Mileage-based pricing insurance and its impact on China

Mileage-based pricing insurance,such as PAYD,is known as the"green insurance"because it is low-carbon and environmentally effective,which is the biggest innovation in the global auto insurance industry seen in the past decade.Starting from the perspective of economic externalities,vehicle negative externalities in China are described.In order to introduce mileage-based pricing insurance to the Chinese insurance industry,this paper reviews the current practice of PAYD insurance and its impacts on transport externalities,including air pollution,climate change,energy dependency,congestion,accidents,and others.Finally,enlightenment and policy suggestions are proposed,in the hope of better promoting the low-carbon economy development over the whole of China.     

农业保险与可持续农业发展

农业保险的发展，对保障农业再生产的顺利进行，推动农业可持续的发展具有重要的理论意义和深远的现实意义。文章首先分析了可持续农业与农业保险的内在联系，指出农业保险可以为可持续农业发展保驾护航。接着分析了我国当前农业保险和可持续农业存在的主要问题，并将这些问题归结为来自行为主体，即政府、农民、商业企业三方面的原因。最后提出了发展我国农业保险，促进可持续农业发展的对策建议。     

论我国"二元化"环境责任保险制度构建

随着我国市场经济的进一步发展和工业化进程的加快，环境污染和生态破坏日益成为影响经济发展的社会问题。对于因环境污染所产生的环境侵权，通过保险制度来解决因环境污染所导致的损害，日益成为众多环境法学者关注的问题。环境责任保险制度是建立在侵权法和责任保险理论之上，成为解决环境侵权的有效途径之一。对于环境侵权责任保险问题，国家应根据具体情况对环境责任保险予以干预，根据实际需要选择环境侵权责任保险的模式。我国应构建商业保险和强制保险并存的“二元化”的环境侵权责任保险制度。     

中国可持续社会养老保险的综合评价体系和实证分析

我国可持续社会养老保险的综合评价指标体系包括四个层次和三级子系统，内容涉及养老保险人数、机构设置、基金管理和代际平衡四个子目标。应用因子分析模糊综合评价方法对我国1990-2001年养老保险建设状况进行评价，本文认为基金管理，行政管理和代际失衡是影响我国可持续养老保险发展的主要因素。     

Theory and Model of Agricultural Insurance Subsidy

The issue of agricultural insurance subsidy is discussed in this paper aiming to make it provided more rationally and scientifically. It is started with the connection between agricultural insurance and financial subsidy. It is really necessary and crucial to implement the financial insurance due to the bad operational performance, especially in the developing countries. But the subsidy should be provided more rationally because financial subsidy has lots of negative effects. A model in competitive insurance markets developed by Ahsan et al （1982） and a farmers＇ decision model are developed to solve the optimal subsidized rate. Finally, the equation is got to calculate it. But a quantitative subsidized rate is not made here because the calculation should be under some restricted conditions, which are always absent in the developing countries. So the government should provide some subsidy for the ex ante research and preparation to get the scientific probability and premium rate.     

基于环境责任保险的动态环境侵权救济体系研究

通过对环境责任保险的定义和特点的总结,以及对其环境侵权救济功能的探讨,得出结论:社会从矫正的正义观到分配的正义观的转变,是推动环境责任保险制度发展的根本原因;赋予第三人直接请求权是环境责任保险制度的重要组成部分;公共补偿制度的建立和发展是对环境责任保险制度的必要补充。在此结论的基础上,以环境侵权受害者能够得到及时有效的救济为出发点,构建了以环境责任保险制度为核心的动态侵权救济体系:民事救济作为第一层次,通过法律程序来确认侵权行为、责任主体以及赔偿额度等事项;环境责任保险作为第二层次,用来分散被保险人的污染损害赔偿责任,补偿受害者损失;公共补偿制度作为第三层次,用来补充民事救济和环境责任保险所未能覆盖到的受害者的人身、财产损失。三个层次联动配合、相互补充,从而在我国面临日益增多的环境污染事故的情况下,为受害者、企业和国家开辟了一条新的环境侵权救济之路。     

