保险

Fighting against insurance swindling is the duty of the insurance company and the whole society.

反保险欺诈是保险公司以及全社会的共同职责，我们应该化解保险市场中信息不对称的问题，强调最大诚信原则在保险法中的重要地位，并借助于国外的经验，采用相应的对策同保险欺诈行为作斗争。

To return pro rata monthly net for each uncommenced month if this insurance be cancelled either by agreement or by the operation of Clause 2 provided that a total loss of the Vessel, whether by insured perils or otherwise, has not occurred during the period of this insurance or any extension thereof.

每一未开始的月份的净保险费按月比例退还。如果本保险经协议或由于第2条的作用而解除，假如在本保险的保险期间内或其延续期间内未发生保险船舶的全损，不论是否由于承保危险所致。

Nevertheless, auditors annually certify the numbers given them by management and in their opinions unqualifiedly state that these figures "present fairly" the financial position of their clients. The auditors use this reassuring language even though they know from long and painful experience that the numbers so certified are likely to differ dramatically from the true earnings of the period. Despite this history of error, investors understandably rely upon auditors' opinions. After all, a declaration saying that "the statements present fairly" hardly sounds equivocal to the non-accountant.

大家应该对保险公司的盈余数字时时抱持怀疑的态度，(当然也包含我们公司本身，事实证明确是如此)，过去十年来的记录显示，有许多显赫一时的保险公司报告给股东亮丽的盈余数字最后证明只不过是一场空，在大部分的情况下，这种错误是无心的，我们诡谲多变的司法制度，使得就算是最有良知的保险公司都无法准确预测这类长期保险的最终成本。

Taking the characteristics of the liability insurance and the life insurance which has the characteristic of the indemnity into account, the author advices that we can take South Korean commercial law for reference with explicitly analogizing the articles of the double insurance.

同时针对责任保险、具有损害补偿性质的人身保险中无法也不可能确定保险利益价值的特征，本文提出可借鉴韩国商法的做法，通过条文明确类推适用重复保险相关规则的规定。

A lot of studies on insurance were from the standpoint of insurance companies and discoursed upon the application of insurance funds and risks assessment.

许多保险研究大都站在保险公司的立场上，对保险公司的保险资金运用及风险评估进行论述。

Based upon above-mentioned factors, pursuing the change of international hull insurance and lucubrating development and change of theory and practice in hull insurance and protection Sindemnity at home and abroad, especially for the development of insurance practice appears to more important.

此时，追踪国际船舶保险的变化，深入研究国内外船舶保险和船舶保赔保险的理论和实务的发展变化，特别是在保险实务的发展的就显得更加重要了。

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.

1922年州农保险由伊利诺州 Merna 的农夫 George Mecherle 所创立，年州农保险由伊利诺州所创立，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，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，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，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，立于年的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，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。

It includes the following measures: firstly, we should improve the internal control mechanisms of insurance company; Secondly, we should set up a scientific recompenses systems; thirdly, we should take some measures to develop the insurance law construction, and seriously crack down insurance frauds; fourthly, we should set up sharing-and-handling information center; In addition, we must constantly raise our awareness for harmfulness of insurance fraud.

主要体现在完善保险公司内部监管机制；建立科学的理赔规程；加大保险法制建设，严厉打击保险欺诈；建立资源信息共享和处理中心；此外，还要不断提高人们对保险欺诈危害性的认识。

Insurance assessment organization came into being at the very beginning for the purpose of relieving contradictions in the settlement of claims resulted from asymmetric information in insurance market, which is a typical market of information asymmetry.

保险市场是典型的信息不对称市场，保险公估人最初就是为了缓解保险当事人在保险理赔活动中由于信息不对称而出现的矛盾而产生的。

Insurance of persons business which includes life insurance, health insurance and accident and injury insurance.

人身保险业务，包括人寿保险、健康保险、意外伤害保险等保险业务

The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应，而且减少跟风的可能性。