国际保险业的“非相互化”:动因、影响及借鉴

近30年来,西方发达国家的保险业出现了"非相互化"的趋势,许多传统的相互保险公司在组织形式上先后转变为股份制保险公司。从动因来看,"非相互化"趋势是相互保险公司内外部多种因素共同作用的结果。"非相互化"对保险公司的经营绩效和国际市场格局产生了影响,但是对保单持有人的影响不大。"非相互化"并非意味着相互制组织形式行将"终结",相互制组织形式仍然有着顽强的生命力。我国已经具备了适时、适度放开相互保险市场准入的条件,监管机构应在相互保险的公司治理、业务领域、退出机制、保单持有人权益保护等方面对现有规则进行完善。

相互保险公司转制的美国经验

二十世纪以来的相互化浪潮、非相互化浪潮以及相互保险的复苏展示了相互保险公司这一组织形式所经历的大起大落。相互化浪潮的产生原因包括扭转市场负面评价、清除潜在房地产税问题、防止公司控制权转移、缓解经营困难等。非相互化浪潮产生的原因整体上在于现代金融市场的发展使相互保险公司在资金筹集和经营管理方面的劣势凸显,微观上是公司财务状况的恶化。非相互化可以分为完全非相互化和部分非相互化两种方式。我国的相互保险尚在起步阶段,鉴于美国经验,我国应未雨绸缪,为可能发生的保险公司转制做好理论准备和制度建设,提前掌握转制的整体思路和基本流程。

我国县域发展相互保险模式的探讨

相互保险公司作为提供保险保障的一种组织形式,在全球保险市场中发挥了重要作用,而我国的《公司法》、《保险法》中都没有对这一种组织形式做出明确的规定。通过对相互保险制度和相互保险制度非相互化的介绍,分析了在我国县域地区发展相互保险制度的可行性。

Time Evolution,Dynamical Quantum Fluctuation and High-Order Squeezing Feature in Polariton System——Ⅰ

We have set up a new reduced model Hamiltonian for the polariton system, in which the nonlinear interaction contains the rotating term k l （ a ＋ b ＋ ab＋） and the attractive two-mode squeezed coupling - k2 （ a ＋ b＋ ＋ ab ） . The dynamical evolution of this system has been solved and the nonclassical features relevant to the second-order and high-order squeezing have been obtained in an analytical form. For the first time, in contrast to the existing result, we have confirmed for the phonon field that the attractive two-mode squeezed interaction will not only result in the second-order and high-order squeezing in X-component with the time evolution, but also in time average. Furthermore, the phenomena of collapse and revival of inversion will occur as well in the time evolution of the average number of photon and phonon, as also in the second-order and high-order squeezing of photon field, particularly, in the high-order squeezing of phonon field.

Brown Bear-Human Conflict Management at Brooks River, Katmai National Park and Preserve

From 1989-2009, 1,430 bear management report forms collected at Brooks Camp, KNP （Katmai National Park）, were placed in 1 of 9 categories representing bear-human interactions of concern. Using non-parametrical statistics the categories identified dominance interactions, fish-related dominance interactions, food obtained, food-related incidents, fish stolen, property damage, and use of deterrents either decreasing or exhibiting no significant trends over time. Aggressive behavior by bears towards park staff in bear management situations increased. An elevated walkway and platform at Brooks Falls and an electric fence at the campground marked significant decrease in bear-human interactions in these areas. Changes in fishing regulations in 1998 marked significant decreases in number of fish stolen. Changes in minimum distance regulations in 2003 marked no change in number of dominance interactions or bluff charges. Efforts to facilitate visitor traffic in areas around the floating bridge have marked significant increases in number of bear-human interactions. Management and policy efforts have been successful in minimizing bear-human interactions. Habituation of bears to human activity has likely contributed to both minimizing general interactions and increased aggressive bear behavior towards management staff. This study provides examples of successful adaptive management tactics for bears and humans in a visitor oriented setting.

The Nonlinear Interaction Process in the Wave Assimilation Model and Its Experiments

This paper presents a composite interaction formula based on the discrete-interaction operator of wave-wave nonlinear interaction for deriving its adjoint source function in the wave assimilation model. Assimilation experiments were performed using the significant wave heights observed by the TOPES/POSEIDON satellite, and the gradient distribution in the physical space was also analyzed preliminarily.

