保险

Since the reinstitution of the agricultural insurance in 1984 in Jiangsu, to some extent, some results have been achieved, but there are still some problems: the participation of the agricultural is low, the loss ratio is high and the premium collection can not cover the loss, these can not maintain the business of agricultural insurance companies.

江苏农业保险自1984年恢复试办以来，取得了一定的成绩，但是仍然存在大量问题；农户的农业保险参与率过低，损失率高且支出大于收入等使得商业性保险公司难以维持日常的经营。

In the field of insurance, moral hazards occur not only in direct insurance transactions, but also in reinsurance transactions.

保险领域的道德风险，不仅发生在直接保险交易中，而且也发生在再保险交易中。

Article 11. The PICC is a State enterprise engaged in national insurance and reinsurance business.

第十一条中国人民保险公司是在全国经营保险、再保险业务的国营企业。

It is necessary to supervise the innovation of reinsurance.

第二，再保险创新与再保险监管的关系始终是矛盾的对立统一；对再保险创新进行监管是必须的。

The Financial reinsurance is a new way for risk transference; it can not solve any problems of insurance companies.

财务再保险是一种新型风险转移工具，但是财务再保险并不能解决保险公司存在的任何财务问题。

In a report issued last December, Munich Re, the world's largest reinsurer, or insurer of insurance companies, noted that the number of natural disasters has increased more than fourfold since the 1950s.

世界最大的再保险商，即为保险公司提供保险的墨尼黑再保险公司在去年十二月份发行的一份报告中指出，自20世纪50年代以来，自然灾害的数量已经增长了四倍有余。

This paper concerns the problem of how to purchase the reinsurance in order to make the insurer and the reinsurer's total risk least under the standard deviation calculation principle.

本文在标准差保费计算原理下，同时从原保险人与再保险人双方的角度出发，考虑能使得双方风险波动达到最小的再保险策略，并且得出使得再保险双方的共同风险达到最小的最优再保险策略。

Article 31 The insurer or the reinsurer shall be obligated to maintain confidentiality of information obtained in the course of conducting insurance business regarding the business and financial position of the applicant, the insured or the ceding insurance company.

第三十一条保险人或者再保险接受人对在办理保险业务中知道的投保人、被保险人或者再保险分出人的业务和财产情况，负有保密的义务。

A reinsurer reclassified certain Hong Kong insurance business previously reported in its Hong Kong General Business Returns to non-Hong Kong insurance business.

"3。"，在2005年，一家再保险公司把其先前在2003及2004年提交的香港一般保险业务申报表中报告的部份香港业务重新归类为非香港保险业务。

Moreover, the mainland's sole reinsurer, China Re, is restructuring itselfsintosseparate reinsurance, non-life and direct insurance companies to make itself more competitive.

此外，中国大陆唯一的再保险商中国再保险公司正在进行重组，以便提高自己的竞争力，它将分拆成三家独立的公司，分别从事再保险、非人寿险和直接保险业务。

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。