加大渔业互保支持力度 保障渔民安全生产

政策性渔业互助保险,是指依托国家政策支持和政府财政补贴,通过参保者互助共济,对渔业生产中因自然灾害、意外事故所造成的人员伤亡、财产损失给予一定的经济补偿。2004年起,浙江省在全国率先开展了政策性渔业互助保险试点探索。经过九年的不懈努力,互助保险覆盖面迅速扩大,保障程度显著提高,成功摸索出了渔业风险保障的发展路子,有效化解了渔业生产的作业风险,得到了各级党委政府和渔民     

浙江沿海地区渔业互助保险实证调查分析

渔业互助保险在我国已开展了十余年,绩效显著。截至2008年11月底,浙江省参保渔船13923艘,占协会可保渔船总数的96％;雇主责任互保118651人,占下海渔民总数的95％。全省互保费总量1．83亿元,承载风险保额254．43亿元。2005年至2008年,浙江省互保协会共处理理赔案件12400件,累计赔付1．27亿元,对受灾渔民恢复生产生活起到了积极的作用。探讨渔业互助保险基本问题,无论是理论还是实践层面均有现实意义。     

论渔业互助保险的政策功能---基于政府目标实现的视角

政府目标包括政府在产业政策、经济发展和社会管理等多个方面要实现的目标。渔业互助保险的政策功能表现在与国家渔业补贴政策调整、渔民风险保障及渔业安全生产管理等政府目标的实现相契合，因而成为实施政策性渔业互助保险的理论依据之一。     

山东省政策性渔业保险若干法律问题探讨

渔业是高风险行业。渔业保险是减少损失的有效手段。互助组织引导的渔业保险制度,在帮助渔民减损防灾、渡过难关方面发挥了重要的作用。但是,由于法律规定缺失等原因,导致了现实中渔业保险的开展出现了互保组织职能不清、管理不民主、财政补贴种类少等很多的问题。本文提出应立法明确互保组织地位、补贴法定等建议。     

省域政策性渔船保险经营模式探析

本文通过对渔船保险的市场需求和风险分析,结合目前国内现有的区域政策性渔船保险经营经验,提出渔船保险“国家立法,政府主导补贴和渔民缴费结合。商业保险和渔业互保共担风险,广覆盖、低保障、低保费”的共保经营模式。以探索符合中国国情的渔船保险经营之路。     

农业渔业农机互助保险发展座谈会在京召开

2010年12月10日,“农业渔业农机互助保险发展座谈会”在北京中国渔业互保协会大楼召开。     

论中国渔业互保协会的运作模式及其完善

中国渔业互保协会在实际运行中采用了"合作组织+行政辅助"运作模式,这种模式缘起在于渔民的自组织成本高于官方组织成本这一现实,两种成本之比决定了"合作组织+行政辅助"这一制度安排动态变动的边界.在这一制度安排中,实现了政府、协会本身和协会会员之间的三方正和博弈状态,这构成了该种制度安排的运作逻辑.随着渔业保险规模的扩大,...     

开展贝类养殖保险的必要性及实践分析

在农业生产中,渔业养殖是高风险的行业。当今,我国极端气候频发,热带风暴、赤潮等极端灾害天气使传统养殖业损失惨重,极大地损害了渔民（农民）的积极性,也不利于渔业的增收和可持续发展。为切实解决“三农”问题,党中央和国务院从2004年开始,连续多年提出加快推进政策性农业保险,分散渔民（农民）风险。为此,全国很多省份进行了政策性农业保险的试点。本文以浙江省开展以贝类养殖等特色农业保险为例,探讨开展此类保险的必要性,并进行具体的实践和可行性分析。     

谈谈我国的渔业互助保险

渔业互保事业的崛起 1982年,中国人民保险公司恢复农业保险,包括渔业保险。由于保险公司的商业保险与广阔农村小农户难以对接,导致展业难、定损难、理赔难,农业保险特殊性逐步显现,大干大赔、小干小赔、不干不赔成为制约发展的突出问题。其中,渔业保险包括咸淡水养殖、渔船、渔民意外保险的赔付率曾经高达300％。     

陕西农机互助保险试点开局惠农

陕西省农机安全协会聘请江泰保险经纪有限公司农业保险专家合作,组织农民风险互助,在西安、渭南和安康8市20个县区开展了农机风险互助合作保险试点。 试点工作3月18日启动,现在入会参加风险互保的会员6000多人,参保农机6000多台套。     

Almanac of anticipations: The age of affluence—of anticipation—of anxiety—of automation—of discontinuity—of longing—of overkill—of space exploration

With this survey of developments in the futures field since 1945, I.F. Clarke completes his present series for Futures. He makes two major points: that forecasting techniques have become essential tools in the management of change; and that nuclear weapons and ecological problems have added a moral dimension to the study of the future. In the next issue of Futures he will start a new series on the range of future-thinking in the USA, from the expectations of the first settlers to the Star Wars programme.     

社会主义所有制形式的改革、完善与共产党执政能力的提高

在中国,所有制形式的调整、改革与完善,先进生产力的发展,党的执政能力建设,是社会主义建设过程中密切结合在一起的三个不同层面的发展关系.应在相互促进和共同提高中促进社会的和谐发展,保证社会主义现代化建设战略目标的顺利实现.     