自然灾害水平对农户投保意愿的影响分析——基于湖北微观调查数据

基于湖北省仙桃、监利、竹溪3地农户微观调查数据，分别研究5类自然灾害频率与损失度对于农户投保意愿的影响程度，建立probit模型进行实证分析。研究表明：湖北地区水灾和旱灾情况最为严重，其发生频率与损失度均对农户投保意愿产生显著的正向影响；病害和虫灾损失度对农户投保意愿具有显著的促进作用，其发生频率对农户投保意愿的作用不明显；与自然灾害发生频率相比，损失度对农户投保意愿的影响更大；农户投保意愿与实际投保行为存在明显背离之处，旱涝保收地区存在投保过度现象，灾害严重地区存在投保不足现象。根据结论提出相关政策建议：旱涝保收地区应适当削减农业保险投入；农业保险应向自然灾害严重地区倾斜；以赈灾的形式解决严重自然灾害问题。     

Factors associated with financial support in old age for young and middle-aged rural residents in China

This study examined the factors associated with financial support in old age from three primary mechanisms-personal savings,family support,and social insurance-to explore the implications for the future development of China’s rural social welfare system.Cross-sectional surveys of 1392 young and middle-aged rural residents were conducted in July and August2012.The results showed that while social insurance was increasingly acceptable,personal savings and family support still had fundamental value.Combining the three mechanisms,the rural old-age welfare system presented nontraditional features.China’s new rural endowment insurance is discussed as a means to address the need for financial support among the rural aging population.     

新型农村社会养老保险收入再分配效应研究

通过政策分析发现,新农保制度的收入再分配效应主要体现在政府补贴方面,在本质上是财政的再分配,其中个人账户部分体现为代内再分配,基础养老金部分体现为代际再分配。新农保制度几乎对所有制度内人群都具有正的收入再分配效应。以净转移额来度量新农保收入再分配效应的程度,通过建立模型进行测算发现:在现行财政补贴政策下,新农保的收入再分配偏向于选择较高档次缴费的人群、缴费困难群体、寿命长的人群、女性农民、长期缴费的人群以及农村计划生育家庭;政府缴费补贴越多,个人账户投资收益率越高,基础养老金调整系数越大,参保人养老金的净转入额就越多;"捆绑式缴费"政策产生了逆向的收入再分配效应。     

我国社会保险关系转移和接续问题研究

劳动力要素的自由流动对我国市场经济体制的完善无疑有着极其重要的作用。比如可以提高要素的配置效率、加快城市化建设等作用。在现实中,我国劳动力要素的自由流动不但受到除户籍制度、劳动关系等客观社会基本关系的制约,还受到社会保险关系的制约,各地频繁出现的"退保"等现象,就说明社会保险关系转移和接续难。劳动力在不同地区很难实现自由流动,势必产生了不良的后果.直接损害了劳动者的权益,也影响了社会保险制度的完善。不完善的社会保险制度更加加剧社会的不公平,在构建和谐社会的今天,社会保险关系的顺利衔接无疑更有紧迫性和必要性。本文在了解我国目前劳动力的社会保险关系转移的现状的基础上,运用制度经济学和管理学的相关理论,较为深入地分析了社会保险关系正常流动难的原因,如统筹层次低、转轨成本的未完全消化等原因,并提出了相应的对策、建议。     

Theory and Model of Agricultural Insurance Subsidy

Abstract

The issue of agricultural insurance subsidy is discussed in this paper aiming to make it provided more rationally and scientifically. It is started with the connection between agricultural insurance and financial subsidy. It is really necessary and crucial to implement the financial insurance due to the bad operational performance, especially in the developing countries. But the subsidy should be provided more rationally because financial subsidy has lots of negative effects. A model in competitive insurance markets developed by Ahsan et al (1982) and a farmers' decision model are developed to solve the optimal subsidized rate. Finally, the equation is got to calculate it. But a quantitative subsidized rate is not made here because the calculation should be under some restricted conditions, which are always absent in the developing countries. So the government should provide some subsidy for the ex ante research and preparation to get the scientific probability and premium rate.     

