Content of Insurance and Security in our journal

Published in last 1 year |  In last 2 years |  In last 3 years |  All Please wait a minute... For Selected: Download Citations EndNote Ris BibTeX Toggle Thumbnails Select Regional Differences, Distribution and Dynamic Evolution of Agricultural Insurance Development in China: From the Perspective of High-Quality Development Wang Ru-yi, Tao Jian-ping, He Juan Journal of Jiangxi University of Finance and Economics    2025, 0 (4): 48-60.   Abstract （3）            Knowledge map    Save Based on the horizontal indicator system, the high-quality development level of agricultural insurance in 30 provinces from 2008 to 2021 is measured, and the regional differences, spatial structural changes, and dynamic evolution characteristics of China’s high-quality development level of agricultural insurance are revealed by using Dagum Gini coefficient, Kernel density function estimation, traditional Markov chain and spatial Markov chain. The findings show that the high-quality development level of agricultural insurance in China is steadily increasing, with the western region experiencing a faster growth rate of 0.5% per year. The regional differences in the high-quality development level of agricultural insurance in China are showing a downward trend, with regional differences and hyperdensity being the main reasons for regional differences, the contribution rate of both being over 66%. There is a phenomenon of “club convergence” in the development of agricultural insurance in China, and the development of agricultural insurance in various provinces has significant spatial spillover effects. The probability of regional agricultural insurance achieving “leapfrog” development is less than 3%. The “Matthew effect” of China’s future agricultural insurance development is showing a continuous weakening trend and is gathering towards a high-level development level. Therefore, it is necessary to adapt measures to local conditions, improve differentiated development policies for agricultural insurance, establish a multi-level and high guarantee agricultural insurance product system, vigorously promote the development of local advantageous and characteristic agricultural insurance businesses, promote balanced development of regional agricultural insurance, and continuously enhance the endogenous development momentum of agricultural insurance. Reference | Related Articles | Metrics | Comments（0） Select Research on the National Pension System Connecting Resident Pension and Employee Pension to Promote National Pension Security Gao Kai, Hu Qiu-ming Journal of Jiangxi University of Finance and Economics    2025, 0 (4): 61-74.   Abstract （7）            Knowledge map    Save Based on the structural problems and reform directions of China’s present multi-level pension insurance, it is believed that the national annuity system can find a perfect balance between the stock reform and incremental reform of the basic pension insurance system integration. Comparing the differences between the supplementary national pension system and the welfare based national pension system, in the future, China’s national pension system should implement a welfare based national pension system, committed to providing compulsory and income independent universal pension security for all citizens. By establishing actuarial models and conducting numerical simulations, it is found that the construction of the national pension system can achieve the goal of promoting the integration of urban and rural basic pension insurance systems, covering basic pension security to the whole population, and promoting government financial support to reduce costs and improve efficiency. In addition, the national pension system also helps to solve the problem of pension security for flexible employment groups, narrow the gap between urban and rural pension insurance benefits, provide more efficient pension support models for government finance, and promote a more fair and sustainable development of a multi-level pension insurance system. Reference | Related Articles | Metrics | Comments（0） Select The Impact of Contracted Family Doctor Services on the Health of Older Adults: The Latest Evidences from CLASS Ma Qi-feng, Sun Ke-xin, Xie Li-li Journal of Jiangxi University of Finance and Economics    2025, 0 (3): 50-62.   Abstract （3）            Knowledge map    Save Based on the data from the 2023 China Longitudinal Aging Social Survey (CLASS), this study empirically examines the impact of family doctor contract services on the health of the elderly, and analyzes its mechanism of action and differences in the impact. The findings show that family doctor contract services can effectively promote the physical health of elderly people, but do not significantly improve their mental and social health. The mechanism analysis reveals that family doctor contract services mainly function through two pathways: Improving health behaviors in later life and promoting the utilization of health services. The heterogeneity analysis reveals that the older people with registered residence in cities and towns, with more chronic diseases, with poorer self-care ability, and having access to the Internet can obtain more health performance after receiving the services signed by family doctors; and the elderly with higher service satisfaction will also obtain more health performance. Based on this, in order to further improve the health performance of family doctor contract services among the elderly population, it is suggested that the future related work should be promoted from four aspects: Expanding service supply, strengthening service links, optimizing service structure, and strengthening service supervision. Reference | Related Articles | Metrics | Comments（0） Select The Social Insurance System for Platform Workers: International Experience and China’s Path Qiu Yi-yi Journal of Jiangxi University of Finance and Economics    2025, 0 (3): 63-72.   