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Financing health care and the development prospects of private health insurance in Poland 波兰保健筹资和私人健康保险的发展前景
Pub Date : 2018-06-30 DOI: 10.25167/EES.2018.46.14
I. Laskowska
Polish legislation names the general health insurance system as the main source of health care funding. Public health care funding in Poland is relatively small compared with other European countries, which restricts population’s access to medical services and exposes the health care system to constant criticism (the Euro Health Consumer Index, 2017). The rising demand for health care and medical services, driven by demographic and technological factors as well as by changing expectations towards the services standard, is another reason why a search for alternative sources of health care funding seems inevitable. It is viewed that one of the solutions that might facilitate the functioning of the Polish health care system is private health insurance that could become a major element of national health care policy and provide the health care system with extra funding. The article presents some aspects of health care funding in Poland that are likely to increase interest in private health insurance and outlines the level of development of this insurance sub-market using the selected statistics (the number of insured persons, gross written premiums). The article has been prepared based on data provided by the Central Statistical Office, the Polish Insurance Association and Eurostat.
波兰立法将一般健康保险制度列为卫生保健资金的主要来源。与其他欧洲国家相比,波兰的公共医疗保健资金相对较少,这限制了人口获得医疗服务的机会,并使医疗保健系统不断受到批评(欧洲健康消费者指数,2017年)。由于人口和技术因素以及对服务标准的期望不断变化,对保健和医疗服务的需求不断增加,这是寻找其他保健资金来源似乎不可避免的另一个原因。据认为,可能促进波兰卫生保健系统运作的解决办法之一是私人医疗保险,它可以成为国家卫生保健政策的一个主要组成部分,并为卫生保健系统提供额外资金。本文介绍了波兰医疗保健资金的一些方面,这些方面可能会增加人们对私人医疗保险的兴趣,并使用选定的统计数据(参保人数、书面保费总额)概述了这一保险子市场的发展水平。本文是根据中央统计局、波兰保险协会和欧盟统计局提供的数据编写的。
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引用次数: 0
Ratings or pairwise comparisons? An experimental study on scale usability 评级还是两两比较?量表可用性的实验研究
Pub Date : 2018-06-30 DOI: 10.25167/EES.2018.46.11
Malgorzata Karpinska-Krakowiak
A series of experiments was run in order to evaluate the usability of two different measurement approaches: ratings and ranks (pairwise comparisons). Respondents were asked to assess perceived characteristics (i.e. height and length) of different physical objects by using either a rating or a ranking scale. An artificial neural network model was built to analyse the ranks and standard statistical tests were applied to analyse the ratings. The results were then statistically compared with actual (real) characteristics of objects (i.e. their real height and length). Both systems for measuring values were found equally valid in projecting reality. Such findings offer some methodological and epistemological insights, as they provide information on the measurement power of each scale in terms of approximating real-life phenomena.
为了评估两种不同测量方法的可用性,我们进行了一系列的实验:评级和排名(两两比较)。受访者被要求通过使用评级或排名量表来评估不同物理对象的感知特征(即高度和长度)。建立了人工神经网络模型来分析排名,并采用标准统计检验来分析评级。然后将结果与物体的实际(真实)特征(即它们的实际高度和长度)进行统计比较。人们发现,这两种测量值的系统在反映现实时同样有效。这些发现提供了一些方法论和认识论的见解,因为它们提供了关于每个量表在接近现实生活现象方面的测量能力的信息。
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引用次数: 0
Preferential loan borrowers and the benefits of granting loans to agricultural companies in the Małopolska Region by Krakowski Bank Spółdzielczy in 2004-2016 2004-2016年克拉科夫斯基银行Spółdzielczy向Małopolska地区农业公司提供贷款的优惠借款人和收益
Pub Date : 2018-06-30 DOI: 10.25167/EES.2018.46.30
Tomasz Tuteja
Contemporary agricultural companies are turning into complex businesses. Living in the countryside and running a holding is no longer a lifestyle but rather a business model aimed at manufacturing goods and bringing profit. In order to enhance their competitiveness, agricultural companies are getting more and more interested in external financing, mostly in preferential loans granted by cooperative banks. The study on the activity of Krakowski Bank Spółdzielczy (Cooperative Bank of Cracow), granting loans to agricultural companies in the Małopolska Region in 2004-2016, showed that farmers with university degrees, including those in agricultural sciences, were the largest group granted preferential loans. The smallest group consisted of farmers with elementary education. Loans for building and modernising farms had the largest percentage share. Spending the money granted on preferential terms in a rational way had a positive impact on the production and economic efficiency of farms, contributing to an increase in their agricultural income and production, as well as fostering an increase in the production costs, which positively influenced the financial results of the companies.