A Padé-Aided Analysis of Nonperturbative NN Scattering in ^1S0 Channel

We carried out a Padé approximant analysis on a compact factor of the T-matrlx for NN scattering to explore the nonperturbative renormalization prescription in a universal manner. The utilities and virtues for this Padé analysis are discussed.

Nonlinear interaction mechanisms of disturbances in supersonic flat-plate boundary layers

Due to the complexity of compressible flows,nonlinear hydrodynamic stability theories in supersonic boundary layers are not sufficient.In order to reveal the nonlinear interaction mechanisms of the rapidly amplified 3-D disturbances in supersonic boundary layers at high Mach numbers,the nonlinear evolutions of different disturbances in flat-plate boundary layers at Mach number 4.5,6 and 8 are analyzed by numerical simulations.It can be concluded that the 3-D disturbances are amplified rapidly when the amplitude of the 2-D disturbance reaches a certain level.The most rapidly amplified 3-D disturbances are Klebanoff type(K-type)disturbances which have the same frequency as the 2-D disturbance.Among these K-type 3-D disturbances,the disturbances located at the junction of upper branch and lower branch of the neutral curve are amplified higher.Through analyzing the relationship between the amplification rate and the spanwise wavenumber of the 3-D disturbances at different evolution stages,the mechanism of the spanwise wavenumber selectivity of K-type 3-D disturbances in the presence of a finite amplitude 2-D disturbance is explained.

Supramolecular dendritic polymers for diagnostic and theranostic applications

Supramolecular dendritic polymers（SDPs）provide a new opportunity for the precision diagnosis and treatment of diseases. SDPs are a novel class of non-covalently bonded macromolecules with highly branched structure and three-dimensional globular topology, which exhibit dynamic/reversible features and unique physical/chemical properties（e.g., high solubility, low viscosity, and numerous functional terminal groups）. The reversibility of non-covalent interactions endows SDPs with the ability of facile preparation, smart responsiveness, and simple metabolism. These special characteristics determine the properties of SDPs, which are the key points for theranostic applications, including diagnosis,therapy, and theranostics. In this review, we briefly summarize the design and synthesis of SDPs with aimed structures,properties, functions as well as their present diagnostic and theranostic applications. These developments on the preparation and applications of SDPs for diagnostic and theranostic purpose promote interdisciplinary research fields of chemistry, material and biomedical science.

Understanding enzyme catalysis by means of supramolecular artificial enzymes

Enzymes are biomacromolecules responsible for the abundant chemical biotransformations that sustain life. Recently, biochemists have discovered that multiple conformations and numerous parallel paths are involved during the processes catalyzed by enzymes. It is plausible that the entire macromolecular scaffold is involved in catalysis via cooperative motions that result in incredible catalytic efficiency. Moreover, some enzymes can very strongly bind the transition state with an association constant of up to 1024 M-1, suggesting that covalent bond formation is a possible process during the conversion of the transition state in enzyme catalysis, in addition to the concatenation of noncovalent interactions. Supramolecular chemistry provides fundamental knowledge about the relationships between the dynamic structures and functions of organized molecules. By tak-ing advantage of supramolecular concepts, numerous supramolecular enzyme mimics with complex and hierarchical structures have been designed and investigated. Through the study of supramolecular enzyme models, a great deal of information to aid our understanding of the mechanism of catalysis by natural enzymes has been acquired. With the development of supramolec-ular artificial enzymes, it is possible to replicate the features of natural enzymes with regards to their constitutional complexity and cooperative motions, and eventually decipher the conformation-based catalytic mystery of natural enzymes.

