投保人

Different risks have different insurance needs, and therefore, for the purchase of personal loan business, at least three types of insurance required : First, the housing mortgage property insurance, the main victims of accidents and protect property damaged by natural disaster risks; Second, lenders regular credit life insurance, principal owing on the loan guarantee period by the lender or accidental injury and disease incapacity or death situation, banks can secure their loans, lenders families can continue to live; Third mortgage purchase a performance bond insurance, in which insurance, the insurance companies play the role of the guarantor to charge a premium for the purchase of security costs, credit for the purchase and the provision of economic security, as was the guarantor for death, unemployment causes an inability owing on the loan, the insurance companies on behalf of their debt to banks liquidated I, at the same time exercise the right to recover from the collateral, or to the insured recover compensation awards.

不同的风险有不同的保险需求，因此，对于个人贷款购房业务，起码需要三类保险的保障：一是抵押住房的财产保险，主要保障房产遭受意外事故和自然灾害毁损的风险；二是贷款者的定期信用人寿保险，主要保证还贷期内在贷款人因疾病或意外伤害而丧失工作能力或死亡的情况下，银行能安全收回贷款，贷款者的家人能继续居住；三是抵押贷款购房履约保证保险，在这种保险中，保险公司扮演了担保人的角色，向购房人收取一定的保险费作为担保费，并为购房人的经济信用提供担保，当被担保人因为死亡、失业等约定原因无力还贷时，保险公司代其向银行清偿余债，同时行使追偿权，从抵押物中得到补偿或向投保人追回赔款。

Generally, the process of getting loans on the basis of the existence of different risk factors, personal loans purchase at least three types of business risk protection : First, the housing mortgage property insurance, the main victims of accidents and protect property damaged by natural disaster risks; Second, lenders regular credit life insurance, mainly in the loan owing on the loan period of injury as a result of illness or accident and incapacity or death of bank guarantee safe recovery loans to the families of those who continue to live; Third mortgage purchase insurance performance bond, mainly because when the guarantor of death, unemployment causes an inability owing on the loan, insurance companies on behalf of their debt to banks liquidated I, at the same time exercise the right to recover from the collateral, or to the insured recover compensation awards.

一般而言，根据贷款买房过程中存在的不同风险因素，个人贷款购房业务至少需要三类风险保障：一是抵押住房的财产保险，主要保障房产遭受意外事故和自然灾害毁损的风险；二是贷款者的定期信用人寿保险，主要是在还贷期内贷款人因疾病或意外伤害而丧失工作能力或死亡的情况下，保证银行能安全收回贷款，贷款者的家人能继续居住；三是抵押贷款购房履约保证保险，主要是在当被担保人因为死亡、失业等约定原因无力还贷时，保险公司代其向银行清偿余债，同时行使追偿权，从抵押物中得到补偿或向投保人追回赔款。

Personal loans business buyers will need at least three types of risk protection: First, housing and property mortgage insurance, the protection of property suffered major accidents and natural disasters, the risk of damage; Second Loan the regular credit life insurance, primarily in the loan repayment period, a result of illness or accidental injury and the incapacity or death, to ensure safe recovery of bank loans, loans to family members can continue to live; Third Mortgage purchase a performance bond insurance, mainly in when the guarantor because of death, causes of unemployment 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 compensation or to the policyholders recover compensation.

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，住房和财产抵押贷款保险，保护财产遭受重大事故和自然灾害的风险损害；第二贷款定期信贷人寿保险，主要是在还款期内，因疾病或意外伤害和丧失工作能力或死亡，以确保安全收回银行贷款，贷款的家庭成员可以继续居住；第三按揭购买履约保证保险，主要是在当担保人，因为死亡，失业原因不能还款协议，保险公司的名义向银行流动资金超过债务追偿同时行使有权获得赔偿的抵押品或投保人赔偿。

The credibility gap is the result of a deliberate policy of artificial manipulation of official news.

民众对政府的不信任是官方假造新闻政策的结果。投保人故意虚构保险标的，骗取保险金的

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。