Risk management strategies to cope with climate change in grassland production: an illustrative case study for the Swiss plateau

In this paper, we assess climate change impacts on an intensively managed grassland system at the Swiss Plateau using the process-based grassland model PROGRASS. Taking the CO₂ fertilization into account, we find increasing yield levels (in the range of 10–24%) and sharp increases in production risks for an illustrative climate change scenario that suggests a marked increase in temperature and decrease in summer rainfall. Climate change–induced increases in the coefficients of variation of grassland yields are in the range of 21 and 50%. This finding underpins that additional risk management strategies are needed to cope with climate-change impacts on grassland production. The outputs from the grassland model are evaluated economically using certainty equivalents, i.e., accounting for mean quasi rents and production risks. To identify potential risk management strategies under current and future climatic conditions, we consider adjustments of production intensity and farm-level yield insurance. The impact of climate change on production intensities is found to be ambiguous: farmers’ will increase intensity under unconstrained production conditions, but will decrease production intensity in the presence of a cross-compliance scheme. Our results also show that the considered insurance scheme is a powerful tool to manage climate risks in grassland production under current and future conditions because it can reduce the coefficients of variation of quasi rents by up to 50%. However, we find that direct payments tend to reduce farmers’ incentives to use such insurance scheme.     

我国城市居民健康状况及影响因素研究

随着中国城市化、工业化快速推进,城市居民的健康日益受到环境、外部压力等因素的影响,加上生活方式和健康观念方面的原因,城市居民健康状况的改善缓慢.利用2006年中国健康与营养调查(CHNS)截面数据,描述了我国城市居民的健康及其分布状况,利用Ordered Probit模型分析了影响城市居民的健康状况的各类因素.结果发现:家庭状况、生活习惯、就医决策、医疗保险等因素均影响城市居民的健康水平;尤其是在收入、工作等经济因素之外,健康观念、就医决策和保险覆盖等社会和制度因素亦对城市居民个人健康产生影响.同时,通过逐步回归控制相关变量的方法,检验了Grossman模型的适用性,同时也检验了影响因素作用机制的稳定性.在总结研究结论与不足的基础上,提出了应从经济,社会和制度三个层面全面促进城市居民健康的综合改革框架.     

推拉理论视角下的农村宅基地退出机制研究——基于南京市栖霞区农户意愿调查

以推拉理论为视角,分别从农村宅基地作为资源和资产属性以及拥有农村宅基地使用权的农民迁移到城市这两个角度,重新梳理影响农户宅基地退出意愿的因素,建立了农村宅基地退出影响因素的推拉分析框架。在理论分析的基础上,利用在南京市栖霞区农村实地调查得到的数据,建立二元Logistic模型归纳主要影响农户退出意愿的推力和拉力因素。研究发现,受教育水平、农户年总收入、家庭居住人口数和农户是否参加农村养老保险是宅基地退出的主要推动因素;而非农业收入占比、外出务工人口数、是否参加城镇养老保险、是否拥有城镇住所、是否有宅基地产权证书以及宅基地抵押权认知情况是影响宅基地退出的主要拉力因素。基于以上的影响因素分析,提出完善农村宅基地退出机制的政策建议。     

China's Migrant Workers' Social Security

Based on the definition of migrant workers and migrant workers'social security,systems,policies and regulations and status quo of specific safeguard project of social security have been analyzed.Authors draw following conclusions: China's social security systems of migrant workers show diversification and differentiation trend; national-level policies take on diversification and local-level regulations take on differentiation; social welfare and social assistance have deficiency; coverage rate of social insurance items is extremely low.     

