《保险研究》2013年第7期目录及摘要

相关链接：《保险研究》2013年第6期目录及摘要

保险公司2013年度信息披露质量评估研究

张宁

（中央财经大学中国精算研究院,北京 100081）

［摘要］保监会在2010年4月公布了《保险公司信息批露办法》，各家保险公司已经按照办法要求进行了信息批露。借鉴信息论熵的概念，用“熵模型”的方法对2013年度各家保险公司“信息批露”的质量进行了评价研究，避免了主观评价的随意性。研究结果用分数和排名给出了2013年117家保险公司信息批露的总体质量情况，包括58家人身险公司和59家财产险公司。从研究结果看，保险公司信息批露质量距离办法要求仍然有一定距离，各家保险公司仍需加强信息批露工作，同时还给出了与2012年信息批露质量的比较以及中资与外资公司的比较。
［关键词］信息批露；信息熵；保险公司信息批露办法

A Research on the Quality of Information Disclosure for Chinese Insurance Companies in 2013

Zhang Ning

(China Institute for Actuarial Science of Central University of Finance and Economics, Beijing 100081)

Abstract：China’s Insurance Regulatory Commission announced the rules of information disclosure for insurance companies in April 2010, and all insurers have been disclosing their information accordinglyThe paper introduced the information entropy concept into the evaluation of insurer’s information disclosure quality in 2013 on the basis of entropy modelThe method could avoid subjective arbitrarinessThe results included the scores and the ranking of 117 companies which included 58 life insurance companies and 59 nonlife companiesIt concluded that insurer’s information disclosure was to be further improved accord to CIRC rulesThe paper also gave the comparison between information disclosure of domestic companies and foreign companies
Key words：information disclosure;information entropy model;information disclosure rules for insurance companies

张宁在《保险研究》上发表的其他文章：

我国财产保险公司多元化经营与绩效的实证研究

HIV筛查在人身险核保中的适用性研究

对弱智者的核保条件探析

信息技术在人身保险承保中的合理应用

保险经纪公司价值的理论分析

苏庆社1  王稳2

（1英大长安保险经纪集团有限公司，北京100052；2对外经济贸易大学，北京100029）

［摘要］保险经纪公司作为保险中介的重要组成部分，其价值体现在缓解保险市场信息不对称程度、降低交易成本和提升保险市场效率等方面，本文综合运用一般均衡、博弈论和福利经济学的方法，从理论视角对保险经纪人的价值进行推导；而从保险经纪公司经营实践来看，保险经纪公司对股东、保险消费者、保险公司等市场微观主体具有重要价值，大力发展保险经纪公司具有重要的现实意义。
［关键词］保险经纪公司；信息不对称；消费者保护

The Theoretical Analysis on the Value of Insurance Brokers

Su Qingshe1,Wang Wen2

(1Yingda Chang’an Insurance Brokerage Group CoLtd, Beijing 100052;2University of International Business and Economics, Bejing 100029)

Abstract：As an important part of insurance intermediation, insurance brokers create values in relieving information asymmetry, reducing transaction costs and improving efficiency of insurance marketThis thesis deduced values of insurance brokers from the theoretical perspectives of the theory of general equilibrium, the game theory and the theory of welfare economicsIn addition, from the practical perspectives of insurance brokers’ operations, insurance brokers provided great values to micro market entities like stockholders, insurance consumers and insurance companiesThus, great importance should be assigned to the development of insurance brokers
Key words：insurance broker;information asymmetry;consumer protection

