Temporary Loan Limits as a Natural Experiment in Federal Housing Administration Insurance

The Economic Stimulus Act of 2008 dramatically but temporarily increased the mortgage loan amount eligible for insurance through the Federal Housing Administration (FHA). We use the implementation and expiration of these loan limits as a source of exogenous variation in the availability of FHA insurance to measure the impact on the overall mortgage market and conventional lending. We find that the introduction of higher loan limits increased the number of loan originations, but that the expiration of those loan limits roughly 6 years later did not significantly decrease affected loan originations. The substitution between loan products and small net impact on the overall mortgage market when the ESA loan limits expired may be explained by the return of a stronger conventional lending industry than existed during the housing crisis.     

美国管理式医疗的发展历程及对国内医保的借鉴

从理论和实证的研究表明,管理式医疗曾被当作美国医疗保险改革的典范,甚至有人尊其为有效降低医疗费用和成本的灵丹妙药。在有效控制节节攀升的医疗服务费用方面,管理式医疗确实达到了非常好的效果。但是,医疗服务需要关注的不仅是费用,还有医疗服务的质量、服务的可及性以及临床医疗的长远发展等方面。而美国管理式医疗的发展历程生动地诠释了普通民众需要的不仅仅是"廉价"的医疗服务这一现实。     

What Mothers Do: Motherhood as a Resource for Negotiating Sick-Leave Legitimacy in Swedish Sickness Insurance Interactions

Sick leave in the Nordic countries is a gendered issue. Alongside other explanations, women’s higher levels of sick leave have been linked to their far-reaching family responsibilities. Meanwhile, studies have shown how such responsibilities induce questioning of the legitimacy of sick leave, indicating that normative aspects linking these categories cannot solely be approached in terms of causal explanations. The current study suggests an alternative way of studying this relationship, approaching motherhood as something being “done” in situated ways, to particular ends; a resource for interaction. By analysing naturally occurring interactions—meetings held by the Swedish Social Insurance Agency—the study renders visible the collaborative production of sick leave as a gendered matter, and motherhood as part of the negotiation of sickness insurance. The analysis shows the meaning and import of motherhood for sick leave to be a live issue for participants, drawing attention to how these categories are neither culturally predefined, nor dispositional, but flexibly assembled for certain purposes. Motherhood functions as a resource in two ways: (1) displaying restricted ability to care for children supports claims of impairment; (2) invoking motherhood works to account for slow or inactive rehabilitation. However, occasioning motherhood in the examined context is also risky: (3) displaying extensive mothering may be treated as indicating low commitment to rehabilitation, and (4) displaying limited mothering may be taken as indicating unfitness as a parent.     

失地农民就业稳定性影响因素研究

失地农民的就业问题是我国城市化进程中不容忽视的问题。研究以“被征地后平均每份工作的 持续时间”作为界定就业稳定性的指标，从微观层面研究失地农民就业稳定性的影响因素。研究发现，在个体 特征方面，年龄、婚姻状况、工作年限对就业稳定性的影响显著，而性别、受教育程度、职业资格证书等级等 的影响则不显著；在岗位特征方面，社会保险、单位类型和所属行业对就业稳定性有显著影响，而岗位类型的 影响则不显著。此外，就业创业培训对失地农民的就业稳定性没有显著影响，而征地补偿金、补偿房屋出租等 征地后收入来源则显著降低失地农民的就业稳定性。     

我国保险业的发展策略

我国保险营销在营销体制方面存在许多问题,可从创新保险业营销观念、制定科学合理的营销发展战略、强化我国保险机制等方面发展保险营销,这对我国保险企业经营绩效和长久的竞争及发展具有重要意义。     

国有企业经营者薪酬的法律规制——一个程序视角的分析

管理者薪酬,不仅在于给什么,而且在于如何给,此即国有企业经营者薪酬的实体与程序规制两个面向。由于缺乏自治性与适应性,实体规制面临诸多困境甚至＂失灵＂,为此,转换视角,引入和完善薪酬程序规制殊为必要,亦即基于正当程序原理完善程序规制立法以及救济与责任机制,保障程序规制得以实施。     

警察训练的安全保障体系研究

警察训练安全保障体系由训练的事故预防、事故处理、事故保险和保险管理四个部分构成,它的发展建设因受经济、观念等条件的局限和制约,目前只在少数几个西方经济发达的警务管理先进国家践行。其将警察的安全关口前移,推动了借助各种社会力量(社会保险业等)为警察提供更多的职业安全保障。因此,积极创新理念、大胆更新观念、借鉴国外成功经验、努力构建安全保障体系,为今后实践奠定坚实的理论基础,应是明智之选。     

论新《消费者权益保护法》规定的欺诈行为之认定

《中华人民共和国消费者权益保护法》(以下简称《消法》)自从1994年1月1日生效以来,就与人们的生活密切相关。本次修订因为规定了对经营者的惩罚性赔偿,所以备受人们瞩目。对于如何认定经营者的欺诈行为,消费者、经营者、欺诈三个词在此条中起着关键的作用,大量的争议也聚集在此三个关键词上。如果将其概念、范围用法律明确下来,那么此条解释和适用上的矛盾将会被很好的解决。     

论国家刑事补偿制度的构建——兼论我国司法救助之不足

刑事被害人的司法救助机制是当前学界研究的热点之一,但我国的司法救助并没有明确国家责任,难以担当起法律救济的重任。而刑事补偿制度明确了国家的责任,弥补了司法救助之不足,在与之相关的国家赔偿制度已经确立的前提下,其更适合我国国情,具有建构的必要性。其中,刑事补偿参与主体、补偿范围和标准、补偿程序和追偿程序的界定及设计是刑事补偿制度的主要内容。     

论非工伤侵权基本医疗保险先行支付问题

我国《社会保险法》第30条第2款规定了先行支付制度,由于当前的规定不够细致,在实际运用中出现了一些问题。先行支付,应在把握保障参保人基本利益的原则、补偿性原则和追偿原则的前提下,从申请、审核与支付、追偿三个环节来完善。