基于因子分析的保险市场区域差异研究——以江苏省为例

根据保险市场发展对宏观经济环境的要求,以2011年江苏省保险业发展为例,采用因子分析和聚类分析对保险市场区域差异问题进行实证研究。结果表明,引起地区间保险市场发展差异的主要因素是经济外部环境,以及保险业自身发展存在的问题。因此,需要完善宏观经济环境,加强政府引导、市场培育、自身服务创新,以促进保险业和区域经济的协调发展。     

中国保险业区域发展比较研究——基于“保险基准深度比”的分析

本文在梳理有关衡量中国保险业区域发展的传统比较方法及其局限的基础上,提出保险基准深度比这一新方法,并在新的方法体系下,对有关中国保险业区域发展的传统判断进行重新审视并提出一个经过检验的新判断,最后提出有关中国保险业区域发展的新解释和新启示。本文研究的基本结论是:第一,以可比意义的相对于经济发展的保险业发展水平来衡量,中国保险业在东、中、西三大区域间的发展程度实际上是较为均衡的;在过去一段时期,这种均衡状态不仅较为稳定,而且有所改进。第二,对于中国保险市场的区域群聚现象,非饱和市场是一种更具证据、更为合理的解释。第三,对于保险公司,区域布局不应是简单地优先考虑中西部地区;在东部地区应当实施差异化的市场竞争策略。第四,对于政府监管机构,保险业区域政策导向不应是简单地向中西部倾斜;应当重视东部地区的市场恶性竞争问题;应当加强保险偿付能力监管。     

区域经济与区域保险协调发展研究

一、加快东北老工业基地和中西部地区的经济发展 区域经济在区域保险的发展中起着至关重要的作用。没有区域经济水平的提高,区域保险的发展将成为无源之水。我国保险业发展程度最高的是东部地区,其次为东北地区,最后是中西部地区。区域保险的协调发展关键就在于中西部地区经济的发展,该地区落后的经济发展水平成为制约保险业进一步发展的瓶颈。     

我国服务业发展的区域差异及其动态演化——基于Theil指数视角的分析

服务业的发展水平已成为一个衡量国家和地区社会经济发达程度的重要标志.中国经济自改革开放以来得到了前所未有的发展,服务业也进入高速发展时期,各地服务业在促进经济增长的同时在国民经济中的地位也在日渐提升,由于区域发展的不平衡,服务业的发展也存在区域差异.本文运用泰尔指数测算并分析了我国服务业区域差异及其变迁.结果表明,我国服务业发展的区域差异较为明显,主要是三大经济区域之间发展不平衡,总体差异是先缩小后扩大的趋势;差异主要来源于区域内部,其中大部分来源于东部区域内差异,即东部地区内部差异处于缩小趋势,西部地区呈扩大趋势,中部地区较为平稳;从服务业国内生产总值来看,东部服务业在总量上远远超过西部地区.在加快服务业发展的同时,应促进区域协调发展并优化服务业的产业结构.     

“一带一路”沿线国家保险市场发展差异研究

"一带一路"建设从基础设施建设到国际贸易再到金融服务,对保险的需求日益增加,同时也为中国保险业走出去提供一个重要平台。目前"一带一路"沿线国家保险市场的整体发展程度处于全球中下水平且各国之间存在较大差异。本文利用锡尔系数对沿线国家保险市场发展差异进行测度,发现沿线各国保险市场总体差异在逐步缩小,且主要来自区域间的差异,而非区域内部差异;另外中东内部差异程度较东南亚、南亚和东欧都要大。采用系统GMM估计,对沿线国家保险市场发展的影响因素进行了实证检验,发现沿线保险市场的发展差异主要取决于经济发展水平、金融市场发展程度、通货膨胀等经济因素,城镇化和宗教信仰等社会因素也有一定影响,同时沿线国家保险市场未来发展的持续性明显。中国保险业应抓住"一带一路"建设带动沿线国家未来经济向好的机遇,推动周边保险市场发展;分区域制定对外保险服务合作计划;高度重视沿线国家经济特点、文化和政治法律差异,制定适宜的合作策略等。     

