我国高职教育质量管理的基础框架及有效路径探析

本文提出我国高职教育应树立科学的质量观,并以此解构了高职教育质量管理体系的基础框架,探讨了高职教育质量管理的有效路径。     

论高校危机管理的思想政治教育创新——基本原则与实践路径

思想政治教育是公共危机管理的重要方式和手段,在高校危机管理中具有预防危机、规范导向、整合资源、稳定局势、修复秩序等功能。创新高校危机管理中的思想政治教育,这既是新时期高校有效治理危机和维护校园和谐稳定的必然要求,也是推进高校治理体系和治理能力现代化的重要课题。高校危机管理中思想政治教育创新应坚持以人为本、预防为主、组织动员、迅速反应的原则,并从强化师生主体地位、增强思想政治教育预防功能、推行思想政治教育网格化、改革思想政治教育方式路径等四个维度来展开。     

中国寿险业增长中的人才贡献率研究

2011年以来,整个寿险业面临增速放缓的巨大压力,如何顺利实现转型发展战略成为关注的焦点。从人才建设角度,利用行业内具有影响力寿险公司作为代表,借鉴国际通用要素贡献率计算方法,对我国寿险业人才贡献率进行了初步测算,并从管理制度、培训体系和企业文化等方面提出了相关政策建议。     

Culture,financial crisis and the demand for property,accident and health insurance in the OECD countries

Culture has been known to play an important role in explaining differences in consumption behaviour across countries. Yet, we know very little how it affects spending on non-life insurance products. This paper attempts to shed some light on how cultural characteristics impact the demand for property, accident and health insurance, focusing on the OECD countries in the period 2000–2017. We find, via the system generalized method of moment estimations, that cultural characteristics such as individualism, long-term orientation, masculinity and uncertainty avoidance were the drivers of the expenditure on property insurance, whereas long-term orientation, uncertainty avoidance and hypometropia explained accident and health insurance spending across the OECD countries. In the presence of the global financial crisis, cultural effects on property insurance spending turned out to be relatively minor, with the exception of individualism. These findings provide valuable information for non-life insurance companies, consumers and policy makers in the OECD countries.     

Information Asymmetries and Risk Management in Healthcare Markets: The U.S. Affordable Care Act in Retrospect

This article critically examines the pertinent issues in ex ante and ex post moral hazard in healthcare markets, with the U.S. Affordable Care Act (ACA) as its focal point of inquiry. First, it compares the various types of information asymmetries resulting from the production, allocation, and utilization of health insurance. Second, it reviews the literature on adverse selection, moral hazard, and risk mitigation against which salient ACA reforms are analyzed. In contrasting conventional moral hazard from an alternative theory of welfare maximization, it suggests that healthcare (over)utilization cannot necessarily be considered wasteful, even if it ends up costing insurers more on a short-term basis. Costs and savings attributable to healthcare spending under the ACA will vary between the consumer, insurer, and regulator-subsidizer. Despite the ambiguities surrounding definitions of “health,” the challenge of containing inefficient moral hazard, and encouraging its desirable counterpart, lies in the tradeoffs that arise between consumer access to affordable and quality healthcare and the market competitiveness of health insurers. The new Trump administration will have to address these tradeoffs in repealing and replacing the ACA, particularly in light of escalating insurance premiums and deductibles, narrower provider networks, and technical implementation issues.     

对现阶段中国长期护理保险产品的开发建议

卫生部调查数据显示：中国60岁以上老年人余寿中有2／3的时间带病生存,平均1／4左右的时间处于机体功能受损状态。2008年底,中国60岁以上人口总数达到1．49亿,医疗保障需求极为旺盛,然而,通过保险解决医疗费用支出的比例微乎其微。从中国现行社会保障体系的实际情况出发,结合国外长期护理领域的成熟产品以及中国老年人群的特点和护理需求,对如何做好老年人群的产品规划,促进保险产品创新,提出相应建议。     

Local elections and consumption insurance

During our sample period from 1987 to 2002, Chinese villages completed the transition from government‐appointed village leaders to elected ones. This article examines if and how much democratic elections of the village leaders affected consumption insurance by Chinese village residents. Exploring a panel dataset of 1,400 households from this period, we find that consumption insurance is around 20 percent more complete with elected village leaders. Furthermore, local elections improve consumption insurance only for the poor and middle‐income farmers, but not for the rich. The results are robust when we allow for pretrending, potential endogeneity of elections, and higher measurement errors for rich residents. We also find that the effects on consumption insurance are stronger when closer to the upcoming election year and when the village committees consist largely of non‐Communist Party members. These findings suggest that the election effects on consumption insurance partly come from increasing accountability to local constituents.     

Does High Stock Price Synchronicity Always Hurt Mutual Fund Industry? Sentiment Matters

Investors have agreed that high synchronicity of stock returns adversely influences professional funds' profitability. However, different market conditions where high synchronicity exists may have different effects on this relationship. This study incorporates aggregate investor sentiment as a market condition in the equation to explore whether and when the negative association between synchronicity and fund performance holds. The authors use a sample of actively managed U.S. equity mutual funds from 2000 to 2014 and employ a portfolio of 11 passively managed funds as the benchmark to measure fund performance and fund management skill. They find empirical evidence that synchronicity negatively impacts mutual funds' profitability when the investor sentiment is low. This negative relationship disappears in high-sentiment periods. They also find that in both low- and high-sentiment states, fund managers with superior stock selection skill make more profits from high synchronicity than the average.     

国外农业巨灾保险管理及借鉴

我国是农业巨灾频发且后果较为严重的国家,农业巨灾给人民生命财产造成重大损失,而目前我国还没有建立农业巨灾保险体系,农民面对农业巨灾,缺乏基本生产和生活的保障。我国应借鉴国外巨灾保险发展的先进经验,加快农业巨灾保险的立法工作,建立多层次的风险分散机制,建立农业巨灾保险基金,逐步构建完善和谐社会下的巨灾保险体系。     

中国保险市场结构与政府监管的动态均衡研究

中国保险市场发展30年间,保险市场结构经历了从完全垄断到寡头垄断再向垄断竞争的变迁,政府监管政策也随之不断调整。在这三个阶段中,保险市场结构与政府监管政策在相互匹配上总是一个均衡-非均衡-均衡不断循环的过程,其错配的根源主要有政府监管政策供给存在偏好以及中国保监会定位模糊等。因此,要在新形势下两者实现新的均衡,需在监管目标、主体和内容方面进行适当调整。