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1.
本文以政策性作物保险定价研究为对象,主要研究两个问题。通过纯费率的厘定原理和方法来构建一个定价模型,构建生存函数来了解保险方案中保险人潜在风险。 相似文献
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随着油田开采难度的增大,吨油成本也逐年增加。因此,加强价格监督,降低采购价格风险成为油田可持续发展的关键措施之一。特别是油田公司与管理局分开分立以来,物资采购与服务采购中逐渐凸现出了价格管理不规范和价格偏高的问题,加强价格监督管理尤为必要。针对这种情况,价格管理实行专业化、流程化、公开化和自动化,专业化:采购与定价分开,价格由专门的组织管理。流程化:在制定实施价格管理制度,编制实施价格管理流程。公开化:集体定价,网上公布,并实施对定价行为的监督。自动化:编制使用计算机软件系统审核结算价格,大幅度减轻手工核对工作量。这种由价格管理部门的价格管理岗进行市场调查准备参考信息,由价格专业会议定价,由采购部门的结算岗按照网上价格付款,由价格管理部门的价格管理岗或使用单位的稽核岗核对发票价格是否与网上价格相符的管理模式,在把握市场行情、定价、结算付款和入帐核算几个关键环节规范了价格管理,降低了采购价格,规避了采购价格风险,为全厂投资回报率逐年提高及上缴利润逐年增加做出了积极贡献。 相似文献
3.
要从根本上防范重复保险的行为,应从保险人的角度出发。保险人应从展业、承保、理赔三个环节控制重复保险,防范道德风险。首先在展业时,宣传保险知识,向客户说明重复保险的含义及其害处。其次是在承保、理赔中,在各保险人之间通过网络建立重复保险管理信息系统,充分利用现代计算机技术和软件技术来有效的防范重复保险。 相似文献
4.
假定股票价格随机变化过程服从分数布朗运动,考虑以此股票为标的牛式、熊武、碟武三种欧式价差期权的定价.分数布朗运动不是鞅,不能用风险中性估值法给期权定价.该文采用的保险精算定价方法中的特殊随机积分定义,研究这种特殊的随机过程,在此基础上推导出期权价格的解析公式.价差期权的本质是用多个相同类型的期权的一种交易策略,结果表明价差期权的价格公式也可以由其组成期权的价格公式组合而成. 相似文献
5.
在签订保险合同的实务中对风险进行评估应该是保险人的基本责任,但由于保险标的具有复杂性和多样性,且其通常置于投保人的控制下,因此,要求保险人对所有保险标的有深入细致的了解,基本上是不可能的。况且,会把大量的费用转嫁给投保人。因此,当保险合同订立时,有赖于投保人的充分协作,对于危险事实据实告知,使保险人据以确定保险标的危险状况。于是保险法规定了投保人的如实告知义务,如实告知义务不但与保险人利害攸关,而且对般保人权益亦有很大影响。纵观整个保险法,如实告知义务制度之设立具有举足轻重的重要作用和意义。 相似文献
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保险诚信是威胁保险业生存乃至政府诚信和社会诚信的重要因素：诚信原则是保险经营的重要原则,保险诚信首先要求保险人做到最大诚信,最大诚信是保险人的道德准则：诚信是投保人和被保险人的基本法律准则和行事规范;要建立保险当事方的互信机制,促成良性互动。 相似文献
8.
《科技通报》2017,(6)
针对标准Black-Scholes模型(简称BS模型)在最优资产和消费组合模型的应用中表现出定价精确性不高的问题,本文提出了一种基于效应函数优化Black-Scholes模型的投资组合模型,首先令价格的运动变化过程趋向几何布朗运动,对期权回报率参数进行优化,然后为了得到一个平衡期权的定价,引入三个正回报概率,采用效应函数这个三个概率进行优化,最后分别对价格大于均衡价格、价格等于均衡价格和价格小于均衡价格三种情况下的BS模型的参数进行误差修正。仿真试验结果表明,本文提出的基于效应函数优化Black-Scholes模型的投资组合模型相比较标准BS模型,具有更高的定价精确性。 相似文献
9.
