职工养老保险扩面征缴的政策过程分析——基于江苏省的实证分析

养老保险的扩面征缴是确保养老保险可持续发展的中心环节,而养老保险扩面征缴涉及到政策的输出、执行和反馈等环节,在职工养老保险政策扩面征缴过程中,可以发现问题,对原有的政策进行修正和调整,实现政策的优化。     

论支持农业保险发展的财政政策

农业保险是为农业生产者在从事农业生产过程中,对遭受自然灾害和意外事故所造成的经济损失提供保障的一种保险。它被视作推动现代农业,确保农业可持续发展的关键因素。发展农业保险不仅能促进农业发展和农业产品供给,还能减少农民收入波动,增进农民福利。近年来,农业保险越来越引起我国学术界和政府的高度重视,我国财政政策对于农业保险的支持的传统做法正面临改革创新的历史机遇。     

Pricing farm-level agricultural insurance: a Bayesian approach

This paper applies Hierarchical Bayesian Models to price farm-level yield insurance contracts. This methodology considers the temporal effect, the spatial dependence and spatio-temporal models. One of the major advantages of this framework is that an estimate of the premium rate is obtained directly from the posterior distribution. These methods were applied to a farm-level data set of soybean in the State of the Paraná (Brazil), for the period between 1994 and 2003. The model selection was based on a posterior predictive criterion. This study improves considerably the estimation of the fair premium rates considering the small number of observations.      

论巨灾期权及其演进

巨灾期权是以巨灾损失指数为基础而设计的期权合同,是保险公司通过在期权市场上缴纳一定期权费以购买在未来一段时间内的一种价格选择权。本文旨在对巨灾期权及其演进进行系统考察,以期对其有更为全面的认识。本文回顾了巨灾期权的市场发展;分析了ISO,PCS,GCCI和CHI四种指数为基础的巨灾期权产品和运作原理,考察了这四种巨灾指数及其产品的演进。     

徐州地区农村金融体系的优化模式研究

通过对徐州地区新农村建设示范村的实地走访和调查,对徐州地区农村金融的现状、问题进行了比较详细的阐述,在此基础上提出了优化徐州地区农村金融体系的具体路径。     

医疗卫生产业化改革研究综述

看病难、看病贵在全国范围内是一个普遍存在的问题,深化医疗卫生体制改革是解决该问题的重要途径之一。然而,医改是世界难题。2005年,国务院作出了中国医改基本不成功的结论。学术界和实业界有关人士把前一阶段医改的失败归因于＂过度市场化＂,新医改方案也特别强调政府的作用。而由于一直以来,理论界对于＂市场化＂和＂产业化＂均没有形成统一的概念和认识,二者经常被混淆,因此目前医疗卫生产业化的提法显得相当谨慎。该研究系统分析了市场与产业的区别,在此基础上明确市场化与产业化的本质差别;对医疗卫生产业化的内涵进行了综述和界定,对医疗卫生是否应该产业化的正反两方观点进行总结和评析,提出在当前国情下,医疗卫生应该继续走产业化改革和发展之路,并着重讨论了医疗卫生产业化发展的背景和意义、遇到的困难障碍及应对思路。     

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.     

非理性就医对医保费用管理的挑战及应对策略

目的分析参保患者非理性就医现象,积极探索应对策略,为控制不合理增长的医疗费用提供参考。方法结合我院医保工作中对医保基金正确合理使用的管理及参保患者的就医情况,分析近年来参保患者非理性就医的现象、原因及结果,探索应对策略,总结规范化管理的措施。结果小病大治、大病贵治、无病保养等是非理性就医的主要表现,严重影响医保费用的管理,助推了过度医疗和医疗费用的不合理增长。结论应落实国家医药卫生体制改革,完善配套的医疗保险政策,深化医院医保费用管理,科学控制基本医疗付费总额,控制医疗费用不合理增长,从而保障医保基金的安全使用。     

澳大利亚基本医疗保险管理体静

澳大利亚拥有世界一流的健康服务体系。国民医疗保险作为政府主导下的全民医疗保险,保障了所有澳大利亚居民都可以获得必要的和高质量的治疗、药物及医院服务。澳大利亚政府的国民服务部负责国民医疗保险的具体管理并提供服务。同时,澳大利亚政府鼓励居民在国民医疗保险之外,积极参加私人医疗保险。94％以上的澳大利亚居民对基本医疗保险满意。通过介绍澳大利亚国民医疗保险及政府对其管理的基本情况,旨在为我国医疗保险制度的改革提供参考。     

Choice, price competition and complexity in markets for health insurance

The United States and other nations rely on consumer choice and price competition between competing health plans to allocate resources in the health sector. While a great deal of research has examined the efficiency consequences of adverse selection in health insurance markets, less attention has been devoted to other aspects of consumer choice. The nation of Switzerland offers a unique opportunity to study price competition in health insurance markets. Switzerland regulates health insurance markets with the aim of minimizing adverse selection and encouraging strong price competition. We examine consumer responses to price differences in local markets and the degree of price variation in local markets. Using both survey data and observations on local markets we obtain evidence suggesting that as the number of choices offered to individuals grows, their willingness to switch plans given a set of price dispersion differences declines, which allows large price differences for relatively homogeneous products to persist. We consider explanations for this phenomenon from economics and psychology.