基于保户和保险公司共享的最佳巨灾保险

采用数学模型方法研究巨灾保险,提出了保险合同怎样创新的问题.该问题的提出有利于解决巨灾保险供应不足的弊端.对保户而言,这一创新将拥有更大的弹性,进而改善其福利.通过分解巨灾风险发生的频率和损害程度,说明了保险合同怎样设计才对保户最有利.最后,在同时考虑风险发生的频率和严重性的情况下,得出了一般化模型.     

江西冰雹与时空分布

本文根据江西省1959～1989年冰雹资料,统计分析冰雹和冰雹云的主要特征;指出了江西冰雹地理分布和冰雹活动路径以及影响江西冰雹的天气形势与冰雹云回波特征。同时,分析了江西冰雹物理特征,指出其危害程度,为江南实施人工防御冰雹,减轻冰雹灾害提供气候依据。     

中国环境责任保险制度的构建

对于因环境污染所产生的环境侵权，可以通过环境责任保险制度来解决污染所导致的损害。对于环境侵权问题，特别是影响巨大的环境侵权事件，国家事先通过环境责任强制保险予以干预，可以很好地解决环境责任危机。我国应构建商业性保险和政策性保险并存的“二元化”的环境责任保险制度。     

Using Insurance to Enhance Nitrogen Fertilizer Application to Reduce Nitrogen Losses to the Environment

The advantage of using insurance to help a farmer adopt a best nitrogen management plan (BNMP) that reduces the impact of agricultural production on the environment is analytically and empirically demonstrated. Using an expected value analysis, it is shown that an insurance program can be structured soas to reduce a farmer's cost of bearing the adoption risk associated with changing production practices and, thus, to improve the farmer's certainty equivalent net return thereby promoting the adoption of a BNMP. Using the adoption of growing-season only N fertilizer application in Iowa as a case study, it is illustrated how insurance may be used to promote the adoption of this practice to reduce N fertilizeruse. It is shown that it is possible for a farmer and an insurance company both to have an incentive to develop an insurance adoption program that will benefit both the farmer and the insurance company, increasing net social welfare and improving environmental quality in Iowa.     

The role of time and species identities in spatial patterns of species richness and conservation

Many conservation actions are justified on the basis of managing biodiversity. Biodiversity, in terms of species richness, is largely the product of rare species. This is problematic because the intensity of sampling needed to characterize communities and patterns of rarity or to justify the use of surrogates has biased sampling in favor of space over time. However, environmental fluctuations interacting with community dynamics lead to temporal variations in where and when species occur, potentially affecting conservation planning by generating uncertainty about results of species distribution modeling (including range determinations), selection of surrogates for biodiversity, and the proportion of biodiversity composed of rare species. To have confidence in the evidence base for conservation actions, one must consider whether temporal replication is necessary to produce broad inferences. Using approximately 20 years of macrofaunal data from tidal flats in 2 harbors, we explored variation in the identity of rare, common, restricted range, and widespread species over time and space. Over time, rare taxa were more likely to increase in abundance or occurrence than to remain rare or disappear and to exhibit temporal patterns in their occurrence. Space–time congruency in ranges (i.e., spatially widespread taxa were also temporally widespread) was observed only where samples were collected across an environmental gradient. Fifteen percent of the taxa in both harbors changed over time from having spatially restricted ranges to having widespread ranges. Our findings suggest that rare species can provide stability against environmental change, because the majority of species were not random transients, but that selection of biodiversity surrogates requires temporal validation. Rarity needs to be considered both spatially and temporally, as species that occur randomly over time are likely to play a different role in ecosystem functioning than those exhibiting temporal structure (e.g., seasonality). Moreover, temporal structure offers the opportunity to place management and conservation activities within windows of maximum opportunity.     

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.     

农民工工伤保险现状及问题分析

通过文献分析和实地调研发现,造成我国农民工工伤保险参保率低、企业逃保、退保率高、申请工伤补偿难度大的原因可分为宏观和微观两个层面:城乡二元户籍制、劳动力供求关系、工伤保险制度等因素客观上使得农民工受歧视,地位低,工伤求偿困难;企业主观上追求短期利益和侥幸心理是构成其逃保、退保的主要因素.可通过优化制度体系、强化政府监管...     

农民工参加工伤保险的影响因素研究——基于政策和企业视角的实证分析

为了解我国农民工参加工伤保险的影响因素,提高农民工工伤保险的参保率,通过对全国9个省市共3 848名农民工的问卷调查,应用Logistic回归模型分析政策的因素和企业的因素对农民工参加工伤保险的影响。结果表明,农民工是否参加工伤保险受到各地工伤保险政策以及农民工所在企业两方面的影响。从政策的角度看,个体工商户参加工伤保险的规定、工伤保险基金的统筹水平以及工伤保险的偿付方式对农民工参加工伤保险有显著影响;从企业的角度看,农民工所在企业是否建有工会、企业所有制对农民工参加工伤保险有显著影响。建议各地进一步明确工伤保险政策中对个体工商户的参保要求,继续提高工伤保险基金的统筹水平,增加农民工领取工伤保险偿付的方式。建议劳动保障部门加强对未建有工会的企业,加强对私企,特别是个体工商户的监察力度。     

中国核电保险新模式研究

核保险为中国核电工业的稳定发展起着重要的保障和促进作用.通过对比国内外核电保险模式,提出一种设想的新型核电保险载体,成立核电保险经纪公司是一种可能的选项.成立核电保险经纪公司,弥补了现在国内核电保险市场中所缺乏的重要中介方,明确了核电保险经纪公司的业务范围,遵循法律和市场地位.并进一步提出国内核电保险业能够建立核电自保组织和多样化的核电保险中介组织的设想,并对其产业结构建立了的假设运行新模式.核电新载体可以同时实现对核电公司和核共体提供服务,能够更好地促进保险的运行过程,促进保险市场良好健康地发展,从根本上保障核电安全生产顺利进行.     

巨灾保险下减灾积极性的影响因素及激励措施——基于美国巨灾保险项目的经验

讨论了保险的损失补偿职能和防灾减灾功能的关系,分析了巨灾保险框架下影响被保险人、保险人和其他利害方减灾积极性的多种因素,并基于美国的实践经验,从巨灾保险制度自身设计、政府支持和社会其他利害方的配合这三个角度剖析了调动防灾减灾积极性的各种手段和政策措施。这些经验对我国巨灾保险体系的构建具有一定的借鉴意义。研究结论表明,在合理的制度下,巨灾保险将发挥重要的防灾减灾功能。