Dissertationen zum Thema „Free payments“

Magistro baigiamąjį darbą sudaro: įvadas, 8 skyriai, 7 poskyriai. Darbo pabaigoje pateikiamos išvados ir rekomendacijos, naudotos literatūros sąrašas, santrauka lietuvių ir anglų kalba bei priedai. Darbo uždaviniai: - išnagrinėti įstatymus ir kitus teisės aktus, reglamentuojančius mokamas medicinines paslaugas; - apžvelgti vaistų kompensavimo tvarką; - ištirti, kokios medicininės paslaugos, kiek jų teikiama ir kaip kinta jų apimtys dviejose Vilniaus ligoninėse; - išsiaiškinti atskirų grupių žmonių (medikų, pacientų, studentų- medikų, teisininkų) požiūrį į šiuo metu esantį sveikatos apsaugos finansavimą, dalinius mokėjimus už sveikatos priežiūros paslaugas. Metodika. Naudojantis finansinėmis ligoninių ataskaitomis, skaičiuojant kasos čekius, tirtos mokamos paslaugos ligoninėse. Atlikta anketinė respondentų apklausa. Duomenys apdoroti naudojant programas MS Excell ir SPSS for Windows 12.0. Išvados. LR įstatymuose ir kt. teisės aktuose yra aiškiai nurodyta, kada gyventojai turi mokėti už sveikatos priežiūros paslaugas ir kokios paslaugos jiems turi būti atliekamos nemokamai. Yra sukurtos gana tobulos vaistų kompensavimo metodikos, kurių pagrindinius principus būtų galima pritaikyti ir kt. medicininėms paslaugoms. Lėšos už mokamas medicinines paslaugas sudaro tik labai mažą dalį ligoninių biudžeto. Daliniai mokėjimai už sveikatos priežiūros paslaugas yra žmonėms nepatrauklūs. Labai mažai apsidraudusiųjų papildomuoju (savanoriškuoju) sveikatos draudimu.
Scientific advisor: Prof. Ass. Dr. Gediminas Černiauskas The master degree thesis consists of introduction, 8 chapters, and 7 units. Conclusions, recomendations, a list of literature, a summary in Lithuanian and English, and supplements are given in the closing part of the thesis. Goals of the thesis: - to examine laws and other legal acts regulating paid medical services, - to provide and overview of paying out compensations for expenses relating to drug acquisition; - to investigate into the range, number, and dynamics of volume of paid services provided by two hospitals in Vilnius; - to reveal the attitude of groups of people (medical people, patients, medical students, and lawyers) towards the current funding of health care system and partial payments for health care services. Methodology. Paid medical services provided by the hospitals were analysed on the basis of relevant financial statements and cash-register receipts. To reveal people’s attitude to partial payments for health services, a questionnaire-based survey was carried out. Data were processed by MS Excell and SPSS for Windows 12.0 programs. Conclusions: LR laws and other legal acts specify the cases when residents are to pay for health care services and what services are to be provided to them free of charge. Quite perfect techniques for the compensation of expenses relating to drugs’ acquisition have been developed. The basic principles of these techniques might be applied in the area of other medical... [to full text]

The master thesis emphasizes the economic relations between China and the United States. It gives an overview and theoretical background support on the significance of contemporary the economic relations between countries in today`s globalized era. Secondly, it analyzes how the theoretical background of economic and trade relations affect the empirical case study of the economic relations between China and the USA. The goal is to show how the economic and trade relations between China and the United States influence each other`s economies and what is the effect of such relations on the economic performance of both countries. More precisely, in order to answer the question above, the master thesis deals with complex analysis in regard of historical perspective concerning the economic relations between these countries, their ongoing cooperation in terms of balance of payments, the current and potential issues what both countries face and the existing challenges for the future. In order to complete the analysis and answer the research question, list of various sources will be used, starting from academic journals, books, literature reviews, reports from the World Trade Organization (hereafter WTO), reports from the respective countries on their economic progress, data available from the ministries of trade of respective countries and other sources related to the analysis of the contemporary economic and trade relations between the countries participating in the global economy.

