中国财产保险业巨灾损失赔付能力实证分析

商业保险是社会化巨灾风险分散机制的重要组成部分,要在中国现阶段巨灾事件频发的复杂环境中构建合理的损失分摊机制,不能不考虑以损失补偿为主要功能的财产保险业应对巨灾损失的能力。在Cummins、Doherty和Anita的保险赔付能力度量模型框架及改进后的损失对数正态分布假设下,引入1998～2008年中国财产保险业经营数据,对2009年初时点上在中国大陆经营财产保险业务的39家财产保险公司及全行业巨灾损失赔付能力进行了实证分析。结果显示,由于全行业资本与盈余的低水平以及再保险市场发展的严重滞后,在1 200亿到2 000亿元的损失区间内,中国财产保险业的赔付能力缺口在26.8亿到815.6亿元之间,且缺口增长速度大于损失增长速度。通过与2008年初的赔付能力实证分析结果对比发现,灾害频发的2008年客观上显著降低了中国财产保险行业应对极端损失的能力。度量结果从实证基础上昭示了政府大力扶持和参与巨灾保险体系建设的必要性和紧迫性。     

基于统计和信度理论的火灾保险费率分级方法

通过对建筑火灾保险费率厘定的调查、研究,确定了关于建筑物火灾保险费率的主要影响因素;详细介绍基于统计理论和信度理论的火灾保险费率分级方法,并以美国马萨诸塞州东海岸地区为例,给出其实际的应用算例;结合实际中的问题,分析了基于统计理论和信度理论的火灾保险费率分级方法的优缺点,为我国建筑火灾保险费率厘定的研究提供了依据和参考。     

对劳务、施工等外委单位安全管理工作的法律思考

分析了企业与外委单位的安全工作关系,明确了依法协调管理的依据和主要工作内容,对依法规避管理风险进行了探讨.     

工伤保险在社保制度中的排序变化及其内涵

目前我国常见的社会保险制度排序是养老保险、医疗保险、失业保险、工伤保险和生育保险,工伤保险制度位列第四位;而在计划经济时期的劳动保险制度系列中,工伤待遇规定曾位居第一位,尔后才是医疗待遇规定、养老待遇规定和生育待遇规定。上述排序变化的出现不会是立法者的偶然随意之为,而是以实行市场经济体制改革后我国劳动者-企业-国家之"三方关系"出现的根本性变化为背景原因的,与制度本身从一种面向牺牲了个人安全和健康的建设功臣们实施的国家慰谢待遇向以分散风险、损失共担为机理的保险制度发生的转化密切相关。针对近年来极端劳资纠纷事件增多的趋势,我国的劳动安全管理及工伤保险立法决策还应更加注重向弱势劳动者的倾斜。     

Insuring Southeast Asian commercial forests: Fire risk analysis and the potential for use of data in risk pricing and reduction of forest fire risk

The author uses his own data gleaned from over 10 years of commercial forestry insurance across the world to propose that despite a low intrinsic fire risk across most of Southeast Asia, especially Indonesia, commercial fire losses are unacceptably high, and could be reduced substantially within the current financial legal and political framework within which forestry companies operate. Opening with a statement about the dearth of forest fire loss data in the commercial sector, it is observed that the consequent inability of general insurers to estimate the rate of fire loss leads to very low insurance participation in forestry within Indonesia. A summary is then provided of the financial and environmental benefits of insurance participation in commercial forestry were this situation to be changed. A short discussion on risk perceptions is introduced to make the point that without reliable commercial forest fire loss data, risk perceptions of fire exposure in Southeast Asia by the financial sector, including insurers, is a barrier to risk transfer and investment. While real fire risk and perceived fire risk for Indonesia seem at present to be in agreement, the paper challenges that this should the case. Comparisons are made with different parts of the world with the knowledge that, in commercial terms, plantations in the low latitudes behave similarly everywhere in terms of fire causes, fire propagation factors, and characteristics of plantation or managed mixed forest fires. A review of the fire sizes within commercial forests is a good indicator of the efficiency of fire management strategies, and profiles from a high fire risk territory and Indonesia are compared. Using commercial and unidentified data the author then demonstrates that commercial growers in Indonesia have a high annual rate of forest fire loss and may also have a significant catastrophe fire exposure. This ‘cat’ exposure is far greater than for equivalent plantations in clearly higher fire risk environments. These conclusions are and should be discussed with forestry companies to change attitude and investment levels. Practical points for improved plantation fire management are made along with comments about the resources required. A parallel discussion then reviews fire risk assessment and management by the insurers to prevent their own ‘forest fire’ losses if they are to get further involved with the provision of Indonesian commercial forest risk transfer. The explanation of how insurers price risk within a portfolio helps identify the specific data needed for a proper risk management strategy to be developed.     

企业危险源风险管理方法研究

简要分析危险源管理现状,以及风险控制、风险的财务安排、保险等风险管理方法。阐述如何将风险管理理念引入到危险源管理中,将风险管理与企业危险源管理相结合,以提高危险源的管理水平。重点论述利用最小化代价原则紧抓企业安全管理;利用风险集中原理,合理使用安全投入资金;利用风险转移方法,降低事故率;合理使用财务方法,减小事故引发的损失。从而实现预防事故、减少损失、合理安排资金、保证企业的可持续发展。     

专业保险公司介入建设工程项目监理研究

通过对工程项目特点的分析和对参与项目建设当事人对工程质量安全的影响归因分析,认为,制度安排的缺陷及诚信文化缺失是我国建设工程质量安全事故频繁发生的根本原因。根据我国国情并借鉴国际工程保险的经验,笔者指出,专业保险公司介入建设工程项目监理,是弥补制度缺陷和诚信文化缺失、提高工程的质量安全系数的最佳选择。     

自然灾害保险风险分析

在考虑自然灾害的危险性、灾害的经济与社会易损性和风险区的工程防御能力的基础上，建立了自然灾害保险风险分析的数学模型。选择给人类社会造成重大损失的地震、地质灾害、洪水和台风等4种自然灾害作为灾害危险度评判的灾种，利用所建立的数学模型，对中国由然灾害保险风险进行了评判。并根据评判结果绘制了中国自然灾害保险风险区划图。     

国外农业保险模式概述

分别介绍了美国、日本、法国、俄罗斯和一些发展中国家的农业保险发展模式,剖析了这些国家农业保险模式的特点,并将农业保险与其特定的经济环境和社会背景相联系,为政府扶持农业保险发展提供政策支持。这些对探讨我国农业保险的发展,有一定的借鉴意义。     

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.