Understanding Cumulative Risk Perception from Judgments and Choices: An Application to Flood Risks

Catastrophic events, such as floods, earthquakes, hurricanes, and tsunamis, are rare, yet the cumulative risk of each event occurring at least once over an extended time period can be substantial. In this work, we assess the perception of cumulative flood risks, how those perceptions affect the choice of insurance, and whether perceptions and choices are influenced by cumulative risk information. We find that participants' cumulative risk judgments are well represented by a bimodal distribution, with a group that severely underestimates the risk and a group that moderately overestimates it. Individuals who underestimate cumulative risks make more risk‐seeking choices compared to those who overestimate cumulative risks. Providing explicit cumulative risk information for relevant time periods, as opposed to annual probabilities, is an inexpensive and effective way to improve both the perception of cumulative risk and the choices people make to protect against that risk.     

相互保险的风险识别及创新解决方案——基于TRIZ和TIF理论

相互保险是保险组织形态中非常重要的一种,但是由于信息不对称,相对于其他保险模式而言,同样存在着逆向选择和道德风险问题。传统的监管模式下,监管渗透不够,反制力不强,导致了相互保险无法彻底解决逆向选择和道德风险的治理困境。本文基于塔福域理论和TRIZ理论系统地分析了相互保险模式中存在的风险,并且提出了创新性的解决方案,即构建“保险域”。     

Wage and Non-Wage Compensation Among Young Alcoholic and Heavy Drinking Women: A Preliminary Analysis

The association between drinking and selected job characteristics among women aged 24 to 31 is examined. Using the 1989 NLSY, women are classified as alcohol abusers or dependent based on DSM-III-R criteria or as heavy drinkers based on reported frequency of six or more drinks. Heavy drinking is negatively associated with wage and non-wage compensation. These effects diminish when human capital measures are controlled. Current alcoholism and current and past heavy drinking are strongly negatively associated with years of schooling. The association between alcoholism and job compensation and characteristics is not as strong as that seen for heavy drinking. It is not known if this is a consequence of errors in identifying alcoholic women in population-based surveys.     

关于精神损害赔偿制度若干问题的探讨

本文从我国精神损害赔偿制度现存的缺陷入手,通过国内外精神损害赔偿制度的简单对比,分析了我国此制度在主、客体范围和金额确定等方面存在的问题,并就此提出一些解决的办法.     

对车险改革后保险营销的浅析

在车辆保险条款费率改革之后的车险市场上,现实状况却与预计效果相差甚远。其主要原因是,对保险营销战略的忽视,没有以相应的保险营销战略为指导,使得营销战术在操作过程中显得盲目而跟从。针对以上问题,我们首先要做的是树立正确的保险营销观念,即重新审视营销战略在车辆保险中的作用,并在此基础上建立广义的产品观念;同时注重服务在车险营销中的作用;有效地进行市场细分和市场选择;最后对车险营销战略的具体实施即营销战术提出建议。     

汽车保险改革后的市场现状分析

2003年我国实行车险费率改革,给我国汽车保险市场带来了巨大的变革。业务能力拓展、车险品种增多及费率市场化都是改革的成果。但同时,某些问题依然存在。文章在分析我国车险现状的基础上,指出了问题所在,并有针对性地提出了解决之道。     

我国《合同法》应将损害赔偿规定为违约救济的首要方式

对于违约案件 ,法院在选择对受害人的救济方式时 ,应首先考虑损害赔偿 ,还是实际履行 ?西方国家多优先适用损害赔偿 ,因为市场主体的交易目的是赢利 ,而损害赔偿能以最快速度填补受害方的利益 ,且无需违约方配合 ,便于法院执行。但我国现行《合同法》却置实际履行于首位 ,损害赔偿于末位 ,这不符合事理、法理和国际惯例 ,应予修正。     

我国城镇养老保险存在的问题及对策探析

文章认为 ,我国城镇养老保险虽取得了很大的成绩 ,但还存在着诸多问题 ,作者对这些问题进行探讨和分析 ,并提出了切实可行的解决对策     

论救助款项的含义

对海上救助中有关救助款项的含义进行了分析和研究 ,同时分析了我国《海商法》中有关条文对救助款项的规定。     

Significant Factors of Aviation Insurance and Risk Management Strategy: An Empirical Study of Taiwanese Airline Carriers

Aviation insurance premiums have become a heavy burden for the airline industry since September 11, 2001. Although the industry must constantly balance its operations between profitability and safety, the reality is that airlines are in the business of making money. Therefore, their ability to reduce cost and manage risk is a key factor for success. Unlike past research, which used subjective judgment methods, this study applied quantitative historical data (1999–2000) and gray relation analysis to identify the primary factors influencing ratemaking for aviation insurance premiums. An empirical study of six airlines in Taiwan was conducted to determine these factors and to analyze the management strategies used to deal with them. Results showed that the loss experience and performance of individual airlines were the key elements associated with aviation insurance premiums paid by each airline. By identifying and understanding the primary factors influencing ratemaking for aviation insurance, airlines will better understand their relative operational strengths and weaknesses, and further help top management identify areas for further improvement. Knowledge of these factors combined with effective risk management strategies, may result in lower premiums and operating costs for airline companies.