查询词典 insurance broker

The moral hazards resulted in by the asymmetric information among applicant, insured and beneficiary include insurance risk increase caused by indulgence and intent after the conclusion of insurance contract; causing insurance accidents with intent; failing to inform in time after insurance accident; reporting more or higher loss to gain excess insurance benefits; falsifying insurance accident to gain unjust interest.

投保人、被保险人和受益人因信息不对称所致的道德风险表现在合同缔结后放任或者故意造成保险风险增加；故意造成保险事故的发生；在保险事故发生后没有及时通知；保险事故发生后，多报或者高报损失以获取超额保险金；没有发生保险事故却谎称发生保险事故以获取不正当利益等。

Section 3 is the difficult and key part of the whole paper, focus on discussing how to improve our country"s unemployment insurance system .specific countermeasures to improve the system are presented as follows: constituting unemployment insurance law establishing and amplifying safe -guard system of the law; establishing that judies is the first in the level of value; definite unemployment and the qualification of gaining unemployment insurance, reasonably enlarging the scopes of insurance; intensifying and promoting the function of reemployment to realize the combination of unemployment insurance and reemployment promotion; enforcing raising insurance fund and fully exerting the fund"s use benefit ;improving its systems of management and supervision to realize scientific management, keeping the fund safety and development..

本文认为我国的失业保险制度应在根据我国国情的基础上，在以下几个方面完善失业保险法律制度：制定《失业保险法》，提高失业保险制度的法律效力，并辅之以其他相关法律法规相配套，建立起一个层次分明相互协调的综合性失业保险法律体系；确立以公平为优先的立法价值取向，在法律的层次上明确失业保险制度作为超越经济领域的公共产品应当以社会公平为其立法的价值取向；正确界定失业的定义及失业保险资格条件，在符合中国国情的情况下，合理扩大失业保险的覆盖面；确立以保障劳动者的基本生活和促进再就业为失业保险法律制度的立法宗旨，加强失业保险的再就业促进功能，变消极支付失业保险金作法为积极地促进再就业，认识到&就业是最好的保障&；完善失业保险费征缴制度，按不同行业、企业的失业风险概率不同，实行差别缴费率，加强失业保险费征缴的法律力度，提高劳动者和用人单位的缴费积极性；完善失业保险待遇给付制度，从确保失业者的基本生活需要和促进其再就业的角度出发，完善给付水平和给付期限的规定；规范和完善失业保险的管理和监督制度，实现管理科学化，保证并实现保险墓金的保值、增值。结语部分，对全文进行总结。

Social insurance includes old-age insurance, unemployment insurance, medical insurance,work-related injury insurance and maternity insurance .

社会保险包括养老保险，失业保险，医疗保险，工伤保险和生育保险。

As the core of the social security system, social insurance includes old-age insurance, unemployment insurance, medical insurance, work-related injury insurance and maternity insurance.

中国的社会保障体系包括社会保险、社会福利、优抚安置、社会救助和住房保障等。

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。。。。。。

It has been approved by history in many countries that insurance broker companies are beneficial to promoting the development of insurance, regulating insurance market, safeguarding the right of insurants, and strengthening the connections between domestic insurance market and international market.

作为成熟保险市场不可或缺的组成部分，保险经纪的诞生对促进我国保险业发展、规范保险市场、维护投保人利益、推动国内保险市场与国际接轨等方面具有重要意义，各国保险业发展的历史和经验无不证明了这一点。

Compared with foreign-invested insurance broker firms, domestic insurance broker firms are established subject to less exacting criteria in respect of applicant qualification requirements, the authority for acceptance and preliminary examination of the application and application documents, and may engage in more extensive businesses upon establishment.

与设立外资保险经纪公司相比，设立内资保险经纪公司在申请人资格要求、受理和初审机关、申请材料要求方面要求较低，而设立成功后可开展业务范围却较广。

B an insurance broker unless he is an authorized insurance broker.

b 保险经纪，除非他是获授权保险经纪。

Bill broker"s system of our country has a lot of questions, mainly: Bill broker system law, regulation, management organization and functionare imperfect in construction; The current operation mode is backward, is difficult to meet the development of network economy and securities market; Besides, bill broker" s incentive mechanism, management system of inside and risk management are serious defect and insufficient.

我国证券经纪人制度建设目前存在许多问题，主要有：证券经纪人制度法律、法规和管理机构、职能建设不健全：现行运作模式落后，难以适应网络经济和证券市场的发展；同时，在证券经纪人激励机制、内部管理制度及风险管理方面均存在严重的缺陷和不足。

Trade cost theory, market validity theory and Commission theory are the economic foundation of Bill broker"s system. Two commission models under symmetry and asymmetry information between the investor and bill broker was structured in view of above, probing into two major interests subjects" distribution mode in interests, risk and encourage goal, and establishing the economies" foundation for the standardization development and perfection of bill broker"s system.

交易成本理论、市场有效性理论和委托—代理理论是证券经纪人制度的经济学基础，据此，笔者构建了信息对称和信息不对称两种情况下投资者和证券经纪人之间的委托—代理模型，探讨两大利益主体在利益、风险和激励上的目标分配模式，为证券经纪人制度的规范化发展和完善奠定了经济学基础。

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？