再保险

Where is a partial loss of goods, merchandise, or other moveables, the measure of indemnity, subject to any express provision in the policy, is as follows:（1）Where part of the goods, merchandise or other moveables 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:(2) Where part of the goods, merchandise, or other moveables insured by an unvalued policy is totally lost, the measure of indemnity is the insurable value of the part lost, ascertained as in case of total loss:(3) Where the whole or any part of the goods or merchandise insured has been delivered damaged at its destination, the measure of indemnity is such proportion of the sum fixed by the policy in the case of the valued policy, or of the insurable value in the case of an unvalued policy, as the difference between the gross sound and damaged values at the place of arrival bears to the gross sound value:(4)"Gross value" means the wholesale price, or, if there be no such price, the estimated value, with, in either case, freight, landing charges, and duty paid beforehand; provided that, in the case of goods or merchandise customarily sold in bond, the bonded price is deemed to be the gross value.

货物、商品或者其他动产发生部分损失的，除保险单另有明文规定外，赔偿范围如下：(1)如果定值保险单承保的货物、商品或者其他动产的一部分发生全损，赔偿范围为保险单确定的保险金额中的比例部分，该比例为灭失部分的可保价值占全部可保价值的比例部分。可保价值的确定与不定值保险相同；(3)若不定值保险单承保的货物、商品或者其他动产的一部分发生全损，赔偿范围为损失部分的可保价值，可保价值的确定与全损时相同；(4)如果被保险货物或商品的全部或者一部分以受损状态运抵目的地，赔偿范围以完好毛值与受损价值的差额占完好毛值的比例计算，在定值保险单情况下，是保险单确定的金额的该比例部分，或者，在不定值保险单情况下，是可保价值的该比例部分；(5)"毛值"是指货物的批发价格，如果没有这种价格，则是货物的估计价值，不论哪一种情况，再加上已预先付讫的运费、卸货费和关税之后的价值；但是，如果货物或商品按惯例在关仓出售，那么关仓价格就视为毛值。

But they do so only when they can, in turn, reinsure a large percentage of the business with other companies.

世界上再没有其它再保公司会像我们一样，愿意一口气接受如此大金额的投保，当然也有保险公司偶尔会愿意接下二亿五美金的灾害理赔保险，但是其提通常是他们可以再向其它保险公司分保出去，当他们找不到分散风险的再保公司时，他们会马上退出市场。

A contract of marine insurance is deemed to be a gaming or wagering contract Where the assured has not an insurable interest as defined by this Act and the contract is entered into with no expectation of acquiring such an interest; or Where the policy is made "interest or no interest" or "without further proof of interest than the policy itself", or "without benefit of salvage to the insurer", or subject to any other like term.

2海上保险合同在下列情况下，被认为是赌博合同：被保险人对保险标的无本法规定的保险利益，而且在缔约后仍无获得此种保险利益的可能；保险单是按&无论有无保险利益&或&除保险单本身外，再无具有保险利益的证明&，，或&保险人无救助利益&等条件，或按其他类似条件订定的。

Section 3 is the difficult and key part of the whole paper, focus on discussing how to improve our country"s unemployment insurance system .specific countermeasures to improve the system are presented as follows: constituting unemployment insurance law establishing and amplifying safe -guard system of the law; establishing that judies is the first in the level of value; definite unemployment and the qualification of gaining unemployment insurance, reasonably enlarging the scopes of insurance; intensifying and promoting the function of reemployment to realize the combination of unemployment insurance and reemployment promotion; enforcing raising insurance fund and fully exerting the fund"s use benefit ;improving its systems of management and supervision to realize scientific management, keeping the fund safety and development..

本文认为我国的失业保险制度应在根据我国国情的基础上，在以下几个方面完善失业保险法律制度：制定《失业保险法》，提高失业保险制度的法律效力，并辅之以其他相关法律法规相配套，建立起一个层次分明相互协调的综合性失业保险法律体系；确立以公平为优先的立法价值取向，在法律的层次上明确失业保险制度作为超越经济领域的公共产品应当以社会公平为其立法的价值取向；正确界定失业的定义及失业保险资格条件，在符合中国国情的情况下，合理扩大失业保险的覆盖面；确立以保障劳动者的基本生活和促进再就业为失业保险法律制度的立法宗旨，加强失业保险的再就业促进功能，变消极支付失业保险金作法为积极地促进再就业，认识到&就业是最好的保障&；完善失业保险费征缴制度，按不同行业、企业的失业风险概率不同，实行差别缴费率，加强失业保险费征缴的法律力度，提高劳动者和用人单位的缴费积极性；完善失业保险待遇给付制度，从确保失业者的基本生活需要和促进其再就业的角度出发，完善给付水平和给付期限的规定；规范和完善失业保险的管理和监督制度，实现管理科学化，保证并实现保险墓金的保值、增值。结语部分，对全文进行总结。

Worldwide reinsurers began factoring global warming into their calculations.

全球再保险公司开始全球变暖的因素纳入其计算。

Despite of the improvements made by the company on strategic plan, performance measurement, expense saving, etc., the company has not yet applied the overall budget management and has not even established a relatively systematic and well-going budget management system and a complete system including budget guidance, budget editing, budget modification and budget assessment.

通过对中国再保险公司全面预算管理体系的研究，本文认为公司在实施预算管理过程中，虽然在战略规划、业绩评价、促进业务发展、节约费用等方面取得了很大的成效，但由于目前公司的预算管理，涉及部分组织、部分指标，部分预算编制、部分监控、部分业绩考评，可以说只是以财务指标，财务部门为中心的初步预算，尚未全面推行全面预算管理，并未形成较为系统、完善的全面预算管理体系和预算指导、预算编制、预算修改、预算评价等一整套完整的制度，所以，并未使全面预算管理在公司管理中发挥更大的作用。

The Munich Re Group operates worldwide, turning risk into value.

慕尼黑再保险集团运营遍及全球，将风险转化为价值。

"But does not include any treaty reinsurance business in respect of which less than 25% of the total risk calculated in terms of the gross premiums receivable under the treaty

但不包括符合以下说明的协约再保险业务︰业务承保的全部风险中，不足25%的风险(根据有关协约的可收取毛保费计算)是在香港产生的。

"In Hong Kong, other than treaty reinsurance business in respect of which less than 25% of the total risk (calculated in terms of the gross premiums receivable under the treaty) arises

但不包括以下协约再保险业务：该业务承保的全部风险中，不足25%的风险（根据该协约的可收取毛保费计算）是在香港产生的。

At the same time, we should also consummate the restricting mechanism by their self-locating to form them self-restricting. Then we should exercise the punishment rationally and found up the credit evaluating system to restrict their behavior so that finally we can satisfy the efficient demand of the insurance market and help the insurance company operate and develop steadily.

同时，应完善对个人保险代理人的约束机制，通过个人保险代理人的自我定位形成自我约束，再通过对合理的惩罚力度的运用和个人保险代理人信用评估体系的建立来约束个人保险代理人在展业中的行为，从而满足保险市场的有效需求和保险公司的稳定经营和发展。

Do you know, i need you to come back

你知道吗，我需要你回来

Yang yinshu、Wang xiangsheng、Li decang,The first discovery of haemaphysalis conicinna.

1〕 杨银书，王祥生，李德昌。安徽省首次发现嗜群血蜱。