查询词典 life insurance

This article analyzes the profit model of insurance companies in detail and validates the relevance between the prescripts which have been constituted by the China Insurance Regulatory Commission in the operation of insurance funds and the investment income of insurance companies through financial statements of the three companies, China Life, Ping An of China and China Pacific, which have been coming into A-stock market. It analyzes the relationship between the insurance company asset allocation and the funds income and risk of insurance companies by simulating the different insurance companies' earnings on different asset allocation and different equity investment yield, so as to arrive at the objective how to configure which prescripts to funds operation of insurance companies is reasonable, demonstrates the rationalities of insurance funds operation prescripts which have been constituted by the China Insurance Regulatory Commission, and considers the equity investment of insurance companies can be properly enhanced to thirty percent of total assets because China's economy will develop stably, chronically and at high-speed .

文中通过借助目前A股上市的中国人寿、中国平安和中国太保三家保险公司的报表详细地分析了保险公司的盈利模式，验证了保监会关于保险资金运用的管理规定与保险公司的投资收益率存在的相关性，并通过模拟在不同资产配置及不同股权投资收益率下保险公司最后的收益情况，用数据分析了保险公司资产配置与保险公司的资金收益和风险的关系，从而得出保险公司的资金运用怎样规定才是合理的，也论证了保监会对保险资金运用的管理规定的合理性，并认为在我国经济仍将长期稳定高速发展的情况下，可适当将保险公司的股权投资比例提高到总资产的30%。

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。

Group under the China Life Insurance Co., Ltd., China Life Asset Management Co., Ltd., China Life Insurance Company Limited, China Life Property Insurance Co., Ltd., China Life Insurance Annuity Insurance Company, State Investment Holdings Limited, as well as life insurance vocational colleges, schools, etc. Chengdu insurance companies and institutions.

集团公司下设中国人寿保险股份有限公司、中国人寿资产管理有限公司、中国人寿保险股份有限公司、中国人寿财产保险股份有限公司、中国人寿养老保险股份有限公司、国寿投资控股有限公司以及保险职业学院、成都保险学校等多家公司和机构。

Group under the China Life Insurance Co., Ltd., China Life Asset Management Co., Ltd., China Life Insurance Company Limited, China Life Property Insurance Co., Ltd., China Life Insurance Annuity Insurance Company, State Investment Holdings Limited, as well as life insurance Vocational College, Chengdu insurance companies and other schools and institutions.

集团公司下设中国人寿保险股份有限公司、中国人寿资产管理有限公司、中国人寿保险股份有限公司、中国人寿财产保险股份有限公司、中国人寿养老保险股份有限公司、国寿投资控股有限公司以及保险职业学院、成都保险学校等多家公司和机构。

Hull war risk is an independent insurance separated from hull insurance, which posses some characteristics of hull insurance, the principles of the hull insurance therefore apply to it. On the other hand, the fact that the hull war risk become an independent insurance illustrates that it has some special natures such as the risks it covers are exclusive, the premiums categorize general and special one, the Notice of Termination Clause is so distinguished that not covered by the hull insurance. However, PICC hull war risk insurance is an additional insurance to its hull insurance, which is improper as an independent risk.

船舶战争险是从船壳险中分离出来的独立风险，它具有与船壳险相同的特征，保险法的基本原则同样适用于战争险；另一方面，船舶战争险能够成为独立的风险，说明它具有不同于船壳险的特征，它承保的风险具有专属性，它的保费分为一般保费和特殊保费，它的通知终止条款是船壳险所没有的……但是，中国人保船舶战争险却是船壳险的附加保险，与战争险作为独立风险的性质不相适应。

The thesis tends to investigate the establishment of the insurance cycle score and business cycle of the premium of new business. We utilize six kinds of different insurance of new business to be our investigate object, that including ordinary life insurance, group life insurance, individual health insurance, group health insurance, personal accident insurance and group accident insurance. Besides observing fluctuate of the firsthand information, we used the maximum likelihood estimation to estimate the unknown parameter of Markov switching models. Try to cognizance the peak and the trough of business cycle.

本研究在探讨保险新契约之保费的景气循环状况与景气分数的制定，其中我们利用六种不同的保险新契约保费当研究对象，包括个人人寿保险保费、团体人寿保险保费、个人健康保险保费、团体健康保险保费、个人伤害保险保费和团体伤害保险保费，除了观察原始资料的波动外，亦采用最大概似估计法来估计马可夫转换模型的未知参数，尝试著去认定景气循环的高峰与谷底。

Haier New York Life Insurance Co., Ltd. is the Haier Group in Qingdao Haier's investment in the development of the United States and New York Life Insurance Company Limited is jointly funded and set up a joint venture life insurance company, the China Insurance Regulatory Commission approved, on November 28, 2002 official The establishment, is now a registered capital of 420 million yuan, based in Shanghai, specifically for the community to provide all types of life insurance, health insurance and personal accident insurance and other products.

海尔纽约人寿保险有限公司是由海尔集团旗下的青岛海尔投资发展有限公司和美国纽约人寿保险公司共同出资设立的一家合资寿险公司，经中国保险监督管理委员会批准，于2002年11月28日正式成立，注册资本现为人民币4.2亿元，总部设在上海，专门为社会大众提供各类人寿保险、健康保险和人身意外伤害保险等产品。

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。

Different risks have different insurance needs, and therefore, for the purchase of personal loan business, at least three types of insurance required : First, the housing mortgage property insurance, the main victims of accidents and protect property damaged by natural disaster risks; Second, lenders regular credit life insurance, principal owing on the loan guarantee period by the lender or accidental injury and disease incapacity or death situation, banks can secure their loans, lenders families can continue to live; Third mortgage purchase a performance bond insurance, in which insurance, the insurance companies play the role of the guarantor to charge a premium for the purchase of security costs, credit for the purchase and the provision of economic security, as was the guarantor for death, unemployment causes an inability owing on the loan, the 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.

不同的风险有不同的保险需求，因此，对于个人贷款购房业务，起码需要三类保险的保障：一是抵押住房的财产保险，主要保障房产遭受意外事故和自然灾害毁损的风险；二是贷款者的定期信用人寿保险，主要保证还贷期内在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，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，在这种保险中，保险公司扮演了担保人的角色，向购房人收取一定的保险费作为担保费，并为购房人的经济信用提供担保，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或向投保人追回赔款。

A carrier gas such as nitrogen is directed through line 20 and valve 22 to connect with line 26 and mix with the gas sample.

如氮气之类的载体通过管线20和阀22引入，与管线26相通，与气体样品混合。

But for the most part, knaves and parasites had the command of his fortune

然而支配他的家产的大多是恶棍和寄生虫。