Question 1: What is the operating mechanism of insurance? The content and transmission mechanism of China's macro-control tend to be complicated.

The reason why this round of macro-control attracts more attention than before has a lot to do with the development of economy and market. However, to deeply understand the significance of this round of regulation, it is necessary to review the past course. Since the Third Plenary Session of the 14th CPC Central Committee, the way of macro-control in China has changed from direct to indirect, the object of macro-control has changed from enterprises to the market, and the activities of macro-control have been concentrated in the central government. Under the unified coordination of the central government, a macro-control model was initially formed, with planning, taxation and financial departments as the mainstay and indirect means to regulate and guide market activities. The ability and level of macro-control have also reached a new level. At present, the reform and development has entered a new stage, and the new problems faced by the macro-control system are mainly: increased risks associated with fiscal and financial policies; The relationship between * * * and the market in macro-control has not been straightened out; The relationship between macro-control departments is not coordinated enough. In view of these problems, we should improve the foundation of macro-control through reform; Further straighten out the relationship within the macro-control system; Improve rules, strengthen supervision and speed up legislation. As soon as possible, macro-control activities will be brought into a standardized, orderly, legal and transparent track.

Main problems faced by China's macro-control system

First, the risks associated with macro-control measures have increased. With the change of economic development stage, the main goal of macro-control has shifted from controlling demand overheating and controlling inflation to * * * demand and eliminating deflation. Moderately change from tight fiscal policy to active fiscal policy. In recent years, the continuous issuance of construction treasury bonds and the maintenance of large-scale investment in treasury bonds have achieved positive results, while the fiscal deficit and debt scale have also increased. In addition, due to the lack of standardized and strict management and supervision of fiscal investment, the transparency is also low, and there is also a certain inefficiency in national debt investment, accompanied by a certain risk of capital recovery. Monetary policy has changed from moderately tight to steady. Because the financial system and supervision are still not perfect, the risk of non-performing loans is also increasing while expanding the money supply and increasing the credit supply. In addition, in the case of tight fiscal revenue and expenditure, some financial risks are shifting to banks. For example, the export tax rebate is used as collateral to obtain bank loan funds. Generally speaking, the current fiscal and monetary policies are accompanied by certain risks.

second, there is still too much administrative intervention in market activities. At present, there is still obvious color of administrative intervention in macro-control. Especially in recent years, when the market is cold, the direct participation of * * * in economic activities has increased, and the color of administrative intervention has also increased. First, the scale of * * * direct investment has expanded and lasted for a long time. * * * The department's regulation and control of investment focuses on project approval. Because of the asymmetry between investment decision-making and risk responsibility, the interests of decision-makers are not closely related to project benefits, which affects the investment effect. Second, there has been excessive intervention in some aspects. Such as improperly restricting market access, controlling market prices, restricting competition and protecting backwardness. Third, when the economy began to heat up, in order to prevent new overheating, some direct management methods such as quantity and scale control in credit funds and land leasing began to recover. However, some market adjustment measures, such as tax reduction and interest rate adjustment, are rarely used and the effect is not obvious. Generally speaking, there are still many administrative means and direct management methods in macro-control, and some economic means are not effective enough. The relationship between * * * and the market in macro-control needs to be further adjusted.

third, the relationship between macro-control departments is not coordinated. After two institutional reforms in 1998 and 23, the problems of overlapping institutions and unclear responsibilities of macro-control departments were alleviated, but they were not completely eradicated. The phenomenon of offside and absence in macro-control still exists to varying degrees. First, the coordination between fiscal policy and monetary policy is not enough. When implementing a proactive fiscal policy, it is difficult for monetary policy to cooperate in time because of the poor transmission mechanism; Some operational measures of monetary policy sometimes have a negative impact on the operation of fiscal policy. For example, the central bank's open market business leads to a decrease in the interest rate of national debt, which puts pressure on the issuance of fiscal national debt; Some operational measures of fiscal policy have increased the financial risks of banks, such as changing export tax rebates into bank mortgage loans. Second, some regulatory activities are not unified enough. For example, in budgeting, the capital construction investment budget and the public budget are set separately; Administrative fees and charges are managed by the Ministry of Finance, and standards are managed by other relevant departments. All these have formed the possibility of disconnection and management loopholes to a certain extent.

the direction of macro-control system reform

macro-control is an important function of * * *; The method and object of macro-control depend on the nature of economic system; Macro-control > >

Question 2: What is China's basic insurance system? To sum up from the specific practice of China's social insurance system at present, China's social insurance mainly includes the following five specific systems:

(1) Collection and payment system of social insurance premiums: The collection and payment system of social insurance premiums is a system specially established to standardize the collection and payment of social insurance premiums including basic old-age insurance premiums, basic medical insurance premiums and unemployment insurance premiums, strengthen the management of social insurance premiums and ensure the payment of social insurance premiums. This system is combined with specific social insurance types and independent of these specific systems. The establishment of social insurance premium collection system is the basic construction of China's social insurance system, which is of great significance for cultivating and promoting the establishment and development of various social insurance systems.

