Planning for the succession of digital assets

Estate planners’ current strategies for the disposition of digital assets are quickly becoming out-dated. This is largely the result of ambiguities concerning proprietary rights of digital assets after death. When advising clients on how to plan for the succession of digital assets, it is important for estate planners to understand the nature of digital assets today and to recognize how these assets may evolve. In failing to take into account the evolving nature of digital assets, estate planners are liable to craft short-sighted and thus ineffective succession plans. As the popularity of digital executor businesses increases, estate planners ought to caution clients on their shortcomings. Additionally, legislatures must create statutes which outline the rights of individuals vis-à-vis online service providers.     

我国商业银行个人理财业务发展中的问题和对策

随着中国经济的快速持续发展,居民收入大幅增加,我国个人理财业务发展前景十分广阔。目前中国理财市场处于从无序竞争向规范化发展的转折时期,受相关政策的制约及市场定位不明确、创新意识不足等因素的影响,个人理财业务发展严重落后。因此,商业银行应通过积极加强理财队伍建设,明确市场细分,加强市场营销来促进个人理财业务的发展,这对于我国商业银行今后的发展壮大有十分重要的意义。     

促进基本公共服务均等化是政府建设的内在要求

我国"十二五"规划明确提出,要提高政府保障能力,促进基本公共服务均等化。促进基本公共服务均等化是政府建设的内在要求,是由政府的本质特性决定的。从组织特性来看,政府具有公共性,政府职能的本质在于提供公共产品与服务;从科学发展的视角来看,政府提供基本公共服务是我国经济社会发展的客观要求。塑造服务型政府是促进基本公共服务均等化的重要途径。     

船员外派人身伤亡案件中船员服务机构地位辨析

船员外派是指船员被选派到境外,且通常在外籍船舶上提供劳动服务。《中华人民共和国船员条例》把船员服务机构定义为从事代理船员办理申请培训、考试、申领证书等有关手续,代理船员用人单位管理船员事务,提供船舶配员等船员服务业务的机构。结合《中华人民共和国船员条例》《中华人民共和国船员服务管理规定》以及2008年颁布的《中华人民共和国劳动合同法》,对在船员外派中船员服务机构的身份和法律地位进行分析,厘清船员、船员服务机构和境外船东三者关系,从而确定船员服务机构在此类案件中应承担的责任。     

志愿服务主体法律关系探讨

近年我国志愿服务事业得以蓬勃发展,亟需将志愿服务纳入法制化轨道。志愿活动中纠纷的处理、责任的承担等,都需要首先对志愿服务主体法律关系予以明确界定。志愿服务的核心精神自愿性、无偿性、利他性决定了志愿者、志愿者服务组织、志愿者服务对象之间的关系建立在具有服务与帮助性质的帮工合同、委托合同基础上。志愿服务主体地位平等,志愿服务导致的损害,责任方应承担民事侵权责任。     

市场化政策工具视阈下农村公共服务体系创新探析

由于长期受城乡二元经济结构战略的影响,我国农村公共服务持续性的供给不足一直是农村建设和发展的掣肘。当前农村公共服务主要由政府来提供,这种单一体制导致了农村公共服务供给效率低下、种类单一及结构失衡等问题。运用民营化、用者付费和特许经营等市场化政策工具可有效破解公共服务有效供给的难题,创新农村公共服务供给体系。     

政府购买公共服务研究

政府购买公共服务是政府提供公共服务的一种新理念、新方法,它有利于实现政府职能的转变,有利于提高公共服务的供给效率,也有利于促进社会组织的发展。积极推进这项改革,需要树立服务型政府理念,健全政府购买公共服务制度,完善监督和评估机制,促进社会组织的发展,同时也需要为其营造良好发展环境。     

后小康时代我国相对贫困治理的挑战与应对

在全面消除绝对贫困后,我国的贫困治理已转向相对贫困.当前,我国的国际方位、发展方位、社会主要矛盾发生了历史性变化,相对贫困治理也面临着相对贫困人群瞄准难、相对贫困扶持精准供给难、"能力贫困"及"精神贫困"韧性大、碎片化与系统化矛盾调和难等挑战.后小康时代,应构建相对贫困治理长效机制,织密多维动态识别、政策统筹衔接、持续...     

Reduced payer's liability for unauthorized payment transactions under the second Payment Services Directive (PSD2)

In 2015, the European legislator enacted the second Payment Services Directive, which, among other things, determines the payer's liability for unauthorized payment transactions. This paper will show that PSD2 has widened its scope and further reduces the payer's liability for unauthorized transactions, for example by making it impossible to hold the payer liable in case no strong customer authentication has been applied, by requiring supporting evidence to prove the payer's fraud or gross negligence and by applying the same rules when unauthorized transactions are initiated through a payment initiation service.     

Banking in the cloud: Part 2 – regulation of cloud as ‘outsourcing’

This paper looks at EU banks' use of public cloud computing services. It is based primarily on anonymised interviews with banks, cloud providers, advisers, and financial services regulators. The findings are presented in three parts. Part 1 explored the extent to which banks operating in the EU, including global banks, use public cloud computing services.Part 2 of this paper covers the main legal and regulatory issues that may affect banks' use of cloud services. It sets out how EU banking regulators have approached banks' use of cloud services and considers regulators' lack of cloud computing knowledge. The paper further considers how the regulation of outsourcing applies to banks' use of cloud services, including whether cloud computing constitutes “outsourcing”. It analyses the contentious issue of contractual audit rights for regulators as well as legal and practical issues around risk assessments, security, business continuity, concentration risk, bank resolution, and banking secrecy laws.Part 3 looks at the key contractual issues that arise between banks and cloud service providers, including data protection requirements, termination, service changes, and liability.All three parts of the paper can be accessed via Computer Law and Security Review's page on ScienceDirect at: http://www.sciencedirect.com/science/journal/02673649?sdc=2. The full list of sources is available via the same link and will be printed alongside the third part of the article.