可保险的

This article analyzes the profit model of insurance companies in detail and validates the relevance between the prescripts which have been constituted by the China Insurance Regulatory Commission in the operation of insurance funds and the investment income of insurance companies through financial statements of the three companies, China Life, Ping An of China and China Pacific, which have been coming into A-stock market. It analyzes the relationship between the insurance company asset allocation and the funds income and risk of insurance companies by simulating the different insurance companies' earnings on different asset allocation and different equity investment yield, so as to arrive at the objective how to configure which prescripts to funds operation of insurance companies is reasonable, demonstrates the rationalities of insurance funds operation prescripts which have been constituted by the China Insurance Regulatory Commission, and considers the equity investment of insurance companies can be properly enhanced to thirty percent of total assets because China's economy will develop stably, chronically and at high-speed .

文中通过借助目前A股上市的中国人寿、中国平安和中国太保三家保险公司的报表详细地分析了保险公司的盈利模式，验证了保监会关于保险资金运用的管理规定与保险公司的投资收益率存在的相关性，并通过模拟在不同资产配置及不同股权投资收益率下保险公司最后的收益情况，用数据分析了保险公司资产配置与保险公司的资金收益和风险的关系，从而得出保险公司的资金运用怎样规定才是合理的，也论证了保监会对保险资金运用的管理规定的合理性，并认为在我国经济仍将长期稳定高速发展的情况下，可适当将保险公司的股权投资比例提高到总资产的30%。

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。

Where two or more policies are effected by or on behalf of the assured on the same adventure and interest or any part thereof, and the sums insured exceed the indemnity allowed by this Act, the assured is said to be over-insured by double insurance (2) Where the assured is over-insured by double insurance The assured, unless the policy otherwise provides, may claim payment from the insurers in such order as he may think fit, provided that he is not entitled to receive any sum in excess of the indemnity allowed by this Act; Where the policy under which the assured claims is a valued policy, the assured must give credit as against the valuation for any sum received by him under any other policy without regard to the actual value of the subject-matter insured; Where the policy under which the assured claims is an unvalued policy he must give credit, as against the full insurable value, for any sum received by him under any other policy; Where the assured receives any sum in excess of the indemnity allowed by this Act, he is deemed to hold such sum in trust for the insurers according to their right of contribution among themselves.

当被保险人或其代表，(1)就同一冒险和利益或其中的一部分订立了两份以上的保险单，且保险金额超过本法所允许的赔偿限额时，被保险人即被视为因重复保险而超额保险。(2)在被保险人因重复保险而超额保险之场合：除非保险单另有规定，被保险人可根据自已认为合适的顺序，依次向其保险人索赔，但他所得金额不得超过本法允许的赔偿限额；如果被保险人凭以索赔的保险单是一份定值保险单，被保险人必须将其他保险单项下他已收取的任何数额从约定保险价值中扣除，无需考虑保险标的的实际价值；如果被保险人据以索赔的保险单是一份不定值保险单，被保险人必须将其他保险单项下他已收取的数额从全部保险价值中扣除；若被保险人得到的金额超过本法所允许的赔偿额，则此种超出金额即被视为由被保险人代各保险人托管，由保险人按他们之间的分摊权利摊回。

Where two or more policies are effected by or on behalf o f the assured on the same adventure and interest or any part thereof, and the sums insured exceed the indemnity allowed by this Act, the assured is said to be over-ins ured by double insurance (2)Where the assured is over-insured by double insurance The assured, unless the policy otherwise provides, may claim payment from the insurers in such order as he may think fit, provided that he is n ot entitled to receive any sum in excess of the indemnity allowed by this Act;Where the policy under which the assured claims is a valued policy, the assured must give credit as against the valuation for any sum rec eived by him under any other policy without regard to the actual value of the subject-ma tter insured;Where the policy under which the assured claims is an unvalu ed policy he must give credit, as against the full insurable value, for any sum rec eived by him under any other policy; Where the assured receives any sum in excess of the indemnit y allowed by this Act, he is deemed to hold such sum in trust for the insurers acco rding to their right of contribution among themselves.

1当被保险人或其代表，就同一冒险和利益或其中的一部分订立了两 32。份以上的保险单，且保险金额超过本法所允许的赔偿限额时，被保险人即被视为因重复保险而超额保险。(2)在被保险人因重复保险而超额保险之场合：除非保险单另有规定，被保险人可根据自己认为合适的顺序，依次向其保险人索赔，但他所得金额不得超过本法允许的赔偿限额；如果被保险人凭以索赔的保险单是一份定值保险单，被保险人必须将其他保险单项下他已收取的任何数额从约定保险价值中扣除，无需考虑保险标的的实际价值；如果被保险人据以索赔的保险单是一份不定值保险单，被保险人必须将其他保险单项下他已收取的数额从全部保险价值中扣除；若被保险人得到的金额超过本法所允许的赔偿额，则此种超出金额即被视为由被保险人代各保险人托管，由保险人按他们之间的分摊权利摊回。

3In particularWhere the policy is void, or is avoided by the insurer as from the commencement of the risk, the premium is returnable, provided tha t there has been no fraud or illegality on the part of the assured; but if the risk i s not apportionable, and has once attached, the premium is not returnable.