(2) Basic old-age insurance system: The basic old-age insurance system is a social security system established to ensure the basic livelihood of urban workers after retirement. The system mainly includes the collection of old-age insurance premiums, individual accounts of basic old-age insurance, old-age insurance benefits, the use of old-age insurance funds, supervision and management, etc.

(3) medical insurance system: the medical insurance system refers to a social insurance system established to ensure the basic medical care of urban workers and make rational use of medical resources. The system mainly includes coverage and payment methods, basic medical insurance funds and individual accounts, management and supervision mechanism of basic medical insurance funds, and management of medical service institutions.

(4) unemployment insurance system: the unemployment insurance system is a social security system established to ensure the basic livelihood of the unemployed during unemployment and promote their re-employment. This system mainly involves the establishment and management of unemployment insurance fund and unemployment insurance benefits.

(5) Work-related injury insurance system: Work-related injury insurance system is a social security system that guarantees the workers' right to medical treatment, economic compensation and vocational rehabilitation after suffering from accidents and occupational diseases at work, and disperses the risk of work-related injuries and promotes the prevention of work-related injuries. Including the scope and identification of work-related injuries, labor appraisal and disability assessment, work-related injury insurance benefits, establishment and management of work-related injury insurance funds, work-related injury prevention and vocational rehabilitation.

(6) maternity insurance system: maternity insurance system is a social security system established to safeguard the legitimate rights and interests of female workers and ensure that female workers get necessary economic compensation and medical care during childbirth.

question 3: the insurance market mechanism of the insurance market refers to the mutual restriction and interaction among the law of value, the law of supply and demand and the law of competition formed by generally applying the market mechanism to insurance economic activities. Under the condition of market economy, the connotation of insurance market is essentially market mechanism. 1. The role of the law of value in the insurance market. The spontaneous adjustment of the law of value to the insurance premium rate can only be limited to the socially necessary labor time condensed in the surcharge rate part of the premium rate, which has certain limitations in the formation of the value of insurance goods. Only by requiring insurance companies to improve their business technology and improve service efficiency can the cost of the surcharge rate be reduced. 2. The role of the law of supply and demand in the insurance market The formation of insurance rates in the insurance market depends on the frequency of risks on the one hand and the supply and demand of insurance commodities on the other. The premium rate in the insurance market is not completely determined by the supply and demand of the market, on the contrary, it should be established by special actuarial technology. 3. The role of competition law in the insurance market In the insurance market, because the object of transaction is directly related to the risk, the formation of the premium rate of insurance goods does not depend entirely on the comparison of supply and demand. On the contrary, the frequency of risk occurrence, that is, the loss rate of insured amount, is the main factor that determines the premium rate, and supply and demand are only a secondary factor in the formation of the premium rate. Therefore, the price competition mechanism in the general commodity market is bound to be limited to some extent in the insurance market.

question 4: what is the insurance company's sales system? Every insurance company has its own set of basic management methods for marketing behavior and marketing personnel, that is, management system, including sales system, which is called "Basic Law" in the industry.

for reference only, good luck!

question 5: what is the nature of the investment-linked insurance mechanism? The payment mechanism of investment-linked insurance has certain flexibility. In terms of design methods, there are two payment mechanisms for investment-linked insurance: one is to increase the insurance premium holiday on the basis of fixed payment, that is, to allow the insured not to pay according to the agreed date, but the policy is still valid, thus avoiding the effectiveness of the insurance contract because of the grace period exceeding 6 days. In addition, it also allows the insured to pay additional insurance premiums at any time in addition to the agreed insurance premiums, increasing the flexibility of the products. The other way is to cancel the concepts of payment period, payment frequency and payment amount, and the insured can pay any amount of insurance premium (with the minimum amount limit) at any time and enter the investment account according to the agreed calculation method. This method is the most flexible for customers, but it reduces the controllability and predictability of insurance companies' premium payment, and at the same time improves the requirements for internal operating systems.

question 6: how does the insurance mechanism spread risks with examples? Generally speaking, insurance is such a concept: everyone is for me and I am for everyone!

what do you mean?

