浅谈我国冰雹的分布规律及其保险对策

本文从冰雹灾害的分布规律着手,研究我国雹灾对策形式之一——雹灾保险,在对世界各国雹灾保险借鉴的基础上,选择我国雹灾保险的模式,建立适合我国国情的雹灾保险。     

浅议保险对企业安全监督管理之作用

通过开展适合于保险和安全监管工作的风险评估体系的研究,充分发挥保险于安全监管的作用,从而为降低职工、企业乃至全社会的风险水平,为经济的可持续发展和社会稳定提供必要的保证。     

试论推行特种设备事故责任强制保险的必要性

随着经济和社会的飞速发展,我国特种设备安全形势严峻,社会影响恶劣。我国现有特种设备责任保险,阻碍了责任保险功能的实现。本文在全面阐释特种设备事故责任强制保险基本问题的基础上提出,特种设备事故责任强制保险,具有转移特种设备相关单位的责任风险,及时、有效地使受害者获得赔付,预防事故的发生,维护社会稳定的作用,应当成为以市场化手段辅助特种设备安全监管的有效途径。     

Learning and climate feedbacks: Optimal climate insurance and fat tails

We study the effect of potentially severe climate change on optimal climate change policy, accounting for learning and uncertainty in the climate system. In particular, we test how fat upper tailed uncertainty over the temperature change from a doubling of greenhouse gases (the climate sensitivity), affects economic growth and emissions policy. In addition, we examine whether and how fast uncertainties could be diminished through Bayesian learning. Our results indicate that while overall learning is slow, the mass of the fat tail diminishes quickly, since observations near the mean provide evidence against fat tails. We denote as “tail learning” the case where the planner rejects high values of the climate sensitivity with high confidence, even though significant uncertainty remains. Fat tailed uncertainty without learning reduces current emissions by 38% relative to certainty, indicating significant climate insurance, or paying to limit emissions today to reduce the risk of very high temperature changes, is optimal. However, learning reduces climate insurance by about 50%. The optimal abatement policy is strongly influenced by the current state of knowledge, even though greenhouse gas (GHG) emissions are difficult to reverse. Once the mass of the fat tail diminishes, the remaining uncertainty is largely irrelevant for optimal emissions policy.     

沈阳市推进环境污染责任保险制度的探索与实践

介绍了沈阳市环境污染责任保险推进情况、推进方法及配套政策措施,明确了沈阳市环境污染责任保险参保企业的确定原则,结合当前沈阳市该险种推进过程中存在的法律法规缺失造成环境污染责任保险推进不力、企业投保意识不强、环境专门机构与保险公司的协调配合有待于进一步加强相关问题,提出了选择适合的环境污染责任保险模式、加强环保部门与保险行业的合作、将环境污染责任险推进融入到环境监理工作中等建议及对策。     

工伤保险行业差别费率确定方法探讨

制定合理的行业差别费率对于工伤保险基金的稳定、促进企业改善安全生产状况具有积极作用.我国工伤保险制度处于起步阶段,有些地区对行业差别费率厘定进行了探索,但费率与风险的关联性不强,影响了低风险企业参加工伤保险统筹的积极性.本文针对工伤统计数据缺乏的现状,分析了现阶段工伤保险行业差别费率确定方法的研究现状,重点讨论了确定行业风险等级的3种方法,即聚类分析法、风险系数测评和模糊风险评估法的应用过程以及优缺点;另外,强调了在确定行业风险指数时,应注意根据不同事故类别的严重度来确定各风险因素指标的权重大小.最后,应用风险评估理论分析工伤保险行业差别费率的运作机理,提出应用工伤赔付支出费用计算行业差别费率的数学公式,此公式原理清晰、操作方便,且有利于各统筹地区根据实际情况划分行业差别费率.     

基于风险评估的火灾保险与消防管理互动模式的探讨

火灾保险与消防互动的管理模式是我国火灾风险管理的必然发展方向.在对国外发达国家该领域现状进行分析的基础上,指出了我国目前两个行业的现状和存在的问题,提出了基于风险评估的火灾保险与消防管理互动模式及其操作方法,深入探讨了确保该模式运行的外部条件,为科学合理地进行火灾风险的管理提供帮助.     

Prospects for disaster management in China and the role of insurance

ABSTRACT

Natural disasters have serious negative consequences for China and it is necessary to build an effective and efficient disaster relief system. This paper aims to provide suggestions for how to restructure and optimise China’s disaster relief system. This paper first discusses the four main channels through which relief funds are currently distributed in China while also examining the relative share of relief funds directed through each channel. Then, the advantages and disadvantages of these relief channels are compared. Finally, suggestions for how China can reduce the negative economic and social impacts of natural disasters by restructuring and optimising its current disaster relief system are provided. The paper presents several main findings. Currently, government-channelled funds are the most important source of disaster relief in China. However, the actual ratio of relief funds from the government to the total amount of losses and the ratio of relief funds from the four channels added together are both very low. This paper argues that the role of commercial insurance in disaster relief is far from sufficient. Importantly, suggestions are also provided on how to restructure the system and on the relative role that each of these channels should play in China’s disaster relief system.     

北京山区泥石流灾害保险的风险评判方法研究

泥石流是北京山区主要的自然灾害,在1989-1999年期间,泥石流灾害造成的经济损失高达3.09亿元.对泥石流灾害保险风险的评判是首先按北京山区各区县的泥石流危险度分区划分风险区,然后对各风险区进行灾害危险性和灾害易损性评判.在危险性评判中,按各风险区的泥石流危险度等级赋予危险度评判指标值.在易损性评判中,选择国内生产总值、固定资产、人口密度和人口自然增长率等4个因素作为评判指标,并分为两个层次进行评判.第一层次是经济易损性与社会易损性评判,第二层次是泥石流灾害易损性评判.最后用泥石流灾害保险风险分析数学模型,计算出各风险区的泥石流灾害保险风险度,并由此绘制了北京山区泥石流灾害保险风险区划图.     

绿色技术专利强制许可法律问题研究

绿色技术专利强制许可要求将环境利益明确纳入公共利益范围,而专门的绿色技术专利强制许可制度则进一步要求针对绿色技术构建特殊许可通道。功能主义观念以环境保护目标的必要性来证成绿色技术专利强制许可的正当性,但没有解释绿色技术、环境保护、公共利益之间的具体联系,从而不能证明绿色技术专利强制许可背后的法律逻辑。法治主义视角下,从强制许可事由、审查程序以及许可费三方面来看,该制度会引起一系列的正当性问题。未来需要将专门的绿色技术专利强制许可制度限定在政府实施的范围内,并依据权利人自认来确定绿色技术的范围。