查询词典 all risk insurance

Article 88 If an insurance company with life insurance operations is cancelled or declared bankrupt according to law, the life insurance contracts and reserve funds it holds shall be transferred to another insurance company undertaking life insurance. If the company fails to reach transfer agreement with another life insurance company, the insurance supervision and administration department shall designate a life insurance company to accept the business.

第八十八条经营有人寿保险业务的保险公司被依法撤销的或者被依法宣告破产的，其持有的人寿保险合同及准备金，必须转移给其他经营有人寿保险业务的保险公司；不能同其他保险公司达成转让协议的，由保险监督管理机构指定经营有人寿保险业务的保险公司接受。

The thesis tends to investigate the establishment of the insurance cycle score and business cycle of the premium of new business. We utilize six kinds of different insurance of new business to be our investigate object, that including ordinary life insurance, group life insurance, individual health insurance, group health insurance, personal accident insurance and group accident insurance. Besides observing fluctuate of the firsthand information, we used the maximum likelihood estimation to estimate the unknown parameter of Markov switching models. Try to cognizance the peak and the trough of business cycle.

本研究在探讨保险新契约之保费的景气循环状况与景气分数的制定，其中我们利用六种不同的保险新契约保费当研究对象，包括个人人寿保险保费、团体人寿保险保费、个人健康保险保费、团体健康保险保费、个人伤害保险保费和团体伤害保险保费，除了观察原始资料的波动外，亦采用最大概似估计法来估计马可夫转换模型的未知参数，尝试著去认定景气循环的高峰与谷底。

Different risks have different insurance needs, and therefore, for the purchase of personal loan business, at least three types of insurance required : First, the housing mortgage property insurance, the main victims of accidents and protect property damaged by natural disaster risks; Second, lenders regular credit life insurance, principal owing on the loan guarantee period by the lender or accidental injury and disease incapacity or death situation, banks can secure their loans, lenders families can continue to live; Third mortgage purchase a performance bond insurance, in which insurance, the insurance companies play the role of the guarantor to charge a premium for the purchase of security costs, credit for the purchase and the provision of economic security, as was the guarantor for death, unemployment causes an inability owing on the loan, the insurance companies on behalf of their debt to banks liquidated I, at the same time exercise the right to recover from the collateral, or to the insured recover compensation awards.

不同的风险有不同的保险需求，因此，对于个人贷款购房业务，起码需要三类保险的保障：一是抵押住房的财产保险，主要保障房产遭受意外事故和自然灾害毁损的风险；二是贷款者的定期信用人寿保险，主要保证还贷期内在贷款人因疾病或意外伤害而丧失工作能力或死亡的情况下，银行能安全收回贷款，贷款者的家人能继续居住；三是抵押贷款购房履约保证保险，在这种保险中，保险公司扮演了担保人的角色，向购房人收取一定的保险费作为担保费，并为购房人的经济信用提供担保，当被担保人因为死亡、失业等约定原因无力还贷时，保险公司代其向银行清偿余债，同时行使追偿权，从抵押物中得到补偿或向投保人追回赔款。

Finally puts forth the concrete measures about how to prevent the risk, namely avoidances the risk through giving up risk program and activity of business, and releasing risk unit and person, transfers the risk through insurance, guarantee, business agency and exonerating responsibility with contracts, quasi-prevents risk damage through perfecting information system, strengthening management on institution, strengthening encouragement, alleviating staffs pressure and strengthening enterprise"s cultural construction, inhibits risk damage through taking prevention measures before and after the risk events, so can prevent the risk greatly, and helps realizing enterprise"s general goal.