苏庆社在《保险研究》上发表的其他文章：

隐性行业壁垒、市场集中度与中国保险经纪市场结构演进

王稳在《保险研究》上发表过的其他文章：

信息不对称条件下农业保险补贴的效率与策略分析

新时期保险教育：专业化与国际化发展 ——第六届中国保险教育论坛观点综述

环境责任保险在环境保护中的经济优势及依存条件分析

隐性行业壁垒、市场集中度与中国保险经纪市场结构演进

后危机时代的保险监管创新——基于企业风险管理的视角

公司治理风险、保险创新与保险业可持续发展——后危机时代中国保险业的创新与发展论坛综述

小概率高损失事件的忽略——对中国发展巨灾保险的意义

基于行为经济学视角的银行保险发展模式研究

加强保险专业知识教育实施人才兴业发展战略
——保险发展与人才培养研讨会观点综述

COSO框架对我国保险公司风险管理的启示

我国银行保险战略联盟模式选择与并购财富效应影响——基于AHP与Event study分析法的实证研究

李恒  吴维库

（清华大学经济管理学院，北京 100084）

［摘要］本文以中国银行保险面临的困境为背景，针对银行保险发展趋势和研究现状，探讨了银保战略联盟选择模式，通过文献综述归纳总结，提出了并购为最优模式假设。为了检验假设，首先采用AHP层次分析法，研究银行保险战略联盟结构模型定性定量关系；其次对国内银行并购保险公司多样本案例运用事件分析法进行实证检验，研究发现:银行并购保险公司产生了显著的财富效应，但在不同银行间存在财富效应差异；最后，本文对银行保险发展模式进行了讨论，并对国内银行并购保险投资实践提出了可行性建议。
［关键词］银行保险； 战略联盟；并购；层次分析法；事件研究法

The Model Selection of Bancassurance Strategic Alliances in China and Wealth Effect of M&A

Li Heng,Wu Weiku

（School of Economics and Management, Tsinghua University, Beijing 100084）

Abstract：Against the current development difficulties of bancassurance in China, the paper reviewed the situation and development trend of bancassurance and elaborated on the selection of strategic alliance modes between insurers and banksThrough the literature review, it proposed M & A as the optimal choiceTo test this hypothesis, it used Analytic Hierarchy Process to establish the quantitative and qualitative relationship of the structural model of bancassurance strategic alliancesThen it exponentially tested the hypothesis through applying the event study methodology to multiple domestic bankacquiringinsurer casesThe conclusion was that banks acquiring insurers could produce a significant wealth effect, though the effects differed from bank to bankFinally, the paper discussed the mode of development of bancassurance, and put forward feasible suggestions on domestic banks’ acquisitions of insurance companies
Key words：bancassruance；strategic alliance；M&A；AHP；event study methodology

保险公司持股偏好的实证研究

张晓东

(东北财经大学会计学院，辽宁 大连 116025)

［摘要］保险公司的投资特征直接影响保险公司的业绩水平和保险行业的健康发展。在众多投资渠道中，持股偏好最能体现保险公司投资特征：数量众多的股票，在风险和流动性等方面存在显著差异。偏好何种类型股票，能够较为全面反映保险公司的投资行为特征。利用2006年～2011年上市公司股权结构数据对保险公司持股的偏好进行考察；研究结果发现，与非保险类的机构投资者不同，保险公司的股票投资表现出对于安全性和流动性的更强烈偏好。这种持股偏好与保险公司的资金来源性质和业务运营特点相匹配。当放宽投资范围约束时，保险公司对于流动性较高的股票和风险较低的公司有更加明显的投资偏好。
［关键词］股票投资；保险公司；机构投资者

An Empirical Study on Stock HoldingPreferences of Insurance Companies

Zhang Xiaodong

(School of Accounting, Dongbei University of Finance and Economics, Liaoning Dalian 116025)

Abstract：Investment characteristics directly affect the performance of insurance companies and the development of insurance industryAmong various types of investment channels, stock holding preferences are most indicative of insurers’ investment characteristics, because stocks are heterogeneous in risk exposure and liquidityThis paper investigated the stock holding preferences of  insurance companies using the ownership data of listed companies from 20062011The results showed that in contrast to noninsurance institutional investors, insurance companies had stronger preference for security and liquidity of stocks, which was consistent with the nature of money invested and their operationsWith the deregulation of investment, preference for more liquid and safer stock was even more conspicuous
Key words：stock investment；insurance companies；institutional investors

寿险业投资管理体制改革路径思考

刘家德  刘春江

（中国人寿保险股份有限公司，北京 100033）

［摘要］2008年金融危机以来，我国资本市场持续低迷，寿险业发展进入瓶颈期。寿险业通过创新投资管理体制助推业务发展的需求日益迫切。本文在分析寿险业发展与投资的关系的基础上，结合对不同投资管理体制的比较分析，探讨了现行投资管理体制形成的历史必然性及其所面临的问题。现阶段，适度引入竞争机制，创新投资管理体制已经成为保险机构改革发展的一项重要任务。建议从培育市场环境、保险机构投资管理体制市场化和专业化资产管理机构改革等三个方面，推进投资管理体制创新。
［关键词］寿险业；投资管理体制；市场化

