工伤保险费率机制设计的探析

目前我国工伤保险覆盖面窄的主要原因是现有的工伤保险费率机制存在问题,缺乏激励作用.本文以传统的激励理论为依据,分析指出要达到扩大工伤保险覆盖面的目的,应该是设计科学、合理的工伤保险费率机制去激励企业主动参加工伤保险和加强工伤预防.     

车辆保险--交通安全管理的经济手段

中国道路交通安全面临着前所未有的挑战.本文在分析车辆保险与投保人安全驾驶关系的基础上,提出推行车辆保险是解决我国当前道路交通安全、保障交通事故受害者合法权益的有效经济手段之一.     

非法用工单位伤亡人员一次性赔偿程序的探讨

2004年1月1日生效的《工伤保险条例》规定了非法用工单位向伤亡人员赔偿的标准和争议解决的程序，但是非法用工单位不属于法律上合法的主体，劳动仲裁机关和法院不能对不存在的主体作出裁定和判决，就算作出裁判，也不可能得到执行，从而使得该条例规定的对非法用工单位伤亡人员的赔偿成为一纸空文。为此，笔者从劳动争议和诉讼主体认定，程序保障和伤亡人员及时得到救助三个方面提出建议，以确保条例得到执行。     

中、韩两国财产保险业风险管理比较研究

财产保险是经营风险的产业,风险管理能力是其核心竞争力.从保险监管机构、市场典型主体两方面比较了中、韩两国财产保险业风险管理体系,市场主体的比较从研究宣传、产品开发、业务经营、客户管理、信息技术等方面展开,并提出了建议和措施.     

BASIN SCALE WATER MANAGEMENT AND FORECASTING USING ARTIFICIAL NEURAL NETWORKS1

ABSTRACT: Water scarcity in the Sevier River Basin in south‐central Utah has led water managers to seek advanced techniques for identifying optimal forecasting and management measures. To more efficiently use the limited quantity of water in the basin, better methods for control and forecasting are imperative. Basin scale management requires advanced forecasts of the availability of water. Information about long term water availability is important for decision making in terms of how much land to plant and what crops to grow; advanced daily predictions of streamflows and hydraulic characteristics of irrigation canals are of importance for managing water delivery and reservoir releases; and hourly forecasts of flows in tributary streams to account for diurnal fluctuations are vital to more precisely meet the day‐to‐day expectations of downstream farmers. A priori streamflow information and exogenous climate data have been used to predict future streamflows and required reservoir releases at different timescales. Data on snow water equivalent, sea surface temperatures, temperature, total solar radiation, and precipitation are fused by applying artificial neural networks to enhance long term and real time basin scale water management information. This approach has not previously been used in water resources management at the basin‐scale and could be valuable to water users in semi‐arid areas to more efficiently utilize and manage scarce water resources.     

WATER QUALITY IMPROVEMENT PROGRAM EFFECTIVENESS FOR CARBONATE AQUIFERS IN GRAZED LAND WATERSHEDS1

ABSTRACT: Water quality indicators of two agriculturally impacted karst areas in southeastern West Virginia were studied to determine the water quality effects of grazing agriculture and water quality trends following initiation of water quality improvement programs. Both areas are tributaries of the Greenbrier River and received funding for best management practices under the President's Initiative for Water Quality and then under the Environmental Quality Incentives Program (EQIP). After 11 years of study there was little evidence to suggest that water quality improved in one area. Three and a half years of study in the other area showed little evidence of consistent water quality improvement under EQIP. Lack of consistent water quality improvement at the catchment scale does not imply that the voluntary programs were failures. Increased livestock numbers as a result of successful changes in forage management practices may have overridden water quality improvements achieved through best management practices. Practices that target well defined contributing areas significantly impacting aquifer water quality might be one way to improve water quality at catchment scales in karst basins. For example, a significant decrease in fecal coliform concentrations was observed in subterranean drainage from one targeted sinkhole after dairy cattle were permanently excluded from the sinkhole.     

BIOECONOMIC ANALYSIS OF SELECTED CONSERVATION PRACTICES ON SOIL EROSION AND FRESHWATER FISHERIES1

ABSTRACT: Farmers can generate environmental benefits (improved water quality and fisheries and wildlife habitat), but they may not be able to quantify them. Furthermore, farmers may reduce their incomes from managing lands to produce these positive externalities but receive little monetary compensation in return. This study simulated the relationship between agricultural practices, water quality, fish responses to suspended sediment and farm income within two small watersheds, one of a cool water stream and one of a warm water stream. Using the Agricultural Drainage and Pesticide Transport (ADAPT) model, this study related best management practices (BMPs) to calculated instream suspended sediment concentrations by estimating sediment delivery, runoff, base flow, and streambank erosion to quantify the effects of suspended sediment exposure on fish communities. By implementing selected BMPs in each watershed, annual net farm income declined $18,000 to $28,000 (1 to 3 percent) from previous levels. “Lethal” fish events from suspended sediments in the cool water watershed decreased by 60 percent as conservation tillage and riparian buffers increased. Despite reducing suspended sediments by 25 percent, BMPs in the warm water watershed did not reduce the negative response of the fisheries. Differences in responses (physical and biological) between watersheds highlight potential gains in economic efficiency by targeting BMPs or by offering performance based “green payments.”     