最后提出了企业人力资源管理风险防范的具体对策，即通过放弃风险项目和活动及免除风险单位和个体等对策回避风险，通过保险、担保、业务外包和开脱责任合同等对策转移风险，通过完善信息系统、加强制度管理、加强激励、缓解员工压力和加强企业文化建设等对策预防风险损失，通过采取风险事前对策和事后对策抑制风险损失，从而最大限度发挥风险防范的作用，为企业实现总体目标保驾护航。

The factors mainly include four aspects:(1) The laws and policy in connection with construction insurance system are not perfect,(2) The parties who participate in the construction project are lack of risk and insurance consciousness,(3) The operation level of Insurance companie is not high ,(4) Insurance intermediary which includes insurance agent, insurance broker and insurance adjuster is in underdevelopment .

值得我国借鉴的是，有必要参照FIDIC的合同条件，在建设工程合同条件中完善有关保险的规定，使其具有可操作性，并且要完善建筑市场机制来保证合同条件的运用。其次，分析了法国工程保险制度的特点及对我国的启示。

Insurance brokerage professionals: both upper leaders and business clerk have "Insurance brokerage" qualifications, the upper leaders were the first professionals engaged in Insurance brokerage business in the country, were from the frontline, they experienced every circle from client's communication to claim settlement in property insurance, engineering insurance, liability insurance, special risk insurance, reinsurance.

保险经纪专业人士：公司从高层到业务人员均拥有&保险经纪人&资格证书。

The aims of disaster study and risk study are tent to unanimousness, both will offer the theoretical basis for sustainable development models. Regional safety construction based on disaster study is converting into regional risk management system based on risk study. So the authors consider that sustainable development model is the regional development model under a certain risk level, and the risk level relies on the regional safety construction level that integrates the regional economic level and social cultural system. Strengthening subject construction of disaster and risk study in China, national laboratory construction, and organization and practice of key items are imperative. And we should put the study emphasis on the vulnerability assessment system and models, risk assessment system and models, disaster and risk management mode of typical region, disaster and risk emergency control scenario, disaster and risk regions.

灾害与风险研究的目标正在趋向一致，都集中在为可持续发展模式提供科学依据；基于灾害研究的区域安全建设正在向基于风险研究的区域风险管理体系转变，由此认为可持续发展模式就是接受一定风险水平条件下的区域发展模式，一定风险水平依赖于由区域经济水平与社会文化体系相关联的区域安全建设水平；加强我国灾害与风险科学研究的学科建设、国家实验室建设、重大项目的组织与实施已势在必行；重点开展灾害脆弱性评价体系与评价模型、风险评价体系与风险评价模型、典型区域灾害与风险管理范式、灾害与风险应急控制预案、灾害与风险区划等方面的研究。

Firstly, this paper investigates the risk management theories and chooses the risk management process suitable for China; secondly, summarizes the types of risks during construction stage, establishs the proper methods for risk identification, with these methods identifies the risks of the Wu-xing Bridge and forms the risk list; thirdly, through the reseach of modern decision-making theoris, researches the risk attitude of the managers by design a risk analysis questionnaire; then, with the expert-experiential based assessment method, makes dynamic risk assessment in every single construction stage; finally, according to the risk assessment results, designs a succinct risk management handbook which supports the risk management during bridge construction pithily.

首先，在研究国内外先进的风险管理理论的基础上，确定了适合我国桥梁施工阶段风险管理的基本流程；其次，对桥梁施工阶段风险事态类型进行了总结，确定了适合我国桥梁施工阶段风险事态识别的方法，并对五星桥进行了详细的风险事态识别，形成了完备的风险事态列表。再次，通过对现代决策理论的研究，制定了研究决策人风险态度的调查问卷，对决策人的风险态度进行了研究；然后，采用基于专家经验的风险估计方法对风险事态进行了评估，并针对施工阶段进行了动态的等级评估；最后，根据评估的风险等级设计了简洁适用的风险管理手册，为桥梁施工现场的风险管理提供了有力支持。