当代农业公司正在转变为复杂的企业。住在农村、经营一家控股公司不再是一种生活方式,而是一种旨在制造产品并带来利润的商业模式。为了提高自身的竞争力,农业企业对外部融资越来越感兴趣,主要是合作银行提供的优惠贷款。克拉科夫斯基银行Spółdzielczy(克拉科夫合作银行)在2004-2016年向Małopolska地区的农业公司提供贷款的活动研究表明,拥有大学学位的农民,包括农业科学专业的农民,是获得优惠贷款的最大群体。人数最少的是受过初等教育的农民。用于建设和现代化农场的贷款所占比例最大。合理使用以优惠条件给予的资金,对农场的生产和经济效益产生了积极影响,有助于增加农场的农业收入和产量,并促进生产成本的增加,从而对公司的财务业绩产生了积极影响。
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引用次数: 0
Innovativeness of the Polish economy in relation to the Visegrad Group countries 波兰经济相对于维谢格拉德集团国家的创新性
Pub Date : 2018-06-30 DOI: 10.25167/EES.2018.46.3
Edyta Dworak, M. Grzelak
In March 2017, the Warsaw Declaration was signed, establishing provisions for the strategic alliance of the Visegrad Group countries, in the framework of which innovativeness is to become a new element of the cooperation between its members. The Warsaw Declaration provides for the initiation of cooperation between governmental agencies, research institutions, universities and local governments in the V4 countries. Within the framework of the envisaged cooperation, Poland has the ambition to become the leader of innovativeness in the group. In the context of the Warsaw Declaration objectives concerning close cooperation in the field of enhancing the innovation potential of the Visegrad Group's economies, the assessment of the level of innovativeness of the Polish economy in relation to the other countries of the group is important. The aim of the paper is, therefore, to make a comparison of this potential on the basis of the summary innovation index, published in the annual report of the European Commission entitled European Innovation Scoreboard, as well as on the basis of the components of this index. In the article, there was conducted a literature review on the innovativeness of the Polish economy, a descriptive analysis, an analysis of statistical data in time and a comparative analysis. The authors proposed also the research thesis that the Polish economy shows a weaker innovation potential than those recorded for the other countries of the group. Results of the research confirm the thesis to some extent. Poland holds a dominant position only in a few areas describing the innovation potential and for most of the studied indices the Polish economy is located “in the tail” of the group.