GEOMORPHOLOGY OF STEEPLAND HEADWATERS: THE TRANSITION FROM HILLSLOPES TO CHANNELS1

Headwater streams comprise 60 to 80 percent of the cumulative length of river networks. In hilly to mountainous terrain, they reflect a mix of hillslope and channel processes because of their close proximity to sediment source areas. Their morphology is an assemblage of residual soils, landslide deposits, wood, boulders, thin patches of poorly sorted alluvium, and stretches of bedrock. Longitudinal profiles of these channels are strongly influenced by steps created by sediment deposits, large wood, and boulders. Due to the combination of small drainage area, stepped shallow gradient, large roughness elements, and cohesive sediments, headwater streams typically transport little sediment or coarse wood debris by fluvial processes. Consequently, headwaters act as sediment reservoirs for periods spanning decades to centuries. The accumulated sediment and wood may be episodically evacuated by debris flows, debris floods, or gully erosion and transported to larger channels. In mountain environments, these processes deliver significant amounts of materials that form riverine habitats in larger channels. In managed steepland forests, accelerated rates of landslides and debris flows resulting from the harvest of headwater forests have the potential to seriously impact the morphology of headwater streams and downstream resources.     

Desert pastoralists’ negative and positive effects on rare wildlife in the Gobi

In arid regions of the developing world, pastoralists and livestock commonly inhabit protected areas, resulting in human–wildlife conflict. Conflict is inextricably linked to the ecological processes shaping relationships between pastoralists and native herbivores and carnivores. To elucidate relationships underpinning human–wildlife conflict, we synthesized 15 years of ecological and ethnographic data from Ikh Nart Nature Reserve in Mongolia's Gobi steppe. The density of argali (Ovis ammon), the world's largest wild sheep, at Ikh Nart was among the highest in Mongolia, yet livestock were >90% of ungulate biomass and dogs >90% of large‐carnivore biomass. For argali, pastoral activities decreased food availability, increased mortality from dog predation, and potentially increased disease risk. Isotope analyses indicated that livestock accounted for >50% of the diet of the majority of gray wolves (Canis lupus) and up to 90% of diet in 25% of sampled wolves (n = 8). Livestock composed at least 96% of ungulate prey in the single wolf pack for which we collected species‐specific prey data. Interviews with pastoralists indicated that wolves annually killed 1–4% of Ikh Nart's livestock, and pastoralists killed wolves in retribution. Pastoralists reduced wolf survival by killing them, but their livestock were an abundant food source for wolves. Consequently, wolf density appeared to be largely decoupled from argali density, and pastoralists had indirect effects on argali that could be negative if pastoralists increased wolf density (apparent competition) or positive if pastoralists decreased wolf predation (apparent facilitation). Ikh Nart's argali population was stable despite these threats, but livestock are increasingly dominant numerically and functionally relative to argali. To support both native wildlife and pastoral livelihoods, we suggest training dogs to not kill argali, community insurance against livestock losses to wolves, reintroducing key native prey species to hotspots of human–wolf conflict, and developing incentives for pastoralists to reduce livestock density.     

Empirical Trials of Plant Field Guides

We designed 3 image‐based field guides to tropical forest plant species in Ghana, Grenada, and Cameroon and tested them with 1095 local residents and 20 botanists in the United Kingdom. We compared users’ identification accuracy with different image formats, including drawings, specimen photos, living plant photos, and paintings. We compared users’ accuracy with the guides to their accuracy with only their prior knowledge of the flora. We asked respondents to score each format for usability, beauty, and how much they would pay for it. Prior knowledge of plant names was generally low (<22%). With a few exceptions, identification accuracy did not differ significantly among image formats. In Cameroon, users identifying sterile Cola species achieved 46–56% accuracy across formats; identification was most accurate with living plant photos. Botanists in the United Kingdom accurately identified 82–93% of the same Cameroonian species; identification was most accurate with specimens. In Grenada, users accurately identified 74–82% of plants; drawings yielded significantly less accurate identifications than paintings and photos of living plants. In Ghana, users accurately identified 85% of plants. Digital color photos of living plants ranked high for beauty, usability, and what users would pay. Black and white drawings ranked low. Our results show the potential and limitations of the use of field guides and nonspecialists to identify plants, for example, in conservation applications. We recommend authors of plant field guides use the cheapest or easiest illustration format because image type had limited bearing on accuracy; match the type of illustration to the most likely use of the guide for slight improvements in accuracy; avoid black and white formats unless the audience is experienced at interpreting illustrations or keeping costs low is imperative; discourage false‐positive identifications, which were common; and encourage users to ask an expert or use a herbarium for groups that are difficult to identify. Pruebas Empíricas de Guías de Campo de Plantas Hawthorne, Cable & Marshall