科技保险问题研究

通过科技保险转移企业技术创新活动中面临的科技风险,对促进我国科技进步和经济发展有着重要意义。本文在调研的基础上,研究了国内外科技保险的理论研究和保险实践,描述了企业从事技术创新活动中科技风险的特点、国内科技保险的需求和供给,探讨了我国现行科技保险体系存在的问题并给出了改进建议。     

我国中小企业技术创新与风险市场融资分析

近年来,我国中小企业在经济发展和结构调整中发挥着越来越重要的作用,而中小企业的生存和发展往往又离不开技术创新的支持。本文主要通过借鉴国内外中小企业的技术创新与风险融资市场的发展状况,对我国中小企业技术创新与风险市场投融资的特点及其运作模式进行分析,认为风险市场投融资与技术创新之间存在着一定的联系,强调风险投资市场对中小企业技术创新的重要作用,并讨论了培育和发展我国风险投资市场,促进中小企业技术创新的做法,最后给出了解决我国中小企业技术创新与风险投资市场融合困境的相应对策。     

社会养老保险“多轨制”与家庭股票市场参与

依据中国家庭金融调查数据,运用Probit模型和Tobit模型,考量社会养老保险“多轨制”对家庭股票市场参与的影响。结果显示：社会养老保险“多轨制”通过缓解收入风险、健康风险与风险厌恶程度等,影响家庭股票市场参与;家庭净资产水平和信任水平异质性,影响家庭股票市场参与差异。其中,参加企职保或机关事业单位养老保险促进家庭股票市场参与显著,参加城乡居保影响不显著。鉴于此,应进一步整合社会养老保险“多轨制”,提高城乡居保的养老保障水平,充分发挥社会养老保险对家庭股票市场参与的促进作用。     

Risky business—reconceptualizing risk and innovation in public services

This paper explores the relationship between risk and innovation in public services, presenting the state of the literature across different disciplines and the academic and policy literature. It suggests a novel framework to approach risk, emphasising the importance of differentiating between different types of risk and risk management. The paper offers a typology of risk types and management approaches that indicates different effects on the type of public service innovation. It concludes by considering the implications for theory and practice.     

数字技术创新对企业违约风险的影响研究

基于2009—2022年中国沪深A股上市公司数据,采用面板固定效应模型,考量数字技术创新对企业违约风险的影响。结果显示,数字技术创新主要通过治理效应和信息效应显著降低企业违约风险,且在非高科技行业以及处于成长期和成熟期的企业中更为明显。鉴于此,建议加大对企业数字技术创新的支持力度,有效降低企业违约风险,增强金融经济体系韧性,推动经济平稳健康发展。     

金融创新风险的分类及其形成

本文通过对金融创新和金融风险的分析,讨论了金融创新风险的一般概念.然后,根据金融创新风险产生的原因以及对金融体系的不同影响进行分类,划分为金融创新自身活动及产品风险、金融创新市场风险、金融创新机构风险、金融创新货币政策及监管风险、金融创新系统化及国际化风险等,并对每一种风险的形成进行分析和阐述.     

金融创新风险的分类及其形成

本文通过对金融创新和金融风险的分析,讨论了金融创新风险的一般概念。然后,根据金融创新风险产生的原因以及对金融体系的不同影响进行分类,划分为金融创新自身活动及产品风险、金融创新市场风险、金融创新机构风险、金融创新货币政策及监管风险、金融创新系统化及国际化风险等,并对每一种风险的形成进行分析和阐述。     

基于政府参与情形的混合巨灾债券设计与实证分析

我国是属于自然灾害多发的国家,但由于保险市场与资本市场相对落后,目前对于巨灾的管理仍然主要依靠政府事后的财政拨款与民间捐赠。本文借鉴并改进了国内外相关研究结论,构建了由保险市场、资本市场以及政府所组成的巨灾风险分担模型。在该模型的基础上,以熵测度为准则,设计了一种有政府参与的混合巨灾债券,这种债券是传统的简单巨灾债券与...     

