《保险理论与实践》2025年第7辑目录

Group 1 - Agricultural insurance plays a crucial role in food security, poverty alleviation, and rural revitalization, necessitating the enhancement of its productivity in the context of climate change and agricultural modernization [1] - Precision meteorological services are essential for improving agricultural risk management and production efficiency, but their high costs limit accessibility for small-scale farmers [1] - Combining precision meteorological services with agricultural insurance can significantly reduce agricultural production risks and enhance the effectiveness of the insurance system [1] Group 2 - High-standard farmland construction is vital for national food security and rural revitalization, with post-construction management quality being key to sustaining its functionality [2] - Several provinces have initiated pilot programs for high-standard farmland insurance, exploring market-based solutions for economic compensation and risk management [2] - Key issues in high-standard farmland insurance include insufficient policy support, the need for improved insurance schemes, and a lack of professional capabilities [2] Group 3 - The catastrophe bond market has evolved over nearly 30 years, becoming an integral part of the global reinsurance market, characterized by diversification and digitalization [3] - The paper analyzes the operational mechanisms, development stages, and challenges of catastrophe bonds, offering policy recommendations for the market's growth in China [3] Group 4 - The continuous growth of domestic insurance funds contrasts with the pressure on investment returns, creating opportunities for investment in strategic emerging industries [4][5] - Strategic emerging industries, supported by policies, present new avenues for insurance fund allocation, despite their inherent instability and "light asset" characteristics [5] - The paper discusses strategies for deep integration of insurance funds with emerging industries to enhance investment quality and support economic transformation [5] Group 5 - The integration of health insurance and health management is seen as a promising development, yet challenges such as value misalignment and quantifying health management outcomes persist [6] - Recommendations include incorporating preventive services into insurance claims, implementing guaranteed renewal mechanisms, and developing incentive-based health products [6] Group 6 - The rapid growth of medical insurance fund expenditures necessitates exploring avenues for preserving and increasing fund value [7] - Current limitations on fund interest rates and investment strategies hinder the potential for value growth, prompting suggestions for policy adjustments and investment operations [7] Group 7 - The dual-path model for seafarers' pension insurance faces challenges such as mismatched insurance types and structural imbalances in benefits [8] - The paper advocates for a sustainable contribution mechanism for seafarers within the employee pension insurance framework, addressing legal and practical barriers [8] Group 8 - The paper addresses practical issues surrounding the insurer's disclosure obligations in marine insurance, highlighting deficiencies in current legal regulations [9][10] - It proposes a restructuring of disclosure obligations and the establishment of a tiered disclosure system to enhance fairness and transparency in marine insurance contracts [10] Group 9 - The application of the principle of reasonable expectations in insurance law often leads to inconsistent judicial outcomes, necessitating a reevaluation of its interpretation [11] - The paper argues for a redefinition of the principle's application to improve its effectiveness in promoting economic efficiency and reducing information asymmetry [11] Group 10 - The rise in litigation cases related to professional liability insurance highlights the need for clearer regulations and optimized insurance practices [12] - The paper analyzes contentious points in insurance clauses and suggests improvements to enhance the operational framework of professional liability insurance [12]