我国城乡居民健康公平性研究

本文采用历史的、比较的分析方法,运用基尼系数、洛伦茨曲线等分析工具,分别从筹资公平、服务提供公平和健康公平三个方面对我国城乡居民健康公平问题进行了定性与定量分析,得出了新型农村合作医疗制度的开展显著降低了城乡卫生服务筹资的基尼系数等一系列结果.根据研究结果,对城乡健康公平性与二元社会结构,与政府干预、市场调节之间的关系作了分析,并对提高城乡健康公平性提出了相关政策建议.     

保险本质的产权经济学分析——兼与冯冠胜教授商榷

保险交易是一种等价、公平的交易.保险风险出险概率低、相关性低的特征决定了被保险人获赔的低概率性和"取丰"与"补歉"的不对等性.保险费经济收益权不确定但均衡,心理收益权则既确定又均衡.保险基金运用的实质是实现其应有的时间价值,保障型保险的基金收益是纯保险费的有机组成部分,被保险人无权分享.在产权经济学的视域里,保险本质是保险费确定性产权与保险金不确定性产权的交换.即确定性财产权与或有性获赔权的交换,确定性的小支出与不确定性的大损失的交换.     

论罗尔斯正义论对古典自由主义的超越

“自由”“平等”等词汇是古典自由主义的核心概念,从20世纪70年代以来,以罗尔斯的正义理论为代表的西方新自由主义从不同的角度对“平等”的概念进行重新阐释,使自由主义平等的理念更加丰富和完善。     

A penny saved is a penny earned? Differences in male and female savings and consumption tradeoffs on online retail platforms

Online retailers in Asia are increasingly offering interest paying accounts to their users. Based on temporal discounting theory, however, customers might consider tradeoffs in opportunities to save money (offered yield by the online retailer × the account balance) versus withdrawing money from the account for online purchases. Based on a sample of 1.95 million transactions from 24,591 customers, when short-term savings opportunities (7-day annualized yield × account balance) are greater, customers withdraw less money for purchase. Relative to females, males tend to withdraw less money for purchase from their account when long-term savings opportunities (1-year annualized yield × account balance) are higher. The findings have implications for temporal discounting behavior in online retail saving opportunities versus purchase transactions, and implications for online retailers who may cannibalize online sales by offering higher yields to online customers.     

Reaching the boiling point: Consumers' negative affective reactions to firm-attributed service failures

While anger is the dominant affective reaction following service failure, little research focused on its potentially damaging effects. Our study examines the impact of anger and related negative affective states on evaluations and behavior following firm-attributed service failure. Gender's moderating role in shaping these consequences is also studied. Scenarios involving failures in a bank and a retail store are used. Overall, angry customers are less satisfied, give lower service evaluations, have higher perceptions of injustice, and give weaker ratings of corporate image. Angry customers also less likely spread positive word of mouth and more likely complain, exhibit negative repurchase intentions, and engage in third-party action. Related negative states differentially impact cognitive evaluations and post-purchase behavior with anger (rage) being the most important predictor in a bank (retail) setting. As the intensity of the negative affective state increases, customers more likely engage in effortful consequences. Gender of the customer and the service employee play minimal roles influencing evaluative and behavioral outcomes.