ISSUES IN INSURANCE AND RISK MANAGEMENT EDUCATION

Abstract: The risk management and insurance discipline faces a number of challenges. The author poses some questions which focus on those challenges.     

现实生活中的卡特尔组织(英文)

卡特尔组织是由竞争企业所构成的共谋联盟。企业通过在商品价格、产量和市场份额等方面订立协定而形成的同盟。本文将先阐述卡特尔组织的优点及其不稳定性,并运用保洁与联合利华的例子来分析卡特尔组织在现实生活中的稳定性。     

现实生活中的卡特尔组织

卡特尔组织是由竞争企业所构成的共谋联盟.企业通过在商品价格、产量和市场份额等方面订立协定而形成的同盟.本文将先阐述卡特尔组织的优点及其不稳定性,并运用保洁与联合利华的例子来分析卡特尔组织在现实生活中的稳定性.     

CONNECTING ACCOUNTING AND EDUCATION IN THE UK: DISCOURSES AND RATIONALITIES OF EDUCATION REFORM

In this paper we analyze the processes which have structured the emphasis upon budgeting and accounting in the Local Management of Schools initiative by outlining the inter-relations between the discourses of neo-liberal government and economics, and the apparent “need” for the expansion of accounting and budgeting systems in the public sector and particularly education in the UK during the past six years.At the heart of our analysis is the contention that accounting and budgeting systems have been promoted throughout the UK public sector by connections to a discourse of managerial enterprise and economic rationality. The intersections between accounting techniques, and economic and managerial notions of decision making, responsibility and market organization have provided the complex discursive formation within which the accounting and budgeting innovations introduced under LMS have been presented and represented as “necessary” elements of proper public sector organization. The colonization of accounting into the education sector has been made possible by a series of seemingly unquestioned linkages, associations and reductions, upon which we offer a commentary, between the discourse of economic rationality and the techniques of accounting.     

MODELING IMPERFECT KNOWLEDGE IN RISK MANAGEMENT AND INSURANCE

Abstract: The author examines the problems for risk managers associated with knowledge imperfections. He describes how fuzzy logic can be used to deal with situations when there is a lack of knowledge     

EDUCATION VOUCHERS IN PRINCIPLE AND PRACTICE: A SURVEY

An education voucher system exists when governments make paymentsto families that enable their children to enter public or privateschools of their choice. The tax-funded payments can be madedirectly to parents or indirectly to the selected schools; theirpurpose is to increase parental choice, to promote school competition,and to allow low-income families access to private schools.Some opponents predict that vouchers will destroy the publicsystem, aggravate poverty, and foster segregation. Others fearthat voucher-receiving independent schools will be regulatedout of recognition. The main purpose of this article is to examine the recent emergenceof voucher systems as an interesting phenomenon in its own right.The evidence summarized relates to voucher systems operatingin twenty countries, provinces, and states. The typical "funds-follow-the-child"voucher system, in which governments subsidize "schools of choice"in strict proportion to enrollment, appears to be the favoriteform. This type of voucher has been adopted by developing countries—notablyBangladesh, Belize, Chile, Colombia, Guatemala, and Lesotho—aswell as by industrial countries such as Poland, Sweden, theUnited Kingdom, and the United States. Much of the recordedexperience with such programs is pertinent to the longstandingtheoretical debates on the desirability of voucher systems.      

我国个人银行业务的发展现状及趋势探讨

20世纪90年代以来,个人银行业务得到了迅猛发展,逐渐成为银行利润的重要来源,也成为同业竞争的焦点.国外银行业个人金融产品创新层出不穷的事实,为即将进入微利时代的我国银行业拓展业务领域提供一种新的思路.本文首先从商业银行个人业务概念界定与种类分析和发展阶段入手,然后结合我国的实际,分析了当前国内商业银行开展个人业务的现状特点,探讨了居民储蓄业务、消费信贷业务、信用卡业务以及银行创新产品中存在的主要问题;最后通过分析金融产品服务模式创新、技术手段创新的发展趋向,提出利用网络银行开展个人综合理财将是商业银行个人业务未来发展的重点.     

DEVELOPMENT OF ENVIRONMENTAL LIABILITY RISK MANAGEMENT AND INSURANCE IN THE UNITED STATES: LESSONS AND OPPORTUNITIES

Abstract: The United States has the most developed system of environmental laws and regulations in the world. Not surprisingly, its systems for managing and insuring environmental risks are also the most evolved. Lessons can be learned from examining systems in the United States, particularly their considerable problems. The purposes of this paper are (1) to examine the development of U.S. environmental liability risk management and insurance systems, and (2) to present potential opportunities in this area for risk financing groups and other countries.     

IMITATION AND COORDINATION IN SMALL‐WORLD NETWORKS

We study aggregate behaviour in a setting where individuals repeatedly interact via a network to play a minimum‐effort (stag hunt) game. Of interest is whether play converges on the Pareto‐optimal or risk‐dominant outcome. We contrast the best‐reply dynamic with the imitate‐the‐best dynamic. We also contrast forms of lattice, small‐world and random networks. Our main finding is that play is far more likely to converge on the Pareto‐optimal outcome if individuals learn by imitation. We find that play in small‐world networks is similar to that in a regular network. Copyright © 2014 John Wiley & Sons, Ltd.     

CREATING VISIBILITY FOR INSURANCE AND RISK MANAGEMENT PROGRAMS IN HIGH SCHOOLS

Abstract: The author describes how a Summer Honors Course in Insurance and Risk Management for outstanding high school students has been devised to create visibility for the Insurance and Risk Management Program at Indiana State University. As the author points out, the same type of course could be devised at other institutions that have both 1) a Summer Honors Program, and 2) a strong undergraduate program in insurance and risk management.     

RECENT AND FUTURE MANAGEMENT CHANGES IN LOCAL GOVERNMENT: CONTINUING FOCUS ON RATIONALITY AND EFFICIENCY?

Dutch municipalities and provinces have recently introduced many changes relating to management control. This paper explores the role of economic and social rationality in the introduction of reforms, and the nature of possible future reforms. Based on interviews with politicians and professional managers and on documents, the paper examines experiences with recent management changes. In addition, it discusses ‘change initiating factors’. Budget cuts and trends seem to be such change initiating factors. However, particularly more demanding citizens, increases in voters' volatility and politicians' uncertainty seemed to initiate changes. The paper speculates that in the near future, too, it could be a rational survival strategy for politicians and managers to focus on initiatives that are intended to enhance performance and efficiency.     

保险业：橄榄枝伸向民间资本

民间投资在保险领域似乎更受青睐。如果要梳理有关保险领域鼓励民间资本进入的政策,可以回溯到很多年之前。不过,2012年3月28日可看作是一个新的起点。这一天,国务院召开常务会议,决定设立温州市金融综合改革试验区。国务院在部署温州金融改革12项任务时提出,拓宽保险服务领域,创新发展服务于专业市场和产业集群的保险产品,鼓励和支持商业保险参与社会保障体系建设。