国际保险业的发展特征与趋势分析

目前国际保险业的主要发展特征是：保险业发展迅速，在国际金融业和世界经济发展中的地位不断提升；新兴工业化国家保险业发展迅速，但发达国家保险业依然占据垄断地位；寿险业发展相对下降，非寿险再次出现快速增长趋势；各国保险密度均不断提高，但增长势头明显减弱；国际寿险业保险深度不断上升，非寿险保险深度出现下降趋势；保险产品结构发生巨大变化，投连产品等创新产品发展迅速；非寿险公司边际偿付能力下降，寿险公司资本金大幅度减少，国际保险业经营风险加大；国际保险业兼并收购愈演愈烈，行业集中度日益提高。     

中国寿险业区域差距的实证对比分析

寿险业的发展受风险、经济、社会、人口、观念等许多外部因素的影响,而区域间外部发展环境的不同,决定了各区域寿险的发展基础和要求不同,并最终形成了寿险业的区域特色和区域间发展水平的差距。东、中、西部寿险业发展影响因素的实证研究表明:各因素对不同地区寿险发展的影响程度不同,相比较而言,人口受教育程度差距是造成中、西部与东部寿险业发展水平差距的主要原因。但从总体来看,各影响因素对寿险发展的直接作用程度较低,说明区域外部发展环境对地区寿险发展的推动作用有限。因此,应转变寿险经营方式、实施人才战略、开发具有地区特色的寿险产品、充分发挥地方政府对寿险业的支持作用和提高消费者保险意识来推动寿险业的进一步发展,缩小区域差距。     

浙江寿险业--繁荣背后的深思

目前，浙江寿险业无论是市场规模还是发展速度，在浙江保险业乃至全国寿险业中均处于相对领先的地位。浙江寿险业的繁荣发展既有浙江宏观经济快速发展的推动，也有社会各项改革措施的不断深化和各大寿险公司个人营销制度不断推进等多方面的因素，同时也存在着一些应该引起我们高度关注的问题。     

中国保险业发展、城市化与经济增长

本文采用我国1985年-2011年时间序列数据。检验和估计了我国保险业发展、城市化水平与经济增长的关系。结果表明：城市化水平、非寿险业发展与经济增长存在单向因果关系,而寿险业与经济增长之间因果关系不显著;城市化水平、非寿险业与经济增长存在正向关系,而寿险业对长期经济增长产生抑制效应;城市化水平对经济增长的贡献大于非寿险业对经济增长的贡献。为此,本文提出政府应加大对保险业发展的政策支持力度。均衡发展寿险业和非寿险业,重点支持县域和农村保险业的发展,拓宽保险业参与国民经济发展的途径;加快城市化建设的进程以促进保险业的发展;在城市化进程中重视非寿险业的发展。     

个人代理营销模式现状评估与改革建议

改革开放以来,我国的寿险业取得突飞猛进的发展,寿险业作为保险业的一个重要的组成部分,其健康发展有助于我国国民经济的增长和人民生活水平的提高。寿险营销模式是寿险业能否健康发展的关键。在我国,个人代理模式是寿险营销的主要模式。然而,这种已经走过了20年的模式却由于其自身缺陷及存在问题,正在危害寿险业的健康发展,已经到了不得不改革的地步。本文从我国寿险业的发展历程开始,介绍了我国现行的寿险营销模式,分析了我国现行寿险营销模式的弊端,并针对我国现行的寿险营销模式提出了几点建议。     

保险：福荫百姓惠泽国家

保险营销对于我国保险业改革而言有着脱胎换骨的意义。我国保险业超常规发展受惠于保险营销。２００１年，我国寿险营销的保险收入大体相当于我国寿险业恢复１４年间（１９８２年—１９９５年）寿险总保费收入的总和，达到了１１００亿元，占去年我国总保费收入的５２％。有一个数字令人惊异，我国寿险业恢复之初的１９８２年，全国寿险保险收入仅为１５０万元，这个数字今天许多营销能手一个人就能独立书写。我国保险业的现代发展史必须铭记保险营销，否则近十年中国保险历程场和中国国情的机制，以极低的改革成本，在很大程度上摆脱了我国…     

少数民族地区扩大融资的金融选择

少数民族地区大部分属西部地区,在实施西部大开发战略中,少数民族地区面临着加快经济社会发展的历史性任务。但资金短缺是严重制约这些地区实施西部大开发和经济建设的重要因素,因而,融资问题是少数民族地区实施西部大开发战略成败与否的关键。     

我国保险业系统风险分析

分析了我国保险业现实风险和隐性风险表现，探讨了保险业系统风险的定义、寿险和非寿险业可能引发系统风险的主要因素以及个体风险向系统风险转化的条件。     

第二轮西部大开发对青海保险业的影响分析

实施西部大开发战略,是西部地区加快发展的重大战略机遇。这直接关系到扩大内需,促进经济增长,关系到民族团结、社会稳定和边防巩固,关系到东西部协调发展和最终实现共同富裕。青海省作为西部大开发的省份之一,第二轮西部大开发对青海保险业的持续快速健康发展提供了历史性的机遇也带来了挑战。文章针对当前青海保险业的基本状况,分析了第二轮西部大开发对青海保险业的影响,并指出了青海保险业在第二轮西部大开发中应做的主要工作。     

我国寿险业面临的发展难题及相关对策

我国保险业经过分业经营后,寿险业得到了长足发展,１９９７年,全国寿险经费总收入已达到６００多亿元,在稳定国民经济、安定人民生活方面发挥了应有的保障作用。同时,客观地分析我国寿险业,在其发展过程中也面临着一些不可回避的问题和困扰。１．寿险业面临经营风险...     

