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.     

寿险公司利率风险度量的持续期模型及运用

在当今金融环境下,利率风险是寿险公司面临的主要风险,而风险度量是规避利率风险首要解决的问题。介绍寿险公司利率风险度量的核心方法-持续期模型及相关理论,进一步分析持续期与凸度在寿险公司利率风险控制中的应用,得出最安全的状况是两者的完全匹配的结论。提出完善寿险业利率风险管理可供选择的一系列对策和措施,选择先进的度量模型,最大限度地规避风险以促进我国寿险业发展。     

以保险为重要内容的我国巨灾风险管理体系探讨

我国是世界上自然灾害最严重的国家之一。如何对巨灾风险进行有效的管理是世界范围内的难题和重大的问题,也是各国政府面临的严峻挑战。在讨论了国内外巨灾风险管理体系的基础上,探讨了建立以保险为重要内容的我国巨灾风险管理体系的重要性和举措。     

总体平衡模式工伤保险基金筹集模式的研究

针对我国目前工伤保险基金筹集模式中最重要的总体平衡模式,利用参保人数、伤残人数、伤残比例等具体的历史数据进行了预测,得出总体平衡模式工伤保险基金的应交费率和费用,为工伤保险基金的有效筹集提供了有益的思路和借鉴.     

环境污染责任保险的美国经验及中国实践

环境污染责任保险是一种基于市场手段的环境风险管理方法,通过为具有环境污染风险的企业提供商业保险,从而为被保企业的环境污染及治理责任提供一定的保障,同时促进企业主动降低其环境风险。环责险在我国经过了多年的试点和推广,取得了一定成绩,但是也面临许多困难。本文借鉴环责险在美国发展的经验,识别环责险市场发展的条件,同时评价我国环责险市场发展是否具备这些条件,并为进一步促进环责险发展提供建议。     

2019年锡林郭勒盟肉羊天气指数型保险浅析——以内蒙古西乌珠穆沁旗为例

天气指数型保险是一种创新型保险,肉羊天气指数型保险以牲畜草料为保险标的,为牧民提供因旱灾、雪灾所造成的肉羊饲养成本增长及因天气灾害致损的保险保障和风险对冲,即每当天气达到气象灾害标准时统一按投保合同中数量进行赔付.同时,天气指数型保险的实施也大大降低了保险公司查勘定损的成本和被保险人道德风险的危害.2019年,肉羊天气...     

Earthquake-strengthening policy for commercial buildings in small-town New Zealand

New Zealand introduced a seismic retrofitting policy in the wake of the catastrophic Canterbury earthquakes of 2010–11. The aim was to enforce seismic strengthening of earthquake-prone commercial buildings throughout the country. This study focuses on regional urban centres and the economic obstacles to strengthening their aging building stock. In investigating one town, Whanganui, we describe conditions, analyse cases, and identify incentives that apply equally to many other towns in New Zealand. We argue that incentives that suit high-growth, high-value major urban centres are a poor fit for the periphery. Around the world, many places need to upgrade their privately-owned building stock to protect it from disasters, while governments face similar challenges as they struggle to initiate the strengthening of commercial buildings. We analyse the current incentive schemes that aim to support the achievement of policy goals and suggest alternative incentive schemes that can be implemented to improve strengthening outcomes.     

Successes and failures of compulsory risk mitigation: re‐evaluating the Turkish Catastrophe Insurance Pool

The Turkish Catastrophe Insurance Pool (TCIP) is one of the best practices of public–private partnerships in an emerging market designed to reduce economic losses from disasters. This paper reviews the application of this compulsory mechanism along with data relating to the performance of the scheme following recent earthquakes in Turkey. We also consider the current perceptions of Turkish society towards the TCIP and how they can be enhanced. Our conclusions aim to assist stakeholders in government, homeowners, insurance companies, media, banks and civil society to appreciate the value of the system and key actions necessary to improve it.     

The effect of speed limit reductions in urban areas on cyclists’ injuries in collisions with cars

Abstract

Objective: Impact speed is one of the most important factors explaining the severity of injuries to cyclists when they collide with passenger cars. To reduce injury severity (especially for vulnerable road users), since 2008, Swedish municipalities have the authority to lower the speed limit to 30 or 40?km/h in urban areas as appropriate. The aim of this study was to evaluate how this speed limit reduction has influenced the injury severity for cyclists in this type of collision.

Method: Data from 1,953 collisions between bicycles and passenger cars were collected using information from third-party-liability insurance claims from 2005 to 2017. The change of speed limit distribution, influenced by the reduction of speed limits in urban areas, where car-to-cyclist collisions occurred was studied. Following that, injury severity for cyclists was evaluated regarding collisions occurring in areas with different speed limits.

Results: The results show that, in collisions with cars, cyclists have a significantly lower risk of a moderate-to-fatal (MAIS 2+) injury when the speed limit is 30–40?km/h compared to 50–60?km/h. During the last decade, while the speed-limit has been lowered on many road-sections in urban areas from 50–60?km/h to 30–40?km/h the risk of a cyclist getting a MAIS 2+ injury decreased by 25%. In 2005 to 2011, 16% of the crashes happened on a road with a speed limit of 30–40?km/h; in 2016–2017, this percentage had increased to approximately 50%. Thus, in recent years more crashes occurred on roads with lower speed limits, and in these crashes, there was a lower risk of severe injuries to cyclists. Unfortunately, it was not possible to evaluate the risk of a crash for specific speed limits; since one limitation of this study was the lack of exposure data, nor do we know the impact speed or the actual speed of the vehicles.

Conclusions: This study is an important follow-up on the implementation of measures that can influence bicycle safety. The insurance data used, made it possible to quantify a positive effect on injury severity for cyclists in passenger car-to-cyclist collisions when the speed limit was reduced in urban areas. Insurance claims cover collisions of all crash severity, so they include data covering all types of injuries—not just the most severe/fatal ones. This aspect is especially important in the speed intervals evaluated here, since moderate (MAIS 2) injuries are very frequent in lower-speed crashes and even these injuries can result in long-term consequences.     

论B-S期权定价模型在环境责任保险中的适用性

从回报函数角度分析环境责任保险的看跌期权性质,并总结其不同于看跌期权的特性,针对B-S模型假设与推导过程探究环境责任保险特殊性质对B-S模型使用的影响,验证B-S模型在环境责任保险定价中运用的合理性,并提出环境责任保险定价发展的合理化建议。