论海上保险国际统一立法的必要性——基于法经济学视角的分析

自20世纪60年代以来,经济全球化要求商事法国际化。海上保险法就是其中之一,但是半个世纪以后,商事法国际统一成果寥寥无几,海上保险法国际统一更是毫无建树。当然,法律文化的协调难度较大,然而国际商事旧秩序既得利益者主导市场规则导向,阻碍商事法国际统一是根本原因。鉴于此,有必要从法经济学的供求、成本效益、效率三个基本理论出发,对商事法国际统一进行系统分析。     

论我国环境责任保险的立法模式——以利益平衡为视角

20世纪90年代,环境责任保险在我国兴起,但社会效果却不理想,于是出现了立法模式的争论。我国环境责任保险立法要对部分环境责任保险进行强制。     

建立健全社会保障体系的思索

建立健全社会保障体系是社会生产力发展的 必然结果，是市场经济发展和人口老龄化的客观要 求。建立健全社会保障体系对分离国有企业富余职 工、优化企业组织结构提供了前提和条件，也为深化 经济体制改革奠定了坚实的社会基础。建立健全社会 保障体系，要求认真贯彻党的现行社会保障政策，逐 步提高社会保障的社会化程度，拓宽社会保障筹资渠 道，提高社会保障基金的保值增值能力。     

浅谈我国寿险营销内部环境的完善

完善我国寿险营销的内部环境,就要着重加强新险种的开发创新和完善个人代理制度。     

“单线模式”到“双线模式”的改进——执行风险分担的保险制度引入

我国现有的民事执行往往遵循"单线模式",即在一个执行财产的框架下,对于效率和公正做抉择。这样的前提,在制度设计方面极易出现此消彼长的情况,因此设想借保险制度引入,实现效率和公正可同时保障的"双线模式"。     

Workers' compensation and the governance of pain

This article examines the medico-legal systems of workers' compensation. It is divided into three parts, the first taking an historical perspective to locate the first workers' compensation laws, the circumstances which led to their implementation, and their consequences in terms of the shift from individual fault to industrial risk. In the second part, the discursive practices of medico-legal knowledge-power typically found in workers' compensation systems are examined, especially the principles and clinical practices that are deployed to 'police' the boundaries of such schemes and to mitigate costs. Part three then summarizes the effect of neo-liberal governmentality and its underlying economic rationality as it attempts to regulate, by means of the artifice of liberty, the behaviours of firms and workers. Workers' compensation deserves analysis for the special technical and insurantial problems it entails, given its complex triangular insurance relation (involving the insurer, the firm, and the worker), its deployment of medical, economic and actuarial knowledges, and its production of special problems and uncertainties surrounding the governing of a class of persons incapacitated for productive work.     

The unavailability of information on insurance unavailability: Insurance redlining and the absence of geocoded disclosure data

Abstract

The availability of insurance in urban communities has long been a contested public policy issue. One of the central points of contention has been the value of publicly available data on the geographic distribution of property insurance policies. This debate has intensified since the Home Mortgage Disclosure Act, which requires geocoded disclosure of mortgage lending activity, was passed. A small number of states have required disclosure of limited data. But precisely what data are available has been unclear, and their utility has been debated.

This survey of all state insurance commissioners documents what is in fact the very limited availability of insurance disclosure data. Only eight states require any disclosure of geocoded data, and just four of them make company‐level data available to the public. Data from one of those states, Wisconsin, are used to show how such data could benefit insurers, consumers, and regulators.     

我国基本医疗保险经办机构的定位与职能

在"全民医保"即将建成的格局下,我国基本医疗保险经办机构本应成为积极而强势的医疗服务购买者。但目前我国基本医疗保险经办机构仍旧是一个"消极的医疗费用支付者",其具体职能离真正意义上的医疗服务购买者相去甚远。这也导致其无法发挥抑制医疗机构滥用专业优势的功能,并削弱了其所承载的医疗社会化的目标。因而有必要借鉴美国等医疗市场发达国家的"管理式医疗"经验,将我国基本医疗保险经办机构定位为医疗服务购买者,对现有的基本医疗保险经办机构进行公益性改革,并实现其职能转型,使其成为一个选拔合格医疗机构、参与医疗行业标准化诊疗流程和病种制度建设、对患者反馈信息进行分析和评价、控制医疗费用上涨并监督医疗服务质量的职能部门。     

Cyber insurance – What coverage in case of an alleged act of War? Questions raised by the Mondelez v. Zurich case

In October 2018, snack company Mondelez International, Inc. (Mondelez) filed an action against Zurich American Insurance Company (Zurich), requesting indemnification for more than USD $100,000,000 in losses caused by the NotPetya cyber virus. Zurich refuses to cover these damages alleging one of the insurance policy's exclusions for damage resulting from a hostile or warlike action by a government, as the NotPetya attack is said to have been sponsored by Russia. This case is noteworthy for multiple reasons: not only is it the first significant legal dispute in the insurance field concerning the recovery of costs resulting from a cyber attack, but it is also the first time that an insurance company is invoking the war exclusion to decline coverage for an allegedly state-sponsored cyber hack.This article analyzes the key issues of this important case, including attribution of a cyber attack to a State and interpretation of an insurance policy's war exclusion in a cyber context, and the likelihood of success of Mondelez's arguments. It also explores the strengths and limits of general principles of contract and public international law when applied to new technologies and cyber incidents. Finally, it discusses the potential impacts of the Mondelez case on the contents and limits of future traditional and cyber-specific insurance policies.     

论保险诈骗的特别共犯

刑法条文关于保险诈骗共犯的规定属于特别规定.保险诈骗共犯构成需要符合主体、主观方面、客观方面的特定条件.构成保险诈骗特别共犯所要求的故意,是指行为人对提供虚假证明文件行为具有故意,而不是对帮助他人诈骗具有故意.保险诈骗共犯的罪名应根据实施保险诈骗的人构成的罪名而定.