This article seeks to analyze the contradictions and recommendations to China＇s insurance industry in the context of low-growth and low interest market. Under the pressure caused by the contradictions between the sus...This article seeks to analyze the contradictions and recommendations to China＇s insurance industry in the context of low-growth and low interest market. Under the pressure caused by the contradictions between the sustainable growth in the insurance premium income and the low ROI, it is very important to solve these contradictions for maintaining a sustainable and steady growth in insurance industry, at the same time, it is also favorable to play a role as a social stabilizer as well as an economic booster for insurance industry. This paper can be divided into four parts： Part I analyzes the five basic characteristics of Chinese low-growth and low-interest insurance industry; part II elaborates the principal contradictions faced by Chinese low-growth and low-interest insurance industry; part III analyzes the development environment of Chinese insurance industry; part IV proposes the recommendations to solve these contradictions.展开更多
Electrocardiograms(ECGs)have the potential to be used as a reliable source of information for human identityrecognition due to their universality,portability,and unique and stable biological identification features.Th...Electrocardiograms(ECGs)have the potential to be used as a reliable source of information for human identityrecognition due to their universality,portability,and unique and stable biological identification features.This method enriches and refines existing biometric identification techniques,and is suitable for customer identity identification in the insurance industry.This article has the following objectives:1)to introduce biometric identification techniques commonly used in the insurance industry,including ECG biometric identification techniques,and their advantages;2)to discuss major aspects of ECG biometric identification techniques;3)to systematically review the most recent advances in ECG identification and extraction characteristics from research in China and other countries;4)to outline the technical aspects of using ECGs for recognizing client identity in the insurance industry;and 5)to discuss the future of ECGs in identity recognition.This article is aimed at further promoting the application of living personal ECG iden-tification techniques in the insurance industry,and extending it to areas including medical insurance,banking,justice,public security,military,government,enterprises,and other departments and areas in which identification is needed to promote social stability and national security.展开更多
A vehicle intelligent terminal is designed to collect vehicle state information and driver behavior information based on the application of Internet of Vehicle in the insurance industry, and data of 12 risk factors af...A vehicle intelligent terminal is designed to collect vehicle state information and driver behavior information based on the application of Internet of Vehicle in the insurance industry, and data of 12 risk factors affecting the traffic safety is extracted from the information. The Principal Component Analysis is improved and PCA based on the index significant priority is proposed, using which the data of risk factors is processed and 3 principal components are obtained as the pricing factor of the insurance industry.展开更多
The property insurance industry grows fast in China and it is necessary to further investigate the profitability of the Chinese property insurance industry.This study investigates the evolution and determinants of the...The property insurance industry grows fast in China and it is necessary to further investigate the profitability of the Chinese property insurance industry.This study investigates the evolution and determinants of the profitability of 53 Chinese property insurers during the year 2013-2017.Profitability is measured by profit ratio efficiency by data envelopment analysis(DEA)methodology and a profit ratio change index is applied to compare the performance of these insurers over different periods.Tobit regression models are used to investigate several influencing factors of profitability.The empirical results show the importance of proper arrangement of costs and revenues for an insurer and help to better understand the effect of firm size,age,and product specification on profitability.Some policy implications and suggestions are also proposed.展开更多
文摘This article seeks to analyze the contradictions and recommendations to China＇s insurance industry in the context of low-growth and low interest market. Under the pressure caused by the contradictions between the sustainable growth in the insurance premium income and the low ROI, it is very important to solve these contradictions for maintaining a sustainable and steady growth in insurance industry, at the same time, it is also favorable to play a role as a social stabilizer as well as an economic booster for insurance industry. This paper can be divided into four parts： Part I analyzes the five basic characteristics of Chinese low-growth and low-interest insurance industry; part II elaborates the principal contradictions faced by Chinese low-growth and low-interest insurance industry; part III analyzes the development environment of Chinese insurance industry; part IV proposes the recommendations to solve these contradictions.
基金This study was supported by grants from the Henan Medical Science and Technology Research Program Project(grant No.LHGJ20210390)Henan Medical Education Research Project(grant No.Wjlx2021308).
文摘Electrocardiograms(ECGs)have the potential to be used as a reliable source of information for human identityrecognition due to their universality,portability,and unique and stable biological identification features.This method enriches and refines existing biometric identification techniques,and is suitable for customer identity identification in the insurance industry.This article has the following objectives:1)to introduce biometric identification techniques commonly used in the insurance industry,including ECG biometric identification techniques,and their advantages;2)to discuss major aspects of ECG biometric identification techniques;3)to systematically review the most recent advances in ECG identification and extraction characteristics from research in China and other countries;4)to outline the technical aspects of using ECGs for recognizing client identity in the insurance industry;and 5)to discuss the future of ECGs in identity recognition.This article is aimed at further promoting the application of living personal ECG iden-tification techniques in the insurance industry,and extending it to areas including medical insurance,banking,justice,public security,military,government,enterprises,and other departments and areas in which identification is needed to promote social stability and national security.
基金Supported by National Natural Science Foundation of China (61370088)National Electronic Information Industry Development Fund Project of China (No.[2011]506)+1 种基金Topic of the Ministry of Education about Humanities and Social Sciences of China (No.12JDGC007)International Scientific and Technological Cooperation Projects of China (No.2012DFB10060)
文摘A vehicle intelligent terminal is designed to collect vehicle state information and driver behavior information based on the application of Internet of Vehicle in the insurance industry, and data of 12 risk factors affecting the traffic safety is extracted from the information. The Principal Component Analysis is improved and PCA based on the index significant priority is proposed, using which the data of risk factors is processed and 3 principal components are obtained as the pricing factor of the insurance industry.
基金the support of the National Natural Science Foundation of China(NO.71904185)the Institutes of Science and Development,Chinese Academy of Sciences(NO.Y9X1661Q01).
文摘The property insurance industry grows fast in China and it is necessary to further investigate the profitability of the Chinese property insurance industry.This study investigates the evolution and determinants of the profitability of 53 Chinese property insurers during the year 2013-2017.Profitability is measured by profit ratio efficiency by data envelopment analysis(DEA)methodology and a profit ratio change index is applied to compare the performance of these insurers over different periods.Tobit regression models are used to investigate several influencing factors of profitability.The empirical results show the importance of proper arrangement of costs and revenues for an insurer and help to better understand the effect of firm size,age,and product specification on profitability.Some policy implications and suggestions are also proposed.