新农村建设及特色产业发展中的金融支持问题研究——以甘肃省平凉市为例

建设社会主义新农村,是党中央运用科学发展观破解三农问题的新理念和新实践,是中国特色社会主义现代化的必然要求,是建设社会主义和谐社会的战略举措,也是增进农民福祉、惠及广大农民群众的民心工程。金融作为现代经济的核心,责无旁贷,义不容辞的要充分发挥杠杆作用,肩负起支持新农村建设与特色产业可持续发展的历史重任,紧密结合当地实际,不断创新金融产品,积极优化信贷结构,着力提升服务水平,切实解决金融支持乏力、担保机构缺位、农业保险缺失、信用环境不佳等诸多困难与问题,尚需研究和解决。本文以平凉市为例,进行了实证分析与思考。     

湘江湖南段洪水灾害综合风险区划

以湘江湖南段河流沿线地区为例，基于自然灾害风险评价的基本原理构建了洪水灾害综合风险值计算模型，即综合危险度和综合社会经济易损度的叠加。利用研究区全球数字高程模型(GDEM)数据、1971~2007年地面气象站观测数据和2008年社会经济统计数据等，借助地理信息系统(GIS)技术和地学方法，得到包含高风险区、较高风险区、中等风险区和较低风险区4个风险等级的洪水灾害综合风险区划图。结果表明：洪水灾害危险度最高的地区集中分布在湘江下游沿岸的湘阴县和长株潭地区；综合社会经济易损度最高的地区为人口密集的市区；湘阴县、长株潭三市和衡阳市市区危险度和易损度均较高，为洪水灾害高风险区。研究结果可为风险管理者和决策者提供量化的理论参考     

我国农村养老模式的绩效研究

继新农合实施以来,新农保也被党和政府提上日程。认识现有养老模式的优缺点是有效开展新农合的前提。本文将现有各种养老模式总结为三种理论模式,分别是个体时间平衡、家庭时间平衡、社会时间平衡。然后在回顾各模式的历史演变的基础上,从理论上对比了三者之间的绩效差异,绩效研究的视角有风险化解的有效性、个体福利和社会福利三个。研究结果表明,风险化解最为有效的是社会时间平衡,其次是家庭时间平衡,最后个体时间平衡;从个体福利的角度来看,个体福利最大的是家庭时间平衡、其次是社会时间平衡,再者是个体时间平衡;从社会福利的角度来看,个体时间平衡和家庭时间平衡是能够促进经济的长期增长的,而社会时间平衡方式则不利于资本积累,相反有可能妨碍经济的长期增长。     

Heat stress and crop yields in the Mediterranean basin: impact on expected insurance payouts

Insurance programmes have been indicated as a tool to reduce the economic risk associated with climate change, and crop growth simulation models can be used effectively to assess future trends in crop insurance payouts. This paper assesses the economic role of increasing weather extremes under future climate change on the expected insurance payouts for durum wheat (Triticum turgidum L. spp. durum) over the Mediterranean basin, focusing attention on the effects of heat stresses (HSs). A crop growth simulation, Sirius Quality version 2 (SQ2), calibrated for three varieties (long, medium and short growth cycle) was applied on seven sites under present (1975–1990) and future climate conditions (2030–2050) obtained from five regional circulation models under SRES scenario A1b. The intensity of HSs at anthesis was included as reducing factor of yield originally simulated by SQ2 calculated according to a specific empirical model. Simulated yields were then fitted to the most appropriate distribution, which was used to calculate the expected payouts according to the probability of yields being below a guaranteed level. We found that the simulated crop yields were, in general, negatively skewed and that Weibull probability density function (PDF), admitting negative skewing, provided the best performances in their fitting. The simulation of HSs modified the original shape of the Weibull PDF by increasing the skewness of the distribution. The results of the insurance model indicated that the modification of crop PDFs induced by HSs led to a general increase in payouts with respect to unstressed conditions, with a marked difference between present (+11 %, on average for the selected sites) and future periods (+25 %). When compared to the present, a general decrease in payouts (?1.1 %) was observed when HSs were not included in the simulations. Conversely, HSs impact resulted in a general increase in payouts (+10.3 %) where the highest increase was detected for the long growth cycle variety (+16.6 %) and the lowest for that with short growth cycle (?1.6 %). These results emphasize the importance of the appropriate characterization of crop yield distribution, the economic implications of HSs in a risk management context and a possible strategy to cope with climate change and variability.     

论我国城市化进程中的环境法制建设

随着我国城市化进程的加快 ,城市生态环境问题也越来越受到关注。本文通过对城市化过程中环境问题现状的分析 ,认为采用法律、依法加强城市环境管理是实现城市可持续发展的重要途径。