投保人

Therefore, in the calculation of insurance premiums paid by policyholders should be, it should be to housing construction costs for the base.

因此，在计算保险费由投保人应该是，它应是住房建设费用为基础。

It's the line between 'acute' and 'chronic' that causes conflict between insurer and policyholders.

它的界线'急性'与'长期'，造成冲突，保险公司和投保人的利益。

Their nurseries are not exactly brimming with future policyholders.

他们的幼儿园里并不完全都是未来的投保人。

According to the law,insurance brokers or insurance policyholders should be accountable, has the obligation to use their knowledge and skills for their clients to buy the best insurance products.

根据法律，保险经纪或保险的投保人应当负责任的，有责任运用自己的知识和技能，为他们的顾客购买到最好的保险产品。

The collapse of its insurance arm would hit ordinary policyholders.

其保险交易的崩溃将伤害普通投保人的感情。

Instead, policyholders share in the ownershipof the company.

相反，所有的我们的投保人共同分享我们的所有权。

Make a commitment to the interests of policyholders

对投保人利益做出承诺

On the basis of comparing the relative provisions of CMC and CIL, according to the basic theories of contract law, insurance law and marine insurance law, by reference to the Marine Insurance Act, 1906, laws in some other countries and clauses of marine insurance contract, the author analyzes in this paper the provisions of definition of marine insurance contract, disclosure, warranty, principle of indemnity, double insurance, subrogation, and modification, transfer and cancellation of marine insurance contract as well as rights and duties of the insurer and the insured. The author points out those provisions which are either duplicate, imperfect or reasonable in CMC and CIL, draws the conclusion which provisions shall be deleted, which provisions shall be modified and, if so, how they shall be modified.

本文以比较《海商法》与《保险法》相关规定为基础，结合合同法、保险法和海上保险法的基本理论，适当参照英国《1906年海上保险法》及其他一些国家的规定，并适当参考海上保险合同条款，对我国《海商法》海上保险合同的规定是否应引入投保人的概念，如何规定海上保险合同的定义，告知义务，保证义务，损失补偿原则，重复保险，保险人的代位求偿权，海上保险合同的变更、转让与解除，以及保险人和被保险人的权利义务等问题，进行了详细深入的研究，分析了《海商法》相关规定与《保险法》的重复之处、规定不完善之处以及规定合理之处，并在此基础上，进一步分析了哪些规定应当删除，哪些规定应当修改以及如何修改。

In order to promote the research of the mechanism of moral hazards and the effective precautions and dominations of moral hazard in insurance field, I adopt the game theory, construct the game model.

为了深入研究道德风险产生机理及其更有效地防范和控制保险领域的道德风险，建立道德风险情况下的博弈模型，将罚金考虑进模型中，此时的纳什均衡点与罚金、调查费和防范措施费相关，道德风险情况下保险公司利用罚金的方式对投保人进行激励是合理且可行的。

Personal loans business buyers will need at least three types of risk protection: First, the protection of property suffered major accidents and natural disasters, the risk of collateral damage to housing and property insurance; Second, lenders regular credit life insurance, primarily in the repayment period lenders due to illness or accidental injury of incapacity or death circumstances, to ensure safe recovery of bank loans, loans to family members can continue to live; Third, the performance bond purchase mortgage insurance, mainly because of the death of a guarantor when , unemployment and other reasons can not afford repayment agreement, the insurance companies on behalf of liquidity to banks than debt recovery at the same time exercise the right to receive from the collateral to the policyholder to recover compensation or reparations.

个人贷款业务的买家将至少需要三种类型的风险保障：第一，保护财产遭受重大事故和自然灾害的风险抵押损坏的住房和财产保险；第二，贷款人定期信用人寿保险，主要是在还款贷款期间因疾病或意外伤害的丧失工作能力或死亡的情况下，以确保安全收回银行贷款，贷款的家庭成员可以继续居住；第三，履约保证金购买按揭保险，这主要是因为死亡的担保人时，失业和其他原因不能还款协议，保险公司的名义向银行流动资金超过债务追偿同时行使的权利，接受该抵押给投保人收回补偿或赔偿。

The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应，而且减少跟风的可能性。