b如果保险标的或其他部分从未处于危险之中，保险费或该比例部分的保险费便可退回；但是，如果保险标的是按&无论是否已灭失&条件保险，且当合同订立时该条保险标的已经安全到达，保险费亦不得退回，除非订立合同时，保险人已知道其业已安全到达。

In the event that a claim for a constructive total loss of the Vessel is paid on the war risks insurance of the Vessel under Clause 3 of the Institute War and Strikes Clauses-Hulls-Time 1/11/95 or the Institute War and Strikes Clause-Hulls-Voyage 1/11/95 as a result of the loss of the free use and disposal of the Vessel for a continuous period of 12 months due to capture, seizure, arrest, restraint, detainment, confiscation or expropriation whilst this insurance is in force, the amount insured hereunder shall be paid in full less any claims otherwise arising during the said period of 12 months which nave been paid or are recoverable hereunder or under insurance subject to the Institute Time Clauses –Freight 1/11/95 and/or the Institute Voyage Clauses-Freight 1/11/95 and any recoveries made in respect of the said period.

如果船舶推定全损的索赔已根据1995年11月1日协会船舶定期战争和罢工险条款或1995年11月1日协会船舶航次战争和罢工险条款第3条船舶战争险保险理赔，由于在保险生效期间船舶被捕获、扣押、扣留、管制、拘押、没收或征用，被保险人因此已丧失对保险船舶的自由使用和处分连续12个月，应全额赔付保险金额，但应扣减在该12个月期间已经赔付的任何索赔款，或根据本保险可获补偿的金额或根据受1995年11月1日协会运费定期保险条款及/或1995年11月1日协会运费航次保险条款制约的保险及有关该期间获得的任何补偿。

In the event that a claim for a constructive total loss of the Vessel is paid on the war risks insurance of the Vessel under Clause 3 of the Institute War and Strikes Clauses-Hulls-Time 1/11/95 or the Institute War and Strikes Clause-Hulls-Voyage 1/11/95 as a result of the loss of the free use and disposal of the Vessel for a continuous period of 12 months due to capture, seizure, arrest, restraint, detainment, confiscation or expropriation whilst this insurance is in force, the amount insured hereunder shall be paid in full less any claims otherwise arising during the said period of 12 months which nave been paid or are recoverable hereunder or under insurance subject to the Institute Time Clauses –Freight 1/11/95 and/or the Institute Voyage Clauses-Freight 1/11/95 and any recoveries made in respect of the said period.

如果船舶推定全损的索赔已根据1995年11月1日协会船舶定期战争和罢工险条款或1995年11月1日协会船舶航次战争和罢工险条款第3条船舶战争险保险理赔，由于在保险生效期间船舶被捕获、扣押、扣留、管制、拘押、没收或征用，被保险人因此已丧失对保险船舶的自由使用和处分连续12个月，应全额赔付保险金额，但应扣减在该12个月期间已经赔付的任何索赔款，或根据本保险可获补偿的金额或根据受1995年11月1日协会运费定期保险条款及/或1995年11月1日协会运费航次保险条款制约的保险及有关该期间获得的任何补偿。上面法规内容为部分内容，如果要查看全文请点击此处：查看全文

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。

3 A fuseholder or circuit breaker provided as a part of an appliance shall be acceptable for the particular application and shall not be accessible from the outside of the appliance without opening a door or cover, except that the operating handle of a circuit breaker may project outside of the enclosure. A fuseholder shall be so installed that no uninsulated live parts other than the screw shell or clips of the fuseholder are exposed to contact by a person removing or replacing a fuse.

18.3保险盒或电路断路器作为电器的一个零件可被特殊电器所接受，并在电器上的门或盖未打开的情况下，除了电路断路器的操作手柄伸出了外壳，都不能接触到保险盒或电路断路器，保险盒装好，若更换或取走保险时，除了螺钉盖及保险夹可同人体接触之外，不能有其它的导电活动件裸露同人体接触。

These include giving the Fed expanded powers to regulate market stability, combining the Office of Thrift Supervision and the Office of the Comptroller of the Currency to strengthen regulation by reducing duplication, centralising the scrutiny of mortgage origination, creating an optional federal insurance charter, beginning the process of integrating the Securities and Exchange Commission and Commodity Futures Trading Commission and continuing to improve arrangements for clearing and settling over-the-counter derivatives, including development of well regulated and prudently managed central clearing counterparties for OTC trades.

这些改革举措包括：扩大美联储的权力以监管市场稳定；合并美国储蓄管理局和美国货币监理署(Office of the Comptroller of the Currency)，通过减少重合来强化监管；集中对抵押贷款来源的审查；创建一个可选择的联邦保险宪章；启动整合证券交易委员会(Securities and Exchange Commission)和商品期货交易委员会(Commodity Futures Trading Commission)的程序；继续改进清算、结算场外衍生产品的安排，包括针对场外交易，发展得到充分监管和审慎管理的中央清算对手机构。

Breath, muscle contraction of the buttocks; arch body, as far as possible to hold his head, right leg straight towards the ceiling (peg-leg knee in order to avoid muscle tension).

呼气，收缩臀部肌肉；拱起身体，尽量抬起头来，右腿伸直朝向天花板（膝微屈，以避免肌肉紧张）。

The cost of moving grain food products was unchanged from May, but year over year are up 8%.

粮食产品的运输费用与5月份相比没有变化，但却比去年同期高8％。