The empirical results reached in this thesis contradict the traditional theoretical view of money as being exogenously introduced into an economy as a medium of exchange intended to reduce the transactions costs associated with barter. Instead money was endogenously created in the form of credit. Thus, the long run neutrality of money also is called into question. The varying quality of different kinds of money reflects the demand for them. If legal tender was of higher quality than private promissary notes, it was because the former were in greater demand. Concisely put, the market determines the value, and therefore the quality, of various kinds of money. The principal problem addressed in this thesis is how, during the expansive nineteenth century, it was possible to satisfy the ever growing need for credit and means of payment without sacrificing the fixed exchange rate. Particular attention is paid to the private note issuing banks, the so called Enskilda banks, that dominated the Swedish banking system throughout the nineteenth century. In addition to their note issuing, the Enskilda banks were characterized by unlimited owner liability. An examination of the ongoing political process from a rational choice perspective, indicates that initially the concept of note issuing Enskilda banks enjoyed wide spread support. They were considered to be a reasonable response to the problem of establishing a commercial banking system in an illiquid economy. The distribution of political and economic power in favor of the Crown and the Nobility included their control over the issuance of bank charters. The monopolistic policy they followed in this regard, however, resulted in growing hostility towards these. As a result, starting in the middle 1860's, a more liberal attitude towards the establishment of banks began to prevail. By the end of the nineteenth century, various political interest were able to engineer the revocation of the Enskilda banks’ note issuing rights. The special characteristics of the Enskilda banks, the right to issue bank notes and the unlimited liability of their owners, have caused them to be perceived as outdated, at least once Joint Stock banks were introduced. In contrast to the Enskilda banks, these were unable to issue notes but instead provided their owners with limited liability. The thesis demonstrates that, given the initial illiquidity of the Swedish economy, the Enskilda banks actually were the more efficient alternative. Indeed, the note issuing privileges of the Enskilda banks became one of the principal factors behind the development of liquid domestic capital markets. An empirical study that includes the most basic constraints faced by the nineteenth century Swedish economy, the demands of the specie standard and the general shortages of reliable means of payment and of credit, reveals that the Enskilda bank system can not, strictly speaking, be considered an example of free banking. Instead of holding specie reserves, the Enskilda banks backed their notes with central bank (Riksbank) notes. This was not because the public preferred Enskilda bank to Riksbank notes.  Rather it was the result of a monetary adverse selection process; Gresham’s Law.  Previously utilized, lower quality, means of payment were replaced by Enskilda bank notes. By accepting some of the discount costs, the Enskilda banks made their notes circulate at par with Riksbank notes. Thus a domestic specie exchange system was created. The note issuance of the Enskilda banks paved the way for the deposit based commercial banking system that followed, and it was essential for the monetization of the economy that occurred during the late 1860's. The long run expansion of the money supply was unrelated to growth in Riksbank reserves, specie holdings or the monetary base. Other countries operating under the specie standard also experienced monetary growth, indicating that the specie standard actually was a system of credit. Money supply, as measured in terms of Riksbank and Enskilda bank notes held by the public, eventually reflected the level of output (GDP).  VAR-tests indicated that annual changes in the level of Riksbank reserves preceded changes in the money supply which, in turn, preceded changes in the level of prices, thus supporting the price quantity theory. These results are summarized in a regression model that estimates domestic price movements as a function of current changes in international prices and GDP and of lagged changes in domestic prices and the money supply. The final chapter is an empirical analysis of the support provided to the Swedish banking system during the most severe financial crises of the nineteenth century.  Maintaining the specie standard was over riding goal of the Riksbank. In times of crises, this concern prevented the Bank from supporting the banking system in accord with the classical lender of last resort recipe; to inject liquidity and briefly suspend convertibility. The thesis argues that in a transitional economy, such as that of nineteenth century Sweden, the fixed exchange rate makes it impossible in times of crisis to support the banks at all costs. Doing so might well convert a banking crisis into a currency crisis. Indeed, this is exactly what has happened in various countries on several occasions during the late twentieth century. Instead the appropriate procedure for acting as lender of last resort in a transitional economy is to initially support the banks, but only as long as central bank reserves are not exhausted. Should the seriousness of the crisis make this insufficient, the authorities should then proceed to import high powered money as a way of supplementing their reserves. The possibility that such action will be needed makes it particularly important that the country’s public finances be kept in good order.