2017年3月,《华沙宣言》签署,确立了维谢格拉德集团国家战略联盟的条款,在该联盟框架内,创新将成为其成员之间合作的新要素。《华沙宣言》规定启动V4国家的政府机构、研究机构、大学和地方政府之间的合作。在设想的合作框架内,波兰有雄心成为该集团创新的领导者。在《华沙宣言》关于加强维谢格拉德集团经济创新潜力领域密切合作的目标范围内,评估波兰经济相对于该集团其他国家的创新水平是重要的。因此,本文的目的是根据欧洲委员会年度报告《欧洲创新记分牌》中公布的总结创新指数,以及该指数的组成部分,对这种潜力进行比较。本文对波兰经济的创新性进行了文献综述、描述性分析、时间统计数据分析和比较分析。作者还提出了研究论文,即波兰经济的创新潜力比该集团的其他国家要弱。研究结果在一定程度上证实了本文的观点。波兰仅在描述创新潜力的少数领域占据主导地位,对于大多数研究指标,波兰经济位于该集团的“尾部”。
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引用次数: 2
Diagnosis and causes of consumption servicization in Polish households 波兰家庭消费服务化的诊断与成因
Pub Date : 2018-06-30 DOI: 10.25167/ees.2018.46.18
A. Murawska
This paper attempts to analyse the level and structure of consumption servicization in Polish households in the years 2000-2015 as well as directions of changes in this regard in the years 2005-2015. In addition, causes, advantages, and disadvantages of the increase in service expenses were analysed. The paper elaborates on the concerns that were taken up with the aid of secondary and primary data. The level of expenditure on services related to the use of apartments, health, transportation, communications, recreation and culture, education, and the use of restaurants and hotels was analysed. Classification of expenses is based on the Classification of Individual Consumption According to Purpose – COICOP 2013. The percentage of service expenses incurred by Polish households relative to the general expense structure is 51%, which makes Poland rank among developed countries that have service societies. The highest expenses are paid for the use of apartments and transportation, while the greatest increase in expenses in recent years took place in the use of restaurants and hotels. Fundamental reasons behind consumption servicization can be seen as rooted in the absence of free time, on the one hand, and in the increasing standard of living of Polish citizens, on the other hand.
本文试图分析2000-2015年波兰家庭消费服务化的水平和结构,以及2005-2015年波兰家庭消费服务化的变化方向。此外,还分析了服务费用增加的原因、利与弊。本文详细阐述了在二手和原始数据的帮助下所提出的问题。分析了与使用公寓、保健、交通、通信、娱乐和文化、教育以及使用餐馆和酒店有关的服务支出水平。费用分类依据COICOP 2013《个人消费目的分类》。波兰家庭所发生的服务费用占总费用结构的比例为51%,这使波兰在拥有服务型社会的发达国家中名列前茅。使用公寓和交通的费用最高,而近年来使用餐馆和旅馆的费用增幅最大。消费服务化背后的根本原因可以被看作是根植于自由时间的缺乏,另一方面是波兰公民生活水平的提高。
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引用次数: 0
Possibilities of novel technologies application for purposes of tourism of people with special needs 新技术应用于特殊需要人士旅游的可能性
Pub Date : 2018-06-30 DOI: 10.25167/EES.2018.46.25
Mirosława Szark-Eckardt, B. Augustyńska, E. Mikołajewska, D. Mikołajewski, M. Zasada
This article aims at investigating the extent to which the available opportunities are being exploited, including current and potential possibilities of novel technologies application for purposes of tourism of people with special needs. The research methods used were: logical-compartmental analysis and observation. Main results of analysis: Development of the knowledge-based economy, studies in it, and implementation of their results in practice, bring many untapped opportunities, including wider application of e-tourism in meeting requirements and needs of disabled people, elderly people or other groups, which have rarely been taken into consideration as separate groups within economic analyses. Practical implications: There is a need for working out novel business models, including the area of e-tourism for people with special needs, which will take into consideration national requirements and domestic possibilities.
本文旨在调查现有机会被利用的程度,包括目前和潜在的新技术应用于有特殊需要的人的旅游目的的可能性。采用的研究方法为:逻辑-区隔分析和观察。分析的主要结果:知识经济的发展、对知识经济的研究和在实践中的实施带来了许多未开发的机会,包括更广泛地应用电子旅游来满足残疾人、老年人或其他群体的要求和需求,这些群体在经济分析中很少被作为单独的群体考虑。实际影响:有必要制定新的商业模式,包括为有特殊需要的人提供电子旅游的领域,这将考虑到国家的要求和国内的可能性。
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引用次数: 0
The development of health protection and social care services in Poland and in the countries of the European Union 在波兰和欧洲联盟各国发展保健和社会保健服务
Pub Date : 2018-06-30 DOI: 10.25167/EES.2018.46.26
Agata Szczukocka
Health is considered to be the greatest invaluable good. This article concentrates on the level of advancement of medical services in Poland and in certain countries of the European Union. This research uses such indicators as: expenditure on health care, the level of morbidity, mortality, sick leaves, number of doctors, hospitals, as well as the average life expectancy. Dynamic indices were used in the determination of developmental trends. To capture similarities and differences in the level of medical services advancement, multidimensional scaling method was applied. Results of the study allow stating that a significant advancement in the development of medical and social care services can be observed. However, Poland still lags behind other countries where development of these services remains on a high level.
