Earthquake disaster risk,as a typical social disaster risk,is one of the most important risks in modern Chinese society.This study gives definitions of the institution,describes the formation history,the connotations ...Earthquake disaster risk,as a typical social disaster risk,is one of the most important risks in modern Chinese society.This study gives definitions of the institution,describes the formation history,the connotations and development and analyzes its role in the control of major social risks caused by earthquakes.Finally,the paper presents recommendations for continuous improvement of this institution under the guidance of risk society theory,and for its application to the government reform and social governance.展开更多
P2P network lending refers to the individual through the oJfline trading platform provided by the Business Company provides small loans to other individuals. According to the sea tree Lingyi data stalistics, as of Nov...P2P network lending refers to the individual through the oJfline trading platform provided by the Business Company provides small loans to other individuals. According to the sea tree Lingyi data stalistics, as of November 2014. China has 1371 P2P network lending company, than by the end of2013 638 over more than doubled. Since 2014,The cumulative volume of the whole network lending industry is up to 431.2 billion yuan. With the increasing social awareness in the industry, the future of the number and amount of P2P network lending companies in China will continue to grow rapidly. However, at present our P2P network credit risk management issues is serious, lacking of professional risk management personnel,who audit on the borrower＇s credit mostly limited to the upload information of borrowers. Credit rating is largely dependent on the subjective judgment of the risk control personnel and audit staff, which can not meet the requirements of the transaction participants in the loan security measures.This paper to pat the loan company were empirical research, through the logistic model to find the breach the key influence factors, to construct the borrower＇s credit risk evaluation methods, and to provide the P2P network lending risk control with specific policy recommendations.展开更多
Social health insurance is an important part of the social security system. It is the ＂stabilizer＂ of social and economic development and the ＂buffer＂ of reform. It is of great significance and function to the con...Social health insurance is an important part of the social security system. It is the ＂stabilizer＂ of social and economic development and the ＂buffer＂ of reform. It is of great significance and function to the construction of economic development, social progrcss and harmonious society. However, due to many factors, the operation of the social health insurance fund is facing greater risk. Although the balance is rich, but the general talk about the ＂balance＂, inevitably fall into the ＂too optimistic, ignore the risk＂ of the errors, the current basic medical insurance system, compared with working employees, retirement elderly people do not pay, personal accounts into more, The overall proportion of individual funds to pay lower policy concessions. Although there is a large amount of surplus in the annual health insurance fund, a large part of the balance is due to the relatively young age structure of the insured population and the low consumption of health insurance funds. With the increasing level of the aging of the insured population, the ratio of on-the-job and the backward is gradually reduced, the effect of these preferential policies will continue to enlarge, making the total fund expenditure increased significantly. Therefore, it is an important task to reform the basic medical insurance system in China to strengthen the research on risk control in the medical insurance fund of urban workers, to prevent and control the risks faced by the fund and to ensure the safety of the fund.展开更多
基金sponsored by the National Social Science Fund of China "Research on the Status,Efficiencies and the Policy on the National Significant Seismic Monitoring and Protection Regions"(11&ZD054)
文摘Earthquake disaster risk,as a typical social disaster risk,is one of the most important risks in modern Chinese society.This study gives definitions of the institution,describes the formation history,the connotations and development and analyzes its role in the control of major social risks caused by earthquakes.Finally,the paper presents recommendations for continuous improvement of this institution under the guidance of risk society theory,and for its application to the government reform and social governance.
文摘P2P network lending refers to the individual through the oJfline trading platform provided by the Business Company provides small loans to other individuals. According to the sea tree Lingyi data stalistics, as of November 2014. China has 1371 P2P network lending company, than by the end of2013 638 over more than doubled. Since 2014,The cumulative volume of the whole network lending industry is up to 431.2 billion yuan. With the increasing social awareness in the industry, the future of the number and amount of P2P network lending companies in China will continue to grow rapidly. However, at present our P2P network credit risk management issues is serious, lacking of professional risk management personnel,who audit on the borrower＇s credit mostly limited to the upload information of borrowers. Credit rating is largely dependent on the subjective judgment of the risk control personnel and audit staff, which can not meet the requirements of the transaction participants in the loan security measures.This paper to pat the loan company were empirical research, through the logistic model to find the breach the key influence factors, to construct the borrower＇s credit risk evaluation methods, and to provide the P2P network lending risk control with specific policy recommendations.
文摘Social health insurance is an important part of the social security system. It is the ＂stabilizer＂ of social and economic development and the ＂buffer＂ of reform. It is of great significance and function to the construction of economic development, social progrcss and harmonious society. However, due to many factors, the operation of the social health insurance fund is facing greater risk. Although the balance is rich, but the general talk about the ＂balance＂, inevitably fall into the ＂too optimistic, ignore the risk＂ of the errors, the current basic medical insurance system, compared with working employees, retirement elderly people do not pay, personal accounts into more, The overall proportion of individual funds to pay lower policy concessions. Although there is a large amount of surplus in the annual health insurance fund, a large part of the balance is due to the relatively young age structure of the insured population and the low consumption of health insurance funds. With the increasing level of the aging of the insured population, the ratio of on-the-job and the backward is gradually reduced, the effect of these preferential policies will continue to enlarge, making the total fund expenditure increased significantly. Therefore, it is an important task to reform the basic medical insurance system in China to strengthen the research on risk control in the medical insurance fund of urban workers, to prevent and control the risks faced by the fund and to ensure the safety of the fund.