Study on the Reform Path of Life Insurance Industry’s Investment Management System

Liu Jiade, Liu Chunjiang

(China Life Insurance Company Limited，Beijing 100033)

Abstract：Since the outbreak of the global financial crisis in 2008, China’s capital market has so far been sluggish, and China’s life insurance industry has entered into development bottlenecksIt has been increasingly imperative for China’s life insurance industry to boost business development by introducing innovations in the investment management systemBased on the analysis of the relationship between the industry’s development and investment, and comparison between different investment management mechanisms, the article discussed the historical inevitability of the current investment management system and its current problemsIt has become an important task for the industry to introduce a moderate competitive mechanism and innovation into the investment management systemThe article also suggested that innovation in investment management system should be promoted from three perspectives: cultivating market environment, marketization of insurer’s investment management system and reform in specialized asset management institutions
Key words：life insurance industry;investment management system;marketization  

巨灾保险产品设计相关问题探讨

田玲  刘帆

(武汉大学经济与管理学院，湖北 武汉 430072)

［摘要］在巨灾保险的研究中，目前学术界很少从技术层面直接探讨保险产品的设计。在分析了我国巨灾保险产品现状的基础上，本文运用保险产品设计原理探讨巨灾保险产品设计中的两大要点问题——合同要点和定价要点，其中着重探讨了如何运用巨灾风险建模技术厘定保险产品风险费率。同时，通过对比国际巨灾保险产品的实践经验，提出了对于我国巨灾保险产品参保方式、保险费率和核保理赔几方面的启示。
［关键词］巨灾保险；保险产品设计；巨灾保险合同；巨灾保险定价

Discussion on Catastrophe Insurance Product Design

Tian Ling,Liu Fan

（Economic and Management School, Wuhan University, Wuhan Hubei 430072）

Abstract：The current academic study on catastrophe insurance rarely discussed the technical aspect of product designOn the basis of analyzing the present situation of catastrophe insurance products in China, this article tried to approach catastrophe insurance product design from two perspectivescontracting and pricing, which addressed the question of how to use catastrophe risk modeling technique to determine risk rating of such insurance productsMeanwhile, by comparing with international catastrophe insurance products, the paper offered suggestions on catastrophe insurance underwriting, premium rating and claims settlement
Key words：catastrophe insurance;insurance product design;catastrophe insurance contract;catastrophe insurance pricing

田玲在《保险研究》上发表过的其他文章：

我国巨灾保险基金规模研究——以地震风险为例

风险管理巨灾风险可保性研究

基于权益视角的保险人契约责任探析

基于经济资本的我国保险公司投资风险限额配置研究

基于Copula函数的保险公司经济资本配置研究

“助推器”还是“稳定器”：保险业对经济产出作用的经验证据

巨灾保险供给主体的演化博弈分析

基于GARCH模型的我国保险公司经济资本度量

中国财产保险业巨灾损失赔付能力实证研究

董事高管责任保险、制度环境与公司治理——基于中国上市公司盈余管理的视角

贾宁  梁楚楚

（清华大学经济管理学院,北京 100084）

［摘要］以盈余管理行为作为研究视角，采用2002年～2011年我国A股上市公司的数据，研究了董事高管责任保险、制度环境与公司治理水平之间的关系。研究发现，相对于没有购买保险的公司，购买了董事高管责任保险的公司具有更高的盈余管理程度。进一步将样本分为国内和香港交叉上市(同时发行AH股)和仅国内上市(仅发行A股)两个子样本，发现对于AH股公司，购买保险的公司具有更低的盈余管理程度，而对于仅发行A股的公司，购买保险的公司却具有更高的盈余管理程度。研究结果表明，董事高管责任保险目前尚未发挥对国内上市公司应有的治理作用。此外，董事高管责任保险的治理作用受到外部制度环境的影响。具体地，在法律和监管制度相对完善的环境下，董事高管责任保险才能发挥正向激励作用。
［关键词］董事高管责任保险；盈余管理；公司治理;制度环境

Directors’ and Officers’ Liability Insurance, Institutional Environment and Corporate
GovernanceBased on the Earnings Management of Publicly Listed Companies in China

Jia Ning, Liang Chuchu

(School of Economics and Management, Tsinghua University, Beijing 100084)

