保险资金投资股市的利益与风险控制

我国多次降息，使保单预定利率高于银行利率，保险公司的偿付能力受到严重影响。拓宽保险资金的运用渠道，实现保值增值成为迫切需要。由于国债市场和其他债券规模太小，无法吸纳庞大的保险资金，保险资金投资股市成为重要的投资选择。保险资金的首要特性是安全性，应通过建立健全我国上市公司、保险公司和基金管理公司法人治理结构，加大我国资本市场建设和金融创新的力度，充分发挥监管部门作用等根本性的措施来防范和控制保险资金投资股市的风险。     

构建符合现代保险业发展需要的保险资金运营体系——评《保险资金运用问题研究》

20世纪末期以来,保险业的经营环境发生了深刻的变化.人口老龄化对保险资金保值增值提出了更高的要求,金融工程技术的发展使得金融产品创新对保险商品的替代性不断增强,自然环境的恶化使保险经营风险进一步加大,保险业传统的经营领域和生存空间正不断面临新的挑战.     

吸引民间资本进入北京保障性住房建设的思考

"十二五"时期民间资本将成为保障性住房建设的重要力量,国外发达国家和我国香港地区民间资本在保障性住房的布局、建设、经营和退出领域的成功做法为北京提供了很好的借鉴。北京应着力进行制度、体制和机制创新,科学制订保障性住房总体布局规划,完善配建奖惩制度,拓宽融资渠道。特别是要创新市场运作方式,吸引保险资金进入,运用信托投资基金建设保障性住房;扩大补贴范围,设立定向住房补贴券,提高民间资本经营效率;建立市场退出和政府接盘机制,排解民间资本后顾之忧。     

发展福利企业应采取四种战略

战略之一：集中优势以专取胜福利企业规模普遍较小，资源有限，实力不雄厚，不能像大企业那样搞多种化经营来分散风险，但是可以集中自身优势，通过选择有效发挥企业特长的市场进行专业化经营。集中力量打入目标市场，把有限资金集中到目标市场上，进行重点投资c发展专业特色产品，提高企业知名度和市场占有率，从而发展和壮大企业。福利企业采取这种战略，一是可以通过扩大生产批量，提高专业化程度和一品质量，提高规模经济效益，在市场上站稳脚跟。二是随着需求多样化和专业化程度的提高，大企业也普遍欢迎这些专业程度高、产品质量好的…     

加入WTO物业管理发展方向的探寻

中国加入WTO,意味着中国的市场竞争已经纳入了世界一体化。公平竞争的市场环境,必将推动我国物业管理的经营和发展。我国以招投标方式选择物业管理企业,是建立市场公平竞争机制的关键;物业管理企业要朝着社会化、专业化、集团化方向发展;依法管理和服务是物业管理的保证;竞争的实质是提高服务质量。     

中国综合商社的组建、发展与进入WTO

在我国融入世界经济的今天 ,中国企业面临着严峻的挑战 ,如何打出去 ,在世界经济的大潮中适应和发展自己 ,以抵御风险恶浪 ?这就需要我们在国际贸易中组织大兵团作战 ,形成有一定规模经济的航空母舰 ,能与世界强手抗衡。在这种背景下我们提出组建和发展中国综合商社。中国综合商社的发展应从商社的第二阶段起步 ,即越过单纯的贸易功能阶段 ,而直接进入以贸易为主体 ,集贸易、金融、信息、综合组织与服务功能等于一体的综合化经营阶段 ,并迅速向第三阶段推进。中国综合商社这样的推进顺序 ,体现了组建综合商社的宏观目标 :为产业国际化发展战略服务 ;规范混乱的外贸经营秩序 ;提高外贸企业规模经济效益 ;作为政府对外经贸实施宏观调控的传导点和作用点。为实现上述目的 ,就需要我们立足国情—以市场为取向—试点起步—政府扶持—配套改革     

优化保险资金投资结构的探讨

优化保险资金投资结构的探讨王承近年来，我国保险事业得到了迅速发展，业务量大幅度增加，保险资金积累日益雄厚，有相当比重的资金可供运用，尤其是各种长期性人身保险业务的逐步开办，为投资集聚了长期稳定的资金，使保险资金投资越来越变得可能而且必需。目前，我国保...     

中国体育保险发展的问题及对策分析

体育保险在中国出现较晚,目前仍处于起步阶段。本文通过分析中国体育保险业的发展现状及体育保险产生和发展的必要性和必然性,借鉴国外成功经验,针对制约体育保险业发展的法律规范不健全、保险意识不强、险种单一、中介服务不适应需要等问题提出改进建议。     

政策性农业保险的制度设计——以相互制农业保险为例

相互制农业保险作为政策性农业保险的一种模式,特别适用于农业领域,也是符合我国现实国情的一种农业保险模式。通过对国内外相互制农业保险的客观分析,设计出符合我国发展政策性农业保险的制度。建立合理的组织制度和经营制度,形成自下而上的管理体系和经营模式;通过合理的财政补贴制度调动保险人和被保险人参与农业保险的积极性;通过发展农业金融信贷,盘活金融资本在农村的市场化运作,增加农民收入,提高农民购买农业保险的能力;建立以农业巨灾风险基金和农业再保险为核心的风险分散转移制度,增加农业保险公司抵抗巨灾的能力,保证相互制农业保险的可持续发展。     

混业经营:我国保险业发展的必由之路

从国际保险业的发展来看,保险混业经营已经成为一种普遍的发展趋势。混业经营主要有两种模式:即金融或保险服务集团和银行保险。我国实行保险混业经营是保险业发展的必然要求,并具有可能性。当前面临着保险监管法规滞后,保险管理人才的知识结构难以适应混业经营的要求,保险监管难度增加等新问题。我国有必要尽快修改完善有关的保险法律法规,允许保险公司选择适合自身业务特点的保险经营模式,有计划、有秩序地推进保险混业经营,允许保险公司采取先合作后发展的方式,实现规模经济效益,把我国保险业做大做强。     

