保险业

This problem arises from the decline in bond prices and the insurance accounting convention that allows companies to carry bonds at amortized cost, regardless of market value.

事情的起因在于债券价格下跌，而会计原则又允许保险业以摊销成本而非市价列示其帐面价值，结果导致许多业者以摊销成本记录的长期债券投资金额达到其净值的二、三倍之多，换言之，只要债券价格下跌超过三分之一，便很有可能把公司的净值全部吃光，这其中甚至包括好几家知名的大公司在内，当然债券价格也有可能会回升，使得其部份，甚至全部的净值得以回复，但也没有人敢保证债券价

In this paper, I am trying to solve questions above on the consecution: from the public finance theory and other modern economics, to find out the reason of study and worth to paying attention, then applying the method of inframarginal analysis and the theory of reinventing government to diagnose the symptoms, point out the route to improve, make comments or suggestions.

我们要解决的上述问题，实质上有一个逻辑顺序：从公共财政或者现代经济学的立场出发，说明保险业发展环境值得研究，或者说这样的研究值得公众关注；然后主要用超边际经济学和政府再造理论的方法，研究中国保险业发展环境的现状，指出改进的方向，提出改进的政策建议。

Because it mainly rests on actual practice, there is a lack of theoretical research, especially a lack of the research normatively using the framework of economic theory.

保险监管始终是与金融监管、社会保障、经济发展相辅相成的重要问题，尤其在我国保险业发展规模尚小、实力不强的今天，保险监管对于促进保险业的全面发展意义重大。

Through the nowadays situation of the international community insurance industry and the developments of the present condition with the economy, we can see that the environment liability insurance starts presenting the tendency of insurance industry being combined with banking and stock certificate industry, the insurance means combined with tax means, the insurer combined with insured benefits, the insurer combined with insurer, the insurance liability insurance compensation combined with environmental indemnification fund and the insurance being commercial combined with the insurance acculturates increasingly.

结合世界各国保险业和经济发展现状，可以看出，环境责任保险开始呈现出保险业与银行业、证券业结合，保险手段与税收手段结合，保险人与被保险人利益结合，保险人与保险人结合，环境责任保险与环境赔偿基金结合以及保险商业化与保险社会化日益结合等方面的趋势。

The healthy development of the insurance industry signifies a lot to a country's social stability and economic development.

保险业是当代金融的支柱产业之一，保险业的健康发展对一个国家的社会稳定、经济发展有着重大的意义。

In addition, the value of new business, the Chinese counterpart of the safety of the new business at 14 times the value of the multiplier; China Life new business value of the corresponding multiplier for 33 times, 18 times that of China Pacific Insurance; assessment Value has become conservative, he thought the insurance industry in China due to policies of protection, as opposed to other industries, in this round of economic adjustment, the insurance industry the impact would be relatively small, the effect will become a safe haven.

此外，新的商业价值，新业务的安全中对应的14倍乘数的价值；中国人寿新业务价值相应的33倍，18倍乘数对中国太平洋保险，评估价值变得保守，他认为，由于在中国的保护政策，而不是其他行业在这一轮的经济调整，保险业，保险业的影响将相对较小，效果会成为一个安全的避风港。

The compradors were a new type of businessmen who were active in the trade between the west and Chinese businessmen.

买办是活动于近代中西贸易之间的新型商人，自身的投机性、民族性和保险业的高额利润使其成为投资于民族保险业的首批华商。

It has been approved by history in many countries that insurance broker companies are beneficial to promoting the development of insurance, regulating insurance market, safeguarding the right of insurants, and strengthening the connections between domestic insurance market and international market.

作为成熟保险市场不可或缺的组成部分，保险经纪的诞生对促进我国保险业发展、规范保险市场、维护投保人利益、推动国内保险市场与国际接轨等方面具有重要意义，各国保险业发展的历史和经验无不证明了这一点。

Over her career working in the insurance industry in Dublin, Ireland, and Toronto, Canada, she eventually landed in the United States where along with Alex Krooglik, the two of them founded Embrace Pet Insurance to combine their love of pets, the desire for entrepreneurship, and Lauras expertise in the insurance industry.

她的职业生涯工作，在保险业在都柏林，爱尔兰，并在多伦多，加拿大，她终于降落在美国，随着徐家krooglik ，他们二人创立的怀抱宠物保险结合起来，他们的爱的宠物，想要创业，并laura s专门知识，在保险业的发展。

Participating insurance are eventually becomes preference when local residents consume insurance products with the development of our local insurance industry.

随着我国保险业的发展，分红保险已经成为居民消费者的购买热点，并且推动了保险业持续快速发展。

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。