受更强家庭的影响更为显著.基于省级层面得到的宏观实证检验结果和基于2011年家庭金融调查数据得到家庭层面的微观实证检验结果都支持了上述理论结论.本文的发现对于协调社会保险发展和建立多层级金融市场具有很强的政策意义.     

社会保障、代际支持如何影响城镇老年人退而不休?

对城镇老年人退而不休的动因分析,是合理开发和管理老年人力资源的前提.基于代际支持的传导作用,研究发现,具有较高社会保障水平、健康状况较好和学历较高的城镇老年人选择退而不休更倾向于实现自我价值,同时,足够的家庭养老支持对他们积极发挥余热的动机有正向推动作用;而健康状况较差和学历较低的城镇老年人,由于家庭养老支持不足、其付出与获得的家庭资源不对等以及由此产生的社会保障"外溢"等压力,更可能以获得收入为动机选择退而不休,进而导致其发展权利受损.因此,有差别地开发和管理老年人力资源、谨慎制定并实施延迟退休政策,对实现积极、健康的老龄化社会有着重要的意义.     

长期护理需求评估体系建设研究——基于地方试点与德国实践

长期护理需求评估是长期护理保险筹资与给付的联结点,直接决定了保险给付,并对长期护理保险筹资有重要影响.当前我国试点地方在长期护理需求评估制度的设计上分歧较大,虽积累了差异化的经验与案例,但地区分割不利于社会公平与社会流动.应立足于长期护理保险的社会保险属性,结合社会实际与试点效果,适当借鉴德国经验,统筹设计长期护理需求评估体系,通过"法律+行政法规+部门规章"的规范形式,精准定位评估对象,明确独立的评估主体、科学设计评估指标与评估工具、严格规范评估程序等确保评估结果的科学、客观与公正,并根据评估结果进行分级分类给付,实现长期护理保险资源流向精准.     

地方政府以商业保险协同社会救助机制研究

面对社会救助领域依然存在的各种风险，一些地方政府越来越多地采取购买商业保险的形式来协助救助对象予以应对，在大病医疗及护理、自然灾害、意外伤害等领域，商业保险较多介入到社会救助之中。文章在阐述商业保险介入社会救助现状的基础上，对此进行了理论和实践分析，认为目前的社会救助领域依然存在政府独自承担而财政负担沉重的问题，问题的化解应形成政企合作、政社合作多元参与的社会救助机制。      

工伤保险赔偿责任研究 ——以劳务派遣用工为切入点

劳务派遣作为一种灵活的用工形式,受到我国各类用人单位的青睐和广泛运用。2013年《劳动合同法》修订弥补了我国劳务派遣制度上的不足,但由于起步时间较晚,加上制度的复杂性,存在工伤赔偿制度的责任划分不清晰、工伤保险待遇先行支付具体操作存在困难、异地劳务派遣工伤保险制度执行不明确等方面的问题。我国需要从确立《劳动合同法》中派遣单位与用工单位的具体责任分担制度、完善劳务派遣工伤待遇先行支付规定、明确异地保险制度相关规定等方面入手,进一步完善工伤保险制度在劳务派遣用工中的适用,有效保护被派遣劳动者的合法权益。     

Optimal investment and life insurance strategies in a mixed jump-diffusion framework

Abstract

This article investigates an optimal investment and life insurance strategies in a mixed jump-diffusion framework. The individual life insurance policyholder who has CRRA preferences. The market consists of riskless asset, a zero-coupon bond, a stock and life insurance. The instantaneous interest rate is modeled as the O-U model, while a zero-coupon bond with credit risk follows a BSDE and a risky asset be driven by MJD-fBm model. The problem is solved by the mixed jump diffusion fractional HJB SDE which satisfied the admissible strategy, then the closed form solution and optimal strategies are derived and the simulation of the various parameters are also given.