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sam radwan, partner & co - founder of enhance international talks about building a safety net for the elderly in china .
the office of international students and scholars (oiss) is moving forward with several initiatives to enhance the experience of international students on campus and minimize barriers they may encounter while at st. thomas .
oiss has created an international student advisory board to formalize the feedback that is being received from international students. this group is made up of 11 diverse undergraduate and graduate international students who will meet twice per semester .
through this program, new students will be able to connect with current international students and an oiss staff member, as well as other new international students from their orientation groups .
representation in this work group includes dining services, the business and card offices, dean of students, international admissions, academic counseling and support, several faculty members and current international students .
in fall 2015, xiaowen guan, associate professor in the communication and journalism department, and lori friedman, director of oiss, created the international student retention group to help minimize barriers for international students .
as a part of the international student retention group, guan and friedman will send an email to all faculty with a first - year international student in their class beginning this fall. the email will provide useful tips for working with international students in the classroom as well as information for those seeking additional resources .
eig’s leadership outreach program (lop) provides senior organizational leaders (e. g. , c - suite to gm) reliable guidance and practical advice on how to manage in a broad spectrum of business situations to enhance trust and respect .
taiwan also offers a ray of hope. sam radwan of enhance international, an insurance consultancy, observes that while china and taiwan both have extremely high rates of household savings, the former spends less than 4% of gdp on insurance while the latter spends a juicy 17% . in insurance, as in much else in china, it may pay to persevere .
this presented an opportunity for international students to be more integrated into the st. thomas experience and receive a similar preparation to other students .
the board provides feedback and advice to student affairs leaders (namely residence life, dean of students, career development, counseling and health services, campus life and oiss) to improve the international student experience and better understand the current challenges faced by international students at st. thomas .
in fall 2016, for the first time, oiss and the dean of students offices coordinated a joint orientation program for international and domestic students. in previous years, incoming international students went through a separate orientation. this year, the groups were blended, giving both populations the opportunity to build connections and relationships with each other from the beginning .
in its resolution 4 / 2, the conference of the states parties to the united nations convention against corruption decided to convene open - ended intergovernmental expert meetings on international cooperation .
fast growth is, in one respect, just what china’s insurance industry needs. the population will get much older in the coming decades, but the public pension scheme is still in its infancy. by supplementing public coverage with private policies, the government hopes that people may just manage to escape penury in their old age. at the moment the government covers roughly a third of medical expenses and insurance companies less than a tenth, leaving individuals to pick up more than half the tab themselves, according to enhance international, an insurance consultancy. that is an especially heavy burden, naturally, for the elderly .
the functions of the meetings are to assist it in developing cumulative knowledge in the area of international cooperation and encourage such cooperation, facilitate the exchange of experiences among states parties and assist the conference in identifying the capacity - building needs of states .
beginning this fall, oiss is implementing a six - week extended orientation program for new undergraduate international students that will help increase retention and allow for a smooth transition to life in the u. s. and at st. thomas in a cohort model titled orientation connect .
throughout the last year, they have worked with the career development center to include more resources for international students on their website, with faculty development and academic affairs to offer workshops to faculty, and coordinated activities with other stakeholders across the university on projects still in progress .
from left: dr nkosazana dlamini zuma, chairperson of the african union commission; dr margaret chan who director - general; dr jim yong kim, president of the world bank group; ms gunilla carlsson, minister of international development cooperation, sweden; and dr shigeru omi, president of the health assembly .
china and who update delegates and international journalists on the avian influenza a (h7n9) virus situation. from left, dr margaret chan, who director - general; li bin, minister of national health and family planning commission, china; dr. liang wannian, director - general, the chinese team leader of china - who joint mission on the avian influenza a (h7n9) virus, national health and family planning commission, china .
this month regulators turned their attention to some of the insurers that have been among the boldest in expanding. first they sent inspectors to sino life insurance co, which has run down its capital in recent quarters. then they went to anbang, which has increased its assets some 50 - fold over the past two years. that inspection was a particularly important signal about the clout of regulators. many observers had assumed that anbang would receive preferential treatment, thanks to strong political connections (its chairman is married to the granddaughter of deng xiaoping, a revered former leader). but regulators blocked its $ 14 billion bid earlier this year for starwood, a big international hotel chain, and now seem to be clipping its wings at home .
