保险

The different phases of China's insurance conglomeration development and the options of the form of organization to take.

本章从多个角度和层面上重点研究了中国保险集团化的发展问题：1我国保险业组织形式的发展与选择问题。2我国保险集团化的发展阶段及组织形式的选择。3保险集团的治理结构。4保险集团的经营战略。5保险集团业务模块的整合。6保险集团风险管理体系的健全。

In order to improve the quality, it is important that the factors, which effect the quality, would be found, and that time change them to the analyzable factors.The quality analysis model was built in this text basing the service product and theory of service management. After that I tried to analyze the level of the insurance service through the model, and tried to analyze the cause of our lowness of the service and the service management.

本人通过在某财产保险公司的工作实践，根据业界专家的经验，统计总结出影响保险服务质量的一些因素，并在此基础上建立了保险服务质量分析模型，粗略地将各个影响因素及财产保险综合服务质量进行了量化，并以此来分析保险公司的服务水平，与此同时又深层次地探讨了保险服务水平不高的原因。

Despite the China Insurance Regulatory Commission for approval of the Prudential Life Insurance, EMC agricultural security, Tian An Insurance, the National Security 4 million farmers commissioned third-party insurance companies to carry out stock investment qualifications, but from the insurance asset management company news show that many insurance companies to avoid risks, not eager to enter the secondary market, only a small amount of insurance funds for the short-term operation.

尽管中国保险监督管理委员会的信诚人寿保险，EMC的农业安全天安保险，国家安全4万农民委托审批第三方保险公司进行股票投资资格，但是从保险资产管理公司的消息表明，许多保险公司规避风险，并不急于进入二级市场，只有少量保险资金的短线操作。

Despite the China Insurance Regulatory Commission for approval of the Prudential Life Insurance, EMC agricultural security, Tian An Insurance, the National Security 4 million farmers commissioned third-party insurance companies qualifications to carry out stock investment, but the insurance asset management companies from the news show that many insurance companies to avoid risks, not eager to enter the secondary market, only a small amount of insurance funds for the short-term operation.

新的军队单位的利率风险并不大，规模行为的猎人进入市场或短期尽管中国保险监督管理委员会的信诚人寿保险，EMC的农业安全天安保险，国家安全四百万农民委托第三方保险的批准公司的资格进行股票投资，但保险资产的消息显示，不少保险公司为规避风险，并不急于进入二级市场的管理公司，只有少量保险资金的短线操作。

Where part of the goods, merchandise or other movables insured by a valued policy is totally lost, the measure of indemnity is such proportion of the sum fixed by the policy as the insurable value of the part lost bears to the insurable value of the whole, ascertained as in the case of an unvalued policy

如果在定值保险单下有部分保险货物、商品或其他动产发生全损，赔偿限度为保险金额中损失部分的保险价值占保险单的全部保险价值的比例部分，保险价值的确定如同不定值保险时一样。

This paper combinate the historical background, on the basis of previous studies, to the Marxist dialectical materialism and historical materialism as a guide, to the rural market economy as the starting point, foreign social old-age insurance system on the useful experience, Both attention to the social old-age insurance system and the universality of common existence, also expressed concern about the special nature of rural in Jiangxi Province and personality, Combining Jiangxi rural social endowment insurance system for the status quo, to adapt to the Jiangxi rural social endowment insurance system of the model framework, At this stage of the full implementation of rural social endowment insurance system for the feasibility with a view to Jiangxi rural social endowment insurance system and provide a theoretical basis.

本文结合时代背景，在前人研究的基础上，以马克思主义的辩证唯物主义和历史唯物主义为指导，以农村市场经济为出发点，借鉴国外社会养老保险制度的有益经验，既注意社会养老保险制度存在的普遍性和共性，又关注江西省农村的特殊性和个性，结合江西省农村社会养老保险制度现状，提出适应江西省农村社会养老保险制度的模式框架，探讨现阶段全面实施农村社会养老保险制度的可行性，以期为江西省农村社会养老保险制度建设提供理论依据。

In this article, through making an analysis and comparison on Insurable Interest Rule and Consent of Insured Rule, against our insurance market and objective surroundings, the writer argues that in our country the Life Insurance institutions should accord to the double rules, say, Consent of Insured Rule and Insurable Interest Rule. By these, the writer wishes to improve our legislation and execution in insurance field and to provide our life insurance market with necessary law support.

