城镇居民基本医疗保险的参与意愿及影响因素

基于全国9个城镇居民基本医疗保险试点城市的调查表明,年龄、民族、婚姻状况、健康状况、所在地区和家庭平均收入水平等变量对参与意愿有显著影响;性别、教育程度和工作状况对居民参与意愿没有影响：政府补贴水平对参与意愿具有明显的正向激励作用。要进一步提高城镇居民的参与率和覆盖水平,政府应加大宣传力度,促进西部地区和少数民族地区的经济发展,适当提高对参与居民的补贴水平。     

论我国保险法上的保险利益观——以损失补偿保险为主

保险利益不能等同于物本身,同一物上可以同时存在多个保险利益,并据此成立多个保险关系而不构成重复保险。在损失补偿保险中,风险损失是保险利益的反面,保险事故发生时的损失者才是保险利益的真正主体,权利和利益的复杂关系决定了物权人不一定是保险利益的主体。因此,我们应放弃形式主义的保险利益观而坚持实质性的保险利益观,即以风险归属作为保险利益的归属依据。     

存款保险制度研究与中国的选择

为了维持银行业的稳定发展,许多国家建立了由存款保险制度、最后贷款人制度和审慎监管三大要素组成的金融安全网。目前我国已建立了最后贷款人制度,并专门成立了中国银监会来负责对银行业的监管,但存款保险制度至今仍处于酝酿阶段。为何中国进入存款保险制度需要如此漫长的经历呢?本文将试述存款保险制度的优缺点及我国为何迟迟才准备建立存款保险的原因。     

考试作弊问题中的学校体制性因素及治理

高校自身在教育观念、管理体制及教学方式上存在问题是大学生作弊蔓延的重要原因。只有从教考制度改革入手,转变教育观念,完善学校管理体制建设,才能从根本上遏制学生考试作弊现象。     

大学生考试作弊的多视角探因与对策

大学生考试作弊是当前高校亟待解决的突出问题之一,造成当前大学生作弊的原因有社会和学校的因素,也有家庭和个人的因素。要从根本上有效遏制大学生的作弊行为,有赖于学校、社会与家庭的共同努力。学校作为教育主体,应切实承担起自己的责任并履行自己的职能;政府应发挥主导作用,加强法制建设,净化社会风气,营造学校优良校风形成的良好外部环境;家庭教育则应突出品德教育,为孩子的人格发展营造和谐的家庭育人氛围。     

中国新型农村社会养老保险的社会包容特征:解释框架

"包容性增长"概念的提出使得国际通用价值和社会政策之间有了新的对话基础.我国目前开展的新型农村社会养老保险即有着积极的包容性特征:新农保标志着中国现代社会保险制度开始包容一个重要的社会核心群体-农民;启动了以公民权利和"去商品化"为有机内涵的福利体系建构进程;对农村老年女性群体具有更明显的保障与补偿功能;呈现从群体包容到体制包容的趋向.农民参与率、财政转支率、收入替代率、城乡级差率四个维度可以用来衡量新型农村社会养老保险的包容程度.目前新农保仍属于初级包容,包容的程度与水平仍有待提高;而推进包容性发展的关键在于进一步树立和明晰以公民权利为基础的包容理念、改革诉求表达和利益分配机制.     

对当前体育社会问题的思考

探讨当前主要存在的体育社会问题 ,以期引起体育主管部门和社会的关注及重视 ,为体育方针、政策、路线的制订提供参考依据 ,并希望有关部门采取有效措施 ,预防并杜绝这类问题的发生 ,使体育运动沿着正确轨道良性运行和健康发展     

从\

近年来,中国大病保险取得了显著发展,但其制度建设仍相对滞后,对于大病保险的性质、法律适用等问题并未形成统一认识,影响该项制度的持续发展。在中国保险法律制度体系下,结合社会保险与商业保险的区别进行分析,大病保险所具有的社会属性并不构成其本质属性,将其界定为一种政策性的商业保险更符合当前操作模式,利于解决实践中的问题。大病保险适用《保险法》,建议在《保险法》中对大病保险做出特别规定,并通过制定《大病保险条例》为大病保险提供制度依据。

     

Rural Victorian service provider responses to the National Disability Insurance Scheme

The National Disability Insurance Scheme (NDIS) has transformed the nature of funding available to health and human service organisations to provide services to people with disability in Australia. However, there is relatively scant literature on the rural implementation of the NDIS, particularly how rural NDIS service providers are affected by the NDIS. Researchers conducted semi-structured interviews with 20 health professionals employed by rural providers, and analysed data using rural and remote health and organisational change frameworks to understand how rural providers were impacted by and responded to the NDIS. The findings suggest rural providers were impacted to differing extents and responded to the NDIS in different ways. Participants reported that disability and community health services were affected more than hospitals and private allied health practices. Impacted rural providers responded by changing the nature and types of services, service processes and their workforce, and redefining organisational characteristics. Impacted rural providers may require additional support to continue providing services, and those less impacted may require other incentives to better engage with the NDIS. Rural proofing of NDIS policy could reveal suitable supports and incentives to ensure rural people with disability can access required services.     

Households’ precautionary behaviors—the effects of the introduction of National Health Insurance in Taiwan

By reducing risk of large out-of-pocket medical expenses, comprehensive social health insurance may reduce households’ motivation to engage in precautionary behaviors such as saving, procurement of private insurance, and spousal labor-force participation. We use the natural experiment provided by the 1995 introduction of National Health Insurance in Taiwan to examine these effects, using pre-existing differences in access to health insurance (tied to the household head’s and spouse’s joint employment status) to identify the effects of increasing insurance coverage. We find that comprehensive health insurance has a statistically significant and large effect on household savings, but no significant effects on purchase of private accident insurance and spousal employment.