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who director - general dr margaret chan listens intently to discussions of member states in committee a .
dr margaret chan who director - general and dr shigeru omi, president of the health assembly congratulate dr jim yong kim, president of the world bank group after his address to the plenary .
experts answer media questions at a press conference on the avian influenza a (h7n9) virus situation. from left: dr. j. lubroth, chief veterinary officer of food and agriculture organization (fao); dr k. fukuda adg / hse, who; dr. b. vallat, director - general, world organisation for animal health (oie) .
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by any reasonable measure, china is an insurer' s dream. with premium income topping 1. 5 trillion yuan ($ 220 billion), the market is enormous. it is also growing fast, with the life - insurance sector alone doubling between 2007 and 2010. and insurance penetration (premiums as a share of gdp), remains extremely low (see chart). so why is it that both domestic and foreign insurers seem to be struggling ?
chinese firms are now experiencing serious growing pains. to get an idea of the problems, take a look at the prospectus offered by new china life, a big local insurer, for its dual share placement, which will take place shortly on the hong kong and shanghai stockmarkets. by its own admission, the company needs to raise equity because of a capital shortfall .
this shortfall is caused by rapid growth: when you sign up vast numbers of new clients, your potential liabilities shoot up instantly, while the extra premiums roll in only gradually. (another reason for the capital shortfall is that new china' s investments in domestic chinese shares have done badly. )
many other local insurers also face a shortage of capital. china' s insurance regulator is scrutinising the capital adequacy of insurers much more closely of late. for example, it wants firms to cut back on the amount of subordinated debt they issue. in the case of new china life, the company' s solvency margin (the cushion of capital that regulators require insurers to hold in case times turn rough) fell below 87% of total liabilities during the third quarter of this year. firms with ratios below 100% now run the risk that regulators will limit which products they can offer and where they can invest .
these are not the only agonies that insurers face. standard & poor' s, a credit - rating agency, believes that risk - management practices at chinese firms have not kept pace with expansion. it also worries about a mismatch between the industry' s long - term liabilities and the typically short - term nature of its investments .
the boom has also attracted dozens of new firms and hordes of unsophisticated investors. stephan binder of mckinsey & co, a consultancy, argues that many people who have bought shares in new insurers do not understand the industry. he thinks they were dazzled by the public placement of ping an, an innovative chinese insurer that is also one of the world' s largest, only to be “surprised to find that you don' t get any cash out of these businesses quickly and instead must keep putting in cash for years” .
foreign insurers in china know that sinking feeling all too well. a report published on november 30th by another credit - rating agency, moody' s, calculates that of the 47 foreign insurance outfits in china in 2010, only 11 made a profit (and even that was generally a meagre sum). the aggregate market share of firms with substantial foreign ownership is still below 5% . and recent months have seen new york life leave the market, axa and sun life reduce their ownership stakes in joint ventures and standard life attempt—in vain—to find a buyer for its local operation .
could this “mark the beginning of a broader retreat”? asks sally yim, the report' s author. perhaps; but retreating could be unwise. though regulations are skewed against foreign insurers, mr binder believes they can still succeed in china if they correct some of their own mistakes .
for example, they could do a better job of nurturing local talent and adapting foreign business models to local conditions—two areas where they have conspicuously failed in the past. he points to south korea, where foreign insurers lost money on a queered pitch for over a decade, but are now raking in handsome profits .
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even for a country used to rapid growth, the expansion of china’s insurance industry has been something to behold. assets managed by insurers have doubled in less than four years to 13. 9 trillion yuan ($ 2. 1 trillion). their revenues from selling policies have accelerated, climbing 42% year - on - year in the first quarter of 2016 (see chart). most remarkable has been the increase in their workforce. over the past six months alone, they have added 2m to their sales force they now employ some 7. 2m people, up 120% since the start of last year. put another way, roughly one in every 50 workers in chinese cities is selling insurance products .
