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Rather, this almost 600% increase has been achieved through large gains in National Indemnity's traditional liability areas plus the starting of new companies (Cornhusker Casualty Company in 1970, Lakeland Fire and Casualty Company in 1971, Texas United Insurance Company in 1972, The Insurance Company of Iowa in 1973, and Kansas Fire and Casualty Company in late 1977), the purchase for cash of other insurance companies (Home and Automobile Insurance Company in 1971, Kerkling Reinsurance Corporation, now named Central Fire and Casualty Company, in 1976, and Cypress Insurance Company at yearend 1977), and finally through the marketing of additional products, most significantly reinsurance, within the National Indemnity Company corporate structure.

相反地，这600%的成长几乎都是来自于国家产险本身的传统业务的稳定成长再加上新创立的公司(包含1970年的 Cornhusker 产险、1971年的 Lakeland 火险、1972年的德州联合保险、1973年的爱荷华保险及1977年的堪萨斯火险公司等)，以购并方式买下的(1971年的家庭与汽车保险、1976年现已更名为中央火险的 Kerkling 再保险以及1977年的赛普路斯保险公司)，以及最后透过行销新业务-主要以国家保险名下进行的再保险业务所得。

The article is made of seven parts:1. The maritime cargo insurance ensures the international trade to perform;2. The concluding and performing of the contract;3. PICC cargo insurance;4. The claiming and compensation;5. The dissention and solving of the contract;6. The existent problem in the cargo insurance;7. Probe into the countermeasures.

本论文分为七个部分：一、海上货物运输保险是国际贸易顺利进行的重要保障；二、海上运输货物保险合同的订立及履行；三、PICC(The Peoples Insurance Company of China)海洋运输货物险；四、索赔与理赔；五、海上运输货物保险纠纷与处理；六、海上运输货物保险发展中存在的问题；七、海上运输货物保险发展对策探讨。

Chinese United Property Insurance Company is the country's second state-owned insurance companies,"the Xinjiang Construction Corps Insurance Company" by restructuring, the company was founded in July 1986 and is also the only "Chinese" state-owned title insurance company , a registered capital of 1.5 billion yuan.

中华联合财产保险股份有限公司是由全国第二家国有保险公司"新疆建设兵团保险公司"改制而成，公司始创于1986年7月，也是国内唯一以"中华"冠名的国有保险公司，注册资本为人民币十五亿元。

At this time, dose it collide to our Insurance Law §62 is doubtfully. If the insurance company investigate the Insured's anamnesis, he will know the Insured's health condition. But the insurance company does not do the investigation, it accept the insurance just according to the written answering coveage. In this time, although the Insured contravene §64（the duty of Truthful Representations of the Applicant）, but can the insurance company reduce it's obligative of attention, because of the §64? In my opinion, the §64 doesn't deservedly eliminate §62, they should can be coexist.

保险人若查阅被保险人之病历，则可得知被保险人之身体状态，但保险人并未调阅被保险人之病历资料，仅依照被保险人或要保人之书面回答事项，就予以承保，此时被保险人或要保人虽然有第六十四条据实说明义务之违反，但保险人是否因为第六十四条，即可以使自己之注意义务降低，本文认为，第六十四条并不当然排除第六十二条之适用，两者应可并存。

Any claimant under this insurance policy shall at the request and at the expense of the Insurance Company do and concur in doing and permit to be done all such acts and things as may be necessary or reasonably required by the Insurance Company for the purpose of enforcing any rights and remedies or of obtaining relief or indemnity from other parties to which the Insurance Company shall or would be entitled or subrogated to upon its paying for or making good any destruction or damage under the respective Section, whether such acts and things shall be or become necessary or required before or after his indemnification by the Insurance Company.

应保险公司的要求并由保险公司支付费用，本保险单项下的任何索赔人应完成、同意完成并允许完成为了实施任何权利或救济或者为了从其他第三方获得免责或赔偿（保险公司按各节规定，因就任何灭失或损害予以支付或者修复而应享有或有权享有该等免责或赔偿或取得该等免责或赔偿的代位求偿权）而可能必要的或者为保险公司合理要求的一切行为或事务，无论该等行为或事务在保险公司对其予以偿付之前或之后属必要或成为必要或者是必须的。

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。

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。

China Pacific Insurance Company was incorporated in Shanghai on April 26, 1991 as the first nationwide joint stock commercial insurance company in China.Approved by the State Administration for Industry and Commerce, the company was renamed "China Pacific Insurance Co., Ltd" on October 24, 2001 and divided into two controlled divisions, China Pacific Property Insurance Co., Ltd and China Pacific Life Insurance Co., Ltd. With more than 1100 branches and offices in major cities across China, the two divisions have formed well-established insurance service networks. Besides, the new company invested in setting up China Pacific Services Inc in the US, China Pacific Insurance H.K.

中国太平洋保险公司1991年4月26日在上海正式开业，是中国第一家全国性的股份制商业保险公司。2001年10月24日经国家工商行政管理总局批准，公司正式更名为&中国太平洋保险股份有限公司&，公司在国内控股投资设立中国太平洋财产保险股份有限公司和中国太平洋人寿保险股份有限公司，产、寿险公司在国内主要城市设有1100多个分支机构，拥有较为完善的保险服务网络。

Company Profile Italy Life Insurance Co., Ltd. is from Italy-Zhong Lee Insurance Company Limited and China National Petroleum Corporation joint venture life insurance company, in the January 15, 2002 by the China Insurance Regulatory Commission approved the establishment in Guangzhou, Companies registered capital of 1.9 billion yuan, China's accession to the WTO after the first Sino-foreign joint ventures were set up by insurance companies.

公司简介中意人寿保险有限公司是由意大利忠利保险有限公司和中国石油天然气集团公司合资组建的人寿保险公司，于2002年1月15日经中国保险监督管理委员会批准在广州成立，公司注册资本19亿元人民币，成为中国加入WTO后首家获准成立的中外合资保险公司。

Breath, muscle contraction of the buttocks; arch body, as far as possible to hold his head, right leg straight towards the ceiling (peg-leg knee in order to avoid muscle tension).

呼气，收缩臀部肌肉；拱起身体，尽量抬起头来，右腿伸直朝向天花板（膝微屈，以避免肌肉紧张）。

The cost of moving grain food products was unchanged from May, but year over year are up 8%.

粮食产品的运输费用与5月份相比没有变化，但却比去年同期高8％。