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In this paper, the status of my health insurance, the analysis of the development process and to identify existing problems and difficulties, and further proposed to create a rapid development environment, increased health insurance policy to support efforts to professionalize the business and improve the health insurance service system, make great efforts to train professional personnel such as health insurance response.

本文从我国健康保险的现状出发，分析并找出了发展过程中存在的诸多问题和困难，并进一步提出了营造快速发展的环境、加大健康保险的政策支持力度、实现专业化经营、完善健康保险的服务体系、大力培养专业健康保险人才队伍等对策。

It emphasizes some ordinances with more disputes but faultiness or losing in legislation, and make relevant suggestion: that the insurer exercising the right of subrogation should justify paying the insurance compensation; the insurance compensation of inadequate insurance should be distributed by proportion ,according to the proportion of insurance subject matter assumed by the insurer and the insured; the definite items of the staple of the insured"s synergic obligation , the cost of exercising the synergic obligation should be stipulated by the law; and if the insured doesn"t exercise synergic obligation, he or she should liable for relevant legal responsibility etc.

本文以我国保险代位权的立法现状为出发点，以民商法基本理论为立足点，结合海内外的最新研究成果，将理论研究与实践相结合，运用历史分析、比较分析与实证分析的研究方法，从法学、社会学角度进行分析研究，并取得了以下研究成果：论文构筑了一个对保险代位权研究的综合分析框架；指出保险立法不完善及某些方面冲突等原因，导致保险代位权在实践中未充分发挥作用；提出保险代位权的本质是法律给予保险人减少风险损失的手段，是对社会资源加以公平配置的方式；损害赔偿金在保险人和被保险人之间的分配原则：按照他们各自对保险标的承担的风险比例进行分配；指出在人身保险中不适用代位权以及保险人有权对公法人行使代位权等观点。

As we know, the insymmetry of medical information, the great ethical background and the indefinition of medical expenses, have greatly increase the supervising difficulty of medical insurance. It has been proved that we cannot control the growth of medical expenses simply by the enhancement of the supervision measures of insurance institutions. It is not the optimum choice. Through the analysis to behavior of the insurance institutions, medical agencies and the insurants, this paper has drawn a conclude that the fundamental reason of moral risk is the "third-party payment" social medical insurance system.

为了减少因道德风险而高涨的医疗费用，最安全的措施莫过于同时对医疗机构和被保险人进行监管，由于医疗信息的不对称，医疗消费浓重的伦理性色彩以及医疗消费的不确定性，增加了医保机构监管的难度，实践证明控制道德风险引发的医疗费用上涨，加大保险机构工作人员监管力度，往往不能达到预期的效果，显然不是一个最优的策略选择。

Enterprises that are required by the State provisions to have the third-party liability insurance, traveler's accident insurance and marine hull insurance shall produce evidences of such insurance.

国家规定必须办理第三者责任保险、旅客意外伤害保险和船舶保险的，还须提供保险证明。第九条设立水路运输服务企业，应当具备下列条件

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。

Two types of insurance - term life insurance and whole life insurance are very popular life insurance options available.

两种保险的寿险和终生寿险保险很受欢迎的选择。

Of crisis-affected large enterprise production and management difficulties, Chongqing lighten the burden of social insurance, from December 1, 2008 to November 30, 2009, the city's urban workers on the basic old-age insurance scheme enterprise old-age insurance premiums deferable 5 percentage points, the basic medical insurance for urban workers, reduce the proportion of enterprises to pay 2 percentage points, will enable enterprises reached 2.3 billion burden.

对受金融危机影响较大、生产经营困难的企业，重庆减轻企业社会保险费负担，从2008年12月1日至2009年11月30日，对全市城镇职工基本养老保险参保企业缓征养老保险费5个百分点，城镇职工基本医疗保险企业缴费比例降低2个百分点，可使企业减负达23亿元。

And indicates that assuring the insurance must possess five elements: firstly, existent of insurable risk; secondly, congregation and disgregation of many homogeneous risks; thirdly, rating of insurance premium rate; fourthly, setting up insurance capital; fifthly, making the insurance contract.

指出保险的确立必须具备五个要素：一是可保风险的存在；二是大量同质风险的集合与分散；三是保险费率的厘定；四是保险基金的建立；五是保险合同的订立。

Then the importance is t o firmly believe the specific substance of insurance interest in property insurance. In this base, I inquire into two lawful questions about insurance interest in property insurance such as stealage and theminus value of property.

首先阐述了财产保险利益的成立要件、表现形态；其次，在中国《保险法》未对财产保险利益的内容明确规定的情形下，将该部分重点落脚于对财产保险利益的具体认定，以深入理解财产保险利益；最后，在此基础上对财产保险利益中的两大疑难法律问题即被盗窃财产和价值为负数财产的保险利益问题进行了探讨，从而更深入准确地把握财产保险利益的内涵。

If assessors use superiority of information to assess unsuitably or they do not do justice to insurance parties, it will influence benefit of insurance parties. Insurance assessment organization institution is an important part of insurance agency system.

保险公估人制度是保险中介制度的重要组成部分之一，如何更好的完善我国已经初步建立的保险公估人制度，在规范保险公估市场和约束保险公估从业人员行为等方面发挥作用，促进保险公估市场的良性发展，进而推动整个保险市场的发展，是一个亟待解决的问题。

I didn't watch TV last night, because it .

昨晚我没有看电视，因为电视机坏了。

Since this year, in a lot of villages of Beijing, TV of elevator liquid crystal was removed.

今年以来，在北京的很多小区里，电梯液晶电视被撤了下来。