巨灾保险试点问题解析及对策研究

巨灾保险试点运营以来,在取得了一定的巨灾风险管理成效的同时困难也不断出现,因此,如何进一步推行巨灾保险,是一个亟待解决的问题.本文在论述以巨灾保险转嫁巨灾风险与自助、互助、公助的理念相契合,巨灾风险之"公众性"和"社群性"决定了巨灾保险政府介入的必要性和有限性,巨灾保险与大数法则的矛盾及其化解,巨灾保险试点运营存在的问...     

敦煌吐鲁番借贷契约的抵赦条款与国家对民间债负的赦免——唐宋时期民间高利贷与国家控制的博弈

敦煌吐鲁番借贷契约中的"公私债负停征,此物不在停限"、"后有恩赦,不在免限"等抵赦条款,是民间社会对抗国家赦免私债的契约表现.始于北魏时期的国家对私债的赦免,针对的是"偿利过本,翻改券契"等民间高利贷行为;唐、五代及南宋、元初赦令,延续了这个传统.这一赦免初衷,也波及到无息借贷,致使抵赦条款也出现在无息借贷契约中,反映了民间防御意识的加强.契约中的抵赦条款的反复出现与国家免除民间债负赦令的频繁发布,反映了民间高利贷与国家控制的长时间博弈.明清时,国家不再以赦令形式免除私债,契约中的抵赦条款也随即消失.     

加强城市房屋拆迁中被拆迁人权利保障

我国城市化浪潮中大规模的城市房屋拆迁,在一定程度上改善了居民整体生活环境和卫生条件的同时,也引发大量的拆迁纠纷和拆迁冲突。由于缺乏有力的权利保障和救济机制,被拆迁人的合法权利难于保障。我们应从立法、行政、司法等领域加强和疏通对处于弱势地位的被拆迁人的权利保障和救济,还公民私权以应有的尊严。     

保险人说明义务若干疑难问题研究

我国《保险法》第17条、第18条关于保险人说明义务的规定,其实施效果并不理想,实际情况是保险人不说明或说明流于形式化.对于非消费性保险合同、续保的保险合同、个别协商条款、非责任免除条款、法定免责条款,保险人无须履行主动说明义务.当前最重要的是促进保险条款说明方式的实质化:一是推进保险条款的通俗化,提高保险条款的可读性;二是促进责任免除条款说明方式的实质化.保险人未明确说明责任免除条款的,其法律后果仍应维持不产生效力的现行规定,而不宜引入国外的冷静观察期制度.     

Conceptualising a Framework for Effective Performance Measurement in Cultural Precinct Development and Operation

The purpose of this paper is to firstly identify and synthesise critical measurement themes in extant academic literature concerning performance measurement in cultural precincts. Secondly, the paper posits for consideration a holistic and systematic framework (which embraces those themes) for developing appropriate performance measures for cultural precincts. The outcomes in this paper (a) confirm and clarify the complexity of performance measurement needed, (b) furnish a framework for practitioners embarking on the development of such measures, and (c) indicate the conceptual and pragmatic challenges faced in developing and enacting appropriate and meaningful measures for cultural precincts. Consequently, this paper serves as a conceptual positioning paper and a practical embarkation point for practitioners willing to engage with and pursue this phenomenon. Thereby, it endorses more dialogue on and further research and analysis of performance measurement in government operated cultural precincts.     

Temporary Loan Limits as a Natural Experiment in Federal Housing Administration Insurance

The Economic Stimulus Act of 2008 dramatically but temporarily increased the mortgage loan amount eligible for insurance through the Federal Housing Administration (FHA). We use the implementation and expiration of these loan limits as a source of exogenous variation in the availability of FHA insurance to measure the impact on the overall mortgage market and conventional lending. We find that the introduction of higher loan limits increased the number of loan originations, but that the expiration of those loan limits roughly 6 years later did not significantly decrease affected loan originations. The substitution between loan products and small net impact on the overall mortgage market when the ESA loan limits expired may be explained by the return of a stronger conventional lending industry than existed during the housing crisis.     

