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CWhere the assured has no insurable interest throughout the c urrency of the risk, the premium is returnable, proviede that this rule does not apply to a policy effected by way of gaming or wagering;Where the assured has a defeasible interest which is termina ted during the currency of the risk, the premium is not returnable; Where the assured has over-insured under an unvalued policy, a proportionate part of the premium is returnable;Subject to the foregoing provisions, where the assured has o ver-insured by double insurance, a proportionate part of the several premiums is returnable; Provided that, if the policy are effected at different times, a nd any earlier policy has at any time borne the entire risk, or if a claim has b een paid on the policy in respect of the full sum insured thereby, no premium is returna ble in respect of that policy, and when the double insurance is effected knowingly by th e assured no premium is returnable.

nbsp；如被保险人不定值保险单中超额保险，保险费得按比例退还一部分。除前述条款另有规定外，若被保险人经重复保险而超额保险，几笔保险费按比例退还。但是，如果几份保险单在不同时间开始生效，任何较早订立的保险单已在任何时间承保整个保险，或保险单已就全部保险金额支付赔偿，该保险单项下的保险费不能退回；若被保险人在明知的情况下订立重复保险，保险费不予退还。

Just about this letterpress analyze auditing risk from the definiens of auditing risk and the cause to be formed,and the different auditing model be used bring different auditing tisk.at last,on the basis of the influence factor of auditing risk and auditing model,letterpress bring forward the methods and measure on auditing risk .

本文正是基于此从审计风险的定义和形成原因入手来分析审计风险，以及由于审计模型应用的不同带来的审计风险也不同。最后根据影响审计风险的因素和审计模型来提出防范审计风险的方法和措施。

This paper applies Risk-based strategic-systems audit mode to build framework of enterprise materially misreport risk assessment. Advanced technology of computer auditing is used in diverse audit analysis procedure. In order to construct a scientific evaluating system, Case- Based Reasoning is also applied in this research to identify and estimate the risk factor more correctly in auditing. This system will achieve at debasement of audit risk by avoiding blind audit effectively, using audit resources reasonably and making pertinent audit program.

本文运用现代风险导向审计的理念，构建审计企业重大错报风险评估框架；先进的计算机审计技术应用于多样性的分析性复核中；基于案例的推理技术引入到审计风险评估研究中，建立一套科学的评估体系以便较为准确的识别、评估审计中的风险因素，以期达到有效避免盲目审计，合理分配审计资源，有针对性地执行审计程序，从而实现降低审计风险的目的。

However, in relation to credit risk, market risk, operational risk of the current research is still at the initial stage of development.

然而相对于信用风险、市场风险而言，目前国内对操作风险的研究仍处于发展起步阶段。

At the same time, the spectral risk measure is one kind of coherent risk measures. The spectral risk measure combines the distribution of profit and loss with the subjective risk aversion from the investors.

谱风险测度将资产组合损益分布的具体形状和投资者的主观风险厌恶相结合，为合理有效地度量金融风险提供了一种可能的选择。

VaR is an important measure of risk which has been extensively recognized in the areaof finance, but it is not a Coherent Measure of Risk by reason of lack of subadditivity.

VaR ( Value at Risk ，简称为VaR )是金融界广泛认同的重要的风险度量，但它不满足次可加性，不是一致性风险度量。

Finally transforms to the risk for the opportunity method carries on the elaboration, if we want the risk transform to the opportunity, we should enhance distinguishes and resists the risk ability firstly, nextly,we must sharpen ability which makes use of favorable conditions and avoid unfavorable conditions, and we must be good at once more using and the melt contradiction, finally we must stimulate the national cohesion by the risk pressure.

最后对风险转化为机遇的方法进行阐述，认为风险要转化为机遇，首先要提高识别和抵御风险的能力，其次要提高趋利避害的能力，再次要善于利用和化解矛盾，最后要以风险压力来激发民族凝聚力。

At last, as valve at Risk is unable to measure the risk exactly and lack of subadditive, therefore, it is suggested in the international that Expected shortfall should be used to measure risk.

三：基于风险价值不能准确度量风险以及缺乏次可加性这些缺点，目前国际上有人提出用损失期望值来测量风险。

Researchers grouped the participants into three categories: 1 abstainers, people who said they did not imbibe alcohol; 2 low-risk drinkers, people who drink at levels lower than those thought to increase the risk for relapse; and 3 asymptomatic risk drinkers, people who do not have any symptoms of alcohol abuse or alcohol dependence, but who drink more than the recommended guidelines for low-risk drinking.

研究者归类参与者分为三类： 1 ）戒除的人，说他们没有吸收酒精； 2 ）低风险饮酒的人，酒后水平低于那些思想，以增加风险为复发； 3 ）无症状风险饮酒者人，也没有任何的症状，酒精滥用或酒精依赖，但谁能喝酒超过建议标准为低风险的饮用水。

It influents the position of our country in international trade.In this essay, in order to understand the essence of the risk, I begin with the definition of risk and then find out the characteristic of risk, at last tell the difference of relevant concepts of risk.

现在我国已经加入了世界贸易组织，此后国际贸易往来将日趋频繁，如何在这种国际货物的买卖中分配风险，将是我们亟待解决的问题，它直接关系到我方当事人的利益，以及在这种国际经济交往中的地位和形象。

For a big chunk of credit-card losses; the number of filings (and thus charge-off rates) would be rising again, whether

年美国个人破产法的一个改动使得破产登记急速下降，而后引起了信用卡大规模的亏损。

Eph. 4:23 And that you be renewed in the spirit of your mind

弗四23 而在你们心思的灵里得以更新