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The risk theories, be an importance part that the insurance or acturial calculate mathematics, the research object is the random model of the insurance business and bankrupt all rate.

风险理论，作为保险或精算数学的一个重要部分，研究对象是保险业务的随机模型和破产概率。

On the basis of an analysis of the present profile of automobile consumer credit in China,a discussion is done on the meaning of its development. This thesis introduces the development of the market of automobile consumer credit overseas, and finds out the reasons why overseas automobile consumer credit leads to the successful development of automobile industry. It also analyses the causes of the slump in the market of automobile consumer credit in the country in aspects of influential elements such as economy,policies,society,consumption norms and so on. It has a deep discussion on some obvious problems in this field. For example,the market of automobile consumer credit is of no scale; the prices of automobiles are high; taxes are heavy and expenses are too much; average residents still have low income and no definite balance between income and predicted expenses; there is no perfect social credit system and individual credit system; there is not enough awareness of credit among the public. Taking theories in the area of industrial economics into consideration,it proposes basic measures of promoting the development of consumer credit in China: building up a credited society,a perfect and sound personal credit system.With credit database as the platform,all parties will be able to share information,improve the credit database,relevant regulations and laws as well as a risk warning system,thus operation and management of the operating entities will be improved,the cost of the practice of consumer credit will be reduced; strengthen the innovation of present financial system,develop financial products corresponding to different groups of customers,improve services,perfect the mode of "bank+insurance+automobile agents",make full use of the interne,adopt the practice of turning credit into securities.

本文在我国现阶段汽车消费信贷现状分析的基础上，对大力发展汽车消费信贷的意义进行了讨论；通过分析国外汽车消费信贷市场的发展概况，解析出国外汽车消费信贷促进汽车产业发展成功的原因；从影响汽车消费信贷市场发展的有关因素如经济环境、政策环境、社会环境和消费习惯等方面分析了我国汽车消费信贷市场现状低迷的症结所在；对中国汽车消费信贷市场的一些明显问题，如汽车消费市场尚未形成规模，汽车价格偏高，税费和使用费用负担沉重，相对较低的居民收入与预期收支不确定，社会信用体系尚未建立，个人信用制度缺失，公众信用意识淡薄等方面进行了深入探讨；立足于产业经济学理论，提出了构建信用社会，建立健全和完善个人信用体系，建立个人资信评估机构和登记制度，引入专业的资信中介机构，以信用数据库平台为基础，各方共享资源，组建客户信用数据平台，完善法规制度建设，建立健全汽车信贷消费的法律体系，建立风险预警机制，提高汽车消费信贷经营主体的经营管理水平，降低汽车信贷业务成本，加大金融制度创新的力度，开发适合不同消费群体的金融产品，提高服务质量，完善"银行+保险+汽车经销商"的汽车信贷模式，充分利用互联网、实行贷款证券化等促进我国汽车消费信贷发展的基本措施。

The Fed inured us all to risk.

联邦局使我们所有人都习惯了承担风险。

All branches are connected to the sturdy trunk of his decision-making tree, an inviolate set of rules for risk control.

所有的树枝都连接到他强大的决策树，决策树就是一系列控制亏损的原则。

Adults in Japan who consumed higher amounts of green tea had a lower risk of death due to all causes and due to cardiovascular disease, according to a study in the September 13 issue of JAMA.

成年人在日本谁消耗的较高数额，绿茶有一个风险较低的死亡是由于各种原因和因心血管疾病，根据一项研究，在9月13日的问题，贾马。

It is not easy for the DAP mobile service member who served with their own time, money, risk, and even forgo the family hours to sit by the street, Kaki Lima and travel to all corners of Sabah to listen and look at the problems faced by the Sabahan.

服务人民是一件不容易的事，民行党的流动服务队必须利用自己的宝贵时间，金钱和冒风险，甚至放弃和家庭聚集的时间，坐在五加基和其他的街边角落数小时，听取和协助沙巴人民面临的各种问题。

All of these can provide experiences for other karst tunnel's risk management.

为其他岩溶隧道的风险管理提供了思路和方法。

All I did was kill one lousy Kraut," one says,"It was an unnecessary risk, Garrison snaps.

我所做的一切只是干掉一个肮脏的德国鬼子，"一个人说，"这是不必要的冒险。

First of all, the disappearance of the first ways that children play, in order to prevent the plug-ins, Sacred Mountains, basaltic island baby can not play, and change the book thief盗宝so long ago that effort deep the rabbit is also a book of the times not to the复返; followed by the old group is the temptation of the book, but a book of 500 gold box, but the probability is very low is not a person can not bear such a money-burning ways to write or keep it Niuniu Let the people; day 9:00 into the civil service exam that there is risk of re-testing of the baby to be low-level book, but then the 10 day to individuals, we will look at the system notice can be a dream; every day to open the box when the St. lightning thunder mountain beasts also do not live to battle each other to cover up, not necessarily to say the book, the event is a child, the gold is on the Kuba Montreal.

首先先说消失了的方法打宝宝，为了防止外挂，圣兽山，玄武岛打宝宝不出了，改盗宝贼出书了，这样，以前那种只要功夫深，兔子也出书的时代一去不复返了；其次老群书是很诱惑的，但500元宝一个书匣，而且很很很低的几率也不是随便一个人可以承受的，这么烧钱的方法还是留着那写牛牛的人吧；每天进去9点科举复试的人会有几率得到低级的宝宝书，不过每天就那么10来个人，我们就看着系统公告做梦就可以了；每天到开箱子的时候圣兽山上电闪雷鸣也掩盖不要住刀光剑影，再说了也不一定出书，万一是童子，是满地的金子就哭吧。

All lighterage and use of craft in discharging shall be at the risk and expense of the goods.

卸货时一切驳运费和驳运险应由货主承担。

The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应，而且减少跟风的可能性。