女性社会企业家创业动机、社会拼凑与反贫困创新绩效关系研究

“贫困女性化”的社会趋势显著,女性事实上成为全球反贫困的主要对象和反贫困的主要力量。女性社会创业作为反贫困创新的形式之一,却并未得到学者们的重视,相关研究非常缺乏。通过对国内外有关女性社会创业、社会拼凑理论文献的系统梳理构建了相对完整的理论基础,进一步丰富了社会创业领域的性别研究与拼凑研究。为分析女性社会企业家的创业动机、社会拼凑与反贫困创新绩效之间的关系问题,运用SEM方法对206份问卷分析后得出以下结论：女性社会企业家生存型动机与社会拼凑负相关,事业型动机与社会拼凑正相关;社会拼凑与女性社会企业家的反贫困创新绩效正相关;社会拼凑在女性社会企业家创业动机与反贫困创新绩效之间具有中介作用。     

社会保障概念再思考

当前我国对于社会保障概念的理解存在泛化倾向,社会保障是旨在抵御各种风险,保障国民基本生活,维持社会安全的制度安排,主要包括社会保险和社会救助两部分内容。社会福利是比社会保障内涵更为丰富的概念;社会保障包括在社会福利之中,是社会福利的基础部分和初级阶段。     

科技型中小企业技术创新的对策研究

近年来,技术创新成为科技型企业发展的核心关键。文章分析了技术创新在科技型中小企业中的重要性,探索性的发现科技型中小企业技术创新存在的障碍因素,提出拓宽融资渠道、建立人才激励机制、完善创新管理体系等解决对策,以改进科技型中小企业技术创新存在的问题。     

High‐risk Technology,Legitimacy and Science: The U.S. Search for Energy Policy Consensus

Since the 1980s, a growing body of social scientific research has focused on the organizational character of the institutions that are responsible for the management and functioning of high‐risk technological systems. While there are differences among the social theories of risks that have developed on both sides of the Atlantic, much of the work offers warnings that are relevant to public policy. The warnings have largely been ignored in recent U.S. policy decisions, as illustrated most clearly by the U.S. Energy Act of 2005, which largely overlooks important questions regarding the environmental and technological risks of the technologies favored by the Act. Sociological work suggests that the scientific systems that have been instrumental in the legitimization process of high‐risk technological options of energy, more broadly, should be examined in connection with the societal institutions having responsibility for transparency, safety, and environmental protection.     

树立新型残疾人观，促进残疾人社会参与和融合

人类社会对残疾的认识和态度经历了残疾的医疗模式、社会模式以及权利模式的演变。同时,残疾人本身也走过了从救济对象到权利主体的历史嬗变过程,逐渐形成了新型残疾人观。我们应当以社会模式与权利模式相结合的新型残疾人观为指导,采取多种措施促进残疾人社会参与和融合。     

创新运用保险技术分解社会风险探究

处于经济社会转型期的当代中国所面临的社会风险比以往任何时候更具复杂性和威胁性,社会风险管理面临严重挑战。通过阐述国际社会风险管理的新理念和趋势、分析现实中国的主要社会风险及其风险源,提出创新运用保险技术分解社会风险的必要性、可行性和现实路径及方法。重点提出通过商业保险对社会风险源的定性、定量分析,转化部分社会风险成可保风险,达到相应社会风险的被分解和预控。     

风险:我国社会保障面临的挑战

我国现行的社会保障潜伏着多重风险,既有社会保障基金收支风险,也有社会保障制度风险,更有社会保障社会风险。建立社会保障预警系统,才能进一步明晰中央政府与地方政府社会保障职责,加大财政对社会保障支付力度,解决养老保险转制成本,加快社会保障立法,化解社会保障风险。     

Evaluating an analytic–deliberative risk‐ranking process in a Chinese context

In previous research, a deliberative process for integrating stakeholder perspectives in the ranking of risks was introduced and empirically tested with lay groups composed predominantly of Americans. In this paper, we explore the viability of this process with lay groups of Chinese, because previous research has shown that Americans and Chinese differ substantially along many dimensions of cognition and social organization relevant to decision‐making. Using 10 environmental hazards based on current Chinese environmental regulatory programs as the risk domain, five groups of 8–9 participants ranked hazards using both holistic and multi‐attribute approaches. Results show that (1) risk rankings from the holistic and multi‐attribute approaches are consistent, (2) participants indicate that they are satisfied with the procedures and resulting rankings, and (3) agreement between participants increases over the course of the ranking exercise. Results for Chinese participants were compared with previously reported results for Americans to look for cultural effects involving deference to technical expertise and quantitative analysis, and skepticism toward public participation in policy‐making. Although there were some hints of cultural differences, neither difference significantly affected measures of the method’s validity or replicability. Because this process offers a scientifically sound and measured approach to stakeholder involvement in risk management, it may be attractive to Chinese leaders as they respond to growing demand for public participation in the policy‐making process. Whether Chinese citizens would consider the process described here to be satisfactory in a real policy context remains to be tested.