保险业

Chapter one of this text has recommended the foreign insurance to apply financial economy to the products pricing method of insurance company, but these methods have not explained how to determine the fair premium of the multiple-line insurance company .In order to solve many business line insurance company pricing problem, chapter two introduce an very important model in insurance company capital allocation field - MR capital allocation model, through deriving capital allocation formula and simulation analysis indicate MR model allocate multiple- line insurance company capital scientifically. In order to apply MR model to non-life insurance pricing, chapter three will extend MR model to introduce loss 3 and layer P . Since the premise of MR model is a certain market price of loss, the chapter four will use the risk-neutral probability transformation technique to get the market value of loss. Under lognormal distribution, we will use location parameter shift and proportional PH transformation to illuminate the technique. The final chapter combines the prior sections result to deduce out the fair premium formula, and apply it to price the catastrophe insurance.

本文的第一章介绍了国外保险业将财务经济学应用到保险公司产品定价的方法，但是这些方法都没有说明如何确定多业务线保险公司的公平保费；为了解决多业务线保险公司定价问题，第二章引入保险公司资本配置领域非常重要的一个模型—MR资本配置模型，通过推导资本配置公式及模拟分析表明MR模型科学地配置了多业务线公司的资本；为了将MR模型应用到非寿险公司的定价中去第三章扩展了MR模型，引入了损失β和层β的概念：由于MR模型的前提条件是有一个确定的损失市场价值，第四章利用风险中性转化方法获得损失的市场价值，在损失为对数正态分布的条件下，通过位置参数转化和比例危险转化方法给出了实例说明；第五章结合前几章的结果给出非寿险公司公平保费的定价公式，并运用它给出了巨灾保险价格的模拟分析。

In 1987, she was one of the first three women inducted into the rotary club of yonkers following the historic supreme court ruling that ended rotary international's male-only policy.

终他获得了大量的房地产资产在曼哈顿。的外祖父拥有并经营一个大型综合商店在宾厄姆顿，纽约，在那里她提出的问题。的父亲是在保险业，并在两次世界大战。

A-share market rate deep down, the stock-fund net worth has shrunk once again, Shanghai China's financial and insurance sectors to greater losses of the Fund and the other by the fund net new valuation method , The net value of the fund is also part of a larger adjustment.

股份布局时，部分基金A股市场利率在内心深处，股票基金的净资产再次缩水，上海中国金融和保险业对基金的更大的损失和其他的基金净值估值的方法，该基金的净值也是一个更大的调整的一部分。

In the course of setting up and perfect ing socialist market economy system, the governments should take a new look at business of in surance and the important role in the developing economy as well. The development of insurance business should be paid ...

在建立与完善社会主义市场经济体制的过程中，政府部门应重新认识保险的特殊行业性质及在经济发展中的重要作用，重视保险业发展，改善高税赋的财税环境。

It was brought into and carried out compulsorily by SOLAS Convention2002 amended.

笔者认为ISPS 规则是公法内容，但对私法即海上货物运输关系方的权利、义务、责任以及保险人和被保险人都会产生影响，从而影响海上货物运输业和保险业。

At the same time, bond markets where many insurers and reinsurers are invested have recovered strongly, leaving the industry in a better state of health than many had forecast six months ago.

与此同时，众多保险商和再保险商投资的债券市场强劲反弹，使保险业的资产健康状况比6个月前许多人所预测的更为良好。

This designation puts Lloyd's and other foreign reinsurers at a huge disadvantage against American competitors, requiring them to set aside billions of dollars in collateral to support their American underwriting.

在面对美国本土竞争者时，这种想法给劳埃德海上保险协会和其他地分保公司带来了极大的不利，让它们放弃几十亿的美金而一起来支持美国的保险业。

Insurance industry in china has gained much success in the past few years, especially the development of property insurance.

但是在快速发展的过程中由于外部经营环境已经发生重大变化，保险业正面临着巨大的潜在风险。

Based on the current regulation rules of the Chinese insurance industry and released data,Copula method and Quasi Monte Carlo simulation are applied to estimate the permitted ruin probability.

根据保险业监管的现行法规和产险业的公开数据，使用copula方法和准蒙特卡罗模拟方法探讨我国保监会对产险业的容许破产概率。

Compared with the single-bounded questionnaire format, the double-bounded questionnaire format could obtain more information about the respondents' willingness to pay, hence, it reduces the confidence interval range and improves the estimation accuracy of the greatest willingness to pay. At the pilot practice for three continuous years, the percent of banana windstorm insurance pilot size in the total banana planting area was less than 10% in Hainan. Combined with this research result, the author holds that Hainan finance should strength the subsidy to banana windstorm insurance on the basis of 30% subsidy in two continuous years of 2007 and 2008, and the subsidy percentage should try to achieve 40%. At the same time, the premium rate should not be too low, 18% is suitable.

与单边界问卷格式相比，双边界问卷格式能够获得被调查者支付意愿的更多信息，从而缩小了估计的置信区间，提高了最大支付意愿的估计精度；在连续3年的试点实践中，海南香蕉风灾保险试点规模占其香蕉种植面积不足10%，结合本研究结果，笔者认为海南省财政应在2007、2008连续两年30%的财政补贴基础上进一步加大对香蕉风灾保险业的补贴力度，力争补贴比例达到40%左右，同时费率也不宜过低，宜保持在18%左右。

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。