保险

The responsibilities of the States body in charge of insurance management are:toformulate insurance industry policy and guidelines, to approve the establishment of insurance enterprises, to direct and supervise the business activities of insurance enterprises, to examine and decide on basic insurance clauses and insurance rates, to examine the accounting books and statements of insurance enterprises, and to levy economic penalties including ordering a cessation of business on those insurance enterprises which during their operation take actions which violate the States laws, regulations and policies, or harm the legal interests of insured parties.

国家保险管理机关的职责是：拟定保险事业的方针、政策，批准保险企业的设立，指导、监督保险企业的业务活动，审定基本保险条款和保险费率，检查保险企业的会计帐册和报表单据，并对保险企业在经营业务中违反国家法律、法规、政策、或者损害被保险方的合法利益的行为，给予经济制裁，直至责令其停业。

C Where the assured has no insurable interest throughout the currency of the risk, the premium is returnable, proviede that this rule does not apply to a policy effected by way of gaming or wagering; Where the assured has a defeasible interest which is terminated during the currency of the risk, the premium is not returnable; Where the assured has over-insured under an unvalued policy, a proportionate part of the premium is returnable; Subject to the foregoing provisions, where the assured has over-insured by double insurance, a proportionate part of the several premiums is returnable; Provided that, if the policy are effected at different times, and any earlier policy has at any time borne the entire risk, or if a claim has been paid on the policy in respect of the full sum insured thereby, no premium is returnable in respect of that policy, and when the double insurance is effected knowingly by the assured no premium is returnable.

c 如果在整个风险存在期间，被保险人无保险利益，保险费可予退回，但这一规则对赌博性保险单不适用。如果被保险人的可撤销的利益于风险存在期间终止，则保险费不能退回。如被保险人不定值保险单中超额保险，保险费得按比例退还一部分。除前述条款另有规定外，若被保险人经重复保险而超额保险，几笔保险费按比例退还。但是，如果几份保险单在不同时间开始生效，任何较早订立的保险单已在任何时间承保整个保险，或保险单已就全部保险金额支付赔偿，该保险单项下的保险费不能退回；若被保险人在明知的情况下订立重复保险，保险费不予退还。

Firstly, the thesis mainly deals with major social pension system problems of market economy such as its target and orientation, pattern and degree in the condition of market economy. Then, I analyze numerous systems that constitute the reform of social pension system such as system construction, mechanism construction and institution construction, expounding the social pension system"s reform from system, mechanism, and institution three aspects in the way of from exteriority to interiority, from far - side to near - side, from low - level to high -level.At last, I put forward specific train of thought about how to perfect the social pension system"s reform, Analyzing the specific train of thought constituting pension balance through the analysis of pension balance through the analysis of the prediction the revenue and expenditure of pension.Analyzing the particular train of thought that further adjusting and improving the basic social pension budget through real calculation and research. Analyzing the system bound and developing direction of free employees through actual research. All these have key practical and deeply strategic significance in enriching reform theory, exploring reform method, instructing reform practice, as well as promoting the coordination of society and economy.

本论文既从系统和环境的观点出发，研究了市场经济条件下养老保险改革的目标和方向、养老保险制度模式、养老保险保障程度等涉及养老保险体系基本定位的问题；又从整体和局部的关系出发，分析研究了构成养老保险改革的制度建设、机制建设和体制建设等诸多子系统，从制度、机制和体制建设三个层面由表及里，由近及远，从低层次到高层次，由微观到宏观论述养老保险改革；在此基础上，提出市场经济条件下完善养老保险改革的具体思路，通过实际测算和调研，研究基本养老金计发办法进一步调整和完善的具体思路；通过实际调研，研究灵活就业者参保的体制障碍和发展方向；通过基金收支预测实证分析，研究构建基金平衡机制的具体措施，探索论证养老保险改革思路的可行性；这对于丰富养老保险制度改革理论，探索改革思路，指导改革实践，促进社会经济协调发展，都具有重要的现实意义和深远的战略意义。

Aim at the reality of our country's construction market; the thesis discusses the need and pressure of establishing engineering insurance system. For the problems in developing engineering insurance market, the thesis gives advice on priority of choosing the type of insurance in China, by analyzing main risk in a project, using advanced experience of developed countries, and comparative research. Then, analyze the supervision of engineering insurance, and raise the point of designing the supervising system of it. This can protect its health development. At the same time, compare relative laws in this field in both China and other countries,then give suggestions on juristical problems of carrying out engineering insurance that should be solved immediately. It's the law protection of the system. At last, draw a conclusion at strategy and suggestion of establishing and carrying out the system.