中国经济增长区域差异的制度分析

自改革开放以来,中国区域经济获得了很大发展,但在区域经济增长上表现出严重不平衡.研究认为,制度因素在区域经济增长差异中起重要作用.中国的改革是一个渐进的制度变迁过程,且这一过程的区域进展从沿海到内地逐步减慢,各区域市场化进展的不平衡将导致区域经济增长差异的扩大.通过对全国31个省、市、自治区制度变量与经济绩效的定量研究,结果表明:制度变量在不同区域间的发展水平表现出很大的差异,东部地区的经济发展与制度变迁已经进入了一个良性循环互动的演变路径,而中西部地区各项制度变量值相对偏低.相应的,东部沿海地区比中西部地区具有更高的经济发展水平.     

浅析规避逆选择和道德风险的制度建设

随着社会经济的发展,中国保险业也在飞速发展.但是在发展的背后也存在很多问题.保险市场是典型的信息不对称市场,由信息不对称引起的逆选择和道德风险是广泛存在的.这些问题在很大程度上影响了保险风险分散机制的发挥,进而阻碍了保险市场的发展.本文主要结合我国保险市场的实际情况从制度建设的角度提出了规避保险市场逆选择和道德风险的对策.     

我国社会保障制度区域差异研究

由于我国实行社会保障属地化管理原则,在区域经济发展不平衡的条件下,由地方政府举办的社会保障存在明显的区域差异,中西部地区社会保障覆盖范围小、水平低、负担重、抗风险能力差,这不仅不利于区域社会协调发展。而且背离了区域基本公共服务均等化的目标。实现区域经济协调发展、完善现行社会保障制度、加大中央财政对中西部地区的转移支付力度是缩小社会保障制度区域差异的必然选择。     

对保险人才供求不协调的思考

我国保险业在改革开放政策的推动下一直处于高速发展状态,取得了令世人瞩目的成就.但是无论是与世界其他国家和地区保险业发展的水平相比,还是与我国经济发展和人民生活提高的内在需要相比,我国保险市场的发展仍显滞后.保险业是知识密集型的产业,人才具有基础性、战略性、决定性的作用,我国保险人才已成为我国保险业发展的最大瓶颈.     

辽宁区域经济发展的时空差异探讨

在我国经济发展的初期阶段,各个地区的经济水平逐渐上升,但是辽宁区域的经济发展水平明显较差,随着创建了东北老工业基地,同时也加快了辽宁区域经济发展的步伐.在发展当中,随之出现了区域之间经济发展不平衡现象,给各个区域经济的发展带来时空差异.本文主要对我国辽宁区域经济发展的时空差异进行了探讨和分析,针对出现的问题,提出有效的解决办法.     

John Stuart Mill's Theory Of Justice

John Stuart Mill has traditionally been portrayed as self-contradictory and failing to construct a unified social theory. Recent scholarship, however, has challenged this view, finding Mill's work to be creatively synthetic in bridging the antinomies inherent in liberal democratic thought. This revisionist interpretation of Mill is advanced by an understanding of his theory of justice and its role in shaping his policy positions on issues such as welfare, education, voting rights, property rights, taxation, government intervention, and the future of capitalism.     

A Rich Vein for “Reality Mining”北大核心CSSCISSCI

Arik Hesseldahl In the aftermath of the September 11 attacks, U.S. officials quickly turned their attention to other potential targets, including California's Golden Gate Bridge. What would happen if terrorists took down the bridge between San Francisco and Marin County? How much of the region would be affected and for how long?     

John Stuart Mill's Theories of Wealth and Income Distribution

Although he was much influenced by David Ricardo when he wrote the classical part of his Principles , John Stuart Mill was not a Ricardian when he penned his theories of wealth and distribution. They are based on a triple foundation. First, a belief that economics is a moral discipline. Second a theory of custom-driven human behavior. Third, an empirically formed conviction that the institutions of state, education and business cooperate to structure the distribution of income. On the basis of these presuppositions, Mill formulated 1) an institutional theory of the formation of human and non-human wealth and 2) an even more institutional theory of distribution demonstrating how the aforementioned institutions malignantly skew the distribution of income to the advantage of the propertied classes and to the extreme disadvantage of the working class. As a social economist, Mill recommended institutional reforms designed to eradicate the poverty of the working class.     

