保险

On the base of the right of subrogation in marine insurance, this paper will do the research from the point of view of action;on the base of existing stipulations and legal theories of the action of subrogation in marine insurance, maritime action and civil action, this paper will consult the foreign correlative theories;not only from the point of view of the legal theories, but also by consulting the cases and usual ways in judicature of our country, this paper will make the research more practical;this paper will also do the research by induction, organon and interests-comparing, etc.

本文将在海上保险代位求偿权制度的基础上，从诉讼角度展开较为系统的研究；在我国现有的海上保险代位求偿诉讼、海事诉讼以及民事诉讼的法律规定和法律理论的基础上，参考国外相关的法律理论，对海上保险代位求偿诉讼的法律问题进行较为系统的研究；不仅从理论的角度，还要参考我国司法实践中的相关案例和通常做法，使得对海上保险代位求偿诉讼的法律问题的研究更贴近实务，更具有实际操作性；运用归纳、推理的逻辑方法，采用利益比较等具体方法，对海上保险代位求偿诉讼的法律问题进行了较为全面的研究。

Where there is a loss recoverable under the policy, the insurer, or each insurer if there be more than one, is liable for such proportion of the measure of indemnity as the amount of his subscription bears to the value fixed by the policy in the case of a valued policy, or to the insurable value in the case of an unvalued policy.

（1）被保险人在其保险单项下能得到的损失赔偿叫做赔偿限额。对不定值保险单，赔偿限额是保险标的的全部保险价值；对定值保险单，赔偿限额是保险单中的约定保险价值。（2）在损失根据保险单可以得到赔偿之场合，保险人（或两个以上的保险人中的任何一

This paper starts with the introduction, it tells that due to the rapid development of O.O.E.E, the insurance of it came to exist and the insurance of O.O.E.E is a kind of marine insurance. While the next part of this paper, comes to the analysation of Fixed Platform Insurance and Mobile Drilling Units Insurance, and combined with Platform Form All Risks and Drilling Barge Insurance All Risks of PICC as well. At the end of this paper, the author offers some of his advice about modify Marine Law and PICC clauses.

本文首先介绍了由于海上石油开发的发展出现了海上石油开发保险，海上石油开发保险是海上保险，然后主要对海上石油开发保险中固定式钻井平台和移动式钻井平台保险结合我国人保的钻井平台一切险条款和钻井船一切险条款内容进行了分析，最后提出对我国《海商法》和人保条款的修改建议。

It then reviews and systematically analyzes the history and current situation of insurance conglomerate's development both in China and overseas, sourcing out the successful international experience contributable to guiding China's insurance conglomeration.

基于此，本文分析了保险集团产生的理论和实践背景，通过对保险集团公司的经济效应基于经济学的分析，探讨和研究了保险集团化对保险竞争和对保险行业竞争力的影响模式。

The company also provide supplemental benefits: commercial medical insurance, personal insurance, serious illness insurance, commercial medical insurance for spousechild, family property insurance, abroad travel insurance, annual physical inspection, lunch, shuttle bus, annual vacation, sick leave with salary, education imbursement , etc.

公司同时为员工提供补充福利：商业医疗保险、人身意外险、重大疾病保险，家属商业医疗保险，家庭财产保险，境外旅行保险，每年身体体检，午餐，班车，年假，带薪病假，教育资助等。

The company also provide supplemental benefits: commercial med ical insurance, personal insurance, serious illness insurance, commercial medi cal insurance for spouse and child, family property insurance, abroad travel i nsurance, annual physical inspection, lunch, shuttle bus, annual vacation, sic k leave with salary, education imbursement , etc.

公司同时为员工提供补充福利：商业医疗保险、人身意外险、重大疾病保险，家属商业医疗保险，家庭财产保险，境外旅行保险，每年身体体检，午餐，班车，年假，带薪病假，教育资助等。

The forms of insurance company, the classification of insurance,the exertion and regulation of insurance capital,the nullification systems of insurance contract,the limitations of right of insurance subrogation in the Chinese insurance law are existing bugs incorresponding to the international insurance laws and the universal regulations of WTO.

中国的保险法在保险公司的组织形式、保险的分类、保险业资金的运用及监管、保险合同的无效制度和保险代位权的适用范围等方面，存在着不合乎国际保险法律以及世贸组织通行规则的缺陷。

Using the theory of nomology and administrative law, this article introduces the basic concept, legal character and systematic value of the compulsory insurance system of motor vehicle traffic accident, expounds the present administrative legal system on compulsory insurance of motor vehicle.

本文通过运用法理学和行政法学理论，介绍了机动车交通事故强制保险的基本概念、法律特征和制度价值，阐述了我国针对机动车强制保险的现有行政法律制度，结合执法实际科学剖析了我国机动车交通事故强制保险制度中存在的行政立法滞后、现实执法操作困难等问题，并从完善立法规定、改进执法方式、强化司法救济等层面就完善我国机动车交通事故强制保险制度提出了初步的意见和建议，并强调要以科学公正的法治手段为依托，通过建立完备的立法、守法、执法、司法等法治体系，以适应机动车第三者责任保险模式转型条件下的新型社会要求。

One of the factor arousing fund risks of social endowment insurance system is falseness of premium-paid base, so necessary steps should be take to assure its authenticity and avoid decrease recessively of the fund.this paper expounds the situation of fund risks of social security pension system by applying a great deal data . Then taking the current system in Zhejiang province as an example, the paper analyzes whether the current system corresponds to by mainly applying the method of game theory . Based on these detailed analysis. Meanwhile by comparing the typical pension system of other countries, the paper puts forward our target system in the future.

文章以大量数据说明当前基本养老保险基金风险的严重情况，指出基本养老保险缴费基数是导致基金风险的重要原因，然后以浙江省基本养老保险制度为例，阐述缴费基数不实的种种表现，并结合博弈论等方法分析这些因素出现的深层次原因，在此基础上，运用精算学理论揭示基本养老保险缴费基数与基金风险之间的关系，分析缴费基数不实的危害性，重点为缴费基数不实导致基金养老保险基金流失的实证分析，最后总结全文，有针对性地提出提高缴费基数真实性的政策建议。

The Insurer may make compensation in advance according to the provisions of the contract if the Insured claims against him, in such case, however, the Insured shall subrogate to the Insurer the right of recovery against the third party and assist the latter in pursuing such recovery.

如果投保方向保险方提出赔偿要求时，保险方可以按照保险合同规定，先予赔偿，但投保方必须将向第三者追偿的权利转让给保险方，并协助保险方向第三者追偿。

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。