查询词典 insurance broker

So, the main tasks of bill broker" s system construction in our country are: sound and perfect relevant law, regulation, management organization and function about bill broker system, make the concept of the bill broker clear, confirm its status legally is especially important at present, and pay attention to integrating with the world; Strengthen entering system management and independent management of the security broker, perfect the structure and function of self-organized system by oneself; To the future transform trend of our broker mode of securities market mode from traditional type to "network manager","bill broker manager" and "fund manager", We should pay attention to setting up perfect management mechanism of risk and inside management system of bill broker"s system even more, enforce the financial rule, expand the scope of business, setting up systematic, perfect risk preventive and controlling system; To be strict in registration system of bill broker representative and qualification, guarantee professional quality and good quality of our bill broker representative team, pay attention to studying and using the rational incentive mechanism, strengthen the cultivation and development of bill broker representative team.

因此，我国证券经纪人制度建设的主要任务是：健全并完善有关证券经纪人制度的法律、法规、管理机构及其职能，明确我国证券经纪人的概念，确定其在西安理工大学硕士学位论文法律上的地位，并注重和国际接轨；加强证券经纪商的准入制度管理和行业自律制度建设，完善自律组织的结构和功能：针对未来我国证券市场经纪模式由传统型向"网络经纪"、"证券经纪人经纪"和"基金经纪"转化的趋势，我们更应该注重建立完善、科学的证券经纪人制度的风险管理机制和内部管理制度，严格财务制度，扩大业务范围，建立系统、完善的风险预防和控制体系；严格证券经纪代表的注册制度和资格审查，保证我国证券经纪代表队伍的专业素质和良好品质，重视研究和应用合理的激励机制，加强证券经纪代表队伍的培育和发展。

This article analyzes the profit model of insurance companies in detail and validates the relevance between the prescripts which have been constituted by the China Insurance Regulatory Commission in the operation of insurance funds and the investment income of insurance companies through financial statements of the three companies, China Life, Ping An of China and China Pacific, which have been coming into A-stock market. It analyzes the relationship between the insurance company asset allocation and the funds income and risk of insurance companies by simulating the different insurance companies' earnings on different asset allocation and different equity investment yield, so as to arrive at the objective how to configure which prescripts to funds operation of insurance companies is reasonable, demonstrates the rationalities of insurance funds operation prescripts which have been constituted by the China Insurance Regulatory Commission, and considers the equity investment of insurance companies can be properly enhanced to thirty percent of total assets because China's economy will develop stably, chronically and at high-speed .

文中通过借助目前A股上市的中国人寿、中国平安和中国太保三家保险公司的报表详细地分析了保险公司的盈利模式，验证了保监会关于保险资金运用的管理规定与保险公司的投资收益率存在的相关性，并通过模拟在不同资产配置及不同股权投资收益率下保险公司最后的收益情况，用数据分析了保险公司资产配置与保险公司的资金收益和风险的关系，从而得出保险公司的资金运用怎样规定才是合理的，也论证了保监会对保险资金运用的管理规定的合理性，并认为在我国经济仍将长期稳定高速发展的情况下，可适当将保险公司的股权投资比例提高到总资产的30%。

Minimum investment for maximum interest is the internal origin of insurance swindling; the policy-holder, the insurant, the beneficiary or the clerk of the insurance company take advantages of the bugs in insurance contracts and insurance company management to aim at illegal income by means of inventing insurance object, producing false notice about the risk faced by the insurance object, repeating buying the same insurance item, or buying insurance services via insurance object without insurance interest.

投保人以较少的&投入&获得奇高的回报，是保险欺诈产生的内在基础；投保人、被保险人、受益人或者保险公司的工作人员利用保险合同与保险公司管理上的缺陷，通过虚构保险标的、对保险标的所面临的风险做虚假告知、购买重复保险、以不具有保险利益的保险标的投保。

Hull war risk is an independent insurance separated from hull insurance, which posses some characteristics of hull insurance, the principles of the hull insurance therefore apply to it. On the other hand, the fact that the hull war risk become an independent insurance illustrates that it has some special natures such as the risks it covers are exclusive, the premiums categorize general and special one, the Notice of Termination Clause is so distinguished that not covered by the hull insurance. However, PICC hull war risk insurance is an additional insurance to its hull insurance, which is improper as an independent risk.

