浅议进一步开放我国保险市场

加入世贸组织以来,我国保险业一直在有步骤的进行着对外开放,并且取得一定成果。按照入世协定,我国将进一步开放保险市场。几十年前台湾地区保险业的开放给了我们很大借鉴。进一步开放我国保险市场,可以加强与港台合作,要循序渐进注意结构。     

浅析保险市场中道德风险和逆向选择的消极影响

保险市场是典型的信息不对称市场。由于保险机制的固有特性,无论是保险的买方还是卖方都不可能如愿获得足够的信息,这种对信息占有的不对称状况,导致道德风险和逆向选择的产生。道德风险和逆向选择严重影响了我国保险业的发展。     

我国保险市场的现状分析以及发展模式选择

分析我国保险市场现状，比较和借鉴海外模式，并结合我国的实际，以及保险业自身的特点和国际经济环境，认为我国未来的保险市场模式应当为垄断竞争型市场模式，其实现的途径在于加速保险市场主体的培育；保险营销渠道的创新；进一步完善保险法律法规；保险监管职能的转变等。     

开放中国保险市场的利弊及对策

根据中美、中欧双边协议,中国加入WT0后5年,在谨慎原则下,保险市场将在地域、业务范围、合资股权等方面向外资保险公司开放.随着中国加入WTO,中国保险业将面临前所未有的机遇和挑战.     

旅游保险:保险市场的假日经济

关于假日经济,有一种民间的非正式说法:假日经济是因为有一部分人休息,而使另一部分人获得工作. 近年来,为拉动经济发展,政府提出了"鼓励消费、扩大内需"的经济政策.在此前提下,推出了"五一"、"十一"、"春节"三个七天的假期,使我国每年的公休假日达到¨4天,为居民消费、休闲度假提供了充裕的时间,奠定了假日经济坚实的基础,从而让假日经济成为一种新的经济模式.     

政府如何应对“入世”挑战

中国加入WTO，承受挑战最大的是政府。笔者就政府该如何应对“入世”挑战谈几点设想。     

“入世”之后重庆经济何去何从

中国“入世”已成定局。在即将迈入世贸组织大门的时候，重庆该怎么办?我们从重庆经济发展的优势和弱势入手，对重庆的经济发展作一分析。     

保险需求悖论的解释——来自中国汽车险市场的实证研究

经典的保险需求模型认为绝对风险规避系数递减时保险是一个劣质品,也就是说保险需求会随着财富水平的上升而下降,但这一结论与许多现实的保险行为不符。本文从损失和财富的关系角度出发对经典模型进行了扩展,讨论了在损失随财富变化时的保险需求变化,对保险需求的悖论进行了解释。论文还采用国内汽车险市场的微观数据对拓展模型进行了实证研究,结果显示车险投保人的个人财富与其所选择的保险金额、投保比率以及索赔金额之间存在着显著的正相关关系,检验表明模型的假设和结论具有很好的解释现实的能力。     

Research Design Meets Market Design: Using Centralized Assignment for Impact Evaluation

A growing number of school districts use centralized assignment mechanisms to allocate school seats in a manner that reflects student preferences and school priorities. Many of these assignment schemes use lotteries to ration seats when schools are oversubscribed. The resulting random assignment opens the door to credible quasi‐experimental research designs for the evaluation of school effectiveness. Yet the question of how best to separate the lottery‐generated randomization integral to such designs from non‐random preferences and priorities remains open. This paper develops easily‐implemented empirical strategies that fully exploit the random assignment embedded in a wide class of mechanisms, while also revealing why seats are randomized at one school but not another. We use these methods to evaluate charter schools in Denver, one of a growing number of districts that combine charter and traditional public schools in a unified assignment system. The resulting estimates show large achievement gains from charter school attendance. Our approach generates efficiency gains over ad hoc methods, such as those that focus on schools ranked first, while also identifying a more representative average causal effect. We also show how to use centralized assignment mechanisms to identify causal effects in models with multiple school sectors.     

