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John Ringwalt's homestate operation now consists of five companies, with Kansas Fire and Casualty Company becoming operational late in 1977 under the direction of Floyd Taylor. The homestate companies had net premium volume of $23 million, up from $5.5 million just three years ago. All four companies that operated throughout the year achieved combined ratios below 100, with Cornhusker Casualty Company, at 93.8, the leader. In addition to actively supervising the other four homestate operations, John Ringwalt manages the operations of Cornhusker which has recorded combined ratios below 100 in six of its seven full years of existence and, from a standing start in 1970, has grown to be one of the leading insurance companies operating in Nebraska utilizing the conventional independent agency system. Lakeland Fire and Casualty Company, managed by Jim Stodolka, was the winner of the Chairman's Cup in 1977 for achieving the lowest loss ratio among the homestate companies. All in all, the homestate operation continues to make excellent progress.

John Ringwalt 负责的 Homestate 业务旗下主要包含五家公司，其中堪萨斯火险在 Floyd Taylor 筹备下于1977年底正式营运， Homestate 1977年的保费净收入达到2，300万美元，三年前不过只有550万美元，其余四家的年度综合比率都低于100，其中 Cornhusker 甚至只有93.8， John 在努力管理其它四家公司的同时，更让 Cornhusker 过去七年有六年的综合比率低于100，从1970年正式营运以来，该公司已顺利成为内布拉斯加州传统独立经纪系统的领导业者，至于由 Jim Stodolka 带领的 Lakeland 火险则荣获1977年主席杯的头衔，因为去年该公司的综合比率最低，总的来说， Homestate 集团的营运在去年大有进展。

John Ringwalt's homestate operation now consists of five companies, with Kansas Fire and Casualty Company becoming operational late in 1977 under the direction of Floyd Taylor. The homestate companies had net premium volume of $23 million, up from $5.5 million just three years ago. All four companies that operated throughout the year achieved combined ratios below 100, with Cornhusker Casualty Company, at 93.8, the leader. In addition to actively supervising the other four homestate operations, John Ringwalt manages the operations of Cornhusker which has recorded combined ratios below 100 in six of its seven full years of existence and, from a standing start in 1970, has grown to be one of the leading insurance companies operating in Nebraska utilizing the conventional independent agency system. Lakeland Fire and Casualty Company, managed by Jim Stodolka, was the winner of the Chairman's Cup in 1977 for achieving the lowestloss ratio among the homestate companies. All in all, the homestate operation continues to make excellent progress.

John Ringwalt负责的Homestate业务旗下主要包含五家公司，其中堪萨斯火险在Floyd Taylor筹备下于1977年底正式营运，Homestate 1977年的保费净收入达到2，300万美元，三年前不过只有550万美元，其余四家的年度综合比率都低于100，其中Cornhusker甚至只有93.8，John在努力管理其它四家公司的同时，更让Cornhusker过去七年有六年的综合比率低于100，从1970年正式营运以来，该公司已顺利成为内布拉斯加州传统独立经纪系统的领导业者，至于由Jim Stodolka带领的Lakeland火险则荣获1977年主席杯的头衔，因为去年该公司的综合比率最低，总的来说，Homestate集团的营运在去年大有进展。

Education2002/09-2003/12 Maastricht University, NetherlandsMaster of Social Security1989/09-1993/07 Renmin University of ChinaBachelorProfessional certificationFRMThe China Securities Association, a practicing certificateCurrent treatment minimum wage: RMB 530,004 / year = 44,167 / month × year fixed-DecemberExperience2007/07- present Union Life Beijing Company Compliance Risk Management Department / General Manager of Corporate Risk Management Committee Member and the Investment Management Committee members of BeijingReporting Objects: Company CROWork: Economic Capital Management asset-liability management comprehensive risk management Compliance Management Investment Risk Management Investment Performance Evaluation Management Legal Services Corporate Risk Management Committee Member, and the investment management committee members, participation in pension and asset management companies to build.2003/11-2007/06 Taikang Life Beijing Company Risk Management / Manager BeijingReporting object: department headWork: measuring market risk economic capital and credit risk economic capital integration of the entire company's economic capital, including the insurance risk and operational risk economic capital, economic capital internal controls and operational risk management a variety of risk analysis and asset liability management study capital management and capital allocation Risk Management and Performance Evaluation liability company-wide asset-liability management in the enterprise annuity on training and preparation for data preparation, as well as the preparation of Tyco pension.

教育背景2002/09-2003/12 荷兰马斯特里赫特大学社会保障硕士1989/09-1993/07 中国人民大学经济学学士专业证照FRM 中国证券协会执业证书目前待遇基本工资：人民币 530，004/年＝ 44，167 /月×全年固定12月工作经历2007/07-至今合众人寿北京总公司风险合规管理部/总经理公司风险管理委员会会员以及投资管理委员会会员北京汇报对象：公司CRO工作内容：经济资本管理资产负债管理全面风险管理合规管理投资风险管理投资绩效评估管理公司法律事务公司风险管理委员会会员以及投资管理委员会会员，参与养老金公司和资产管理公司筹建。2003/11-2007/06 泰康人寿北京总公司风险管理部/经理北京汇报对象：部门负责人工作内容：计量市场风险经济资本和信用风险经济资本整合整个公司旳经济资本，包括保险风险经济资本和业务风险经济资本内部控制和操作风险的管理各种风险的分析以及资产负债管理研究资本管理和资本配置风险管理和绩效评估负债整个公司资产负债管理参与企业年金的关于培训和筹备资料准备以及泰康养老金筹建。

There are six points below serving as reasons: firstly, solvency report reveals company's solvency status at certain time point and discrete view regarding quarter as discrete accounting period is consistent with ideas of insurance surveillance and management; secondly, deferrals and withdrawals in advance of expenses in integral view make confirmed assets and liabilities inconsistent with definitions of admitted assets and ranking liabilities; thirdly, taking into account cost and expenses of the entire year also brings unnecessary troubles to accounting measurement; fourthly,"integral view" is more dependent on professional judgment and estimate by accounting personnel, which is likely to lead to incomparability of company's solvency reports; fifthly, it is consistent with provisions of enterprise accounting standards of our country, which is convenient for company to compile solvency report; sixthly, it is in compliance with methods adopted by most developed countries, which is helpful for international comparison.

