Flood risk in South Africa remains a problem due to climate change,rapid urbanisation and persistent disparities in the region and low-income urban households are disproportionately impacted because of poor access to ...Flood risk in South Africa remains a problem due to climate change,rapid urbanisation and persistent disparities in the region and low-income urban households are disproportionately impacted because of poor access to affordable flood insurance.This paper constructs the Integrated Market Flood Risk Insurance Framework(IMFRIF)based on a qualitative,desk-based research design consisting of contextual policy analysis,systematic literature review and analytical synthesis through systems thinking.The policy and document analysis reviewed the legislation on national disaster management,insurance and industry reports to determine institutional and market limitations on the provision of flood insurance.A PRISMA-ScR systematic literature review filtered 312 records on Scopus,Web of Science,and Google Scholar,which led to the identification of 47 peer-reviewed articles and 15 policy and comparative case studies.Thematic analysis led to the identification of six prevail-ing clusters of barriers based on the influence on insurance uptake,which included affordability and product design,trust and risk perception,data and risk assessment gaps,regulatory capacity,multi-stakeholder coordi-nation,and community engagement.The results of these studies were used to design the IMFRIF,a system incorporating 9 major stakeholder groups and 5 interdependent system components into a single market-based design.The framework provides a systematic foundation to the resolution of systemic exclusion of flood insur-ance,but specifically acknowledges the implementation limitations regarding data availability,regulation ca-pacity,fiscal sustainability and communal level of trust.The IMFRIF is placed as a progressive and responsive system that offers a point of future empirical confirmation and policy implementation to promote inclusive disaster risk financing in South Africa and comparable low-and middle-income contexts.展开更多
基于中国知网与Web of Science两大核心数据库,系统检索2015—2024年涉及医保欺诈领域的相关文献,运用CiteSpace可视化分析软件对相关文献进行关键词共现、聚类等计量分析,探讨该领域研究热点和趋势。研究发现,近10年国内外关于医保欺...基于中国知网与Web of Science两大核心数据库,系统检索2015—2024年涉及医保欺诈领域的相关文献,运用CiteSpace可视化分析软件对相关文献进行关键词共现、聚类等计量分析,探讨该领域研究热点和趋势。研究发现,近10年国内外关于医保欺诈问题的研究热点主要围绕成因机制、识别技术、监管治理三个维度展开。数据驱动的智能化反欺诈技术研究和跨部门协同治理模式研究将推动医保欺诈研究从传统经验监管向智能检测、跨学科协同治理范式转型,未来应进一步加强跨学科理论整合,强化对技术伦理与协同治理的研究,并深化国际比较研究。展开更多
2025年5月,卡内基国际和平基金会(Carnegie Endowment for International Peace)发布报告《国际洪水保险框架比较研究:经验启示与利弊分析》1,对比了美国、比利时、法国、德国、荷兰、西班牙、瑞士和英国等8个国家的洪水风险管理模式,...2025年5月,卡内基国际和平基金会(Carnegie Endowment for International Peace)发布报告《国际洪水保险框架比较研究:经验启示与利弊分析》1,对比了美国、比利时、法国、德国、荷兰、西班牙、瑞士和英国等8个国家的洪水风险管理模式,分析了各国制度设计的核心差异与共性挑战。荷兰因其地理特性采取以预防为主的治理策略,其余国家构建了“私营保险+私营再保险”“私营保险+公共再保险”“政府保险+多元再保险”等三类保险模式。现行洪水保险面临风险定价不完善、风险转移公平性欠缺、风险责任与保险权利不匹配三大挑战。借鉴美国风险定价改革、荷兰源头防控、比利时保险捆绑销售、英国补贴退出机制等有益实践,报告建议建立精细化风险定价与动态激励体系,通过制度创新与科技赋能破解不公平难题,构建权责对等、多方协同的洪水治理框架。展开更多
文摘Flood risk in South Africa remains a problem due to climate change,rapid urbanisation and persistent disparities in the region and low-income urban households are disproportionately impacted because of poor access to affordable flood insurance.This paper constructs the Integrated Market Flood Risk Insurance Framework(IMFRIF)based on a qualitative,desk-based research design consisting of contextual policy analysis,systematic literature review and analytical synthesis through systems thinking.The policy and document analysis reviewed the legislation on national disaster management,insurance and industry reports to determine institutional and market limitations on the provision of flood insurance.A PRISMA-ScR systematic literature review filtered 312 records on Scopus,Web of Science,and Google Scholar,which led to the identification of 47 peer-reviewed articles and 15 policy and comparative case studies.Thematic analysis led to the identification of six prevail-ing clusters of barriers based on the influence on insurance uptake,which included affordability and product design,trust and risk perception,data and risk assessment gaps,regulatory capacity,multi-stakeholder coordi-nation,and community engagement.The results of these studies were used to design the IMFRIF,a system incorporating 9 major stakeholder groups and 5 interdependent system components into a single market-based design.The framework provides a systematic foundation to the resolution of systemic exclusion of flood insur-ance,but specifically acknowledges the implementation limitations regarding data availability,regulation ca-pacity,fiscal sustainability and communal level of trust.The IMFRIF is placed as a progressive and responsive system that offers a point of future empirical confirmation and policy implementation to promote inclusive disaster risk financing in South Africa and comparable low-and middle-income contexts.
文摘基于中国知网与Web of Science两大核心数据库,系统检索2015—2024年涉及医保欺诈领域的相关文献,运用CiteSpace可视化分析软件对相关文献进行关键词共现、聚类等计量分析,探讨该领域研究热点和趋势。研究发现,近10年国内外关于医保欺诈问题的研究热点主要围绕成因机制、识别技术、监管治理三个维度展开。数据驱动的智能化反欺诈技术研究和跨部门协同治理模式研究将推动医保欺诈研究从传统经验监管向智能检测、跨学科协同治理范式转型,未来应进一步加强跨学科理论整合,强化对技术伦理与协同治理的研究,并深化国际比较研究。
文摘2025年5月,卡内基国际和平基金会(Carnegie Endowment for International Peace)发布报告《国际洪水保险框架比较研究:经验启示与利弊分析》1,对比了美国、比利时、法国、德国、荷兰、西班牙、瑞士和英国等8个国家的洪水风险管理模式,分析了各国制度设计的核心差异与共性挑战。荷兰因其地理特性采取以预防为主的治理策略,其余国家构建了“私营保险+私营再保险”“私营保险+公共再保险”“政府保险+多元再保险”等三类保险模式。现行洪水保险面临风险定价不完善、风险转移公平性欠缺、风险责任与保险权利不匹配三大挑战。借鉴美国风险定价改革、荷兰源头防控、比利时保险捆绑销售、英国补贴退出机制等有益实践,报告建议建立精细化风险定价与动态激励体系,通过制度创新与科技赋能破解不公平难题,构建权责对等、多方协同的洪水治理框架。