面对WTO企业如何依法竞争

如何面对WTO带来的冲击,是我们的企业非常关注的课题。面对知识经济时代经济全球化、科技高速发展的特征与挑战,企业只有提高国际化经营水平,分享全球市场利益,方能不断扩大市场需求,提高经济效益。其中……     

应对入世如何进行政府职能的转变

加入世贸组织对政府管理提出了新的更高的要求。在世贸组织的２３个协议、４９２页的全部内容中，只有２个条款提到企业，其他内容都是规范政府行为的。可以说，讲入世，主要是政府入世；讲冲击，也主要是对政府的冲击。入世对政府管理提出了三个方面的主要要求：一是按照入世的承诺，政府制定的有关涉外贸易的法规、规章和政策措施、规范性文件等，都要同世贸协定保持一致，并且确保这些法规、规章和政策措施等在全国统一实施。二是坚守公正平等。政府要平等对待各类市场主体，制定的有关政策措施要公开透明，不能出尔反尔，朝令夕改。三是…     

Action,Reaction and Resignation: How Refugee Women and Support Organisations Respond to Labour Market Integration Challenges during the Covid-19 Pandemic

Even without the impact of a global pandemic, refugee women face obstacles to their integration into the labour market. Complex integration challenges are situated across different, yet interwoven, levels. These include restrictive policies at the institutional level, limited funding for support measures at the organisational level and a lack of skills at the individual level. Many of these are gendered and specifically affect women. Some might be further intensified by Covid-19. However, the pandemic's effect on the labour market integration of refugee women has yet to be explored.This paper examines specific challenges support organisations and refugee women have faced during the pandemic and their responses to these. Following a process perspective, we utilise a qualitative methods approach with semi-structured interviews. We collected our data in Austria, a European country that hosts numerous refugees and has an elaborate support network.Results show that the external shock of the pandemic amplified the importance of developing digital skills to support post-pandemic labour market integration. In addition, the pandemic exacerbated challenges for refugee women and support organisations. This led to ‘action’, ‘reaction’ and ‘resignation’ responses. We discuss these, and provide avenues for further research and practice.     

浅析现代资本市场体系下的保险资金

本文对现代资本市场体系下的保险资金进行了分析,首先分析了保险资金的构成,接着对保险资金和资本市场的相互关系进行了考察,并分析了当前保险资金运用的现状,最后提出了对当前保险资金运用的思考。     

对偶理论体系下的自我保险、自我保障与市场保险

传统的预期效用理论认为市场保险与自我保险是可以相互替代的,而市场保险与自我保障却是相互补偿的。本文首先介绍了耶理的对偶理论,进而应用该理论研究了市场保险、自我保险与自我保障三者的相互作用。     

The Effect of Unemployment Insurance Generosity on Unemployment Duration and Labor Market Transitions

This paper examines the impact of unemployment insurance (UI) benefit generosity on labor market transitions in Turkey from 2002 to 2012. Using a unique administrative dataset, I take advantage of a sharp discontinuity in treatment assignment at 900‐paid‐premium‐days to identify the impact of generosity on the outcome variables. I find that unemployment benefit duration is increased by approximately 0.07 weeks per additional week of UI. However, more generous benefits lead to lower probabilities of transition to employment and the impact is greater compared to developed countries. In addition, workers who are entitled to longer UI periods have lower probabilities of cheating the system and rejecting the services of the Turkish Employment Agency.     

如何有效利用我国失业保险基金以促进再就业

我国失业保险基金大量闲置,促进就业功能难以发挥,国内对失业保险优化相关领域的研究又基本空缺.本文针对这一问题总结了西方基于促进就业的优化失业保险的四种途径,并在此基础上根据我国目前的状况,提出了合理运用我国失业保险基金、优化我国失业保险的一系列政策建议.     

入世后如何『出主意』和『用干部』

大家非常熟悉毛泽东同志关于"出主意"和"用干部"的论述.他认为这是领导工作的两件大事.可以肯定,毛泽东同志的论述在今天看来仍然具有现实意义.我国加入WTO以后,各级领导干部必须尽快更新领导观念、转变领导方式,以适应新的领导环境.要做到这一点,就很有必要正确地理解"出主意"和"用干部"这两个概念.