在本文中，笔者通过对保险利益原则和同意原则的分析对比，结合我国保险市场以及人文环境，提出了我国人身保险必须要坚持人身保险利益原则适用性和严格实行同意原则和保险利益原则双重约束的观点，以期进一步完善我国保险立法和执法环境，给我国人身保险市场发展提供必要的法律支持。

Because of above, I decided to write the dissertation with the heart of logistics insurance, the main point for the dissertation is that: no matter who dont know it will get it, people who engage insurance will know how to act in logistics insurance and how to solve problem, management level of insurance will know how to improve it and make it suitable for development of logistics, insurants read it will know how to choose a employable policy company.

基于上述情况，本文以物流保险为核心，写此论文的主导思想是：凡是没有做过保险的人看过此文，明白什么是物流保险；从事保险工作的人看过此文，明白如何做物流保险，怎么解决实务中的难题；保险管理者看过此文，明白如何完善现有的物流保险，适应当今物流业的发展；被保险人看过此文，明白如何选择一个好的保险人。

Hereby,the research tries to construct a macro frame of agriculture insurance development by the planning of law status ,organization system,governmentail subsidy manner,reinsurance system and disaster risk fund;hereon,a regional diversity strategy on the development of Chinese agriculture insurance is put forward after the regional diversity design for supervision mode,management dealing,insurance policy and other aspects. It probes into the sity-four-dollar question—the diversity of regional subsidy standard,mainly from the rate division of agriculture insurance and regional difference amont farmer's payment ability. Finally,the objective mode is established for developing political agriculture insurance at different regions.

据此，本研究探讨设计了中国农业保险的法律地位、组织体系、政策补贴方式、再保险制度和巨灾风险基金制度，并尝试构建了农业保险发展的宏观框架；在此基础上，提出了中国农业保险发展的区域差异化策略，分别从监管模式、经营行为、保险政策等方面进行了区域差异化设计，并重点从农民支付能力的区域差距和农业保险费率分区两个方面，探讨了区域农业保险差异化发展的关键问题——区域补贴标准的差异化，进而探索设计了各区域政策性农业保险发展的目标模式。

Different risks have different insurance needs, and therefore, for the purchase of personal loan business, at least three types of insurance required : First, the housing mortgage property insurance, the main victims of accidents and protect property damaged by natural disaster risks; Second, lenders regular credit life insurance, principal owing on the loan guarantee period by the lender or accidental injury and disease incapacity or death situation, banks can secure their loans, lenders families can continue to live; Third mortgage purchase a performance bond insurance, in which insurance, the insurance companies play the role of the guarantor to charge a premium for the purchase of security costs, credit for the purchase and the provision of economic security, as was the guarantor for death, unemployment causes an inability owing on the loan, the insurance companies on behalf of their debt to banks liquidated I, at the same time exercise the right to recover from the collateral, or to the insured recover compensation awards.

不同的风险有不同的保险需求，因此，对于个人贷款购房业务，起码需要三类保险的保障：一是抵押住房的财产保险，主要保障房产遭受意外事故和自然灾害毁损的风险；二是贷款者的定期信用人寿保险，主要保证还贷期内在贷款人因疾病或意外伤害而丧失工作能力或死亡的情况下，银行能安全收回贷款，贷款者的家人能继续居住；三是抵押贷款购房履约保证保险，在这种保险中，保险公司扮演了担保人的角色，向购房人收取一定的保险费作为担保费，并为购房人的经济信用提供担保，当被担保人因为死亡、失业等约定原因无力还贷时，保险公司代其向银行清偿余债，同时行使追偿权，从抵押物中得到补偿或向投保人追回赔款。

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。