Diss. Stockholm : Handelshögskolan, 2003. Sammanfattning på engelska

La gestion des risques est un enjeu majeur pour le pilotage d’une compagnie d’assurance. Les données toujours plus nombreuses, les modèles toujours plus sophistiqués et la puissance informatique croissante permettent aujourd’hui aux actuaires, risk managers et data scientists d’affiner la connaissance de leurs portefeuilles d’assurés et des risques sous-jacents. C’est dans ce contexte que se situe cette thèse, qui a pour objectif de contribuer à la compréhension et à la modélisation des risques biométriques et comportementaux en assurance vie, par le biais de trois chapitres introduits et contextualisés dans une introduction générale. Le Chapitre 1 s’intéresse aux versements libres sur les contrats d’assurance vie. Nous proposons une méthodologie basée sur l’apprentissage automatique pour les piloter efficacement : le modèle, construit via l’algorithme de Gradient Boosting, s’appuie aussi bien sur des variables liées aux versements passés que sur des variables liées au produit en question et au business plan, et nous montrons qu’il donne de meilleurs résultats qu’une méthodologie plus classique fondée sur l’utilisation de séries temporelles. En outre, l’analyse du modèle via le cadre proposé par SHAP (Shapley Additive Explanations) permet de mettre en évidence certains faits stylisés; enfin, l’étude à une maille plus fine complète les travaux et interroge la relation entre les versements et les rachats et arbitrages. Le Chapitre 2 concerne les transferts en assurance vie, qui offrent la possibilité à un épargnant d’investir de l’argent sur un nouveau contrat tout en conservant une partie des avantages afférents à son contrat d’origine. En particulier, nous nous intéressons aux transferts Fourgous et PACTE que nous présentons et dont nous mettons en exergue les principaux points communs et différences majeures. Nous proposons alors une modélisation de l’amendement Fourgous via une régression logistique dynamique et analysons, au vu des premières observations, dans quelle mesure les enseignements que l’on peut en tirer sont applicables à la loi PACTE. Enfin, nous élargissons la réflexion en discutant du cadre législatif et de ses impacts potentiels en termes de comportements des assurés. Enfin, le Chapitre 3 est consacré au risque de longévité, et s’intéresse en particulier à une hypothèse extrême, peu considérée en actuariat : le transhumanisme. Cette hypothèse envisage une potentielle amélioration gigantesque de la longévité par l’apport de la science et des technologies. Après avoir rappelé l’état de la connaissance sur la longévité et tous les sujets y afférent (espérance de vie, âge biologique maximal en particulier) et les principales hypothèses sur son évolution future, mettant ainsi en évidence l’absence de consensus et la complexité du sujet, nous analysons plus en détail l’hypothèse transhumaniste et discutons de ses tenants et aboutissants
Risk management is a major issue for the piloting of an insurance company. The increasing amount of data, the sophistication of models and the growing computing power now allow actuaries, risk managers and data scientists to refine the knowledge of their policyholder portfolios and the underlying risks. This is the context of this thesis, which aims to contribute to the understanding and modeling of biometric and behavioral risks in life insurance, through three chapters introduced and contextualized in a general introduction. Chapter 1 focuses on free payments on life insurance contracts. We propose a methodology based on machine learning to pilot them efficiently: the model, based on the Gradient Boosting algorithm, relies on variables related to past payments as well as variables related to the product in question and its business plan, and we show that it gives better results than a more classical methodology based on the use of time series. In addition, the analysis of the model via the framework proposed by SHAP (Shapley Additive Explanations) makes it possible to highlight certain stylized facts; finally, the study at a finer scale completes the work and questions the relationship between payments and surrenders or arbitrages. Chapter 2 deals with life insurance transfers, which allow a saver to invest money in a new contract while retaining some of the advantages of the original contract. In particular, we are interested in the Fourgous and PACTE transfers, which we present; we highlight the main common points and major differences of those transfers. We then propose a model of the Fourgous amendment using dynamic logistic regression and analyze, given the initial observations, to what the extent the lessons that can be drawn from it are applicable to the PACTE law. Finally, we broaden the reflection by discussing the legislative framework and its potential impacts in terms of policyholder behavior. Finally, Chapter 3 is devoted to the risk of longevity, and focuses in particular on an extreme assumption, not really considered in actuarial science: transhumanism. This assumption considers a potential gigantic improvement in longevity through the use of science and technology. After discussing the state of the art on longevity and all the related subjects (life expectancy, maximum biological age in particular) and the main hypotheses on its future evolution, thus highlighting the lack of consensus and the complexity of this subject, we analyze the transhumanist assumption in more details and discuss its ins and outs

