强制保险能否提高保险市场效率

文章以社会福利为衡量保险市场效率的标准,分析实施强制保险是否有助于保险市场效率的提高。文章首先证明了在信息不对称的保险市场中存在着市场失灵现象;然后通过比较实施强制保险前后社会福利的差异,得出结论:实施强制保险有助于社会福利的改善,从而可以提高保险市场效率。     

论当前财产保险公司经营面临的困境及改善办法

当前国内财产保险公司经营利润逐年降低，盈利空间变窄，大部分保险公司从盈利逐步陷入亏损的境地，经营风险不断加大。恶性竞争、承保费用提高、理赔难是造成这一局面的主要因素。如何扭亏为盈，摆脱困境，本文将从内部管理和外部监督两方面进行分析，并提出改善办法。     

将志愿者服务机制引入养老服务问题的研究

目前。我国人口老龄化日益严重，老年人的养老服务问题正面临着越来越严峻的困境与压力。在老人选择一种养老方式后。如何护理成为重要一环。我国现有的各种养老模式都面临着专业的养老服务人员短缺的问题。在刖刖过去的北京奥运会中，志愿者服务的成果不得不说是该届奥运会的一大亮点。本文将奥运志愿者服务体系引入养老服务中来，既能减轻养老服务人员短缺问题，同时在高素质的经过专业培训的志愿者在给老年人提供养老服务的过程中加强新老几代人的沟通交流，在代际之闯传承中华民族的传统美德。构建和谐社会。     

如何有效地扩大医疗保险覆盖面——拉美国家的经验教训及启示

本文以拉美国家的经验及启示为视角，就如何有效地扩大医疗保险覆盖面问题展开论述。     

Measuring the Influence of Unemployment Insurance on Unemployment Experiences

This article investigates the comprehensive effects of unemployment insurance (UI) policies on the amount of time and unemployment that individuals report between jobs. The econometric model jointly determines the effects of UI on the lengths of nonemployment spells, the classification of these spells as unemployment, and the likelihood of collecting program benefits. The model carefully attempts to isolate variation in UI benefits attributable to differences in generosity across programs to avoid biases in estimating policy effects induced by other contaminating sources of benefit variation. Using data on men from the National Longitudinal Survey of Youth, the empirical results find (a) UI recipients typically experience longer spells between jobs, at least up to the exhaustion of UI benefits, and report substantially larger fractions of these spells as unemployment; (b) weekly benefit amounts exert no significant influence on the likelihood of UI recipiency, on the length of spells between jobs, or on the fraction of these spells classified as unemployment; and (c) increases in weeks of UI eligibility raise the likelihood of UI collection and lengthen the number of weeks of unemployment between jobs by inducing long spells to become longer and not by altering short-duration behavior.     

江西省农村养老保险制度重构初探

当前江西省迫切需要开展农村养老保险，同时客观上也具备了开展的可行性。传统农村养老保险存在某些不足，导致“窄覆盖”。江西省农村养老保险制度的重构不仅需要考虑现实情况，还需要综合考虑与农村其他制度、政策的结合问题。     

Exploring Policy and Financing Options for Long-Term Care in Taiwan

Summary

Policy and financing arrangements for long-term care are important themes in each country and/or region, and Taiwan, with its unique historic and politico-economic background, can be regarded as a bridge between well-developed and under-developed countries. Policy formulation about long-term care in Taiwan involves several agencies in the government, including Ministry of Health, Interior Affairs, Education, Insurance Bureau, and Economic Council, and formulation of policy objectives has progressed considerably in the last five years. Financing arrangements are less well-developed because the National Health Insurance Program began only in 1995, and most long-term care is not yet covered. As demand for long-term care exceeds supply, and this gap will grow in future, current resource allocation measures are concerned to facilitate the expansion of community care rather than allowing institutional care to absorb more resources. Developing future financing options is now a central task for policymaking, and government must continue to take a leading role in consolidating financing and integrating the service systems.     

关于推行工程保险制度的探讨

我国即将推行以承包商履约担保和业主支付担保为核心的工程风险管理制度，在工程建设领域强制实行工程保险制度已提到日程上来．本文就推行工程保险制度的必要性与可行性及椎行工程保险制度应采取的措施等问题进行探计．     

医疗费用保险适用损失补偿原则之研究——兼评新《保险法》第46条的理解与适用

商业医疗费用保险是否适用损失补偿原则,是一个理论上争议不大但因现行立法的规定而争论不休的问题。同类案件不同的判决结果不仅影响到司法的公正,而且带来了保险市场的混乱。《保险法》的相关规定和保险监督管理机构的规定与保险原理相背。2009年2月28日我国《保险法》作了新的修订,但关于保险的分类及保险代位权等方面仍延续以前的规定,并没有从立法层面对实践中存在的问题作出实质回应。在医疗费用保险中是否适用损失补偿原则需要立法和司法层面的进一步明确,这不仅有利于确保司法机关裁判的统一性和权威性,而且对保险业的经营与发展有指引作用。     

对保险公司上市之思考

改革开放以来,我国保险业得到了快速发展。随着业务规模的扩大及加入世贸组织后与外资保险机构竞争的加剧,我国保险业迫切需要开拓新的融资渠道。发行上市是我国保险业和证券市场发展的双重需要。但目前条件尚未成熟,还需保险公司、保监会、证监会等各方共同努力,尽早推出我国股市的“保险板块”。