我国存款保险制度构建中道德风险控制的设想

存款保险制度在对银行存款提供保护和对危机银行进行救助的同时,也改变了存款人、投保机构、金融监管者和存款保险机构所面临的激励与约束机制,可能产生道德风险问题。中国正在研究构建中的存款保险法律制度,必须借鉴发达国家的经验,选择或安排限额赔偿、差别费率、强制投保等一系列法律制度,控制可能生成的道德风险,维护金融体系的稳定与发展。     

论朱熹的法律思想

朱熹集前人思想之大成,把儒家经典哲理化,同时也完成了中国封建正统法律思想的哲理化。他的法律思想表现在以“存天理,灭人欲”为核心的“因事制宜”的变法理论、“相为始终”的德礼政刑理论以及“以严为本,而以宽济之”的司法主张等方面。朱熹的法律思想对后世影响深远。     

论存款保险法律关系的客体

经过对财产保险的分类,本文认为存款保险属于责任保险中的保证保险.存款保险的客体并不是存款本身,而是"银行所负有的向存款人返还存款的责任".存款合同的权利义务正好是存款保险合同的客体,因此,存款合同是存款保险合同的客体合同.     

The impact of at-large elections: vote dilution or choice dilution?

Multi-member, at-large legislative elections result in election outcomes different from outcomes in single-member district elections for two reasons: they cancel out the voting strength of geographically concentrated groups of voters (e.g., party groups, racial groups), and they make it difficult for a voter to vote for an individual candidate, rather than for one of the competing lists of candidates. An electoral setting in Long Island, New York, presents an opportunity to test which of these two aspects of at-large elections—vote dilution or choice dilution—accounts for the usual pattern of one party (or group) winning all the legislative seats at stake.     

Parliamentary elections in Cambodia 1998

On 26 July 1998, Cambodia had a general election for the second time since the 1991 Paris Peace Accords ending the Civil War. The first elections took place in 1993 within the framework of the United Nations Transitional Authority in Cambodia (UNTAC). The 1998 elections were organised by Cambodian institutions with the international community supplying financial and material help, and electoral advice.     

关于推进基层工会直接选举的探讨

怎样使工会维权产生机制上的动力，首先要从基层工会直接选举做起，改变某些基层工会主席实际上由单位负责人决定的现象。由会员（代表）大会直接选举工会主席，充分体现工会组织的群众性，使基层工会主席切实对职工负责，并接受职工的监督。     

保证金刍议

在法律对于保证金缺乏明确规范的背景下,探讨保证金的类型,对于备用金类型的保证金、预付款类型的保证金、租赁保证金、装修保证金、定金类型的保证金、保有返还请求权的保证金、无双倍返还效力的保证金分别界定,确定各自的法律效力,十分必要。     

存款合同还是金融衍生交易——汇丰银行“双利存款”案解析

银行个人理财产品的本质是固定收益计划,但大多嵌入了金融衍生工具从而增加了市场风险。国内首例公开报道的银行理财诉讼——汇丰双利存款诉讼显示,在“存款”名义下发生的是“存款合同＋期权合同”的场外金融衍生交易,在银行与客户之间形成了新的收益-风险分配模式。客户承担理财产品市场风险的决策基础是银行的信息披露与风险提示义务。银行如何履行信息披露义务不仅决定了汇丰双利存款诉讼的结局,同时也是银行个人理财纠纷中区分市场风险与法律责任的关键。     

真伪储蓄合同之辨——储蓄合同效力的考察

本文从主体适格、意思表示真实和不违反法律和公共利益三个角度分析了储蓄合同的效力 ,提出了两个主要观点 :一是不能一概排除无民事行为能力人订立储蓄合同的资格 ,无民事行为能力人订立的储蓄合同应作为效力待定合同通过法定代理人的允许或承认而发生法律效力 ;二是反对高息纳储不等于取消利率的任何差别 ,只有在国家严格监管下允许储蓄机构利用一定的利率浮动进行合理竞争 ,才能既维护金融秩序的稳定又保障储蓄业务的健康活力。     

Learning and Party Competition

Downs's (1957) analysis of political ideologies by means of a spatial analogy suggests that parties' efforts to attract votes lead them to adopt a median position. In this study, we consider a typology of two‐party competition based on two different learning environments, i.e. individual and social learning. Our results suggest that in the environment of population learning we have the median outcome, i.e. conventional, and in the one of individual learning we have the outcome of divergence.