Abstract：Using a sample of China’s Ashare listed companies during 2002 and 2011, and from the perspective of earnings management, we examined the relationship among Directors’ and Officer’s Liability (D&O) insurance, institutional environment and corporate governanceEmpirical results showed that companies that had purchased the D&O insurance exhibited significantly higher level of earnings managementWe further partitioned the sample into companies that listed on the domestic Ashare only (Ashare subsample) and companies that listed on both Ashare market and HongKong market (AHshare subsample)Empirical evidence suggested that D&O insurance was positively related to the earnings management of Ashare subsample, but was negatively related to the earnings management of AHshare subsampleFindings of this paper suggested that D&O insurance failed to play a positive corporate governance role in ChinaFurther, and the corporate governance effect of D&O insurance was influenced by the institutional environmentOnly when there is wellfunctioning laws and regulations can D&O insurance exhibit its positive effects
Key words：Directors’ and Officers’ Liability Insurance;earnings management;corporate governance；institutional environment

基于C-H-N-I框架的我国和欧盟偿付能力监管体系比较分析

李朝锋1  方斌2  代钧珂3

（1中国人民大学财政金融学院保险系,北京 100872；2中国保险监督管理委员会，北京 100140;
3吉林长春净月高新技术开发区经济发展局，吉林 长春 130117）

［摘要］Solvency Ⅱ作为欧洲保险市场偿付能力监管的基本框架，对我国偿付能力监管体系的完善具有重要借鉴意义。要有效借鉴欧洲在保险偿付能力监管方面的经验，首先需要对我国现阶段的保险偿付能力监管体系与Solvency Ⅱ进行系统的比较分析以找出差距，如何对二者进行有效地比较分析是一个根本问题，本文的写作目的正在于引入一个分析框架，并将我国的保险偿付能力监管体系与体现国际偿付能力监管改革最新成果的欧盟的SolvencyⅡ放在统一的框架下进行比较分析，找出我国偿付能力监管体系需要改进之处，进而探索完善我国偿付能力监管体系的途径。
［关键词］保险；偿付能力监管；SolvencyⅡ；CHNI框架；比较研究

A Comparative Study on the Solvency Regulation Systems ofChina and EU based on the CHNI Framework

Li Chaofeng1,Fang Bin2,Dai Junke3

（1Insurance Department of the School of Finance of RENMIN University,Beijing 1000872;2China Insurance Regulatory Commission,Beijing 100140;3Economic Development Administration of Jingyue National High-tech Industrial Development Zone,Jilin Changchun 130117）

Abstract：As the fundamental framework for solvency regulation in EU countries, Solvency II is an important reference for the improvement of the solvency regulation system in ChinaBefore borrowing experiences for the EU system, we need to ascertain existing differences between Solvency II and China’s current solvency regulation regimeAnd how to conduct the comparative study becomes a fundamental questionThe purpose of this paper is to introduce a framework on which to compare China’s solvency regulatory system with EU’s Solvency II, the latest international result for reforming the solvency regulatory regimeThrough such a comparative study, we can discover where the Chinese system should be improved on and the path for perfecting the system
Key words：insurance;solvency regulation;SolvencyⅡ;C-H-N-I framework;comparative study

保证保险法律属性再思考

任自力

（北京航空航天大学法学院，北京 100191）

［摘要］围绕保证保险的法律属性，国内存在保证说、保险说及二元说之争论。相关争论的实质源于人们对保险与担保两种法律制度间基本功能差异的模糊认识，以及对保证保险行为无因性特征的忽视。保险的基本功能是分散与转移风险，担保的基本功能是为债权提供保障，二者侧重明显不同。保证保险是一种带有担保性质的保险,分散与转移风险是其首要功能和特征。保证保险合同与其基础合同间是彼此独立的关系，该独立性源自于商事交易本身对效率、安全和便捷的内在追求。当保证保险合同与其基础合同间存在冲突时法院应充分尊重当事人的特别约定。保险人承担保证责任与保险责任之间的冲突并不能否定保证保险的保险属性。
［关键词］保证保险；担保；保险

Study On the Legal Attribute of Bond Insurance

Ren Zili

(The Law School of BEIHANG University, Beijing 100191)