本文针对目前我国建筑工程市场现存的问题，阐述推行工程保险的必要性和紧迫性；针对工程保险市场发展存在的问题，从主要的工程风险分析入手，借鉴国外发达国家的先进经验，在比较研究基础上，提出我国在险种选择和开展优先级别上的建议；在此基础上通过对工程保险监管的分析，提出构建我国工程保险监管制度的构想，从监管的角度为工程保险的发展提供良好的环境；同时再次运用比较的方法，从国内外工程保险相关法律异同分析，提出我国推行工程保险制度待解决的法律问题，为工程保险体系的构建提供法律保障；最后综合提出我国在推行构建工程保险制度的实施策略和建议。

In application, it will learn about property insurance,life insurance,liability insurance,reinsurance, it is include the knowledge about each class of the insurance, that is the object,liability,preclusive liability,rate of insurance.

保险实务中有关财产保险、人身保险、责任保险、再保险等知识；学习四大类保险中每类保险中的具体险种的知识，包括有关保险标的、保险责任、除外责任、费率等相关内容。

According to the responsibility scope of the work-related injury insurance and personal accident insurance, the causes of the insurance concurrence are the reduplicate items and the conflict of the work-related injury insurance and personal accident insurance.

根据工伤保险与人身意外伤害保险的责任范围，保险竞合是由于工伤保险与人身意外伤害保险在条款上的冲突或重合而造成的，从竞合的法理内涵可以推出保险竞合是竞合的一种，属于责任竞合的范畴，并且是一种广义的竞合；解决保险竞合的方式一般有分别以保险、法理和市场为基础的三种模式；对这三种模式进行对比分析和实证分析后，得出以市场为基础的模式是处理保险竞合的最佳方式。

Bɑsed on the nɑtionɑl conditions in Chinɑɑnd mɑny yeɑr's experience developing ɑgriculturɑl insurɑnce,this pɑper suggests 6 countermeɑsures ɑimed ɑt developing ɑgriculturɑl insurɑnce in Chinɑ:Enhɑncing the insurɑnce consciousness of fɑrmers ɑnd mɑke ɑ trɑnsition from relying on government to self-guɑrɑntee in relief to ɑgriculture;Bɑcking up the ɑgriculturɑl insurɑnce in policy;Estɑblishing ɑ new system of compensɑtion for ɑgriculturɑl cɑlɑmities on the bɑsis of domestic conditions;Integrɑting the operɑtio...

从我国的基本国情出发，总结我国发展农业保险的多年经验，提出了发展我国农业保险的六大对策：强化广大农民的保险意识，使农业救灾从依赖政府向自我保障转换；对农业保险给予政策上的支持；依据国情，建立新的灾害补偿制度；农业保险的经营要与农村经济的发展有机地结合起来；建立国家农业保险公司的同时，根据不同地区的经济发展水平，实行农业保险的多种经营模式；加强农业保险管理机构的建设，重视农业保险人才的培养

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。

Warranted that no insurance on any interests enumerated in the foregoing 2011 to 2017 in excess of the amounts permitted therein and no other insurance which includes total loss of the Vessel PPI, FIA, or subject to any other like term, is or shall be effected to operate during the currency of this insurance by or for account of the Assured, Owners, Managers or Mortgagees Provided always that a breach of this warranty shall not afford the Underwriters any defence to a claim by a Mortgagee who has accepted this insurance without knowledge of such breach

保证上述第2011项至2017项所列任何利益的保险不超过所允许的保险金额，并不得有由被保险人、船东、管理人或抵押权人或以其名义在本保险期内安排原或将安排的包括保险船舶的PPI， FIA，或受任何其他类似条款制约的全损保险在内的其他保险。保险人不得以违反本保险为由，抗辩在接受本保险时不知道此项违反的抵押权人提出的索赔。下列各条是首要条款，本保险中任何与下列各条不一致的规定，均属无效。

Based on the introduction about principle and the basis knowledge of the insurance, the foreign trade insurance emphases on the explanation of import and export goods transportation insurance, the property insurance, the liability insurance, the credit insurance and the life insurance and so on.

外贸保险从介绍保险的基本原理和基础知识入手，重点讲解进出口货物运输保险，财产保险，责任保险，信用保险和人身保险等涉外保险业务；介绍我国目前开设的涉外保险险种以及涉外保险业务的具体做法。

Neither the killing of Mr Zarqawi nor any breakthrough on the political front will stop the insurgency and the fratricidal murders in their tracks.

在对危险的南部地区访问时，他斥责什叶派民兵领导人对中央集权的挑衅行为。

In fact,I've got him on the satellite mobile right now.

实际上 我们已接通卫星可视电话了