对保险合同几个特征的质疑

有学者认为,保险合同具有:1)保险合同目的的保障性;2)保险合同客体的独特性;3)保险合同对价的悬殊性;4)当事人履行义务的不同时性等特征。本文除对1)表示基本同意外,对其他几个特征则表示异议。     

机动车第三者责任险之法律问题研究

在交通事故多发的今天,人们安全意识和风险防范能力仍然比较低,建立健全机动车第三者责任险制度在现实审判实务中就显得尤为重要.只有加深对各方面问题的分析研究,找出适合我国现行法律和国情的解决办法,逐步完善我国的立法体系,才能更好地维护良好的交通秩序,为人民提供更好的生活环境.     

保险人代位求偿权制度的法理分析

代位求偿权是一种很有特色的法律制度,它是基于公平原则和保险补偿原则的产物。代位求偿权是法定的债权转移,是民法债权制度中进一步完善。该制度与合同法中的代位权、保险法中的委付制度既有区别又有联系。我国立法中对这一制度作了详细的规定,但还存在一些不协调的地方。在保险实践中,代位求偿权制度发挥了巨大作用。     

失业保险金给付博弈分析及其优化设计

我国现行失业保险制度运行中存在失业保险金的给付两难,给付双方是一种博弈关系。通过构建政府与失业人员的失业保险金给付静态博弈和完全而不完美信息动态博弈并进行解析,需要从缩短失业保险金的给付期限、充分发挥失业保险金的促进就业功能等方面对现行失业保险制度进行优化设计。     

国外养老保险城乡一体化发展的经验及启示

西方发达国家的养老保险经历了长期的制度实践和政策调适．基本形成了较为完善的城乡一体化制度模式和运行机制,尤其是多数工业化国家也同样经历了“先城市、后农村”的养老保险发展历程．这对我国当前城乡社会养老保险制度从二元分割走向统筹整合有着重要的经验启示,政府主导自上而下、城市农村双向推动、制度统分双层结合、时间序列上的分步渐进和空间层次上的梯度递进是社会养老保险城乡统筹应遵循的推进策略。     

Individual and Household Values of Mortality Reductions with Intrahousehold Bargaining

I derive alternative measures of maximum willingness to pay (WTP) and value of statistical life (VSL) for selfish members of two-person households who bargain efficiently over consumption of individual and household goods. There is then no systematic bias in letting one member conduct the valuation on behalf of the household. Public-good VSL may exceed private-good VSL when each member attaches (selfish) preferences to survival of the spouse, and to any income from a surviving spouse in period 2. When period 2 is a retirement period and household members’ incomes are fixed, interview surveys tend to overvalue VSL due to ignored negative effects of own survival on private of public pension budgets.JEL Classification: I12, G22, J17     

论我国保险资金的运用及对策

保险业作为服务于社会生产和生活的第三产业 ,以组织后备资金形式为国民经济的发展提供风险保障。虽然中国保险业资金运用方面存在着保险资金运用渠道较窄、保险公司资产面临较高利率风险、保险资金运用中短期行为严重等问题 ,在很大程度上与当今中国保险市场发展实践和保险业经营运作趋势不适应 ,但可以通过修改《保险法》 ,提高资金运用收益率以明确资金运用方式、范围 ;通过建立专业化资金运用体系 ,提高专业化经营水平和风险监督机制 ;为保险资金运用拓宽渠道 ,提高资金运用的安全性。     

How Much Internalization of Nuclear Risk Through Liability Insurance?

An important source of conflict surrounding nuclear energy is that with a very small probability, a large-scale nuclear accident may occur. One way to internalize the associated financial risks is through mandating nuclear operators to have liability insurance. This paper presents estimates of consumers' willingness to pay for increased financial security provided by an extension of coverage, based on the 'stated choice' approach. A Swiss citizen with median characteristics may be willing to pay 0.14 US cents per kwh to increase coverage beyond the current CHF 0.7 billion (bn.) (US$ 0.47 bn.). Marginal willingness to pay declines with higher coverage but exceeds marginal cost at least up to CHF 4 bn.(US$ 2.7 bn.). An extension of nuclear liability insurance coverage therefore may be efficiency-enhancing.     

国有商业银行股份制改造中股权方式的探索--存款股权制

国有商业银行股份制改造虽然应通过增加股权资本来达到提高资本充足率的目的,但目前银行达不到从资本市场大量融资的条件。应开发一种稳定、低风险的股权方式———存款股权制。既可优化银行的资本结构,又为进入资本市场融资,增强银行实力做准备。