健康被认为是最宝贵的财富。这篇文章集中讨论了波兰和欧洲联盟某些国家医疗服务的进步水平。这项研究使用的指标包括:保健支出、发病率、死亡率、病假、医生和医院的数量以及平均预期寿命。采用动态指标确定发展趋势。为了捕捉医疗服务进步水平的异同点,采用了多维标度方法。研究结果表明,医疗和社会保健服务的发展取得了重大进展。然而,波兰仍然落后于其他国家,这些服务的发展仍然处于较高水平。
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引用次数: 0
Foresight of Information Society – the Knowledge-Based Economy. An attempt at measuring with the use of the example of spatial diversity of Poland’s voivodships (2009-2015) 信息社会的前瞻——知识经济。以波兰省空间多样性为例(2009-2015年)进行测量的尝试
Pub Date : 2018-06-30 DOI: 10.25167/EES.2018.46.27
W. Szymanowski, Gabriela Brudniak
The aim of the article is to present a new approach to forecast trends of long-wave development: economy, society, education and culture. This approach is called Foresight. There have been many attempts to define Foresight. The lack of an unambiguous definition of this concept leads to many approaches to its measurement, which have not yielded the right results so far. Better results are defined by the concept of Knowledge-Based Economy KBE), which is based on the following pillars: human and social capital, technical infrastructure, research and development and institutional and legal factors. The analysis of these pillars helps to gain a competitive advantage (region, industry, national economy). The applied Knowledge Assessment Methodology (KAM), developed by the World Bank in 1999, is one of the methods for measuring the degree of development of KBE. It is connected with the development of a set of indicators describing the functioning of individual socio-economic dimensions, grouped in four categories: economic and institutional, education and human resources, information system and new technologies, information technologies. The second part of the article presents the analysis of the fourth pillar – information technologies, as an example of the impact of the development of information technologies on the growth of individual regions (voivodships). Synthetic indexes for voivodships of Poland in 2009-2015 were calculated. The research results present a significant spatial difference in the development of information technologies. Changes in this diversification of voivodships was presented for 2015 in relation to 2012 and 2009. Wacław SZYMANOWSKI, Gabriela BRUDNIAK 2
本文的目的是提出一种预测长波发展趋势的新方法:经济、社会、教育和文化。这种方法被称为远见。人们曾多次尝试给远见下定义。由于缺乏对这一概念的明确定义,导致有许多测量方法,迄今为止尚未产生正确的结果。更好的结果是由知识经济(KBE)的概念定义的,它基于以下支柱:人力和社会资本,技术基础设施,研究和发展以及制度和法律因素。分析这些支柱有助于获得竞争优势(区域、行业、国民经济)。应用知识评估方法(KAM)是世界银行于1999年提出的衡量知识经济发展程度的方法之一。它与制定一套指标有关,说明个别社会经济方面的运作情况,分为四类:经济和体制、教育和人力资源、信息系统和新技术、信息技术。文章的第二部分分析了第四支柱——信息技术,作为信息技术发展对个别地区(省)增长影响的一个例子。计算了2009-2015年波兰各省的综合指数。研究结果显示,信息技术发展存在显著的空间差异。与2012年和2009年相比,2015年的省份多样化情况有所变化。Wacław SZYMANOWSKI, Gabriela BRUDNIAK 2
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引用次数: 2
The role of internal audit as a tool for detecting fraud 内部审计作为发现舞弊的工具的作用
Pub Date : 2018-06-30 DOI: 10.25167/EES.2018.46.1
Dorota Burzyńska, M. Jabłońska
Fraud is a serious problem in the world, which often implies huge financial losses. The risk of fraud which is committed in companies is often considered insignificant and no preventive measures are taken which would minimize the possibility of its occurrence. Often, companies also do not have any tools which would allow quick detection of fraud and its perpetrators. Recent years, however, have seen a growing interest among entrepreneurs in implementing an independent and objective internal audit, which is the basis for good management. The aim of this article is to present the nature and role of internal audit in detecting various types of fraud in enterprises and to indicate its growing role in the risk management process. The article discusses the basic issues related to fraud in enterprises. Particular attention is paid to highlighting the importance of the risk management process in the internal audit activity.