Abstract：The arguments on the legal attributes of bond insurance include guarantee theory, insurance theory and dualistic theoryThe essence of the argument originates from the obscure understanding of the fundamental function differences between insurance and guarantee, and the neglect on the noncausation feature of the bond insuranceThe insurance’s basic function is risk dispersing and transfer, and the guarantee’s basic function is to provide guarantee for creditor''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''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rightsTherefore, they are clearly different in point of emphasisThe bond insurance is a kind of insurance with some guarantee characteristics, and risk dispersing and transfer is its first and foremost characteristic and main functionThe bond insurance contract is independent of the underlying contractSuch independence originates from commercial transactions’ inherent purpuit of efficiency, safety, and expedienceThe court should fully respect the parties’ special agreement when conflicts arise between the bond insurance contract and the underlying contractThe fact that the insurer undertakes both the guarantee responsibility and the insurance liability cannot change the insurance nature of the bond insurance
Key words：bond insurance;  guarantee;  insurance

中国保险法制研究的新篇章

保险受益人变更之研究

梁鹏

（中国青年政治学院，北京 100089）

［摘要］受益人变更行为之性质，应为单方法律行为。在受益人变更的形式和生效问题上，我国《保险法》的规定存在歧义。关于变更行为的形式，应采形式自由原则，遗嘱可以作为变更的形式。关于变更的生效时点，由于变更行为系属无须受领的意思表示，应自变更行为发出之时生效。投保人或被保险人变更受益人采取通知形式的，于通知到达保险人之前，不得以此对抗保险人，投保人变更受益人未经被保险人同意的，变更行为效力待定，但被保险人未及同意已死亡时，应推定变更行为无效。
［关键词］单方法律行为；变更形式；变更生效；变更效力

A Study on the Change of Insurance Contract’s Beneficiary

Liang Peng

(China Youth University for Political Sciences, Beijing 100089)

Abstract：The nature of changing the insurance beneficiary should be considered a unilateral legal actIn the form and validity of beneficiary change, the provisions of China’s Insurance Law are ambiguousThe principle of free form should be adopted for the form of changeWill shall be recognized as one of the formsThe effective time of change should starts from the time such a request is issued, as the change doesn’t need to be acceptedIf the applicant or the insured change beneficiary by notice, the notice may not be used to opposed to the insurer before the notice arrives to the insurerIf the applicant changes the beneficiary without the consent of the insured, the effectiveness of the change remains to be determinedBut if the insured hasn’t agreed to the change when he dies, the change is invalid
Key words：unilateral legal act;   form of change;going into effect;validity  of change

梁鹏在《保险研究》上发表过的其他文章：

保险法宽限期制度研究

醉酒驾车与交强险人身伤亡赔付——以《交强险条例》第22条第1款为分析重点

死亡保险被保险人同意权之研究

新《保险法》下说明义务之履行

论保险行业协会制定规则的权限

保险法上的“重要事实”研究         

医疗保障水平与中国家庭的医疗经济风险

周钦1  臧文斌1  刘国恩2

（1西南财经大学，四川 成都 610074；2北京大学，北京 100871）

［摘要］利用国务院城镇居民基本医疗保险试点评估入户调查数据，实证研究了大病冲击下中国城镇家庭医疗经济风险的影响因素及医疗保险的作用发挥。研究结果显示，收入水平、慢性病人数、家庭年龄是增加家庭医疗经济风险的主要因素；医疗保险降低家庭医疗经济风险的作用明显，医疗保险报销水平越高，其作用越大；医疗保险有效降低了低收入家庭的灾难性医疗支出风险，但对慢性病、老年家庭的作用有限。因此，政府部门需重点控制低收入、慢性病、老年家庭的医疗经济风险，并针对不同人群特征制定不同的灾难性医疗支出标准。
［关键词］医疗经济风险；灾难性医疗支出；医疗保障水平

Health Insurance Coverage and Medical Financial Risks for Chinese Households

Zhou Qin1,Zang Wenbin1,Liu Guoen2

(1Southwestern University of Finance and Economics, Sichuan Chengdu 610074;2Peking University, Beijing 100871)

Abstract：Using data from Urban Residents Basic Medical Insurance (URBMI) survey, we empirically studied the factors that affected the financial risk of Chinese urban households and the role of health insuranceOur results showed that family income level, number of patients with chronic diseases and age were main factors impactinghouseholds’ medical expenditure riskIn addition, health insurance significantly reduced financial risks for urban households, and the higher the reimbursement proportion the more conspicuous the effectThe effect tended to be stronger for those households that have higher health insurance reimbursement rateLastly, health insurance system significantly reduced catastrophic expenditures of lowincome households, but the effect was limited for families with senior citizens and chronic patientsTherefore, policy makers should pay more attention for alleviating medical financial risks of these families, and set different catastrophic medical expenditure standards according to the features of different groups
Key words：medical financial risk;catastrophic medical expenditure;health insurance coverage