其原因有以下六点：第一，偿付能力报告反映公司在某一时点上的偿付能力状况，"独立观"将季度视为独立的会计期间与保险监管的理念一致；第二，一体观下费用的递延和预提使确认的资产和负债不符合认可资产和认可负债的定义；第三，会计估计考虑全年的成本和费用也给会计计量带来不必要的麻烦；第四，"一体观"较多地依赖于会计人员的职业判断和估计，可能会导致不同公司的偿付能力报告不可比；第五，与我国的企业会计准则的规定一致，便于公司编制偿付能力报告；第六，与多数发达国家采用的方法一致，有利于国际比较。

U.S. general aviation as a result of continued growth, the United States already have a complete general aviation industry, whose members include the following: United States aircraft manufacturers, parts manufacturers to the United States, the United States instrument avionics manufacturers, flight schools in the United States, the United States Flying Club, the United States Flight Simulator manufacturers, the United States maintenance base fixed, the United States airport development and management company, sales of U.S. aircraft, the U.S. aircraft leasing companies, aircraft broker the United States, the United States valued the company aircraft, the U.S. aircraft renovation company, the U.S. aircraft loans and insurance companies, property management companies to share the United States, the U.S. investment management business, the United States aviation fuel suppliers, the United States, such as security consultants.

由於美国通用航空的持续成长，美国已具备完整的通用航空工业，其成员包括：美国飞机制造商、美国零配件制造商、美国航空电子仪表制造商、美国飞行学校、美国飞行俱乐部、美国飞行模拟器制造商、美国固定维修基地、美国机场开发管理公司、美国飞机销售商、美国飞机租赁公司、美国飞机中介公司、美国飞机估价公司、美国飞机装修公司、美国飞机贷款和保险公司、美国产权分享管理公司、美国投资管理商、美国航油供应商、美国安全保障顾问公司等。

The sharp decline in the benchmark interest rate on the company's universal insurance is good news, the company's current billing rate remained at the highest level in companies than the 5-year time deposits was also higher than a percentage point, with more room for a downward adjustment . Universal settlement in 2009 will be a downward adjustment of interest rates is a long-term trend, but the company is likely to play in the industry,"vice squad" role in clearing interest rates to keep the relative advantages of this premium growth next year is an important driving factor.

基准利率的大幅下调对公司的万能险而言是一个好消息，目前公司的结算利率仍保持在各家公司中最高水平，比5年定期存款还高出1个百分点，具备较大的下调空间。09年万能结算利率向下调整将是一个长期趋势，不过公司很有可能在行业中扮演"副班长"角色，保持结算利率的相对优势，这也是明年保费持续增长的重要推动因素。

Hengming automobile chassis manufacturing co.,ltd,established in 1996,keeps in product innovation.we have a troop of outstanding and faithful staff.with constant development and progress,our company is in a position to supply products as follows:axle assy,brake drum,and wheel hub.the company has passed the iso9001.2000 quality authentication in april 2003.the people's liability insurance.the company has established a perfect marketing and after services system.our products receive hinh appraisal and satisfaction assessment from the broad masses of users.

本公司自1996年成立以来，一直秉承以人为本，科技创新、开拓进取、务实求精的宗旨、培养了一批技术过硬、工作尽职，与企业血脉相连的高素质员工队伍。企业产品不断创新开发，形成了车轴总成、制动豉、轮毂等三大系列产品。企业于2003年4月通过了iso9001.2000质量认证。所有产品由保险公司承担产品责任保险。公司建立完善的营销机制和售后服务体系，结交了一大批兄弟般情谊的海内外客户群体，深得用户信赖。

The Company currently has no insurance in force for its office facilities and operations and it cannot be certain that it can cover the risks associated with such lack of insurance or that it will be able to obtain and/or maintain insurance to cover these risks at economically feasible premiums.

公司办公设备和运作目前没有可行的保险，而且还不确定它是否能覆盖缺乏保险的风险，或者它可能会获得并且/或者维持保险用经济可行的保费覆盖这些风险。

The connection that expands as insurance and traffic carrying trade is increasingly close, the industrial catenary that is sure to be a center with traffic is formed stage by stage, the liaison man that includes industrial catenary front carries tool manufacturer, distributors, orgnaization of each insurance major, representative holding course of study concurrently and broker company, and the travel of insurance official estimate of industrial catenary back end, lawyer travel and hospital, carriage tool repairs business to wait.

随着保险业与交通运输业发展的联系日益紧密，以交通保险为中心的产业链逐步形成，包括产业链前端的交通运输工具制造商、销售商，各保险专业、兼业代理机构和经纪公司，以及产业链后端的保险公估行、律师行和医院、运输工具修理商等。

All insurance regulatory offices, all property insurance companies, China Ping An Insurance Joint Stock Limited Company

各保监办，各财产保险公司，中国平安保险股份有限公司

In the negative and interrogative forms, of course, this is identical to the non-emphatic forms.

。但是，在否定句或疑问句里，这种带有"do"的方法表达的效果却没有什么强调的意思。

Go down on one's knees;kneel down

屈膝跪下。。。下跪祈祷