以创新促进农村金融改革

“三农”问题的存在决定了我国农村金融的特殊性。农村金融市场、金融体系和金融服务等方面存在很多问题,急需进行改革。建议进行金融制度创新、金融产品创新和金融服务创新。     

住房反抵押货款模式中的预期寿命风险及其承担机制

以住房反抵押贷款模式辅助现行的养老制度，以改善老年人的生活水平、寻求和建立养老保障的新机制，近来收到了广泛的关注。但是该模式在推行中会由于种种不确定性，借贷双方都将面临较大风险，从而使这一模式的推行遭遇相当的障碍。本文着重对该模式推行中涉及的借款者的预期寿命与实际寿命之间的差异风险，以及其承担机制，给予了较深入的探讨。     

The allusive market: insurance of flood risk in neoliberal Britain

Launched in 2016, Flood Re is a government-supported scheme for flood-risk insurance in Britain that is intended to pave the way towards an eventual ‘free’ market featuring risk-reflective pricing. This paper introduces the concept of ‘the allusive market’ to denote the figurative work that the market vision performs in this context. Alluding to the merits of what is in reality a highly implausible market-based future for flood insurance releases the government from having to substantively address intractable problems associated with the financial risk of flooding in the present: the market will come to the rescue. A risk-management crutch, the allusive market engenders contemporary policy paralysis, occasioning in turn the worsening of the very problems that the market is being relied upon, eventually, to resolve.     

Venue Preference and Earthquake Mitigation Policy: Expanding the Micro‐Model of Policy Choice

Seismologists have reported that a majority of recent earthquakes in Oklahoma have been triggered by the activities of oil and gas companies. Despite this fact, there is evidence of strong opposition toward earthquake mitigation policy. In this article, we argue that how individuals define issues affect their policy choice. Furthermore, we incorporate the concept of venue shopping from the literature on macro theories of the policy process to investigate the effect of problem definition in shaping individual venue preference for policy choice. Using unique survey data, we find that problem definition, particularly issue causality and issue image, is strongly related to individual support for earthquake mitigation policy. However, a more nuanced relationship between individual problem definition and venue preference is observed. Our findings contribute to scholarly endeavors to understand the politics of problem definition at an individual level, which may be the precursor of understanding policy choices at the institutional level.     

少数民族文化风险及其法律规制研究

现代化进程中少数民族文化风险主要指利益分配不均衡引发的风险,文化贬低引发的风险,少数民族文化尊严被漠视引发的风险,传统文化流失所带来的风险,国家文化安全方面的风险等。少数民族文化风险的法律成因主要导源于中国历来的产权制度缺失现象在少数民族文化领域的体现,现行文化法制的缺陷,文化类国际公约在中国实施不充分等。域外的社区知识产权模式、公有领域作品使用付费制度、文化财保护制度、生态博物馆制度、土著权利保护模式等对中国少数民族文化风险的法律规制都有重要的借鉴意义。中国少数民族文化风险法律规制应建立公法与私法并用的混合模式,特别是要构建传统文化产权制度并促进少数民族民众对其文化保护的有效参与。     

技术专家在风险社会中的角色及其限度

在以追求安全为崇高目标的现代性运动中却遭遇了风险的巨大挑战,人类已进入风险社会。风险既具有实在性又具有建构型。在风险建构中,掌握着专业知识的专家扮演着重要角色。进行风险界定,为风险决策提供合法性基础是技术专家在风险社会的重要角色定位,但其角色及其功能实现具有其限度,表现在:技术专家进行的风险界定可能产生更大风险;技术专家风险界定所依赖的量化和实证方法隐含内在缺陷;风险管理是包含技术要素和非技术要素在内的复杂过程,技术专家对非技术问题的解决无能为力。要加强人类社会应对风险的能力,应当进一步提高风险意识,打破专家对风险界定的垄断,实现风险决策结构的开放,使利益相关者可以真正参与到风险决策中来。     

整体推进惩治和预防腐败体系建设研究——以吉林省为例

惩治和预防腐败体系是由反腐倡廉若干事物和要素相互联系有机构成的统一整体。惩治和预防腐败体系的最大特点是惩防并举,注重预防。吉林省惩防体系建设取得了重大的成绩,同时也存在着一定的问题,这需要进一步加强惩防体系建设。     

Impact of Political Risk on FDI Revisited—An Aggregate Firm-Level Analysis

Unlike previous studies on political risk and foreign direct investment (FDI) that used macro-level FDI data to test micro-level theories, I make use of aggregate data on U.S. firms' investment activities in 101 developing countries during the period 1997–2007 to reassess the propositions. Using a multilevel mixed-effects linear instrumental variable approach, I find that lower political risk is associated with (a) an increase in U.S. firms with equity stake of 51% and above, (b) a higher proportion of fixed assets, and (c) an increase in the return on investments, after controlling for a host of relevant factors. Further analysis reveals the relationship is also strong with respect to investments in total assets and sales. The results are robust to alternative data, instruments, and estimation techniques. These results bring to fore the multiple risk hedging strategies available for foreign firms operating in high risk environments.     

论网上证券委托错误的民事责任承担——以投资者利益保护为导向

当网上交易出现系统故障致使交易指令无法执行时,即发生网上证券委托错误,通常会引起利益纠纷,此时责任如何分担也就成为非常现实的问题。券商提供的符合现有法律的"在线交易协议书"和风险提示书存有大量的免责事由,而基于网络证券交易技术风险承担规则的考察则有缺乏正当化的依据。因此,要实现网上证券交易的持续发展,就必须建立合理有效的民事责任分担制度,同时引入网上证券交易保险机制。     

我国网络信贷风险规制法律问题研究

网络信贷正在日益改变金融资源循环的模式,并对正统金融配置失衡起着有力的抗衡与补正作用,但是网络自身的特点也加剧了这种资金供求链断裂的风险。同时,既有法律的禁止性或限制性规定,或规则本身的含糊不清也成为网贷一时尚难以跨越的障碍。系统地认知网贷风险,并以此为基础来决定法律应有的态度及划定网贷平台企业的业务边界是风险规制的关键所在。