Following the donor-designed path to Mozambique’s US$2.2 billion secret debt deal

Strenuous efforts by donors and lenders over four decades turned Mozambique from a socialist success story into a neoliberal capitalist one. The private sector dominates; a domestic elite dependent on foreign companies has been created. But a secret US$2.2 billion arms and fishing boat deal involving Swiss and Russian banks and Mozambican purchases from France, Germany, and Israel, with large profits on all sides, was a step too far down the donor’s capitalist road. The International Monetary Fund cut off its programme and western donors ended budget support.     

What Mothers Do: Motherhood as a Resource for Negotiating Sick-Leave Legitimacy in Swedish Sickness Insurance Interactions

Sick leave in the Nordic countries is a gendered issue. Alongside other explanations, women’s higher levels of sick leave have been linked to their far-reaching family responsibilities. Meanwhile, studies have shown how such responsibilities induce questioning of the legitimacy of sick leave, indicating that normative aspects linking these categories cannot solely be approached in terms of causal explanations. The current study suggests an alternative way of studying this relationship, approaching motherhood as something being “done” in situated ways, to particular ends; a resource for interaction. By analysing naturally occurring interactions—meetings held by the Swedish Social Insurance Agency—the study renders visible the collaborative production of sick leave as a gendered matter, and motherhood as part of the negotiation of sickness insurance. The analysis shows the meaning and import of motherhood for sick leave to be a live issue for participants, drawing attention to how these categories are neither culturally predefined, nor dispositional, but flexibly assembled for certain purposes. Motherhood functions as a resource in two ways: (1) displaying restricted ability to care for children supports claims of impairment; (2) invoking motherhood works to account for slow or inactive rehabilitation. However, occasioning motherhood in the examined context is also risky: (3) displaying extensive mothering may be treated as indicating low commitment to rehabilitation, and (4) displaying limited mothering may be taken as indicating unfitness as a parent.     

The ‘rule of experts’ in making a dynamic micro-insurance industry in India

India is reported to have the most dynamic micro-insurance market in the world and the largest weather-index insurance market among developing countries. This is interesting because, paradoxically, reports readily suggest that the primary hindrance for the industry is the widespread lack of effective demand for insurance. This paper seeks to identify, understand and problematize the paradox of resolutely promoting micro-insurance and its apparent rapid growth despite a manifest absence of demand for insurance. Neo-classical theories about risk-averse behaviour do not explain the current lack of appeal of insurance among the poor. Rather, I draw on a postcolonial political economy framework to argue that expert investment in getting prices and culture right while safeguarding micro-insurance supply currently explains the celebrated dynamism of Indian micro-insurance. I argue that promoting comprehensive institutional reform for an ideal investment and entrepreneurial climate involves securing mutually beneficial linkages, collaborations and knowledge within a broad assemblage of profit motives, insurance expertise, policy-makers and professionals. Insurance experts rule by promoting the micro-insurance sector while simultaneously investing in and gaining from discursive, material and pedagogical construction of this industry. Future research should address whether such processes and products are effective in managing financial risks of the poor.     

The origins of severance pay in unemployment compensation: a comparative analysis

ABSTRACT

This article contributes to an under-developed field in the social policy literature through an analysis of the origins of severance pay (SP)/redundancy pay schemes and, more specifically, their first designs in nine countries—Canada, the United Kingdom, Germany, Austria, France, Italy, Sweden, Spain, and Portugal. It has two objectives: first, to identify the key actors who shaped the design of the first SP schemes; second, to explain variations in terms of their mode of regulation, generosity and coverage. By building on the state-centric and power-resource perspectives, it identifies the conditions under which the state had an autonomous role vis-à-vis organized labour in SP reforms and the circumstances under which organized labour was the main actor. When the state was the key actor, it preferred legislation for the regulation of SP either to legitimize its apparatus in a ‘revolutionary’/‘potentially revolutionary’ context or to facilitate structural transformations of the economy in a ‘reformist’ context. When organized labour was the key actor, its preference was to regulate SP through ‘only collective bargaining’ or ‘legislation’, subject to the degree of unionization. Lastly, the paper argues that key actors (the state or organized labour) took into account the distributive structure of existing UI schemes when designing the coverage and generosity structure of the first SP schemes during the post-war era.