Research on Cooperation Mechanism of China's Financial Regulation and Supervision System

Financial regulation and supervision is an important subject in finance research. After the U. S. subprime mortgage crisis,the weakness in this field becomes the research focus. Every country attaches importance to strengthen the financial supervision and management. But the financial regulatory system is a large system,and the process of model building and index selection is very complicated. A model for China's financial regulation and supervision system was proposed and a system evaluation method was improved. A more exact result was drawn by choosing 2003- 2009 index data.

New Regulations on the Supervision of Foreign-funded Banks in China

Foreign banks have achievedremarkable development in China since theintroduction in 1980, and so far there are 135institutions doing business in our country.With the increasing number of foreign-fundedfinancial institutions and the developmentof their businesses, China has made someadjustments to its policies and laws governingforeign banks in recent years, which aredemonstrated in the following aspects.Ⅰ Regions: In August, 1994, 11 cities wereapproved to set up business institutions offoreign banks. So far, the number of suchcities has increased to 24, as follows: Beijing,

Comparison of Old and New Regulations on Supervision and Administration of Cosmetics

Compare the current and previous requirements of the old and new“Regulation on Supervision and Administration of Cosmetics”,interpret the changes in the new regulations in detail,to help the enterprises understand the latest requirements of Regulation on Supervision and Administration of Cosmetics.

Rationale for Banking Regulation

Banking is one of the most heavily regulated sectors across the world. Generally,the public suggests that banks are vital to economic stability. In addition, the development and efficiency of the banking system are significant contributors to overall economic growth. In addition, the article will provide an analysis of the key underlying reasons for the range of regulations that face the banking sector. Last but not the least, the article will concentrate on the four main considerations of the traditional rationale for banking regulation and supervision.

Corporate Governance,Government Regulation and Bank Stability

By using the data collected from the years 2006 to 2012 of16 listed banks as samples,an empirical test was set up to analyze the impacts of corporate governance and government regulation towards bank stability. The results show that the nature and percentage of ownership of the largest shareholder,as well as the top10 shareholders, have no significant impact on bank stability.Supervision of board of directors increases bank stability, while independent directors could not play the role of supervision. Higher executive compensation increases bank stability,while shareholding of executives does not show much incentive function. Franchise value has self-regulatory effects. Capital regulation also improves bank stability. Implicit insurance covers the entire banking system.Improving corporate governance and government regulation to increase bank stability are put forward.

On the Role of Consumer Preferences in the Coordination among Health Insurers under Regulated Competition

This paper addresses the coordination problem of price and quality setting insurers, arising on the health insurance market under regulated competition, as introduced, for instance, in the Netherlands in 2006. We use an experimental study to gain novel insights on the impact of the uncertainty about consumer preferences on the coordination problem. This fundamental uncertainty implies uncertainty about the identity of the payoff dominant equilibrium, while the risk dominant equilibrium is independent of the state of the world. The experimental results show that insurers are more likely to coordinate on the payoff dominant equilibrium under incomplete information. When insurers face not only strategic but also fundamental uncertainty in the coordination problem, they delay the response to the risk dominant strategy, and persist longer in trying to coordinate on the payoff dominant equilibrium. For the market we study, this implies that the co-ordination under incomplete information will result in consumers paying higher prices, in contrast to the original objectives of the regulated competition.

Impact of Punitive Supervision on Corporate Financial Performance

Financial performance is an indicator to measure the strength of a company’s business operation capability,which is of great concern to enterprise managers,external investors,and government regulators.Based on the data of Chinese listed companies from 2012 to 2016,this paper included government administrative penalties regulation into the study of factors influencing corporate financial performance and conducted an empirical analysis.The research shows that punitive supervision has a significant negative impact on corporate financial performance;rectifying the effect on financial performance would increase the operating cost.Simultaneously,the degree of punitive supervision will also affect corporate financial performance,with the financial performance of listed companies subjected to severe punitive supervision being poorer.