完整的保险市场应由投保人、保险人、再保险人和保险中介组成,没有保险中介的保险市场是一个不完整、不成熟的市场。从世界保险业的发展来看,保险专业中介市场的建立和发展,对保险业的发展发挥了积极作用。然而我国保险公司“大一统”的经营模式,严重制约了我国保险业和保险中介业的发展。因此,本文从分析我国保险中介市场的发展现状和存在的问题着手,并研究国外的保险中介模式和发展情况,从而为我国保险中介市场的发展和完善提出一些建议。 相似文献
10.
保险理赔存在的问题及分析 总被引：1，自引：0，他引：1
保险理赔是保险公司经营的重要环节,文章探讨了保险"理赔难"的原因,从保监会、投保人和保险人以及行业发展的方向等方面入手,对解决保险"理赔难"问题,进一步提高保险理赔效率进行了思考。 相似文献
11.
A research group led by Prof. ZHAI Qiwei from the Institute for Nutritional Sciences under the CAS Shanghai Institutes for Biological Sciences has discovered that even relatively low doses of resveratrol-a chemical found in the skins of red grapes in red wine-can improve the sensitivity of mice to the hormone insulin according to a report in the October issue of Cell Metabolism.…… 《中国科学院院刊(英文版)》2008,22(1):14-15
Aresearch group led by Prof. ZHAI Qiwei from the Institute for Nutritional Sciences under the CAS Shanghai Institutes for Biological Sciences has discovered that even relatively low doses of resveratrol--a chemical found in the skins of red grapes and in red wine--can improve the sensitivity of mice to the hormone insulin, according to a report in the October,2007 issue of Cell Metabolism. As insulin resistance is often characterized as the most critical factor contributing to the development of Type 2 diabetes, the findings“provide a potential new therapeutic approach for preventing or treating” both conditions, the researchers said. 相似文献
12.
《中国科学院院刊(英文版)》2008,22(1):2-3
CAS should stick to the principle of rendering service to, and giving impetus for, the development of China＇s science enterprise by making S＆T innovations, said CAS President LU Yongxiang. The CAS president made the remarks in a recent talk to communicate the gist of the winter session of the Party＇s Leading-member Group at CAS, which was held from 7 to 11 January in Beijing. 相似文献
13.
Marjorie Armstrong-Stassen Margaret Landstrom Ramona Lumpkin 《The Information Society》1998,14(2):153-164
This study examined how students who had no prior experience with videoconferencing would react to the use of videoconferencing as an instructional medium. Students enrolled in seven different courses completed a questionnaire at the beginning of the semester and again at the end of the semester. Students at the origination and remote sites did not differ in their reactions toward videoconferencing but there was a significant difference for gender. Women reacted less favorably to videoconferencing. Compared to the beginning of the semester, students reported significantly less positive attitudes toward taking a course through videoconferencing at the end of the semester. There were no significant differences in students' attitudes toward videoconferencing across courses at the beginning of the semester but there were significant differences across the courses at the end of the semester. The results suggest the need for better preparation for both students and instructors. 相似文献
14.
《中国科学院院刊(英文版)》2008,22(1)
With great care, Dr. ZHOU Zhonghe takes out a package wrapped by cotton tissue from a drawer and says: "This is the gem of our collections: the fossil of a bird that lived 125 million years ago!" Then, pointing at a tiny mound, he explains: "Look, this is the claw and that is the head. It was in the egg shell and ready to hatch ... The species fell into a family of waterside inhabitants." 相似文献
15.
A joint study by Prof. ZHANG Zhibin from the CAS Institute of Zoology his co-workers from Norway US Swiss have indicated that historical outbreaks of migratory locusts in China were associated with cold spells suggesting that China's projected climate warming could decrease the pest's numbers. The study was published in Proceedings of the National Academy of Sciences on September .…… 《中国科学院院刊(英文版)》2008,22(1):6-7
Ajoint study by Prof. ZHANG Zhibin from the CAS Institute of Zoology and his co-workers from Norway, US and Swiss have indicated that historical outbreaks of migratory locusts in China were associated with cold spells, suggesting that China＇s projected climate warming could decrease the pest＇s numbers. The study was published in Proceedings of theNational Academy of Sciences on 17 September, 2007. 相似文献
16.