From the point of practice and dvelopment, how to impove the ability of credit risk management for Yinchuan city commercial bank is discussed surrounding the client raiting and credit extention, measures of credit risk, management strategies of credit risk, conclusions of the paper are listed as the following:Through positive analysis, the current methods of client rating and credit extension is simple and convenient for application, there are four disadvantages in index system of it: non-customer subdivision, non-consideration factors on industrial risks, larger quantitative indicators ratio, non-consideration factors on affiliated enterprise risk, and some corrective measures are put forward to solve it, customer subdivision, factors-added on industrial risks, set stationarity indices ratio in reason, factors-added on affiliated enterprise risk; From the point of development, Based on the technology of Value-at-Risk and CreditMetrics model we discussed the methods of credit risk analysis and measurement and gave the example of how to calculate the VaR value of individual loan and combined loan; This paper probes into the strategies which raise the ability of credit risk management for Yinchuan city commercial bank from five aspects, including strengthen the inner control, improve the technique level of risk management through information technique, solve the problem of non-performing loan, adjust the credit orientation and structure, foster credit culture with its core based on risk control.

从实践和发展的角度出发，围绕客户评级授信、信贷风险测量、信贷风险管理策略三个方面，就如何提高银川市商业银行信贷风险管理水平展开研究，得出以下结论：通过实证分析，银川市商业银行现有的客户评级授信方法具有方法简单、易于推广的优点，但客户评级授信指标体系具有客户分组不细、未考虑行业风险因素、定量指标占比过大、未考虑关联企业风险因素的缺点，应通过细化客户分组，增加行业风险因素指标、合理设定定性指标比重、增加关联企业风险评价指标等措施进行改进；从发展的角度出发，在基于VaR框架和CreditMetrics模型技术的基础上，探讨了银川市商业银行信贷风险分析和度量的方法，给出了采用CreditMetrics模型技术计算单笔贷款、组合贷款VAR值的例子；从五个角度探讨了提高银川市商业银行信贷风险管理能力的策略和手段，包括强化信贷风险内控管理机制、利用信息技术提高信贷风险管理技术水平、综合治理化解不良资产、调整信贷结构、建立以风险控制为核心的信贷文化等对策。

Bank sources told reporters that the key is in fact now unreasonable categories, personal loans purchase operations at least three risk protection : First, protect property suffered major accidents and natural disasters, the risk of collateral damage to housing property insurance; Second, lenders regular credit life insurance, mainly in the loan owing on the loan period of injury as a result of illness or accident and incapacity or death of bank guarantee safe recovery loans to the families of those who continue to live; Third mortgage purchase insurance performance bond, mainly because when the guarantor of death, unemployment causes an inability owing on the loan, insurance companies on behalf of their debt to banks liquidated I, at the same time exercise the right to recover from the collateral, or to the insured recover compensation awards; Now the market is the impact of policies, mostly property insurance, and lack of a man-made object of the life insurance products.

银行有关人士告诉记者，其实现在不合理的关键是险种问题，个人贷款购房业务至少需要三类风险保障：一是主要保障房产遭受意外事故和自然灾害毁损的风险的抵押住房的财产保险；二是贷款者的定期信用人寿保险，主要是在还贷期内贷款人因疾病或意外伤害而丧失工作能力或死亡的情况下，保证银行能安全收回贷款，贷款者的家人能继续居住；三是抵押贷款购房履约保证保险，主要是在当被担保人因为死亡、失业等约定原因无力还贷时，保险公司代其向银行清偿余债，同时行使追偿权，从抵押物中得到补偿。。。。。。

Nowadays, most of research are to build a transmutative Petri Nets through adding controlling place sets, controlling arc sets and controlling policy to the basic Petri Nets, while the Controlled Petri Nets could be used to argue many controlling theory problems conveniently and to induce many logically and physically supervisory and solve the Event Feedback Controlling Problems and State Feedback Controlling Problem in DEDS supervisory theory.

目前大多数的研究表现为在变形后的受控Petri网基础上，利用各种方法求得各种逻辑型、结构型控制器，解决DEDS监控理论中的事件反馈控制问题与状态反馈控制问题。

On one hand, there are discussions with the works council and union about extension of short time working up to the end of September.

一方面，有讨论，工程理事会和联盟关于延长工作时间短至9月底。