基金公司经营融资融券业务的问题审视

融资融券业务正式运营已经开展,为证券市场带来了革命性的改革,作为证券市场的一大主体,基金公司面对融资融券也迎来了新的发展方向和挑战,本文从融资融券业务的运行机制入手,分析了基金公司融资融券的新契机,并对其即将面临的问题进行审视和剖析,进而提出策略建议.     

对基层人民银行科技工作的几点建议

银监会分设后,人民银行将专司货币政策、金融稳定、金融服务三大职能。作为人民银行的分支机构,基层人民银行的工作重心也将从金融监管调整到这三大职能上来。人民银行的科技部门,就要积极运用科技手段,为人民银行履行新的职能发挥“服务、支持、促进、发展”的作用。一、围绕三大职能搭建五大平台经过“六五打基础、七五作准备、八五大发展”几个阶段后,人民银行相继实现了核算电算化、清算网络化和办公信息化。特别是近一两年来,陆续开通了大额支付系统、信贷登记咨询系统、会计四集中系统、金融信息服务网站等系统,人民银行信息化水平又…     

Properties of time-series estimates of degree of leverage measures

Empirical studies suggest that time-series regression estimates of the degrees of operating and financial leverage have a tendency to produce measures less than one. According to ex ante theory, these measures should be greater than one for firms operating above the breakeven point. There have also been suggestions that the biases in these estimates may be attributable to an underlying increase in unit sales. This work presents evidence that these counter-intuitive measures are produced by changes in the firm's operating parameters (unit price, variable cost, fixed cost and interest payments). It further suggests that attempts to control for the underlying change in unit sales substantially increase the volatility of predicted estimates.     

浅议金融机构的举证责任

金融纠纷案件是当事人以存单或进账单、对账单、存款合同、保险单、票据、证券等凭证为主要证据向人民法院提出诉讼的案件,对于不同种类金融纠纷的当事人的举证责任,我国现行的金融法律、法规及司法解释有不同的规定。由于金融机构的特殊法律地位,发生金融纠纷时存在有关当事人将最后偿付风险转移给金融机构承担的主观故意,在客观上会使金融机构难以提供相应的证据来对抗不法债权人的诉讼请求,而导致金融机构败诉。为此,对金融诉讼案件中金融机构的举证责任加以研究具有重要的实践意义。     

Summary of Results of Survey of Seminar Attendees

Abstract

The Society of Actuaries undertook a three-phase research project on mortality improvement in the three NAFTA countries: Canada, Mexico, and the U.S. Phase 1 consisted of a literature review of papers on projecting mortality levels in the future and a study of the trend in mortality improvement during this century. Phase 2 consisted of a discussion of different facets of modeling mortality rates at a seminar attended by 79 experts (actuaries, demographers, economists, and medical researchers) representing different countries. The last session of the seminar consisted of the completion of a survey by the attendees to obtain input for Phase 3, which would analyze the impact of mortality improvement on the social security system of each country. This paper summarizes the results of the survey.

The survey results illustrate the difficulty in forecasting mortality levels, because the effects of many factors that could have significant impact on mortality rates are unknown. This suggests the need for dynamic forecasting, which allows for the possibility of random shocks. A majority of the survey respondents believe that stochastic forecasting models, despite their complexity, have significant potential to add value. Respondents also believe that both historical data and cause-specific mortality forecasts are useful as input and also in validating forecasts of the aggregate levels of mortality. The challenge is to develop more sophisticated forecasting models to produce results that are relatively easy to interpret and to communicate these results to the desired audiences, including the public and policymakers.

The survey results suggest that the aggregate effect of lifestyle changes, medical advances, diseases, catastrophe, and physical environmental changes is an increase in life span. However, there is much uncertainty about the future. Respondents expect that beyond the year 2020 the mean annual rate of reduction in mortality for males age 65 and over will average about 0.58% for Canada, 0.76% for Mexico, and 0.67% for the U.S. The results for the female age 65 and over population are 0.64%, 0.83%, and 0.70%, respectively. The age 65 and over population is expected to see larger percentage reductions in mortality than the 0–14 and 15–64 populations. The reductions in male and female mortality will be ultimately the same, and the mortality levels in the three countries will ultimately converge, although differences may persist for decades.     

The Usefulness of Measures of Consistency of Discretionary Components of Accruals in the Detection of Earnings Management

Abstract:  Prior research has shown the prevalence of measurement error in models used to estimate aggregate discretionary accruals. In these models, the incremental information content of the various components of accruals is ignored. Limited prior research and data gathered from firms under Securities and Exchange Commission (SEC) litigation indicate that managers use either one or more than one component of accruals simultaneously, in a consistent way to manipulate bottom-line earnings in a given direction. I propose two measures that capture the consistency between the discretionary components of accruals and test their significance in earnings management (EM) detection in firms that have artificially added accrual manipulation and firms that were targeted by the SEC for accrual manipulation. There is evidence that this information is incrementally useful in detecting EM. This finding paves the way for improvements in the discretionary accruals measure by including consistency information from the components of aggregate accruals.     

Separation of Unit of Account from Medium of Exchange

The separation of a unit of account (UoA) from a medium of exchange (MoE) in the commodity–money system is investigated by considering explicitly a seller's choice of UoA in terms of either an MoE or a unit of metal weight. If the likelihood of debasement of an MoE and its rate are high enough, the price is posted in terms of a unit of metal weight rather than an MoE. Interestingly, this MoE–UoA separated equilibrium yields the flexible nominal price, whereas an MoE–UoA integrated equilibrium yields the sticky one. This implies the nominal price rigidity in the fiat‐money system where MoE and UoA are integrated.