Caroline Haythornthwaite 《The Information Society》2001,17(3):211-226
A computer-mediated group is a complex entity whose members exchange many types of information via multiple means of communication in pursuit of goals specific to their environment. Over time, they coordinate technical features of media with locally enacted use to achieve a viable working arrangement. To explore this complex interaction, a case study is presented of the social networks of interactions and media use among members of a class of computer-supported distance learners. Results show how group structures associated with project teams dominated who communicated with whom, about what, and via which media over the term, and how media came to occupy their own communication niches: Webboard for diffuse class-wide communication; Internet Relay Chat more to named others but still for general communication across the class; and e-mail primarily for intrateam communication. Face-to-face interaction, occurring only during a short on-campus session, appears to have had a catalytic effect on social and emotional exchanges. Results suggest the need to structure exchanges to balance class-wide sharing of ideas with subgroup interactions that facilitate project completion, and to provide media that support these two modes of interaction. 相似文献
17.
Active biological molecules functional structures can be fabricated into a bio-mimetic system by using molecular assembly method. Such materials can be used for the drug delivery disease diagnosis therapy new nanodevice construction.…… 《中国科学院院刊(英文版)》2008,22(1):22-22
Active biological molecules and functional structures can be fabricated into a bio-mimetic system by using molecular assembly method. Such materials can be used for the drug delivery, disease diagnosis and therapy, and new nanodevice construction. 相似文献
18.
Electronic data interchange (EDI) provides means for interorganizational communication, creates network externalities, requires an advanced information technology (IT) infrastructure, and relies on standards. In the diffusion of such innovations, institutional involvement is imperative. Such institutions contain governmental agencies, national and global standardization organizations, local government, and nonprofit private organizations like industry associations. The last type of organizations we call intermediating institutions. They intermediate or coordinate ("inscribe") the activities of a group of would-be adopters. Unfortunately, little is known of how these organizations shape the EDI diffusion trajectory. In this article we examine one specific type of intermediating organizations?industry associations?and how they advanced the EDI diffusion process in the grocery sectors of Hong Kong, Denmark and Finland. We identify six institutional measures, placed into a matrix formed by the mode of involvement (influence vs. regulation) and the type of diffusion force (supply push vs. demand pull), that can be mobilized to further the EDI diffusion. Industry associations were found to be active users of all these measures to varying degrees. Their role was critical especially in knowledge building, knowledge deployment, and standard setting. Furthermore, institutional involvement varied due to policy and cultural contingencies and power dependencies. 相似文献
19.
Leah A. Lievrouw 《The Information Society》2000,16(2):155-159
This essay focuses on universal service and the Internet as means to support social and political participation. The emphasis on access to telecommunications systems in conventional approaches to universal service is contrasted with access to content. A model of the information environment is described that accounts for the roles of content and conduit, both of which are necessary conditions to achieve true access. A method is outlined for employing information indicators to observe or measure the information environment. 相似文献
20.
Puay Tang 《The Information Society》1998,14(1):19-31
The increasing prospects of digital piracy has prompted the perceived need by electronic publishers to adopt technical systems of protection, and governments to reform their copyright laws. This article is a preliminary study of the management of intellectual property by electronic publishers, defined as those involved in the production of online databases, and CD-ROMs. It focuses on three main issues: (1) how electronic publishers view the increasing threat of piracy; (2) the methods of protection employed to protect intellectual property in digital format; and (3) the importance of technological protection of intellectual property in electronic publications. The analysis is based on a sample of 23 UK electronic publishers. The interviews revealed an interesting assortment of protection methods and did not show that technological protection was a preferred way. Instead, the means of protection, in addition to copyright law, comprised niche markets, pricing, trust, bad publicity, and nontechnical and technical means. 相似文献