保险

This article from insurance stipulations and standardization of necessity, advantage and realize insurance stipulations and normalized measures for.

本文从保险条款通俗化和规范化的必要性、优越性及实现保险条款通俗化和规范化的措施进行了论述。

In 1922, State Farm was formed by George Mecherle, a farmer from Merna, Illinois, who aimed to take advantage of the pricing umbrella maintained by the high-cost giants of the industry. State Farm employed a "captive" agency force, a system keeping its acquisition costs lower than those incurred by the bureau insurers (whose "independent" agents successfully played off one company against another). With its low-cost structure, State Farm eventually captured about 25% of the personal lines business, far outdistancing its once-mighty competitors. Allstate, formed in 1931, put a similar distribution system into place and soon became the runner-up in personal lines to State Farm. Capitalism had worked its magic, and these low-cost operations looked unstoppable.

1922年州农保险由伊利诺州Merna的农夫George Mecherle所创立，目标锁定在打破业界掮客所树立的高价保护伞，州农雇用专属中介人员，这套系统让州农取得保单的成本远低于一般保险同业，其独立业务代表接二连三成功地搞倒其它业者，拜其低成本结构所赐，州农最终拮取25%的个人业务大饼，含车险及住宅险在内，远远超越昔日强大的竞争对手，而创立于1931年的Allstate也仿效设立类似的行销通路，并一举跃居第二，仅次于州农，资本主义再度发挥神奇的效用，而这种低成本的营运确已势不可挡。

In 1922, State Farm was formed by George Mecherle, a farmer from Merna, Illinois, who aimed to take advantage of the pricing umbrella maintained by the high-cost giants of the industry. State Farm employed a "captive" agency force, a system keeping its acquisition costs lower than those incurred by the bureau insurers (whose "independent" agents successfully played off one company against another). With its low-cost structure, State Farm eventually captured about 25% of the personal lines business, far outdistancing its once-mighty competitors. Allstate, formed in 1931, put a similar distribution system into place and soon became the runner-up in personal lines to State Farm. Capitalism had worked its magic, and these low-cost operations looked unstoppable.

1922年州农保险由伊利诺州Merna的农夫George Mecherle所创立，目标锁定在打破业界掮客所树立的高价保护伞，州农雇用专属仲介人员，这套系统让州农取得保单的成本远低于一般保险同业，其独立业务代表接二连三成功地搞倒其它业者，拜其低成本结构所赐，州农最终拮取25%的个人业务大饼，含车险及住宅险在内，远远超越昔日强大的竞争对手，而创立于1931年的Allstate也仿效设立类似的行销通路，并一举跃居第二，仅次于州农，资本主义再度发挥神奇的效用，而这种低成本的营运确已势不可挡。

For people who must pay for their own insurance, rising costs have far outstripped increases in earnings.

对于必须自掏腰包买保险的人群，保险费用的增加远远超出了收入的增长，于是不上保险的人多了。

The problem is, Wall Street penalizes companies that have more of this kind of insurance, because they are going to lag behind companies that don't take on the expense.

问题在于华尔街不公平地对待这些做了此类保险措施的公司，因为他们会拖没做此类保险投资的公司的后腿。

The problem is, Wall Street penalizes companies that have more of this kind of insurance, because they are going to lag behind companies that don't take on the expense.

问题在于华尔街不公平地对待这些采取了此类保险措施的公司，因为他们会拖没做此类保险投资的公司的后腿。

Wednesday's Wall Street rally, which appeared to start once word of an attempt by the New York insurance regulator to broker a bail-out for the bond insurers got around, further suggests that credit is what truly preoccupies the stock market.

此前，有关纽约保险监管机构试图为给债券保险公司纾困的行动牵红线的传言一经传播开来，华尔街股市立现涨势。

Leaders and decision-making persons use it to collect the data, including the information of unit work, handing in fee, oweing fee, prepaying fee,changing and afterpaying and account transfering of joining-insurance employee, and account paying of all kinds of insurances from hospitalization insurance institutions.The collected data is picked up, organized, switched and showed to user.

该子系统主要面向各级领导、决策分析人员；从各个医疗保险经办机构和定点医疗机构采集数据，包括在各个医疗保险经办机构处理的单位办公信息，单位缴费、欠费、预缴费信息，参保职工变更信息，参保职工增减变动信息，参保职工补缴信息，参保职工帐户划拨信息：包括各定点医疗机构处理的各险种帐户支出信息，各险种的统筹金支付信息等；将采集的数据提取，组织和转换，然后展示给用户。

This article attempts to start from health insurance professionalizing, and based on the summing-up of the old studies, in allusion to the controllable factors in development of health insurance, to focus on the substantive aspects of the health insurance business, in order to do some help for the healthy development of the insurance companies.

近年来健康保险成为专家学者热门研究课题，从商业医疗保险的存在问题，市场空间，发展前景，经营策略，市场开发，风险控制等各方面进行探讨，专门针对医疗服务提供者的制约与控制问题进行研究则是热中之热，管理式医疗已经成为理论界和业界的基本共识。

The market size is increasing, Consumers awareness is improving, and insurance regulations are strengthened and rationalized.

整个市场规模在不断扩大，消费者的保险意识在不断提高，保险监管也在不断加强和更加合理化。

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。