Penetration and Post-infection Development of Meloidogyne Incognita on Tobacco as Treated by Rhizobacteria Pseudomonas Fluorescens Strain P-72-10

The bio-control potential of rhizospere bacteria Pseudomonas fluorescens against plant-parasite nematode had been demonstrated. P. fluorescens had shown the effect to enhance tobacco resistance to root-knot nematode Meloidogyne incognita. Inoculation with P. fluoreseens in tobacco could lead to significant reductions in the number of juveniles that penetrated tobacco root and further life stage development of the juveniles. The number of juveniles penetrated into tobac- co root in treatment with P. fluorescens is significantly different from CK at 2DAI, 6DAI, 8DAI and 10DAI. Significant reduction and delayed development of juveniles that penetrated into tobacco root and treated were observed in treatment at 14DAI, 21DAI, 28DAI and 35DAI. In addition, P. fluoreseens treatment leads to a significant reduction in the number of eggs per egg-mass at 35 DAI. The results show P. fluorescens induced a continuously suppression on root-knot nema- tode M. incognita throughout their entire early infection phase of root penetration, subsequent life stage development and reproduction.     

利用膜技术回收利用碱性废水研究进展

回顾了利用膜分离技术处理碱性废水的工艺与综合利用技术所取得的丰硕成果，总结了各种治理方法的特点、适用性及发展方向。     

Taxing Times in Indonesia: The Challenge of Restoring Competitiveness and the Search for Fiscal Space

Indonesia’s economic growth picked up slightly in mid-2016 but remains below the level demanded by government and popular aspirations. Despite a plethora of reforms intended to increase efficiency and productivity, some policies are perverse and longstanding problems of implementation remain. The share of manufacturing has declined, the real exchange rate has appreciated, exports have dwindled, and growth has been trending downwards. The banking sector is stable but inefficient, with wide net interest margins and numerous barriers to competition. Trade protection, particularly in basic food commodities, has created high costs that weigh particularly heavily on the poor. Declining government revenues have placed increasing pressure on the public budget, even as the current administration aims to increase spending on infrastructure and welfare and to enhance productivity. In an effort to increase revenues, the government has announced a tax amnesty program and other measures. In addition, Sri Mulyani Indrawati, the new finance minister, has taken steps to cut non-essential expenditure in order to secure high spending on infrastructure and at the same time keep within the 3% budget deficit limit stipulated by law. Although the overall debt situation is not yet alarming, declining revenues and budget cuts that do not fully reflect this decline are putting pressure on increasing debt levels. The government’s high-profile tax amnesty program was the major policy initiative implemented in the second half of 2016 that aimed to relieve this pressure. Despite widespread criticism of, and scepticism about, the tax amnesty (both within and outside Indonesia), its first phase had a much higher participation rate than most independent accounts expected. Revenues raised so far through the amnesty are less than 60% of the official target, but this is actually a strong result for the short term. The bigger question, however, is whether the amnesty is a key element of a more encompassing strategy to overhaul the system of taxation and tax administration.     

The causes of Japan's ‘lost decade’: The role of household consumption

In this paper, I analyze the causes of the prolonged slowdown of the Japanese economy in the 1990s and find that the stagnation of investment, especially private fixed investment, was the primary culprit. I then investigate the causes of the stagnation of household consumption during the 1990s and find that the stagnation of household disposable income, the decline in household wealth, and increased uncertainty about the future are among the contributing factors. Finally, I consider whether demand side factors or supply side factors were more important as causes of the prolonged slowdown of the Japanese economy in the 1990s and conclude that the former (especially misguided government policies) were probably more important.     

我国发展天文旅游的条件、前景探析及策略思考

天文旅游资源从成因可以分为行星地球天文旅游资源、天体天文旅游资源和天文文化旅游资源三类。天文旅游方兴未艾,我国天文旅游具有很大发展前景。文章对我国开展天文旅游的条件进行了分析,对发展天文旅游的策略和措施进行了梳理。     

城市社会的开放与农民的城市化

城市社会在对农民的开放与封闭之中徘徊。改革开放后城市社会对农民的开放已经使很多农民城市化。城市社会对农民的封闭已由政策性封闭转向经济性封闭。城市社会对农民的封闭增加了农民城市化的成本和社会风险。必须加强城市社会对农民的开放,逐步消除对农民的封闭政策,以推进农民的城市化。     

信息化时代商学院图书馆的建设与发展——中、美四大名校商学院图书馆建设的比较与启示

信息化时代中美商学院图书馆的建设与发展,成为当今时代高等商学教育发展与进步的一个重要环节,对中美四大商学院图书馆的发展状况、差距进行分析比较,对促进我国商学院图书馆事业的改革、建设和发展具有一定的启示作用和参考价值。