保险

In this paper,using annuity theory and combining with State Department′s 'the decision of establishing consolidated corporation employee pension system ',the actuarial model of pension substitute rate with different contributing years to employees is derived

利用年金理论并结合1997年国务院《关于建立统一的企业职工基本养老保险制度的决定》文件，得到我国职工在不同缴费年限下基本养老保险替代率精算模型，并利用该模型对基本养老保险替代率进行模拟分析。

Insurance, a form of risk management primarily used to hedge against the risk of a contingent loss, is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for a premium, and can be thought of a guaranteed small loss to prevent a large, possibly devastating loss.

保险是风险管理的一种形式，主要用于对冲意外损失的风险。就其定义而言，保险是通过支付保险费的方式使损失的风险从一个实体向另一个实体的公正的转移。保险可以说是通过承担一笔小额保证金来防止一次巨大的损失，甚至可能是惨重的损失。

Article 52 A life insurance contract is an insurance contract that takes the life and body of persons as the objects of insurance.

第五十二条人身保险合同是以人的寿命和身体为保险标的的保险合同。

We continue to have serious problems in the Homestate operation. Floyd Taylor in Kansas has done an outstanding job but our underwriting record elsewhere is considerably below average. Our poorest performer has been Insurance Company of Iowa, at which large losses have been sustained annually since its founding in 1973. Late in the fall we abandoned underwriting in that state, and have merged the company into Cornhusker Casualty. There is potential in the homestate concept, but much work needs to be done in order to realize it.

在Homestate家计保险业务方面，我们持续面临重大的问题，除了Kansas 的Floyd Taylor 外，其余的核保表现均在同业水准之下，其中Iowa保险，自1973年成立以来，每年皆发生钜额损失，直到去年我们决定结束该州的业务，并将之并入Cornhusker产险，家计保险概念其实也很大的潜力，但还需要很多努力才有办法实现它。

No cedant may countervail the expenses or incomes formed by the relevant original insurance contracts with the incomes or expenses formed by the reinsurance contracts.

再保险分出人不应当将再保险合同形成的收入或费用与有关原保险合同形成的费用或收入相互抵销。

In addition to the above or as otherwise provided in the China Insurance Regulatory Commission, the insurance companies should be taken to bank transfers and other non-cash charge premiums to cover insurance payments and surrender.

除上述或其他在中国保险监督管理委员会的规定外，保险公司应当采取银行转帐和其他非现金费用的保险费支付保险投降。

Agricultural insurance was in a critical state of asymmetric information, in particular of adverse selection problems.

农业保险发展缓慢的主要原因是由于保险公司内部原因，以及弱质农业本身在面临市场和自然双重风险威胁时，为农业保驾护航的农业保险却陷入了信息不对称引起的逆向选择问题。

An OTC drug product (except a dermatological, dentifrice, insulin, or lozenge product) for retail sale that is not packaged in a tamper-resistant package or that is not properly labeled under this section is adulterated under section 501 of the act or misbranded under section 502 of the act, or both.

b 保险包装的要求，(1)每个生产者和包装者，应将零售 OTC 药品装入保险包装内，若此药易受公众影响，该药应在内保存至售出。保险包装是内有一个或多个指示物或障碍物的药品包装。

In chapter 3, the difference competition in insurance product and service is studied.

由于保险市场开发有限，且保险产品极易被模仿，我国保险产品的差异化特征似乎并不明显。

The reinsurance is very important to disperser insurance management risk, stable account executive and expand the insurance ability of the insurance company. At the same time, it can influence the whole finance industry.

再保险对于分散保险经营风险，稳定业务经营、扩大保险公司承保能力，促进保险业的健康发展乃至整个金融秩序的稳定，具有非常重要的作用。

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。