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简介：WhathappenedtoChina'sinsurancesectorthisyear?Aboveall,thisyearwasthefirstinthenewFive-YearPlanfortheStandardizationofChina'sInsur-ance(2007-2011).TheFive-YearPlan,releasedbackinFebruary,setsthefirststandardsfortheinsuranceindustry

简介：AvehicleintelligentterminalisdesignedtocollectvehiclestateinformationanddriverbehaviorinformationbasedontheapplicationofInternetofVehicleintheinsuranceindustry,anddataof12riskfactorsaffectingthetrafficsafetyisextractedfromtheinformation.ThePrincipalComponentAnalysisisimprovedandPCAbasedontheindexsignificantpriorityisproposed,usingwhichthedataofriskfactorsisprocessedand3principalcomponentsareobtainedasthepricingfactoroftheinsuranceindustry.

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简介：The21stcenturyisthecenturyofpopulationaging.Intheagingprocessofworldpopulationagestructure,populationaginginChinawillshowthecharacteristicsoffast,highlevelsandgeographicalimbalancebetweenurbanandruralarea.Thisgivesoutaproblemtoendowmentinsurancesystem.Thekeypointtosolvetheproblemistheinnovationtoendowmentinsurancesystem.Studiessuggestthatthefocusofinnovationinclude:Firstly,weshouldlocateanendowmentinsurancesystemaccuratelyanddeterminethedirectionofreformandinnovationclearly.Secondly,onthebasisofimprovinginstitutionalmechanismsregulatory,weshouldensuretoincreaseandsustainthevalueofpensions.expenditureandurbanization,whichaggravatestheimbalanceofpopulationandlandurbanization;thirdly,controllingofhouseholdregisteristheprimarycauseoftheslowdevelopmentofpopulationurbanization,however,looseningthispolicyandreformingtheinstitutionswillpromotethedevelopmentofurbanization;lastly,lengtheningtheuseperiodsoffarmlandisgoodforthecoordinativedevelopmentofurbanizationforits'guaranteeeffect',butaperfectmechanismoflandtransfershouldbetakenforthepremise.

简介：<正>ThoughtheexpansionofforeigninsurersinChinahasbeenchallenging,foreigninsurancecompaniesstillviewChinaasaveryattractivemarketaccordingtoarecentsurveybyPwC.ThesurveyshowsthatdespitethechallengesofpenetratingtheChinesemarket,foreigninsurancecompanies

简介：Internationallyearthquakeinsurance,likeallotherinsurance(fire,auto),adoptedactuarialapproachinthepast,whichis,basedonhistoricallossexperiencetodetermineinsurancerate.Duetothefactthatearthquakeisarareeventwithsevereconsequence,irrationaldeterminationofpremiumrateandlackofunderstandingscaleofpotentiallossledtomanyinsurancecompaniesinsolventafterNorthridgeearthquakein1994.Alongwithrecentadvancesinearthscience,computerscienceandengineering,computerizedlossestimationmethodologiesbasedonfirstprincipleshavebeendevelopedtothepointthatlossesfromdestructiveearthquakescanbequantifiedwithreasonableaccuracyusingscientificmodelingtechniques.ThispaperintendstointroducehowengineeringmodelscanassisttoquantifyearthquakeriskandhowinsuranceindustrycanusethisinformationtomanagetheirriskintheUnitedStatesandabroad.

简介：Insuranceistheimportantaspectoffinance.Ithasbeenfullydevelopedinthewesterndevelopedcountries.Withthefastdevelopmentofmarketeconomyinourcountry,itisnecessarytointroducethealienmoderntheoriesandtechniques,andatthesametime,adaptthemtoourconcretesituation.Themodelofgenerallifeinsuranceproductistobeestablishedinthispaper,includingdeferredlifeannuities,increasingwholelifeinsuranceandreturnablepremiums.Thenthroughtheregulationofvariousparameters,wecanobtainvariousinsuranceproducts.

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简介：Aninsurance-packageisacombinationbeingtie-inatleasttwodifferentcategoriesofinsuranceswithdifferentunderwriting-yield-rate.Inthispaper,theoptimalinsurance-packageandinvestmentproblemisinvestigatedbymaximizingtheinsurer’sexponentialutilityofterminalwealthtofindtheoptimalcombination-shareandinvestmentstrategy.Usingthemethodsofstochasticanalysisandstochasticoptimalcontrol,theHamilton-Jacobi-Bellman(HJB)equationsareestablished,theoptimalstrategyandthevaluefunctionareobtainedinclosedform.Bycomparingwithclassicalresults,itshowsthattheinsurance-packagecanenhancetheutilityofterminalwealth,meanwhile,reducetheinsurer’sclaimrisk.

简介：Mileage-basedpricinginsurance,suchasPAYD,isknownasthe'greeninsurance'becauseitislow-carbonandenvironmentallyeffective,whichisthebiggestinnovationintheglobalautoinsuranceindustryseeninthepastdecade.Startingfromtheperspectiveofeconomicexternalities,vehiclenegativeexternalitiesinChinaaredescribed.Inordertointroducemileage-basedpricinginsurancetotheChineseinsuranceindustry,thispaperreviewsthecurrentpracticeofPAYDinsuranceanditsimpactsontransportexternalities,includingairpollution,climatechange,energydependency,congestion,accidents,andothers.Finally,enlightenmentandpolicysuggestionsareproposed,inthehopeofbetterpromotingthelow-carboneconomydevelopmentoverthewholeofChina.

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简介：Overseasinvestmentinsuranceisanon-profitableinsur-anceprovidedbythegovernmentofastateforherenterpriseswhichhaveinvestedinthedevelopingcountriesorareasagainstpoliticalrisks.Suchagov-ernmentalguaranteesystemwasfirstestablishedintheUnitedStatesinthemiddleoflastcentury.NowadaysmostdevelopedcountriesandsomeofthedevelopingcountrieshavefollowedAmericanpracticesandsetupsimilarsystemstoencouragetheirenterprisestomakeinvestmentindevelopingareaswhichareoftenregardedtobemoreeasilytohavepoliticalrisks.Inrecent