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Article 22 When a claim for indemnity or payment of the insurance benefits is lodged with the insurer after the occurrence of an insured event, the applicant, the insured or the beneficiary shall, to the best of their knowledge and ability, provide the insurer with evidence and information which is relevant to ascertain the nature of, the cause for and the extent of the loss due to the occurrence of the insured event.

第二十二条保险事故发生后，依照保险合同请求保险人赔偿或者给付保险金时，投保人、被保险人或者受益人应当向保险人提供其所能提供的与确认保险事故的性质、原因、损失程度等有关的证明和资料。

Coinsurance: Insurance where a number of insurer s share the risk or where insured and insurer share the risk.

联合保险：由若干承保人分担风险，或受保险人和承保人分担风险的保险方式。

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。

Where there is a loss recoverable under the policy, the insurer, or each insurer if there be more than one, is liable for such proportion of the measure of indemnity as the amount of his subscription bears to the value fixed by the policy in the case of a valued policy, or to the insurable value in the case of an unvalued policy.

（1）被保险人在其保险单项下能得到的损失赔偿叫做赔偿限额。对不定值保险单，赔偿限额是保险标的的全部保险价值；对定值保险单，赔偿限额是保险单中的约定保险价值。（2）在损失根据保险单可以得到赔偿之场合，保险人（或两个以上的保险人中的任何一

1Where the policy contains a suing and labouring clause, t he engagement thereby entered into is deemed to be supplementary to the contrac t of insurance, and the assured may recover from the insurer any expenses properly in curred pursuant to the clause, notwithstanding that the insurer may have paid for a tota l loss, or that the subject matter may have been warranted free from particular avera ge, either wholly or under a certain percentage.

若保险合同中含有施救条款，则该项约定应视为对保险合同的补充。被保险人得因履行该条款所产生的一切合理费用，向保险人请求赔偿，即使保险人已经赔付全损，或者该保险标的已经订明单独海损之全部或一定的百分比以下不赔，亦不影响该项费用之赔偿。

The Insurer shall be entitled to make inspections as to the security condition of the insured property, and shall, in case of any potential unsafe factors being discovered, make reasonable recommendation to the Insured in good time for the removal thereof and the Insured shall take measures to eliminate them without delay, failing which he shall be liable for any less arising from an insured event caused thereby, and the Insurer shall exenterate himself from liability.

保险方可以对被保险财产的安全情况进行检查，如发现不安全因素，应及时向投保方提出消除不安全因素的合理建议，投保方应及时采取措施消除。否则，由此引起保险事故造成的损失，由投保方自己负责，保险方不负赔偿责任。

If, due to the fault of the insured, the insurer cannot subrogate the insured to exercise the right to claim for indemnities, the insurer shall reduce the payment of insurance money correspondingly.

由于被保险人的过错致使保险人不能行使代位请求赔偿的权利的，保险人可以相应扣减保险赔偿金。

The Insurer may make compensation in advance according to the provisions of the contract if the Insured claims against him, in such case, however, the Insured shall subrogate to the Insurer the right of recovery against the third party and assist the latter in pursuing such recovery.

如果投保方向保险方提出赔偿要求时，保险方可以按照保险合同规定，先予赔偿，但投保方必须将向第三者追偿的权利转让给保险方，并协助保险方向第三者追偿。

A sub-reinsurance contract under which an insurer cedes a reinsurance business which is ceded to it to another insurer shall be subject to the present Standards .

保险人将分入的再保险业务转分给其他保险人而签订的转分保合同，比照本准则处理。

Article 2The term "reinsurance contract" refers to an insurance contract under which the insurer cedes a certain portion of a premium to another insurer and the reinsurance acceptor makes compensation to the cedant for the compensation cost and other relevant expenses arising from the original insurance contract.

第二条再保险合同，是指一个保险人分出一定的保费给另一个保险人，再保险接受人对再保险分出人由原保险合同所引起的赔付成本及其他相关费用进行补偿的保险合同。

On the other hand, the more important thing is because the urban housing is a kind of heterogeneity products.

另一方面，更重要的是由于城市住房是一种异质性产品。

Climate histogram is the fall that collects place measure calm value, cent serves as cross axle for a few equal interval, the area that the frequency that the value appears according to place is accumulated and becomes will be determined inside each interval, discharge the graph that rise with post, also be called histogram.

气候直方图是将所收集的降水量测定值，分为几个相等的区间作为横轴，并将各区间内所测定值依所出现的次数累积而成的面积，用柱子排起来的图形，也叫做柱状图。