A Brief Discussion of the New Trend of Cosmetics Regulations Based on the Imported Cosmetics Registration Data

This article is based on data analysis from 2012 to 2019 of imported non-special-use cosmetics registration quantity,special-use cosmetics registration quantity,children's cosmetics registration quantity,etc.And also based on the Regulation on Supervision and Administration of Cosmetics(Draft),and so on.This article will briefly discuss the influence of the new trend of Chinese cosmetics regulations on the development of the cosmetics industry.According to data analysis,the pre-market approval process for cosmetics is closely related to the annual increase in the new product registrations quantity.Since March 1st,2017,the reform of the imported non-special-use cosmetics registration was first initiated in Pudong New Area in Shanghai,the imported cosmetics registration quantity has increased significantly,so as the non-special-use children’s registration.Under the background of no obvious change in the pre-marketing approval process of imported special-use cosmetics,there is no significant increase in the quantity of annual registration.Among the nine categories of special-use cosmetics,sunscreen and whitening cosmetics accounted for the highest proportion,followed by hair dyeing.For the hair-growing,breast beauty,fitness categories of special-use cosmetics,the registration quantity each year was very low due to the low approval rate,long approval process and high testing costs,etc.According to the new trend of Chinese cosmetics regulations,the idea of cosmetics supervision and administration is changing from focusing on pre-market approval procedures to focusing on post-market surveillance.

China’s New Cosmetic Regulations and Their Impact on Cosmetic Registration Person and Notification Person

Regulations on the supervision and administration of cosmetics(hereinafter referred to as“CSAR”)will be formally implemented on January 1,2021,and there are more than 10 related regulations and normative documents draft has been issued,these new rules will be built to form a new cosmetics regulatory system,the CSAR for the first time put forward the"cosmetic notification person and registration person system",improve the barriers to entry for cosmetic notification person and registration person.This paper summarizes and analyzes the new regulations on cosmetics issued in 2020,and briefly discusses the new requirements and suggestions on setting up quality management system,quality safety responsible person,adverse reaction monitoring and evaluation system,cosmetic efficacy evaluation and other new requirements for cosmetics notification person and registration person after the implementation of the new regulations.

Cosmetic Safety and Risk Assessment Under the “New” Regulations

Regulations for the Supervision and Administration of Cosmetics was promulgated by the State Council on June 29,2020 and will take effect on January 1,2021.Compared with the previous Regulations on Health Supervision of Cosmetics,there are more items proposed for the safety of cosmetics.In this paper,the main changes of the safety supervision of cosmetics by comparing the“new”and“old”regulations were summarized with the potential influences on different groups(government,cosmetic enterprises and consumers)discussed.The important laws and regulations on cosmetic safety and risk assessment in China with recently added in vitro testing methods were summarized and the principal theory of cosmetic quantitative risk assessment was introduced.

常态化监管体系下医保智能监控应用现状及优化策略研究

常态化监管体系下,面对医保监管对象众多、资金量庞大、结算数据海量的新形势、新挑战,医保智能监控成为基金监管的必备工具、重要手段及技术支撑。本文通过梳理回顾国家医保局成立以来的常态化监管新举措,分析医保智能监控的必要性和意义;以某省(市)为例,应用专家访谈法及问卷调查法调查统筹区医保经办机构的智能监控手段应用现状;提出构建我国医保智能监控体系及推进地区应用的优化策略。

信用修复机制及在市场监管领域的实践研究

随着社会信用体系建设的深入推进,信用修复制度在理论研究和实践应用中逐渐成为关注焦点,发挥着维护信用主体合法权益、鼓励重塑信用、激发市场活力的积极作用。通过系统梳理信用修复的概念和信用修复的制度探索,厘清了当前社会信用体系建设中的信用修复规范,并从信用修复的方式、主体、客体和程序方面对信用修复机理进行了阐述;以市场监管领域信用修复实践作为切入点,对当前信用修复的实施现状和存在问题进行系统分析,并给出了加强信用修复机制建设的措施建议。