刘国恩在《保险研究》上发表过的其他文章：

城镇居民基本医疗保险参保决策中“搭便车动机”研究

国际巨灾风险管理文献计量分析

黄英君  赵雄  李江艳

（重庆大学经济与工商管理学院，重庆 400030）

［摘要］本文以Web of Sciences 收录的巨灾风险管理文献作为数据样本，首先对检索到的文献进行计量分析，然后利用信息可视化软件CiteSpaceⅡ绘制巨灾风险管理的科学知识图谱，图谱直观地表明了国际巨灾风险管理研究的研究路径、学科主题、研究热点等。基于此，本文研究认为，资本市场应该成为巨灾风险分散的主体，巨灾风险证券化是当今巨灾风险管理研究的热点和实践探索的重点领域。
［关键词］巨灾风险；风险管理；巨灾风险证券化；CiteSpace

Bibliometric Analysis on International Catastrophe Risk Management

Huang Yingjun, Zhao Xiong, Li Jiangyan

(Chongqing University Economics and Business Administration, Chongqing 400030)

Abstract：Firstly, the paper quantitativly analyzed the retrieved literature which were based on the data indexed by Web of ScienceIt then utilized CiteSpace, a kind of information visualization technique and tool, to draw the Mapping Knowledge Domain of catastrophe risk management．The evolution force，subject coverage，research focus on international catastrophe risk management research were indicated intuitively on the maps．This article held that the capital market should become a main body to disperse catastrophe risksSecuritization of catastrophe risks has become the focus of catastrophe risk management research now
Key words：catastrophe risk; risk management; catastrophe securitization; CiteSpace

黄英君在《保险研究》上发表过的其他文章：

我国政策性科技保险的最优补贴规模研究

中国保险业发展与经济增长关系研究——基于VAR模型的实证分析

农业巨灾风险管理的比较制度分析：一个文献研究

我国二元化城乡社会保障体系反思与重构：基于城乡统筹的视角分析

我国农业保险发展的市场运行机制研究

中国农业保险制度的变迁与创新①

论我国产险公司分散性业务营销模式的创新

保险法的功能研究

析近因原则在保险理赔中的适用

赵雄在《保险研究》上发表过的其他文章：

我国政策性科技保险的最优补贴规模研究

国有保险公司集中采购管理的合规风险研究

黄盛

（对外经济贸易大学保险学院，北京 100029）

［摘要］集中采购管理作为企业供应链管理的重要组成部分，在支持保险公司业务发展和强化内控管理方面具有重要作用。本文以某国有保险公司为对象，通过构建模型,采用问卷调查的方式收集了集中采购管理中影响合规风险因素的数据，运用实证研究的方法对保险公司集中采购管理的合规风险进行了分析，结果发现，保险公司集中采购合规风险可以分为需求风险、供给风险、采购操作风险、财务操作风险、监管操作风险及制度风险六个方面，同时在调研中发现各采购参与者对采购合规风险的认识度和关注点是不相同的。因此，加强集中采购管理的合规风险管理需要建立风险沟通机制，并从公司层面进行全面风险管理。
［关键词］集中采购；合规风险；风险沟通；全面风险管理

Research on Compliance Risk of Centralized Procurement Management in Insurance Company

Huang Sheng

(University of International Business and Economics, School of Insurance, Beijing 100029)

Abstract：Centralized procurement management is a vital component of enterprise’s supplychain management, which functions significantly in insurance company’s business operations and internal control managementThe author selected a big stateowned insurance group as its research object, collected the data which probably would affect compliance in the process of centralized procurement management through the means of questionnaire,and adopted the empirical methods to analyze the compliance risksIt demonstrated that the compliance risks of centralized procurement mainly rooted in demand risks,supply risks, financial operational risks and institutional risksThe research also revealed that various participants in the procurement process perceived compliance risks differentlyTherefore, this thesis suggested to set up a risk communication mechanism and conduct comprehensive compliance control overall departments
Key words：centralized procurement;compliance risk;risk communication;comprehensive risk management