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Inclusão financeira é reconhecida como fator de redução de pobreza e contribuição para o crescimento econômico. Não obstante, em 2017, havia 1,7 bilhões de adultos no mundo fora do sistema financeiro. No Brasil, este número era de quase 50 milhões. A evolução do meio de pagamento para um instrumento eletrônico (ou digital) tem trazido muitos benefícios, tais como maior eficiência em termos de velocidade de processamento, redução de custo de transação, segurança, transparência, além de oferecer significativo potencial inclusivo. Esse trabalho buscou entender se o cartão pré-pago, utilizado no Brasil para pagamento eletrônico do frete, tem os elementos necessários para funcionar como instrumento de inclusão financeira do caminhoneiro. Por meio de uma estratégia de pesquisa qualitativa, com aplicação de questionário, combinado com entrevistas, pode-se conhecer o caminhoneiro em termos de inclusão financeira, entender sua relação com o sistema bancário, com atenção especial aos serviços de pagamento, poupança, seguro e crédito. Ao final, foi possível constatar que o cartão pré-pago é um instrumento aceito pelo caminhoneiro, funciona como provedor de serviços de pagamento, pode funcionar como intermediário na oferta de produtos de seguros e investimentos, e tem condições de direcionar o crédito (uma das principais alavancas de melhoria social na base da pirâmide) de forma eficiente. Portanto, o cartão pré-pago possui os elementos para funcionar como instrumento de inclusão financeira. Por ser importante elo da cadeia logística, o cartão pode ainda beneficiar a cadeia como um todo. Entretanto, constatou-se que há dois grandes desafios a serem endereçados: reduzir a informalidade do setor, fomentando a adoção do cartão pré-pago; e viabilizar mecanismos de concessão de crédito ao caminhoneiro a partir da empresa emissora do cartão.
Financial inclusion is widely recognized as a critical factor for poverty reduction and contribution to economic growth. Nevertheless, by 2017, there were 1.7 billion adults worldwide outside the financial system. In Brazil, this number was almost 50 million. The evolution of the payment method to an electronic (or digital) instrument has brought many benefits, such as efficiency in terms of processing speed, transaction cost reduction, security, transparency, and offer significant inclusive potential. This work sought to understand if the prepaid card, used in Brazil for electronic payment of freight, has the necessary elements to work as an instrument of financial inclusion of the truck driver. Through a qualitative research strategy, with questionnaire, combined with interviews, we were able to get to know the truck driver in terms of financial inclusion, understand their relationship with the banking system, paying special attention to payment services, savings, insurance and credit. In the end, it was possible to verify that the prepaid card is an instrument accepted by the truck driver, works as a payment service provider, can act as an intermediary in the supply of insurance products and investments, is able to direct credit (one of the main drivers of social improvement at the bottom of the pyramid) efficiently. Therefore, the prepaid card has the elements to work as an instrument of financial inclusion. Because it is an important link in the logistics chain, the prepaid card can still benefit the chain as a whole. However, it was verified that there are two major challenges to be addressed: eliminate informality in the sector, encouraging the adoption of the prepaid card; and make it possible to grant credit to the truck driver through the card issuer company.