环境污染责任保险与企业高质量审计需求——基于保险公司监督视角的经验证据

在绿色高质量发展时代背景下,发展环境污染责任保险,对强化企业环保履责、降低企业因受环保处罚引致的经营风险具有重要意义。本文从保险公司监督视角实证检验了环境污染责任保险对企业高质量审计需求的影响。研究发现,环境污染责任保险提升了投保企业高质量审计需求,保险公司的高质量信息需求、专业监督能力需求是导致投保企业高质量审计需求增加的主要传导机制;异质性检验发现,在国有企业、内部治理水平较低的企业和受到更多媒体负面报道的企业中,环境污染责任保险对高质量审计需求的影响更加显著;经济后果检验发现,投保企业通过提高高质量审计需求改善了企业环境表现。研究结论对于进一步推进资本市场审计制度完善和环境污染责任保险发展具有一定的政策启示。

监察法规的法律属性、位阶与规制——基于《立法法》第118条的学理阐释

2023年新修订的《立法法》在“附则”中对国家监察委员会监察法规的制定和备案作出了规定,但监察法规的法律属性、效力位阶及备案审查程序等问题则未具体展开。在中国宪制框架下,监察法规是中国特色社会主义法律体系的重要组成部分,也是监察法律法规体系中的重要内容。通过国家法规体系内部比较发现,监察法规是中国立法体制中的一种新型法规形式,其位阶应与行政法规、军事法规相当。加强对监察法规的法律规制,是深化国家监察体制改革和全面推进依法治国的重要之举,其具体规制路径是以监察法规的制定、实施、监督为着力点,修正《监察法》《立法法》相关条款,制定《监察立法工作条例》,健全新时代中国特色监察法律法规体系。

医院管理建设中智慧医保的SWOT分析

采用SWOT分析智慧医保在医院建设中的优势、劣势、机遇和威胁,了解智慧医保对于医院医保建设的影响,为医院医保精细化管理和便捷医保服务提供参考。依托信息平台给医院建设智慧医保服务和医保基金监管带来机遇,同时给医院医保“粗放型管理”转换为“精细化管理”带来挑战。医疗机构需牢牢抓住时代趋势,依靠自身优势以及信息技术的加持,不断加强医疗实力同时,注重智慧医保的机遇与威胁。医疗机构在享受智慧医保带来福利的同时,也要通过智慧医保更规范医院医保基金监管,通过优化信息系统让患者在实处体验到智慧医保带来的便民服务。

长期护理保险经办服务与监督管理的国内外实践与启示

长期护理保险试点启动至今已有8年,如何推动其由点及面、全面施行是值得探究的现实问题。本文通过分析长期护理保险经办服务与监督管理的国内实践现状发现,当前存在政策覆盖范围不足、监管体系不充分以及现有护理资源供给不足等问题。因此,借鉴国外实践经验,从建立第三方监管机制、制定科学评定标准、促进政府跨部门协作与信息共享、强化人员技能培养等方面提出政策建议,以期为建立适应我国国情的长期护理保险制度提供启示。

我国智能投顾行政规制路径转变之思考

智能投顾是一项深具金融科技代表性的金融服务,随着依托银行业金融机构的相关业务暂停服务,服务平台全部被叫停。从行政监管角度分析,“机构”监管模式不适应智能投顾发展,“命令-控制”监管形式下法律监管制度滞后,“确定性”规则的适用限缩智能投顾功能。国家机构改革完成了智能投顾行政规制路径转变的第一步,通过从“机构”监管到“功能”监管等综合性监管方向的转变,“命令-控制”型到“实验”型规制形式的转变,“确定性”规则到“包容性”原则规范理念的转变,进一步为完善智能投顾行政规制路径转变提供新思路。