我国保险消费者合法权益保护现状及对策

随着我国法制建设的逐步完善与保险业的逐步壮大,保险消费者的维权意识日趋增强,与保险消费相关的纠纷也日趋增加。如何有效地减少保险消费纠纷,维护保险消费者合法权益,维护保险市场正常秩序,这对促进保险业健康发展和构建和谐社会十分必要。本文从保险消费者合法权益保护现状、合法权益、损害保险消费者权益危害性等诸多方面进行剖析。针对存在问题,本文提出相关保护保险消费者权益的对策。     

浅议土地整治项目工程监理

本文从项目管理与项目质量两方面分析了土地整治工程监理的重要性，针对目前监理工作中存在的问题，在监控体系、准入与年审制度、人员培训体系、验收程序等几方面提出了相应的对策。     

谈房建混凝土浇筑的监理控制措施

文章结合某房建工程中引入混凝土质量控制的专项监理工作,从进场材料的质量监理、模板安装的质量监理、混凝土浇筑过程的质量监理、混凝土养护的质量监理等4个方面综述了房建混凝土浇筑的监理重点,并提出防止房建混凝土出现裂缝的关键措施。     

Fine‐Tuning of Health Insurance Regulation – Unhealthy Consequences for an Individual Insurer

This paper sheds light on some unexpected consequences of health insurance regulation that may pose a big challenge to insurers' risk management. Because mandated uniform contributions to health insurance trigger risk‐selection efforts, risk adjustment (RA) schemes become necessary. A good deal of research into the optimal RA formula has been performed. A recent proposal in Switzerland has been to add ‘Hospitalization exceeding three days during the previous year’ as an indicator of high risk. Applying the new formula to an individual Swiss health insurer, its payments into the RA scheme are predicted to increase substantially, reaching up to 13% of premium income. Its mistake had been to implement Managed Care successfully, resulting in low rates of hospitalization. The expected risk management response is to extend hospital stays beyond three days, contrary to stated policy objectives.     

EUROPE – HOW CAN THINGS GET BETTER?

In the 2010 Wincott Lecture, the author – a former European Commissioner – explains how the process of policy‐making within the European Union can be improved. In order to gain the full benefits of an open and integrated single market, the EU must stop interfering in areas that should properly be the responsibility of member states. However, in the context of the current economic crisis, the EU should take a greater role in financial regulation and in ensuring fiscal responsibility among members of the eurozone.     

汽车责任险市场存在逆选择吗？——动态分组方法下的经验研究

本文通过对汽车责任险市场续保数据的动态分组，对“风险-保障”的相关性进行计量经济建模，采用Logistic模型研究我国汽车责任险市场的逆选择问题。通过这一动态分组方法下的经验研究，我们发现，逆选择现象在首年低保障样本中显著存在，在首年高保障样本中不显著。同时，我们还发现，费率求平对保障选择有显著影响，投保中的习惯性行为不太明显。     

我国发审方式改革的制度分析:一个研究框架

我国新股发行问题的深层次原因是行政监管力度较弱,法律风险水平较低,而核准制并不是主要原因。因此,我国发审方式改革的关键不是从核准制转变为注册制,而是完善相应的制度安排,有效地约束发行人或上市公司及其聘请的中介机构的机会主义行为,进而保护投资者利益。包括加强对发行人及其中介机构的行政监管;健全民事赔偿法律制度,提高发行人及其中介机构的法律风险;完善发行上市相关配套制度,比如提高审核透明度、完善退市制度等。     

浅谈财务信息公开与商业秘密的保护

揭示了企业信息公开的必要性与企业商业秘密保护的重要性。财务信息的公开与商业秘密的保护表面上看是矛盾的,但如能正确处理好这两者之间的关系,就能促使企业实现规范化管理,促进企业健康有序的发展。     

论优秀传统文化在构建和谐保险业中的作用

中国优秀传统文化中蕴含着丰富的管理思想和谋略,其中的"仁义"、"无为"、"兼爱"、"法治"等思想对我国保险业的和谐发展有着重要的借鉴作用。研究优秀传统文化与保险业的关系,古为今用,学习运用中国古代管理思想,并为构建和谐保险业而努力。     

基于科技重大专项绩效目标审计监督评价指标体系构建研究

为提高科技重大专项实施效果,针对其特点、审计监督的必然性、发展趋势和存在问题,提出审计监督的基本思路、原则、评价指标体系构建的具体内容及其简要评价与建议。