欺诈是世界上一个严重的问题,它往往意味着巨大的经济损失。在公司中发生欺诈的风险通常被认为是微不足道的,没有采取任何预防措施来最大限度地减少其发生的可能性。通常,公司也没有任何工具可以快速发现欺诈及其肇事者。然而,近年来企业家对执行独立和客观的内部审计越来越感兴趣,这是良好管理的基础。本文的目的是介绍内部审计在发现企业中各种类型的欺诈方面的性质和作用,并指出其在风险管理过程中日益重要的作用。本文论述了企业舞弊的基本问题。特别注意强调风险管理过程在内部审计活动中的重要性。
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引用次数: 1
Sewage sludge management – a case study 污水污泥管理-个案研究
Pub Date : 2018-06-30 DOI: 10.25167/EES.2018.46.16
Dorota Miłek, J. Latosińska, Z. Dyk
Zbigniew DYK President of Bionor company, Poland Abstract: Currently, the constantly growing problem in the municipal economy is the management of sewage sludge. According to the law, it is the local government that is responsible for the utilization of sewage sludge and is obliged to select optimal technologies, obtain funds and convince the community of the necessity of its implementation. BIONOR Company has developed an innovative concept for the separation and utilization of sewage sludge in the BIONOR SLUDGE compact installation. This innovative technology is effective from the perspective of reducing the waste amount and can be used to solve the problem of utilization of sewage sludge produced in small, rural wastewater treatment plants. The aim of the article is the characterization of the BIONOR SLUDGE technology, a comparative analysis of costs of sludge disposal using a variety of methods and an indication of the importance of sludge management for the local development. To achieve the goal set in the article, a discriminative method was used a description of the BIONOR SLUDGE technological line as well as a case study method a comparative analysis of the costs of operation of BIONOR SLUDGE technological line and the costs of landfilling and utilizing of sewage sludge. The research results confirm that the monthly operational costs of the BIONOR SLUDGE technological line are lower than the costs of monthly landfilling or disposal. For potential municipalities, the introduction of BIONOR innovative technology is economical. Moreover, its usage is currently essential for many municipalities due to the introduction of a ban on landfilling of this type of waste from 1 January 2016. This technology can be used to solve the problem of utilization of sewage sludge generated in small, rural wastewater treatment plants.
摘要:目前,城市经济中日益突出的问题是污水污泥的管理。根据法律规定,地方政府负责污水污泥的利用,并有义务选择最佳技术,获得资金并使社区相信其实施的必要性。BIONOR公司在BIONOR污泥紧凑型装置中开发了一种分离和利用污水污泥的创新概念。这项创新技术从减少废物量的角度来看是有效的,可用于解决小型农村污水处理厂产生的污水污泥的利用问题。本文的目的是表征BIONOR污泥技术,使用各种方法处理污泥的成本进行比较分析,并指出污泥管理对当地发展的重要性。为了实现本文设定的目标,采用判别法对BIONOR污泥工艺线进行了描述,并采用案例研究法对BIONOR污泥工艺线的运行成本与污水污泥的填埋和利用成本进行了比较分析。研究结果证实,BIONOR污泥技术生产线的每月运营成本低于每月填埋或处置的成本。对于潜在的市政当局来说,引进BIONOR创新技术是经济的。此外,由于从2016年1月1日起禁止填埋这类垃圾,它的使用目前对许多城市来说是必不可少的。该技术可用于解决小型农村污水处理厂产生的污水污泥的利用问题。
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引用次数: 1
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Economic and Environmental Studies
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