云南省老油房石灰岩大理石矿矿床特征及矿石工艺特征

在充分收集区域地质、野外调查和样品测试分析的基础上,系统地研究了云南省西畴县老油房石灰岩大理石矿的地质背景、成矿条件、矿床特征及矿石的工艺特征。结果表明该矿区矿体产状稳定,成层状产出;品种为灰色生物灰岩大理石,矿石体重适中;吸水率低,抗风化能力强;莫氏硬度较低,便于切割分离;耐磨率适中,便于打磨抛光;抗压、抗折、抗剪强度满足饰面石材工业技术指标要求;荒料率、板材率明显高于国家标准,适宜开采;可为大理石矿的勘查、开采、加工等方面工作提供参考。     

Converting retirement benefit into a life care annuity with graded benefits*

This paper deals with life care annuities, i.e. bundled products comprising a life annuity and long-term care insurance. It aims to assess the cost of converting retirement benefit into a life care annuity with graded benefits using a pre-existing public pay-as-you-go pension scheme. With this objective in mind, we present an actuarial method based on array calculus for valuing this type of life care annuity. The health dynamics of the annuitant rely on a reversible illness-death multistate framework. The paper contains a numerical example in which mortality and disability assumptions are based on data from the USA and Australia, although this should be viewed simply as an illustration. In addition, in order to check the coherence of these data, we compute life expectancy for both healthy and dependent persons, and then for dependent persons in each of the states of dependence. The effect of ruling out the recovery assumption on the annuity’s cost is also assessed. The analysis provides valuable insights into how much it would cost to introduce these annuities and enables us to make some policy recommendations to help ensure that this combined pension scheme has a good actuarial design.     

株洲市农村养老保障情况调查及思考

中国已步入“未富先老”的老龄化社会,农村养老保障问题日趋凸显,株洲市更是进入了非常重要而又十分特殊的社会转型时期.本文分析了株洲市农村养老保障的现状、存在的主要问题以及产生问题的根源,针对这些问题提出了相应的对策建议.     

Health insurance reform: The impact of a Medicare buy-in

The steady-state general equilibrium and welfare consequences of a Medicare buy-in program, optional for those aged 55–64, is evaluated in a calibrated life-cycle economy with incomplete markets. Incomplete markets and adverse selection create a potential welfare improving role for health insurance reform. We find that adverse selection eliminates any market for a Medicare buy-in if it is offered as an unsubsidized option to individual private health insurance. The subsidy needed to bring the number of uninsured to less than 5 percent of the target population could be financed by an increase in the labor income tax rate of just 0.03–0.18 percent depending on how the program is implemented.     

Charting a Course on the Islamic Finance Ocean： A Survey of Islamic Insurance Literatures

The number of Muslim literates in Islamic finance and conventional finance, particularly Islamic insurance, has grown tremendously, so has the number of academic and professional articles, books, and other monographs published in Islamic insurance profession. Despite Islamic insurance uniqueness based on Islamic values and philosophies, its emancipation aimed to compete or eradicate the conventional insurance at both academic and professional levels. Those monographs that were intended to replace their conventional insurance counterpart have triggered endless debates among stakeholders on their authenticity and quality of knowledge and as well challenged their authors＇ authorities. Therefore, with content analysis, this survey verified whether the Islamic insurance literatures were capable of producing well-seasoned professionals of lslamic insurance. The results showed that the disputes over the available literatures might have contributed to the failure of having a standard curriculum for teaching Islamic insurance as a profession in academic at national and international levels. Review of the literatures and curriculum was recommended.     

Solvency Ⅱ与C-ROSS非寿险保险风险最低资本要求比较研究——基于中国60家财产保险公司的经验证据

本文以非寿险业务保险风险最低资本要求为考察对象,研究了欧盟Solvency Ⅱ与中国C-ROSS的差异,并利用中国保险市场60家财险公司的经验数据,对两者之间的差异进行了实证和模拟分析。研究结果表明,Solvency Ⅱ和C-ROSS对中国财险公司保险风险最低资本要求存在差异。对于拥有传统业务结构的财险公司,Solvency Ⅱ对保险风险最低资本要求更高,但是这种差距随着公司业务规模的缩小而减弱;对于以经营某些专业险种为主的财险公司,主营业务险种对两者差异具有决定性影响。本文的研究结论详细解释了Solvency Ⅱ与C-ROSS在非寿险保险风险最低资本计算上的异同,对C-ROSS下一步的修订工作提供了一定的支持与参考。     

当前差别存款准备金政策的制约因素及对策

差别准备金动态调控政策是我国建立逆周期宏观审慎管理框架,防范金融机构系统性风险的重要举措。本文围绕宏观审慎管理念和差别化调控思路,结合淄博市法人金融机构的具体情况,分析了2011年差别准备金动态调控中遇到的机制障碍,就如何完善差别准备金动态调控工具提出了政策建议。     

THE DECISION TO DEMUTUALIZE: AN EXPLORATION OF THE DRIVERS OF ORGANIZATIONAL CHANGE WITHIN THE AUSTRALIAN LIFE INSURANCE MARKET

The restructuring of the financial landscape that has occurred in the last three decades, has led to a reassessment of co‐operative models of organization. An outcome of this process has been the demutualization of mutual financial organizations. Using a case study approach this paper analyses the pressures on mutual structures encountered by Australian mutual life insurers. Such an approach provides a number of insights into the way in which firms adjust to changes in regulatory and competitive environments. It is concluded that a number of exogenous and endogenous forces combined to drive the process of organizational change.     

Why the Development of Health Insurance Is Regionally Imbalanced: Evidence from China

As China adopted an imbalanced development strategy to obtain rapid economic growth, it is getting more and more urgent to find out a feasible way to balanced development of social safety network. This study measures the degree of regional disparities in China’s health insurance industry and explores the rationales by a thorough examination of health insurance purchasing behavior. An empirical analysis is conducted, based on a panel data of 31 provinces from 2004 to 2014, to test the hypothesis. We find that the regional disparities would be significantly affected by the variables including age structure, education, income, availability of health resources, density of population, and substitutes.     

信用保险参与农产品经营的探讨

新型城镇化实现的前提是“三农”问题的有效解决,而解决“三农”问题的关键在于农产品企业的发展壮大.本文从农产品生产和经营特点入手,剖析农产品企业在生产经营中遇到的各种问题,从实际案例出发,探讨信用保险在农产品企业经营中发挥的作用以及存在的问题,并提出相应的解决思路.