广西农业保险巨灾损失分摊机制探讨

在分析建立广西农业保险巨灾损失分摊机制必要性和紧迫性的基础上，从建立起实质上的“二元化”的农业保险体系、构建同业分层保险制度、建立农业巨灾再保险体系和设立农业巨灾风险保障基金等角度探讨了广西农业保险巨灾损失分摊机制。     

住房公积金亟待破解制度瓶颈

住房公积金制度是我国政府为解决职工家庭住房问题,主要借鉴新加坡的成功经验,于1994年开始在我国全面推行的一种政策性融资渠道。但通过十几年的实际运行结果来看,效果并不明显,不仅丧失了其对中低收入阶层的住房保障功能,而且进一步拉大了贫富差距。应采取公积金和养老保险相结合的反按揭模式等相关对策,使公积金制度真正惠及广大中低收入者。     

南宁市农业产业化建设对策研究

在全面分析南宁市农业产业化的现状和存在问题的基础上,具体阐述了推进南宁市农业产业化发展的对策措施。提出要探索和实践农村土地流转管理方式、建立和完善农业资金投入机制、逐步建立现代农业资金体系和农业保险体系、建立健全农产品市场体系、完善农业产业化服务体系、加强农业基础设施建设、以农业产业化建设促进农民素质提高等具体对策建议。     

Abstracts

Analyses and Suggestions on Coordinated Regional Development of Insurance Industry in China GUO Jin-long Abstract： Through studies on the coordinated development status between insurance industry and social economy in China from 2005 to 2009, it is found that the coordination between insurance and economy remains slightly imbalanced in most of the provinces and cities in China, with only a few provinces and cities showing low-degree coordination in 2007. As a whole,     

船舶溢油应急反应机制的资金保障制度研究

船舶溢油应急反应资金保障制度的缺失,直接影响到船舶溢油应急反应工作的开展和溢油应急反应能力的提高。本文在构建船舶溢油应急反应资金保障制度设想的同时,包括资金的来源、适用范围、资金的管理、申请及支付程序等,也考虑了船舶溢油应急反应专项基金与船舶油污责任强制保证制度、油污损害赔偿基金等制度的衔接。     

略论医疗保险政策的公平性选择

在现阶段经济转型时期,卫生事业的公平性是和谐社会建设的重要基础之一。而目前,我国医疗保险政策存在公平性缺失的问题,医疗保险政策的公平性选择就是建立强制性城乡一体化的医疗保险体制;在加大政府投入的同时,建立收支两条线的资金控制系统;建立医疗保险再分配机制和医疗救助体系。     

The Demand for Flood Insurance: Empirical Evidence

Flood damages that occur worldwide remain largely uninsured losses despite the efforts of governmental programs that in many cases make insurance available at below fair market cost. The current study focuses on the financial experience of the United States' National Flood Insurance Program (NFIP) from 1983 through 1993 to examine the hypothetical determinants of the flood insurance purchasing decision. The empirical analysis supports the hypotheses that income and price are influential factors in one's decision to purchase flood insurance. Flood insurance purchases at the state level are found to be highly correlated with the level of flood losses in the state during the prior year.     

Taiwan's path to national health insurance (1950–1995)

This study explores the evolution of statutory health insurance in the Republic of China on Taiwan from its inception in 1950 through to the inauguration of the National Health Insurance Programme in 1995. The main focus of the study is the timings of the adoption of the different statutory health insurance schemes targeted to the various segments of the population. It is argued that Taiwan's adoption of Labour Insurance for workers in 1950 could be best explained by the country's specific historical circumstance. The then-ruling Nationalist government was keen to build up Taiwan as a showcase for the whole of China. The inauguration of the National Health Insurance Programme in 1995 was predominantly subjected to the Nationalist government's adjustment to its changing political position.     

Informal workers and Kenya’s National Hospital Insurance Fund: Identifying barriers to voluntary participation

This article investigates the barriers to informal workers’ voluntary participation in Kenya’s national health insurance scheme – the National Hospital Insurance Fund. Based on primary data from both qualitative and quantitative methods, we find that the key determinants of enrolment include social factors, such as marital status, which create demand for insurance, and the role of informal workers’ associations that promote the voluntary uptake of health insurance and prevent default through contribution support. Participation barriers and reasons for inactiveness stem from the nature of informal work characterized by irregular earnings, which combine with apprehension about having to pay penalty charges for the late payment of premiums, inadequate levels of knowledge about health insurance schemes, institutional constraints such as complex registration procedures, as well as premium costs and poor-quality services, all of which discourage enrolment or the reactivation of lapsed membership. There is thus a need for health insurance schemes, such as Kenya’s National Hospital Insurance Fund, to educate informal workers on insurance services and protocols and to improve services to encourage uptake and reduce default behaviour.     

Adverse selection and equilibrium in liability insurance markets

Models of asymmetric information in insurance markets typically consider insurance buyers with Bernoulli loss distributions differing in expected loss. This article analyzes markets where buyer loss distributions are characterized by mean-preserving spreads and insurers can classify applicants in terms of expected values but not by risk. Because liability losses are characterized by skewed continuous probability distributions, both discrete and continuous loss distributions are considered. In contrast to the single separating equilibrium in the classic Rothschild-Stiglitz insurance market, multiple separating equilibria are identified in this article: three in the discrete case and four in the continuous case. The possibility of extreme discontinuities in insurer policy offers provides a new explanation for crises in liability insurance markets.The support of the National Association of Insurance Commissioners is gratefully acknowledged.