Insurance products are purchased by a large number of people, with a large base, and the premium can form a scale

No matter whether it is commercial insurance or national basic insurance, there will be a probability formula to calculate the premium paid by the audience. For example, my insurance institution assumes that there are 1, people insured, and the probability of risk is fixed at about .5 per ten thousand. Then use the quota calculated by this formula to establish the premium of each person .. and the insured can cope with the unpredictable risk loss in the future at a relatively small price, so that the huge premium paid by the insured will be used to cover the risk loss of the insured, and the insurance institution will also have surplus funds to engage in some financial derivatives with low risk and stable yield. The return on investment will further consolidate the insurance institution's ability to cope with risks. In this way, the insurance institution will bear risks.

Question 7: Which of the following principles of modern insurance is used for social insurance? The law of life insurance and property insurance is applicable

Netizens said that insurance is the most important means for people to guard against risks, but due to the short and irregular development of China's insurance industry, there are more and more disputes over insurance contracts. In addition, due to the imperfect insurance legislation in China, it is difficult to resolve disputes after they arise. In order to properly handle such disputes, this paper makes a legal discussion on the problems related to insurance contracts encountered in the trial practice. (1) Validity of the insurance contract An insurance contract is the same as that stipulated in the contract law. "Effective" and "established" are two different concepts. The establishment of an insurance contract means that the parties to the contract reach an agreement on the main terms of the insurance contract; The entry into force of an insurance contract means that the terms of the contract have taken legal effect on both parties, requiring both parties to abide by the contract and fully perform their obligations under the contract. ① According to the principle of contract law, there are two relationships between the establishment and effectiveness of insurance contracts: First, once the contract is concluded ...

What category does the social security law belong to

Netizen said: Overview of the social security law

First, the definition of the social security law

An important aspect of a clear concept is that the connotation of the concept should be clear, and the main way to clarify the connotation of the concept is to define the concept. With regard to the concept of social security law, from the domestic writings on social security law, there are mainly the following definitions: (1) Social security law is the general name of the legal norms of high-speed social security relations; (2) Social security law is the general name of various legal norms formulated by the state to safeguard social stability and steady economic development, to ensure social security and steady economic development, and to ensure the basic needs of social members and the right to enjoy economic development; (3) Any legislation formulated according to social policies to protect the life safety of some people who need special assistance or to promote the welfare of the public is the social security law; (4) The social security law is to adjust the country and society as the main body, and to make sure that the workers and other social members who have difficulties, as well as special ...

I beg for a small paper on the social security system, with a self-determined topic and argument of about 3, words.

Netizen said: On the reform of China's social security system, the so-called social security means that social members temporarily or permanently lose their ability to work, lose their job opportunities, or their income cannot maintain the necessary living standard. As a distribution system of social security wealth, social security system is an important part of social property right system. Therefore, the reform of social security system is an important part of the reform of social property rights system. Moreover, the task of social security system reform is determined by the requirements of social and economic development and the change of property rights system. First, the basic characteristics and limitations of China's traditional social security system. The traditional social security system in China was formed in the decades from the founding of the People's Republic to the early days of reform and opening up. This kind of security system has the following three basic characteristics: first, social security is manifested as "unit" small social security. The so-called "unit" small social security is the "unit" where the security depends on itself or is being compiled. So ...

Why should we establish and improve the social security system?

The netizen said: Establishing and perfecting the social security system is an important part of establishing a socialist market economic system in China, which is of great significance to deepening the reform of the economic system, establishing a modern enterprise system and promoting the transformation of the functions of * * *. As the most important thing in the whole social security system, the direction and trend of the reform deserve our close attention and serious discussion. Progress and Challenges of China's Old-age Insurance System Reform In 1984, China carried out a pilot project to co-ordinate the retirement expenses of employees of state-owned enterprises and collective enterprises in some areas, and established a retirement pension fund for employees. Since 1986, the relevant departments of * * * have issued documents for many times, demanding the gradual establishment of a multi-level old-age insurance system combining basic old-age insurance, enterprise supplementary old-age insurance and personal savings old-age insurance, and implementing the three-way burden sharing among the state, enterprises and individuals.