船舶战争险是从船壳险中分离出来的独立风险，它具有与船壳险相同的特征，保险法的基本原则同样适用于战争险；另一方面，船舶战争险能够成为独立的风险，说明它具有不同于船壳险的特征，它承保的风险具有专属性，它的保费分为一般保费和特殊保费，它的通知终止条款是船壳险所没有的……但是，中国人保船舶战争险却是船壳险的附加保险，与战争险作为独立风险的性质不相适应。

Insurance loss adjuster is a newly rising intermediary industry in the insurance market of our country, insurance loss adjuster, insurance agent and insurance broker constitute the integrated system of insurance intermediary market, and it plays an important role for the fast, steady and healthy development of the insurance industry of our country.

保险公估人是我国保险市场上刚刚形成的一个新兴的中介行业，它和保险代理人、保险经纪人构成保险中介市场的完整体系，对我国保险业的快速、稳定、健康发展有重要作用。

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。

The responsibilities of the States body in charge of insurance management are:toformulate insurance industry policy and guidelines, to approve the establishment of insurance enterprises, to direct and supervise the business activities of insurance enterprises, to examine and decide on basic insurance clauses and insurance rates, to examine the accounting books and statements of insurance enterprises, and to levy economic penalties including ordering a cessation of business on those insurance enterprises which during their operation take actions which violate the States laws, regulations and policies, or harm the legal interests of insured parties.

国家保险管理机关的职责是：拟定保险事业的方针、政策，批准保险企业的设立，指导、监督保险企业的业务活动，审定基本保险条款和保险费率，检查保险企业的会计帐册和报表单据，并对保险企业在经营业务中违反国家法律、法规、政策、或者损害被保险方的合法利益的行为，给予经济制裁，直至责令其停业。

Through the nowadays situation of the international community insurance industry and the developments of the present condition with the economy, we can see that the environment liability insurance starts presenting the tendency of insurance industry being combined with banking and stock certificate industry, the insurance means combined with tax means, the insurer combined with insured benefits, the insurer combined with insurer, the insurance liability insurance compensation combined with environmental indemnification fund and the insurance being commercial combined with the insurance acculturates increasingly.

结合世界各国保险业和经济发展现状，可以看出，环境责任保险开始呈现出保险业与银行业、证券业结合，保险手段与税收手段结合，保险人与被保险人利益结合，保险人与保险人结合，环境责任保险与环境赔偿基金结合以及保险商业化与保险社会化日益结合等方面的趋势。

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。

Chapter one of this text has recommended the foreign insurance to apply financial economy to the products pricing method of insurance company, but these methods have not explained how to determine the fair premium of the multiple-line insurance company .In order to solve many business line insurance company pricing problem, chapter two introduce an very important model in insurance company capital allocation field - MR capital allocation model, through deriving capital allocation formula and simulation analysis indicate MR model allocate multiple- line insurance company capital scientifically. In order to apply MR model to non-life insurance pricing, chapter three will extend MR model to introduce loss 3 and layer P . Since the premise of MR model is a certain market price of loss, the chapter four will use the risk-neutral probability transformation technique to get the market value of loss. Under lognormal distribution, we will use location parameter shift and proportional PH transformation to illuminate the technique. The final chapter combines the prior sections result to deduce out the fair premium formula, and apply it to price the catastrophe insurance.

本文的第一章介绍了国外保险业将财务经济学应用到保险公司产品定价的方法，但是这些方法都没有说明如何确定多业务线保险公司的公平保费；为了解决多业务线保险公司定价问题，第二章引入保险公司资本配置领域非常重要的一个模型—MR资本配置模型，通过推导资本配置公式及模拟分析表明MR模型科学地配置了多业务线公司的资本；为了将MR模型应用到非寿险公司的定价中去第三章扩展了MR模型，引入了损失β和层β的概念：由于MR模型的前提条件是有一个确定的损失市场价值，第四章利用风险中性转化方法获得损失的市场价值，在损失为对数正态分布的条件下，通过位置参数转化和比例危险转化方法给出了实例说明；第五章结合前几章的结果给出非寿险公司公平保费的定价公式，并运用它给出了巨灾保险价格的模拟分析。

More direct, directer ; most direct, directest

径直的，笔直的

Do you know how to use a chain saw?

你知道如何使用链锯吗？