Conformation preference and related intramolecular noncovalent interaction of selected short chain chlorinated paraffins

Short chain chlorinated paraffins （SCCPs） are not only research focus of environmental issues but also interesting model mol- ecules for organic chemistry which exhibit diverse conformation preference and intramolecular noncovalent interactions （NCIs）. A systematic study was conducted to reveal the conlk）rmation preference and the related intramolecular NCIs in two C^-isomers of SCCPs, 5,5,6,6-tetrachlorodecane and 4,4,6,6-1etrachlorodecane. The overall conformation profile was deter- mined on the basis of relative energies calculated at the MP2/6-311＋＋G（d,p） level with the geometries optimized by B3LYP/6-31 l＋＋G（d,p） method. Then, quantum theory of atoms in molecules （QTAIM） has been adopted to identify the NCls in the selected conformers of the model molecules at both B31~YP/6-31 l＋＋G（d,p） and M06-2X/aug-cc-pvdz level. Different chlorine substitution modes result in varied conformation preference. No obvious gauche effect can be observed tk）r the SCCPs with chlorination on adjacent carbon atoms. The most stable conformer of 5,5,6,6-tetrachlorodecane （tTt） has its three dihedral angles in the T configuration, and there is no intramolecular N（3s found in this molecule. On the contrary, the chlorination on interval carbon atoms favors the adoption of gauche configmation for the H C C CI axis. Not only inlramolecular H-..CI contacts but also H---H interactions have been identified as driving forces to compensate the instability from steric crowding ot the gauche configuration. The gggg and g＇g＇g＇g＇ conformers are the most popular ones, while the populations of tggg and tg＇g＇g＇ conformer are second to those of the gggg and g＇g＇g＇g＇ conformers. Meanwhile, the M06-2X method with large basis sets is preferred for identification of subtle intramolecular NCIs in large molecules like SCCPs.

Integrability and Solutions of the(2+1)-dimensional Hunter–Saxton Equation

In this paper,the(2+1)-dimensional Hunter-Saxton equation is proposed and studied.It is shown that the(2+1)-dimensional Hunter–Saxton equation can be transformed to the Calogero–Bogoyavlenskii–Schiff equation by reciprocal transformations.Based on the Lax-pair of the Calogero–Bogoyavlenskii–Schiff equation,a non-isospectral Lax-pair of the(2+1)-dimensional Hunter–Saxton equation is derived.In addition,exact singular solutions with a finite number of corners are obtained.Furthermore,the(2+1)-dimensional μ-Hunter–Saxton equation is presented,and its exact peaked traveling wave solutions are derived.

Construction of Soliton-Cnoidal Wave Interaction Solution for the (2+1)-Dimensional Breaking Soliton Equation

In this paper, the truncated Painleve analysis and the consistent tanh expansion （CTE） method are developed for the （2＋1）-dimensional breaking soliton equation. As a result, the soliton-cnoidal wave interaction solution of the equation is explicitly given, which is dimcult to be found by other traditional methods. When the value of the Jacobi elliptic function modulus rn = 1, the soliton-cnoidal wave interaction solution reduces back to the two-soliton solution. The method can also be extended to other types of nonlinear evolution equations in mathematical physics.

Electromagnetically Induced Transparency of Two Intense Circularly-Polarized Lasers in Cold Plasma: Beat-Wave Second Harmonic Effect

In the present paper the problem of nonlinear interaction of two mildly-relativistic circularly polarized lasers in a cold plasma is studied in order to investigate electromagneticaily induced transparency （EIT）. Based on a relativistic kinetic model, by expansion of relativistic Lorentz factor in terms of lasers amplitude, we obtain the coupled nonlinear dispersion relations. It is observed that due to resonance in the second harmonic of plasma beat-wave, the new EIT pass-band is created in the high intensities of lasers. The effect of amplitude and frequency variation on the dispersion is numerically investigated.

Organic–inorganic nanohybrids for fluorescence, photoacoustic and Raman bioimaging

Organic-inorganic nanohybrid materials repre- sent a wide range of nanoscaled synthetic materials con- sisting of both organic and inorganic components that are linked together by covalent or non-covalent interactions, which have been widely employed in various fields such as optoelectronics, catalysis and biomedicine. As a result of this special combination, nanohybrid materials assemble numerous extraordinary features that provide great opportunities to improve their stability, multifunctions, biocom- patibility, eco-friendliness and other physical and mechanical properties. This review highlights recent re- search developments of functional organic-inorganic nanohybrid materials and their specific applications in bioimaging including fluorescent, Raman, photoacoustic and combined bioimaging. Future research directions and perspectives in this rapidly developing field are also discussed.