互联网融资创新、风险及其法律规制——以P2P网贷平台为分析视角

互联网金融作为传统金融自发改革、创新的产物,具有传统金融无可比拟的优势,但它既具备金融领域的固有风险,也具有互联网先进技术与传统金融结合而生成的新风险。对于这种风险,应该坚持"非法律规范—行政法规范—刑法规范"的调整位阶,以保护金融创新为监管的出发点。对于致力于信用担保的P2P网贷平台,应该对其资金池引入第三方托管,不应一概以非法吸收公众存款罪取缔。金融创新背景下,对金融管理秩序的垄断性保护失去了其正当性,对于非法吸收公众存款罪的解释,应该以公众财产权益这一法益为指导。     

巨灾保险试点问题解析及对策研究

巨灾保险试点运营以来,在取得了一定的巨灾风险管理成效的同时困难也不断出现,因此,如何进一步推行巨灾保险,是一个亟待解决的问题。本文在论述以巨灾保险转嫁巨灾风险与自助、互助、公助的理念相契合,巨灾风险之"公众性"和"社群性"决定了巨灾保险政府介入的必要性和有限性,巨灾保险与大数法则的矛盾及其化解,巨灾保险试点运营存在的问题与政府介入的维度、方式及回弹性的基础上,对推行巨灾保险提出以下对策建议:设立"巨灾保险救助基金"和"巨灾储备金"并采取三级联保方式;推广和创新巨灾保险产品;通过扩大试点范围和强制保险等措施,解决巨灾保险试点运营存在的具体问题。     

Preventing Corruption Risk in Legislation: Evidence from Russia,Moldova, and Kazakhstan

ABSTRACT

Corruption risk assessment of draft laws and other normative acts is a relatively new instrument in the anti-corruption strategies implemented by developed nations, countries in transition, and the developing world. In connection with this, any practical experience accumulated in this area presents obvious interest. The analysis of such experience may allow to identify what works and what does not work in introducing the practices of anti-corruption screening of draft laws and other normative acts in various environments and settings, as well as contribute to dissemination of best practices in the countries of the region and elsewhere.

This article seeks to analyze and demonstrate the extent of practical implementation of corruption risk assessment of draft and enacted legislation in three post-communist countries, the problems encountered and solutions identified. Proceeding from this analysis, certain recommendations for practitioners in this field are formulated.     

Managing Social Risk in China Local Administration: An Examination of SSRA Initiative

Social Stability Risk Assessment (SSRA) sponsored by the local administration is perceived as a socially defined risk-coping initiative since it became mandatory in China. This article observes and unravels SSRA practices by selecting Xuzhou municipality as a sample case. Findings show that local SSRA is operated by the tridimensional mechanism and antecedents of its effectiveness in enforcement are linked with multiple elements of administrative supports. The findings contribute to a full understanding of SSRA in mainland China where there is no electoral democratic regime, and provide implications for developing countries alike. Some recommendations are proposed as a potential driver of these results.     

Procedural justice,obligation to obey,and cooperation with police in a sample of Jamaican citizens

ABSTRACT

Procedural justice theory plays a central role in understanding police–citizen relationships. To test the universality of procedural justice theory, researchers have tended to assess the relative impacts of normative and instrumental models of policing in different geopolitical contexts. Building on Reisig and Lloyd’s study in Jamaica, we test in the current study the relative impacts of procedural justice (a normative factor) and police effectiveness and risk of sanctioning (instrumental factors) on Jamaicans’ obligation to obey the police and willingness to cooperate with police. We found that procedural justice predicted both obligation to obey and cooperation, although obligation did not predict cooperation. And while effectiveness predicted obligation, it was not significantly related to cooperation. Lastly, older citizens were more willing to cooperate with police. The study’s implications for policy and future research are discussed.     

Stage model for female criminals: business school students’ perceptions of white-collar offenders

We know that half of the population in Norway is female, and we know that females represent 6% of the white-collar crime prison population. In the stage model overview, we derive percentages from the literature into the gender model to explain stepwise reduction from 50% to 6%. In our empirical research, we asked two groups of business school students to come up with their own estimates for the stages in the model for female criminals. While estimates from executive students resulted in 3% women in prison, bachelor students’ estimates resulted in 10% women in prison. The most obvious discrepancy between the research literature and our two survey groups is related to relative convictions. Based on the literature, we suggested that female defendants receive more serious convictions because they may perceive and feel more guilt for a crime, for example in terms of regret, shame and depression. Thus women may have a tendency to confess more easily. Both executive students and bachelor students disagree with this estimate of 140%, as they suggest 62% and 69% respectively. One reason for their suggestion of less serious convictions for female white-collar criminals – sometimes labelled pink-collar criminals – might be that family situation and other elements are taken into account before a verdict is passed on a woman. Another substantial discrepancy is related to detection risk. The literature suggests a low detection risk for women, but may be not as low as we estimated at 30%. Both executive and bachelor students believe that the gender difference in detection likelihood is not that formidable, as they suggest 75% and 65% respectively.     

Gender-specific differences – first results from a survey on dental surgery

This study focuses on dental surgery from the perspective of practicing dentists through a nationwide survey among practicing dentists in Germany. Subjects were surveyed with respect to patient care and their training in dental surgery. With respect to surgical activity, this survey confirms male dominance in the field and that female dentists may be inclined grade surgical interventions as ‘complicated and risky’. Male dentists appear to be willing to take the same risks with greater self-confidence, whereas female dentists appear to overrate their personal uncertainty by underestimating their real technical capabilities. Though dental treatment in general is increasingly dominated by women, surgery is still dominated by male dentists. This can be viewed through observed gender differences with respect to risk perception and we advocate additional professional training of risk competence as mandatory for the future.     

“Making It”: Understanding Adolescent Resilience in Two Informal Settlements (Slums) in Nairobi,Kenya

Many adolescents living in contexts characterized by adversity achieve positive outcomes. We adopt a protection–risk conceptual framework to examine resilience (academic achievement, civic participation, and avoidance of risk behaviors) among 1,722 never-married 12–19 year olds living in two Kenyan urban slums. We find stronger associations between explanatory factors and resilience among older (15–19 years) than younger (12–14 years) adolescents. Models for prosocial behavior and models for antisocial behavior emerge as key predictors of resilience. Further accumulation of evidence on risk and protective factors is needed to inform interventions to promote positive outcomes among youth situated in an ecology of adversity.     

Continuity and catastrophe: business continuity management and the security of financial operations

This paper discusses business continuity management (BCM) and its role in contemporary financial institutions. BCM is a nascent disaster preparedness and recovery strategy that seeks to protect vital business operations from disruptions. The paper traces contemporary BCM back to Cold War continuity of government planning, and shows how BCM came to comprehend security as continuity of processes rather than integrity of goods. BCM is prominent in finance because it promises to mitigate operational risks, and it focuses on risks stemming from interdependencies in financial infrastructures. By engaging with two events that triggered continuity management in banks, Hurricane Sandy in New York City and the ‘Blockupy’ demonstrations in Frankfurt, the paper highlights how BCM is challenged by large-scale disasters as well as acts of public criticism.