but excessively rapid growth, built on flimsy business models, risks doing more harm than good. there have been plenty of worrying signs. the most aggressive firms have scaled up by offering guaranteed returns of 6% or more on short - term investment products, an extremely risky strategy for what is supposed to be a sober and reliable industry. to deliver these returns despite a lacklustre stockmarket, they have piled on debt and cut into their own margins. moreover, these short - term products do not necessarily help investors through retirement: people are free to cash out when their policies mature, leaving them with no coverage against death, illness or accidents .
regulators appear to have had enough. in march they announced their strictest rules yet to curb speculative behaviour. they barred insurers from selling products with maturities of less than one year and began to phase out those with maturities of less than three years. these measures, though somewhat crude, should help prevent mismatches between long - term assets and short - term liabilities .
more fundamentally, china has also overhauled solvency rules, which should force insurers to change the way they operate. capital requirements had been based on simple gauges of size. now they are much closer to the norm in developed markets, varying in line with how quickly policies turn over and how premiums are invested. firms that rely excessively on short policies or that invest heavily in the stockmarket must hold a much bigger cushion .
the heyday of rapid expansion by opportunistic firms is over, predicts lee yuan siong of ping an insurance, one of china’s biggest providers. “the government saw the danger early enough before it got out of control. ” if the new rules work, insurers will need to focus on persuading people to buy their policies for protection rather than as an investment. that is a safer bet, but a harder sell .
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orientation connect spreads out important orientation information over three sessions in the first six weeks and allows for meaningful, timely discussions on challenges faced and consideration of critical concepts through a more applied approach as the students gain experience both inside and outside of the classroom.
enhance international llc is a management consultancy advising the china insurance regulatory commission and the national health and family planning commission as china looks to reform health care with the china demographics challenge of an aging population and a shift from the old communist health system to one that has to catch up with china 's expanding economy and rapid growth of chronic diseases . enhance international llc held a conference with white house adviser and affordable care act architect dr. ezekiel emanuel and minister for health reform mr. liang wan nian under minister li bin ( politician ) . a key outcome of the meeting is the two commissions ' interest in building a model similar to the affordable care act , despite all recent controversy this program has received in the united states . enhance international llc is often quoted and published on china 's insurance reform , in most of the major financial news sources including : cnbc , bloomberg businessweek , the wall street journal , the economist , financial times and a. m. best 's best review . enhance international llc also worked with sean chen ( politician ) , the former premier of taiwan , when he was the chairman of the financial supervisory commission ( republic of china ) of taiwan and negotiating the financial memorandum of understanding with china . 
enhance international llc is a management consultancy advising the china insurance regulatory commission and the national health and family planning commission as china looks to reform health care with the china demographics challenge of an aging population and a shift from the old communist health system to one that has to catch up with china's expanding economy and rapid growth of chronic diseases. enhance international llc held a conference with white house adviser and affordable care act architect dr. ezekiel emanuel and minister for health reform mr. liang wan nian under minister li bin (politician). a key outcome of the meeting is the two commissions' interest in building a model similar to the affordable care act, despite all recent controversy this program has received in the united states. enhance international llc is often quoted and published on china's insurance reform, in most of the major financial news sources including: cnbc, bloomberg businessweek, the wall street journal, the economist, financial times and a. m. best's best review. enhance international llc also worked with sean chen (politician), the former premier of taiwan, when he was the chairman of the financial supervisory commission (republic of china) of taiwan and negotiating the financial memorandum of understanding with china.
enhance international llc is a management consultancy advising the china insurance regulatory commission and the national health and family planning commission as china looks to reform health care with the china demographics challenge of an aging population and a shift from the old communist health system to one that has to catch up with china's expanding economy and rapid growth of chronic diseases. enhance international llc held a conference with white house adviser and affordable care act architect dr. ezekiel emanuel and minister for health reform mr. liang wan nian under minister li bin (politician). a key outcome of the meeting is the two commissions' interest in building a model similar to the affordable care act, despite all recent controversy this program has received in the united states. enhance international llc is often quoted and published on china's insurance reform, in most of the major financial news sources including: cnbc, bloomberg businessweek, the wall street journal, the economist, financial times and a. m. best's best review. enhance international llc also worked with sean chen (politician), the former premier of taiwan, when he was the chairman of the financial supervisory commission (republic of china) of taiwan and negotiating the financial memorandum of understanding with china.