中国养活自己能力的长期预测:技术和政策分析

中国拥有世界五分之一强的人口 ,收入又在迅速增长。因此 ,国际上很自然地会考虑或推测她在今后的几十年是否有能力养活自己。中国的人口预计将从 2 0 0 0年的 1 2 8亿增长到 2 0 2 0年的 1 4 6亿 ,和 2 0 3 0年的 1 4 9亿。与此同时 ,人均收入的增长将导致对家畜和鱼类产品更大的需求 ,因而对饲料的需求也将有很大的增长     

Toward a Phylogenetic Reconstruction of Organizational Life

Synopsis Classification is an important activity that facilitates theory development in many academic disciplines. Scholars in fields such as organizational science, management science and economics and have long recognized that classification offers an approach for ordering and understanding the diversity of organizational taxa (groups of one or more similar organizational entities). However, even the most prominent organizational classifications have limited utility, as they tend to be shaped by a specific research bias, inadequate units of analysis and a standard neoclassical economic view that does not naturally accommodate the disequilibrium dynamics of modern competition. The result is a relatively large number of individual and unconnected organizational classifications, which tend to ignore the processes of change responsible for organizational diversity. Collectively they fail to provide any sort of universal system for ordering, compiling and presenting knowledge on organizational diversity. This paper has two purposes. First, it reviews the general status of the major theoretical approaches to biological and organizational classification and compares the methods and resulting classifications derived from each approach. Definitions of key terms and a discussion on the three principal schools of biological classification (evolutionary systematics, phenetics and cladistics) are included in this review. Second, this paper aims to encourage critical thinking and debate about the use of the cladistic classification approach for inferring and representing the historical relationships underpinning organizational diversity. This involves examining the feasibility of applying the logic of common ancestry to populations of organizations. Consequently, this paper is exploratory and preparatory in style, with illustrations and assertions concerning the study and classification of organizational diversity.     

Information infrastructure: Who builds broadband networks?

This paper examines the essential difference between the U.S. and Japan, when one considers information infrastructure. There are seven perception gaps between the U.S. and Japan concerning Information Infrastructure policies. These gaps must be understood in order to compare the countries' governmental policies in this area. In looking at the present circumstances, the essential question to answer concerns who is to build, own and operate the network(s) of the infrastructure. Liberalization is certain to be a central factor in the ongoing telecommunications debates. Now that customers have had a taste of the liberalized market-place, the movement toward more open markets will be difficult to stop. When considering options, it is necessary to pay close attention to standardized network access and the increasingly important role software plays. These issues are causing us to take a new approach to the traditional role played by regulators. They also force a closer look at the appropriate structure of utility companies. This paper addresses the above issues in hopes of stimulating dialog on the new telecommunications infrastructure paradigm.     

Nonlinearity in Stock Exchange Markets: The Case of Bist 100 Indices

In this paper,using data for the Bist 100 index,we investigate the presence of nonlinearities by employing several nonlinearity tests.The Brock,Dechert,and Sche...     

Solidified Branding Function: How the Urban Brand Affects a Small Town’s Development? Case Study of Wangqingtuo,Tianjin, China

Chinese small towns are usually developed with single core industry,and the urban brand is the identity of a town that formed with the development of its indust...     

海岛地区产业演替及资源基础分析--以舟山群岛为例

改革开放以来,舟山市产业构成发生了显著变化,其经济发展过程可以划分为三个阶段。1992年前,是以产业结构渔业占绝对地位的单一结构阶段;1993—1998年,以旅游业为主的第三产业快速发展阶段;上世纪末以来,又进入了新一轮的经济发展时期,即工业产值比重快速增加阶段。根据海岛的自然资源基础和特点,在新世纪的经济发展过程中,舟山市应定位为生态型的港口旅游城市。以港口及临港工业为主导,以海岛旅游和海洋经济为特色,大力发展第二产业和第三产业。海岛地区的主导产业应体现海岛资源优势及区位优势,以集群性环保型产业为主。同时由于海岛地区淡水资源缺乏,主导产业也应着重选择低耗水型产业。