浅谈我国保险资金的运用

保险资金的运用是保险经营的重中之重.本文在分析我国保险资金投资现状的基础上,提出若干拓宽保险资金运用渠道的建议,以期对现实有一定的借鉴作用.     

贵州少数民族人口结构变动对养老保险的影响

社会养老保障不仅关系到保险人和投保人的利益 ,而且关系到职工因年老退休所造成的经济损失能否得到及时的、足额的补偿。在我国还关系到经济制度改革的成败 ,因此 ,加强社会养老保险的研究 ,进一步健全和完善社会养老保险制度 ,具有十分重要的社会意义。     

从医疗保险制度改革看我国城镇职工医疗权的保障

医疗权是公民的一项基本权利,政府在维护公民医疗权的问题上承担着道德责任。我国政府通过医疗卫生体制改革,尽可能使我们的医疗保障制度符合公正性、公益性和效益合理性的伦理原则,从而更好地实现对公民医疗权的维护。尽管在实际操作的过程中仍然面临着很多困难和问题,但是积极的改革措施表明了政府在保障公民医疗权问题上的积极态度。     

构建中日韩自贸区农产品市场准入谈判分析

构建中日韩自贸区,必定要在农产品领域实现贸易自由化,其中农产品的市场准入问题首当其冲。虽然中日韩已签署的双边自贸协定对三国间农产品市场准入谈判有重要的借鉴意义,但日韩为保护国内脆弱的农业,大量运用关税和非关税措施,并在多边农业谈判中就关税削减、特殊保障措施的存废等问题的立场与中国存在较大差异,这预示着上述问题将成为中日韩自贸区农产品市场准入谈判的难点。因此,即将开启的中日韩自贸区农产品市场准入谈判,应当结合有益的国内外实践,恰当规划谈判议程,遵守非歧视性原则,灵活设定关税削减问题中的农产品准入范围、过渡期,规范适用农产品特殊保障措施,从而推动该谈判各项共识的早日达成,进而加快中日韩自贸区谈判的进程。     

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.     

Insurance Fraud and the Role of the Civil Law

Two UK Supreme Court decisions have considered insurance fraud. The first, Versloot Dredging BV v HDI‐Gerling Industries Versicherung (The DC Merwestone), concerned the use of a fraudulent device being harnessed to support a legitimate claim which, in the view of the majority, was an area of insurance law in need of re‐evaluation. The second, Haywood v Zurich Insurance Co, concerned the use of fraud to increase the settlement paid by the insurer and whether an insurer, which suspects fraud but has nevertheless chosen to settle a claim, is entitled to set aside the settlement under the tort of deceit where it subsequently discovers proof that it was in fact fraudulent. This case note examines not only the legal implications of the decisions and their likely impact on industry practice, it also focuses on the broader issue of the proper province of the civil law and whether general deterrence can be justified as a proper objective where the criminal law is deficient in punishing fraud because of its higher standard of proof.     

浅析建立企业年金的必要性

社会保障体系改革不仅要解决原有保障制度历史遗留问题,更重要的是应该着眼于未来。构造新型社会保障体系以促进我国转型后市场经济的健康发展,不仅需要加快建立城镇职工基本养老保险制度,同时还要积极发展企业年金。     

建议设立拒不缴纳社会保险费罪

社会保险费是建立和完善社会保险制度的物质基础。拒不缴纳社会保险费的行为, 具有严重的社会危害性和违法性,采用行政处罚不足以遏制其滋生蔓延。为保证社会保险费的及时、足额征收,必须运用刑罚手段制裁拒不缴纳社会保险费的行为。     

大力发展农产品加工业推进广西工业化进程

发展农产品加工业是广西工业化的重要组成部分。发展农产品加工业,符合广西的客观现实,是实现广西工业化的基础,是打破二元经济结构的必然要求,也是广西对接东盟市场的需要。通过发展农产品加工业,可以充分开发利用广西的优势资源,加快县域经济的发展,从而推进广西工业化进程。     

巨型灾害保险法律制度的构建

面对巨型灾害造成的大规模损害,传统保险法的运作机制无法有效应对.各国保险法律制度通过专门立法或者扩大既有强制性保险的范围加以规制.我国已经开始了对巨灾保险的立法尝试,但规定还相当原则,需要从费率确定、再保险机制、制度配合三个方面进一步完善.