保险专业课的读、写、议教学方法

根据非保险学专业开设保险专业课程的教学需要 ,就如何针对学科特点改进教学 ,采用读、写、议的教学方法 ,探索提高教学效果的新思路     

The challenges of establishing basic pension insurance for migrant workers in urban China

Since the late 1990s, migrant workers in China have exhibited little enthusiasm to participate in the basic pension insurance schemes that have been promoted by the central and local governments in China. Previous research found that socioeconomic and family factors might have influenced migrant workers' decision to participate in the basic pension schemes. This article explores the impact of institutional factors on migrant workers' willingness to participate in the scheme, such as the work place, the nature of the enterprise, workers' labour contract status, workers' knowledge of the scheme, as well as their personal contribution rate.     

The Hutubi Model: what have we learned?

Created to address some of the limitations in China's rural retirement insurance policy, the Hutubi Model represents an innovative approach to asset building. A key feature of the model, the Hutubi loan programme, operated in Hutubi County, Xinjiang, China, from 1998 to 2010. It allowed farmers in Hutubi to borrow against their rural retirement accounts, taking loans for investment in farming and other priorities. This study examines the institutional incentives and structures that enabled the programme to help farmers build assets. We also discuss the programme's implications for the development of asset-based social policy in rural China and consider recent policy developments there. Among these is a new rural retirement social insurance programme.     

日本介护保险制度的发展及对我国居家养老服务的启示

日本为应对2050年即将出现的新一轮老人高峰,修订了介护保险制度内容,增加了居家护理服务内容并调整了相关费用。日本的居家护理服务较好地解决了现有的养老问题,对我国居家养老服务体系的构建和服务内容的完善提供了有益的借鉴。     

Voluntary social insurance for Vietnamese laborers in the informal economic sector

Voluntary social insurance (VSI), a type of social insurance organized by the Government, allows participants, who work in the informal sector with unstable jobs and income, to choose the premium and payment methods in accordance with their income for their retirement plan. The rate of Vietnamese laborers participating in VSI is low. This study aims to examine the current situation of VSI participation of laborers, as well as their perception of VSI visibility and assessment of VSI policies and utilization. Results from survey with 293 laborers, including 144 VSI participants and 149 VSI non‐participants, and semi‐structured interviews with 60 stakeholders in two districts in Northern Vietnam show the lack of awareness of VSI existence among non‐VSI participants, and limited knowledge of VSI policies among VSI participants. Although participants endorsed beneficiaries and premium in the retirement plan, they were concerned about the long 20‐year premium payment duration in the situation of unstable jobs and income, and the lack of other benefits, for example, maternity leave and unemployment benefit. Results recommend better propagandas, distributed documents, and educational sessions on VSI policies on mass and social media, as well as at VSI conferences and their workplace.     

岭回归在我国工程保险需求影响因素分析中的应用

本文对影响我国工程保险需求的各种因素进行分析梳理,选取了可能影响工程保险的三个外生变量——建筑业企业总收入、建筑业增加值、建筑安装工程投资额指标,并收集了1998-2008年的年度统计数据.通过对模型进行拟合度检验、显著性检验、相关性检验、异方差检验和多重共线性检验,发现自变量间存在严重多重共线性,导致最小二乘法估计结果不合理.岭回归分析是专门用于共线性数据分析的有偏估计方法,实际上,它是一种改良的最小二乘法,是以放弃最小二乘的无偏性,放弃部分精确度为代价来寻求效果稍差但更符合实际的回归过程.借助SPSS统计软件,运用岭回归技术建立了工程保险需求影响因素的模型.最后根据建模分析得出的结论,提出了一系列相关政策建议和管理启示.     

Familialisation Effects of the State Welfare: Focused on the National Health Insurances in S. Korea and Taiwan

The national health insurances in Korea and Taiwan have maintained the dependent system that includes the insureds and their families. These two cases explicitly exemplify the familialism in East Asian welfare regime. However, comparing the two systems in detail, we can easily note the variation in their familialisation effects despite similar family realities in the two societies. To explain why Korea and Taiwan adopted the NHI of different institutional arrangements, this article focuses on the historical combination of the state's political and fiscal concerns and families' rational choice, which led to the variation in family policy.     

Health insurance coverage of Hispanic adults: An assessment of subgroup difference and the impact of immigration

This research explores the health insurance coverage of various Hispanic subgroups in comparison to non-Hispanic whites and blacks. The impact of immigration status is also considered as we hypothesize that nativity, duration, and naturalization tap a possible process of structural acculturation that increases access to insurance coverage for Hispanic groups. We find that the immigration variables impact the type of insurance reported. However, race/ethnic disparities continue to exist, with the various Hispanic subgroups more likely to report miscellaneous government health insurance or no health insurance coverage as compared to non-Hispanic whites.     

区域发展不平衡的影响因素实证分析--以新疆南北疆为例?

文章以新疆南北疆为例,分析了资源禀赋、区域政策、区位条件等因素对新疆南北疆区域经济发展不平衡的影响和作用。实证表明,代表资源禀赋的资本投入、耕地投入对新疆以及南北疆发展不平衡具有显著的作用,而劳动力投入对于南疆地区发展的影响作用较小;相比而言,区域政策能够缩小南北疆的不平衡,其对南疆作用效果较强,对北疆效果较弱;就区位条件导致的效应而言,北疆比南疆更为明显。并提出有针对性的发展建议。     

高管控制权、隐性保险与商业银行风险承担-来自中国上市银行的经验数据?

文章以高管控制权与银行风险承担作为主要研究视角,通过对2005—2010年中国14家上市银行的实证研究发现：高管控制权对银行的风险承担行为具有显著影响,高管控制权较小的银行,相比高管控制权较大的银行,承担的风险显著较高;银行业实行的隐性存款保险制度弱化了高管的风险意识,高管控制权大的国有商业银行趋向于承担较大的风险。研究结果表明,缺乏有效的激励约束机制可能引发高管权力对银行风险控制的负效应,并进而损害银行的长期利益。