The topic of the thesis is Regulation (EC) No 1896/2006 of the EP and of the Council of 12 December 2006 creating a European order for payment procedure. Regulation established an additional and optional means for the claimant, with the purpose to simplify, speed up and reduce the costs of litigation in cross-border cases concerning uncontested pecuniary claims and to permit the free circulation of European orders for payment throughout the Member States without any intermediate proceedings prior to recognition and enforcement. The aim of the thesis is to analyze the current shape of legislation, its interpretation by the ECJ and existing practical experiences with the application of the tool in the Czech Republic. Chapter one is devoted to the development in the field of judicial cooperation in civil matters, called as well as European civil procedure, and to the summary of the existing regulations. Chapter two deals with the thorough analysis of the laid down proceedings and its consecutive phases. It also contains the evaluation of these regulatory efforts. Chapter three focuses on the analysis of a reference for a preliminary ruling in the Case C-215/11 Szyrocka which is not yet decided. The reference depicts problematic points of coordination between the Regulation and civil procedures of Member States. Last chapter pursues the application of the European order for payment in the Czech judicial system. It summarizes the statistical data about usage of the procedure in the Czech Republic. Moreover, it presents the findings of the qualitative research carried out at thirty district and regional courts.

碩士
國立臺北藝術大學
文創產業國際藝術碩士學位學程(IMCCI)
107
Laws and practices concerning copyright and royalty payment have seldom been updated to follow the trend of technological vanguard in the music industry. These days, with the advent of blockchain technology, many innovators are proposing solutions for the issues that plague rights attribution, with the purpose of delivering fair, timely and verifiable payments to rights holders. For this study, four startups were interviewed, all working with blockchain technology but concentrating on different points of the complicated process of royalty collection and payment. With varying approaches, they all have one goal in mind: bringing transparency to the industry. The most important obstacles for the adoption of these new solutions are not technical, but are directly tied to an industry dominated by incumbent institutions that shun transparency and efficiency when they threaten their business. Most of the past innovations in the music industry have come after fierce demand from its consumers, forcing incumbent players to relent. Demand for an overhaul of the systems dealing with copyright and royalty payment comes from professionals inside the industry (i.e. artists) and, as such, carries little weight. Getting the audience on the side of artists and rights holders is essential to bring about actual change.

碩士
國立交通大學
資訊科學與工程研究所
100
There are many benefits of electronic toll collection (ETC) system such as reducing toll paying time, increasing the capacity of toll station, decreasing fuel consumption, enhancing the convenience of traveler and so on. For a multi-lane free flow ETC system, how to find out the non-payment vehicles without recognizing all license plate images is an important research problem. In this thesis, we formulate the non-payment vehicle searching problem into a bipartite graph and propose an algorithm without recognizing all license plate images for solving it. Simulation results show that our algorithm can reduce the number of ALPR (Automatic License Plate Recognition) and increase success rate of enforcement.

碩士
國立屏東科技大學
企業管理系所
105
This study aims to investigate the moderating effect of free- economics of perceived risk with mobile payment on consumers’ responses. In this study, a video and two posters of famous restaurants were used to do experiment. The experiment and a survey were conducted with students in National Pingtung University of Science and Technology. The valid samples consist of 289 respondents under low-perceived risk condition and 294 respondents under high-perceived risk condition. Findings of this study are shown as follows: (1) Consumers’ responses were higher under Cross Subsidization Model than Freemium Model and non-Free Economics marketing. (2)The high and low level of perceived risk had significant negative effects on consumers’ responses. (3)Two kinds of Free-economics had the moderating effect on consumers’ response under high perceived risk. This study recommends payment system operators that two kinds of free marketing model will help to improve the consumers’ behavior, when consumers perceive a strong risk of mobile payment. The results will help the mobile payment industry and retail business to apply a Free-Economics marketing strategy for decision making.