20190131【充实计划】第968期

昨天阅读2小时，累计阅读114小时

充实每一天 发表于 2019-1-31 05:21
【加入充实计划】【了解充实计划】
|新充实挑战|    |每日计划清单|
| 【充实积累】| |【充实挑战项目】| ...

昨日阅读2小时，累计阅读1070小时。

昨日阅读1小时，累计阅读167小时.

昨天阅读1小时，累计阅读385小时

昨天阅读2小时, 累计阅读230小时
阅读2小时-O Done.  完成

Material: Michael E.Porter ‘s paper named a Strategy for Health Care Reform- toward a value based system issued in Jul.09,2009 the New England Journal of Medicine.
Reflection: what we need now is a clear national comprehensive vision for the kind of health care system we want to achieve and a path for getting there. The central focus shall be increasing value for patients –the health outcomes achieved per dollar spent. Good outcomes that are achieved efficiently are the goal, not the false savings from cost shifting and restricted service. The only way to truly contain costs in health care is to improve outcomes: in a value-based system, achieving and maintaining good health is inherently less costly than dealing with poor health. True reform will require both moving toward universal insurance coverage and restructuring the care delivery system. How can we achieve universal coverage in a way that will support, rather than impede, a fundamental reorientation of the delivery system around value for patients? There are several critical steps. First, we must change the nature of health insurance competition. We must introduce regulation to end coverage and price discrimination based on health risks or existing health problems. In addition, health plan shall be required to measure and report their subscriber’s health outcomes, starting with a group of important medical conditions. Second, we must keep employers in the insurance system; third, we need to address the unfair burden on people who has no access to employers-based coverage who therefore face higher premiums and greater difficulty on securing coverage. Fourth, to make individual insurance affordable, we need large statewide or multistate insurance pools, fifth, income-based subsidies will be needed to help lower income people to buy insurance, finally once a value-based insurance market had been established, everyone must be required to purchase the insurance so that young and healthier people could not opt out. For restructuring the delivery system where most of the value is created and most of the costs are incurred. First, measurement and dissemination of health outcomes shall become mandatory for every provider and every medical conditions. Second, we need to radically reexamine how to organize the delivery of prevention, wellness, screening and routine health maintenance services. Third, we need to reorganize care delivery around medical condition. Fourth, we need a reimbursement system that aligns everyone’s interests around improving value for patients. Fifth, we must expect and require providers to compete for patients, based on value at the medical-condition level, both within and across state borders. Sixth, electronic medical records will enable value improvement, but only if they support integrated care and outcome measurement. Finally consumers must become much more involved in their health and health care. Michael port did not mention why this is the right strategy.

昨日阅读时间1小时，总阅读时间100小时

充实每一天 发表于 2019-1-31 05:21
【加入充实计划】【了解充实计划】
|新充实挑战|    |每日计划清单|
| 【充实积累】| |【充实挑战项目】| ...

昨日阅读1小时，累计阅读132小时

昨日阅读2小时，累计阅读682小时

昨日阅读1小时，累计阅读114小时。继续读《生态文明中的生态原理》，倡导生态文明，实施环境保护。读生态文明专著，听了关于生态文明的报告，对生态文明也有一些了解。有人把生态文明当做环境保护升级版，这也涉及到环境保护和经济发展的关系，也就是总书记说的“绿水青山”与“金山银山”之间的关系。过去，我们为了追求金山银山，不得不牺牲绿水青山，在获得经济社会发展和改善人民生活的同时，却在生态环境上跌入低谷，出现比较严重的生态损害和环境污染。可以说，绿水青山与金山银山这种此消彼长的关系，是历史上所有工业化国家都出现过的挑战，我国也没有幸免。

1、链接：https://wallstreetcn.com/articles/3477900

2、摘录：近年来，银行业的不良率一直颇受市场关注。去年年初开始，银保监会（原银监会）更是直接把整治不良资产行业乱象作为监管重点。而2019年的首张罚单便是剑指不良资产。

1月2日，中国银保监会网站公布了海南银保监局对中国长城资产管理股份有限公司海南省分公司的行政处罚决定书（琼银保监筹〔2018〕211号）。

决定书显示，中国长城资产管理股份有限公司（以下简称“长城资管”）海南省分公司存在非金不良收购尽职调查严重不尽职的违法违规事实。海南银保监局依据《中华人民共和国银行业监督管理法》第四十六条，对其处以30万元罚款。

无独有偶，1月10日，长城资管的天津市分公司又因违规处置内生不良资产、掩盖风险，严重违反审慎经营规则，被罚50万元。

除了长城资管外，同为四大AMC的中国华融资产管理股份有限公司（以下简称“华融资管”）也因违规掩盖不良资产被罚。

罚单显示，华融资管深圳市分公司因超授权违规经营，业务及会计记录缺失，违规掩盖内生不良，被罚150万元。与此同时，该公司还因与债权出让方的关联企业违规约定保底清收条款，未实现资产真实转移，违反了《中华人民共和国银行业监督管理法》第四十六条，被罚50万元。

加大对资管公司不良资产处置监管的同时，监管方还重点关注银行五级贷款的分类。今年以来，已有多家银行因贷款五级分类不准确被罚。

最大罚单涉“资管乱象”
资管业务方面也是乱象频出。罚单显示，今年以来，罚款数额最大的一张罚单便和资管行业乱象有关。

该罚单显示，华润深国投信托有限公司（以下简称“深国投“）因房地产开发二级资质审查不符合要求，未正确填报政府融资平台业务报表，合格投资者穿透审核不符合要求，个人理财资金投资信托劣后受益权，协助保险资金投资于通道类信托计划，违规代持保险资产管理公司股权等多项案由，被罚没610万元。

3、感悟：资管乱象虽然在一定程度上可以盘活资产，但是其后果及影响程度很难得到控制，为了控制住系统性风险，从源头上控制风险，央行开始控制资产乱象。

4、昨日阅读：0.5小时。

5、总阅读时间：8小时。