加入WTO对我国保险业的影响

通过分析我国保险业的现状 ,阐述了加入WTO对我国保险业的影响 ,并就保险业所面对的机遇和挑战 ,提出针对性的对策     

对实行强制火灾公众责任保险的几点思考

随着经济的不断发展、城市规模的不断扩大,我国的火灾形势日趋严峻,重特大火灾尤其是群死群伤恶性火灾事故屡屡发生,给人民的生命财产安全和社会稳定造成了严重的危害。而作为火灾后对受害人最重要的救济途径即责任保险制度还不完善,本文就如何建立健全强制性火灾公众责任保险制度及其必要性和可行性、社会意义、推进措施和风险控制等方面进行了论述和思考,以期能够说明和解决一些实际问题。     

我国保险营销人员素质刍议

我国保险营销人员的素质令人担忧。探讨了保险营销员素质低下的成因 ,借鉴发达国家和地区的成功经验 ,提出了提高我国营销人员素质的措施     

加快建立多层次的农村社会保障体系——义乌市东河经济社会发展研究分报告之三

本文在对义乌市东河农村社会保障现状评价的基础上,提出了建立东河农村社会保障体系的目标与重点,及其加强农村最低生活保障制度、医疗保险制度、养老保险制度和敬老院建设的对策与建议.     

保险诈骗罪比较研究

保险诈骗从普通诈骗罪中分离出来是必要的,中国刑法对保险诈骗罪采用结果犯的模式是合理的.但以行为犯罪的方式设置这种犯罪并不可靠.与其他国家相比,中国刑法应增设保险诈骗罪的目的性要件.中国刑法对保险诈骗罪的刑事干预强度较大,这是符合中国国情和刑法理论的.     

我国保险公司经营状况综合评价研究

本文在保险公司经营状况综合评价的框架下,有机结合了保险公司经营业绩和偿付能力综合评价,建立了一套科学、合理的保险公司经营状况综合评价指标体系和方法体系,并使用相关基础数据进行了实证研究。     

Remittances as insurance: evidence from Mexican immigrants

We argue that remittances are, in part, transferred to the home country to purchase family-provided insurance and self-insurance. We use data on Mexican immigrants with work experience in the United States to capture the motives for sending remittances and use a novel approach to test for the insurance motive by relating host economy risk levels to remittance flows. We find that increases in income risk significantly raises both the propensity and the proportion of labor earnings sent home for family-provided insurance and for self-insurance.     

新型农村社会养老保险制度的缺陷与完善

国家新型农村社会养老保险制度具有明显的优越性,但其实施方案也存在政策的缺陷:中央财政按东部和中西部划分的财政补助方式虽有一定依据,但并不合理,尤其是对东部地区部分省份不公平.应通过构建地区"农村养老负担能力指数",科学地对各省、市、自治区予以分档补助.新农保制度的账户设计,在缴费环节、基金管理以及待遇给付等方面也存在一些问题,应进行相应的政策改进.     

Healthcare Provision for Elderly People in Argentina: The Crisis of PAMI

This paper highlights the problems of administering health insurance programmes in Latin America and the difficulties of imposing effective reforms. It examines the development, financial collapse and subsequent restructuring of a health insurance programme specifically targeting elderly people in Argentina. By the 1990s the Integrated Healthcare Programme (PAMI) had become one of the largest components of the country's public welfare system, managing an annual budget of US $2.5 billion. It provided elderly people with a wide range of services, including free and discounted medical care and a national network of day centres. The Programme was widely praised as efficient and innovative both within Argentina and beyond and was considered a model which other developing countries might emulate.
However, in 1994 it was discovered that PAMI had accumulated a deficit of US $1.3 billion and was suffering from a large number of serious structural weaknesses. These included a complete absence of financial accountability (both internally and externally), the piecemeal expansion of services, employment featherbedding, political patronage and corruption. Also, the Programme had contributed to long-standing inequalities between different geographical regions and between insured and uninsured populations. Since then, numerous attempts have been made to reform the Programme, some of which have received funding from the World Bank, but these initiatives are only being very gradually implemented.     

都市农业模式下农户面临的风险与保障

都市农业是一种全新的农业发展模式 ,是世界各国农业发展的共同趋势。但其在发展中 ,具有经营管理风险、劳动力转移风险等。为了降低风险 ,达到自身效用最大化 ,作为经营主体的农户往往被迫选择以前的传统农业模式。因此 ,建立一个有效的分类风险保障体制对都市农业发展十分重要 ,它可以将农户风险降低 ,促使他们以都市农业模式作为自身最优选择。