Abstract （3）            Knowledge map    Save The social insurance system for platform workers has not been fully developed with the expansion of the platform economy, and the resulting lack of rights and interests has attracted widespread attention and various explorations at the level of legislative practice in various countries. China also faces this kind of challenge. For this reason, it is necessary to systematically analyze and summarize the international community’s various institutional explorations on the issue of social insurance for platform workers from an international perspective. This paper selects four representative policies or legislative models for an in-depth analysis. On the basis of summarizing the common international experiences and dilemmas, and by comprehensively sorting out the current situation of the social insurance system for platform workers, this study puts forward optimization proposals for the construction of China’s social insurance system for platform workers, including making reference to the “delinking model of social insurance and labor relations”, clarifying the demands of social insurance participants, innovating the content of the social insurance system and improving the legal system and supervision mechanism. Reference | Related Articles | Metrics | Comments（0） Select Research on Optimization of Fiscal and Tax Support Policies for Personal Pension under the Background of Financial Power Xu Ding, Yang Zai-gui Journal of Jiangxi University of Finance and Economics    2025, 0 (2): 47-56.   Abstract （141）            Knowledge map    Save On the basis of constructing an actuarial model for tax saving benefits, a comprehensive financial and tax support scheme for personal pension is proposed based on the concept of negative income tax, which is combined with fiscal subsidy policies. Under fairness conditions, this paper calculates the payment subsidy ratio and total financial and tax support for different income groups. The findings show that when the payment amount is the same, tax savings increase with the increase of individual income tax levels; at the same level of personal income tax, tax savings increase with the increase of payment amount. Under the condition of fairness, the proportion of financial subsidies for individual contributions ranges from 15% to 45%, and the proportion of contribution subsidies to the total financial and tax support ranges from 22% to 65%. Therefore, it is necessary to combine the personal pension tax deferred preferential policy with the differentiated financial contribution subsidy policies, improve the capital market infrastructure system that is suitable for long-term investments such as personal pensions, moderately increase the upper limit of payment amount according to the level of economic development, strengthen the publicity and promotion of personal pension funds and financial services, steadily and orderly promote the gradual reform of delaying the statutory retirement age, and optimize the mechanism for emergency withdrawal of benefits. Reference | Related Articles | Metrics | Comments（0） Select An Analysis of the Effects of Social Long-Term Care Insurance on the Financial Vulnerability of Middle-Aged and Elderly Households Yan Yong, Jing Tao Journal of Jiangxi University of Finance and Economics    2025, 0 (2): 57-72.   Abstract （124）            Knowledge map    Save Based on the panel data from the China Elderly Care and Health Tracking Survey from 2011 to 2020, this paper adopts a multi period double difference model to evaluate the impact of social long-term care insurance on the financial vulnerability risk of middle-aged and elderly households. The findings show that social long-term care insurance can significantly improve the financial vulnerability of middle-aged and elderly families, reducing the probability of financial vulnerability of those families by 2.6%. The impact of social long-term care insurance on the financial vulnerability of middle-aged and elderly families varies by region, health status, and income level. Social long-term care insurance can effectively alleviate the financial vulnerability of middle-aged and elderly families through three ways: reducing medical burden, increasing family labor participation rate, and improving living expectations. Based on this, it is suggested to further expand the coverage of social long-term care insurance on the basis of the pilot projects in the early stage. While promoting the “family participation+social security” service model, it is also necessary to enhance the risk management awareness of the family members and gradually build an insurance mechanism that adapts to social progress and the economic affordability of all parties. Reference | Related Articles | Metrics | Comments（0） Select Investigation and Analysis of the Boost Effect of Agricultural Insurance Technology on Inclusive Insurance Yu Xing-ran, Jin Fei, Su Fang Journal of Jiangxi University of Finance and Economics    2025, 0 (1): 48-61.   