浅谈我国出口信用保险经营机构的不足与完善

我国的外贸出口额逐年增加,但出口信用保险却不能适应出口额的增长。经过了十多年的发展,我国的出口信用保险基本上能为我国的出口企业服务,但在业务的运作方面与发达国家相比还有较大的差距。在2001年底,我国成立了中国出口信用保险公司,出口信用保险的发展情况有所改善,但仍不能充分满足出口企业的需要。承保机构在开发险种、降低保费率、改善投保方式、服务水平和服务质量等方面应进一步做出改进。

我国农业保险经营机构发展研究

促进农业保险经营机构的健康发展是建立我国农业保险体系的重要组成部分。基于此,本文研究了我国农业保险经营机构的发展状况,分析其存在的共性问题及其形成原因,并探讨了如何构建促进农业保险经营机构发展的机制,即完善政府的支持机制,加强农业保险经营机构自身的内部治理机制,建立农业保险经营机构与有关各方的社会协同机制,以形成促进农业保险经营机构发展的"合力",推动我国农业保险事业的健康发展。

人身保险融合化及其警示

传统的人身保险包括人寿保险、健康保险和意外伤害保险,这种划分是以所承保的抽象性或概括性风险的不同为标准的,但实践中许多保险产品均突破了这种划分标准,出现不同人身保险之间保险内容或特点相互融合的趋势。本文对人身保险融合化的具体表现进行了详细列举,对融合化现象的本质和产生原因进行了分析,阐述了融合化现象对保险机构和监管部门的警示。

The Enlightenment and Reference of American Medical Insurance Operation Mechanism to the Modernization of Medical Insurance in China

The United States is unique in terms of health insurance, supplemented by commercial health insurance, supplemented by government medical care and medical assistance, and the United States has been criticized for being the only developed country that has failed to achieve universal health insurance. Although the United States in the health insurance operation also encountered a variety of problems, but its health insurance operation mechanism in the commercial insurance model and legislation first, democratic participation and other experience, it is worth in China＇s medical insurance management in the modernization of learning to learn from.