Abstract （34）            Knowledge map    Save Based on the data of a thousand villages survey conducted by Shanghai University of Finance and Economics in 2023, this paper analyzes the development of the inclusive insurance and other commercial insurance in rural areas, as well as the development of agricultural insurance technology and Internet insurance, then it verifies the boost effect of agricultural insurance technology on inclusive insurance and other commercial insurance by using empirical analysis method. The findings show that agricultural insurance technology plays a significant role in promoting the inclusive insurance, and also has a significant incentive role for rural residents to buy commercial pension insurance in the future. Specifically, agricultural insurance technology has played a positive role in promoting the inclusive insurance by improving the operating efficiency of insurance companies and farmers' satisfaction with insurance. The research conclusions provide a new idea for vigorously developing rural inclusive insurance, enhance the role of promoting inclusive insurance by developing insurance technology, and then radiate the healthy and rapid development of rural commercial insurance, so as to improve the level of farmers' security. Reference | Related Articles | Metrics | Comments（0） Select Research on the Construction of Adjustment Mechanism for Basic Pension Benefits of Urban and Rural Residents: Simulative Calculation Based on Guangdong Province Zhu Huo-yun Journal of Jiangxi University of Finance and Economics    2025, 0 (1): 62-73.   Abstract （121）            Knowledge map    Save Based on relevant national policies and practical experience at home and abroad, and guided by the principles of stability, adequacy, fairness, affordability, and incentives, this paper constructs an automatic adjustment mechanism for basic pension benefits of urban and rural residents' basic pension insurance, which consists of a trigger mechanism, a fairness mechanism, a constraint mechanism, and a fallback mechanism. It also uses the management data from Guangdong Province and the system dynamics method to simulate and calculate the adjustment status of the basic pension benefits from 2023 to 2035. The simulation results indicate that the constructed compensation adjustment mechanism takes into account the adequacy of compensation, income equity, and fiscal affordability. On this basis, specific policy recommendations are proposed from the aspects of design principles, institutional structure, incentive mechanisms, and fiscal responsibility division, providing useful reference for other regions and even the whole country to establish a mechanism for adjusting the basic pension benefits of urban and rural residents. Reference | Related Articles | Metrics | Comments（0） Select High-Quality Development of Basic Medical Security: Evaluation, Path and Discussion ZHANG Qian, HU Hong-wei Journal of Jiangxi University of Finance and Economics    2024, 0 (6): 50-60.   Abstract （98）            Knowledge map    Save Based on the development goals of the 14th Five Year Plan, a high-quality development model for the basic medical security is constructed. Taking 31 provinces as cases and combining a qualitative comparative analysis (QCA), this paper explores the path to achieve high-quality development of basic medical security. Finally, two implementation paths are obtained, namely the 5-dimensional linkage type and the 4-dimensional linkage type. The findings show that the high-quality development of basic medical security is influenced by the synergistic effects of multiple dimensions and variables. Moderate security, strengthened legislation, online services, and collaborative security are necessary conditions for promoting high-quality development. At present, there are relatively fewer provinces that have reached a high-quality development level, and there is a lack of policy settings and practices related to security dimensions. It is recommended to refer to the two linkage paths and draw on the successful experiences of the provinces with high-quality development, formulate flexible policy combinations according to local conditions, take moderate security, strengthened legislation, network services, and ensured coordination as the top priority, improve security dimensions, and attach importance to fund security and data security. Reference | Related Articles | Metrics | Comments（0） Select Research on the Prediction of the Balance of Urban and Rural Residents’ Basic Endowment Insurance Fund under the Grey Markov Chain Combined Model: Taking Fujian Province as an Example XU Yan Journal of Jiangxi University of Finance and Economics    2024, 0 (6): 61-74.   Abstract （386）            Knowledge map    Save Based on the related data from the China Statistical Yearbook (2012-2023), this study conducts an analysis of the income and expenditure of the urban and rural resident pension insurance fund and the status of insured population in Fujian Province. The findings reveal that the expenditure risk of the urban and rural resident pension insurance fund in Fujian Province is relatively higher, and the per capita benefit level has remained below the national average. Despite the overall aging level of Fujian Province’s population being lower than the national level, its aging degree of the insured population in the urban and rural resident pension insurance is higher than the national average, indicating that the urban and rural resident pension insurance in Fujian is facing the risk of“systemic aging.”Furthermore, by applying the Grey-Markov combined model, it forecasts and analyzes the financial income and expenditure of the urban and rural resident pension insurance fund in Fujian Province, the results show that the current fund income and expenditure are still in a surplus state, but the current surplus rate is declining. This suggests that Fujian’s urban and rural resident pension insurance may face the risk of insufficient funds to cover the expenditures in the future. Therefore, it is recommended that the relevant departments strengthen the management of fund income and expenditure, strive to improve the level of fund income, continuously observe the trend of changes in the number of insured persons, adjust strategies in a timely manner to adapt to changes in population structure, effectively prevent and control the risk of fund income and expenditure imbalance, and ensure the sustainable development of the basic pension insurance system for urban and rural residents in Fujian Province. Reference | Related Articles | Metrics | Comments（0）