经营保险业

In aggregate, our smaller insurance operations produced an excellent underwriting profit in 2000 while generating significant float - just as they have done for more than a decade. If these companies were a single and separate operation, people would consider it an outstanding insurer.第 24 页共 56 页 www.buffettism.com 巴菲特研究中心 Research Centre for Buffettism Because the companies instead reside in an enterprise as large as Berkshire, the world may not appreciate their accomplishments - but I sure do. Last year I thanked Rod Eldred, John Kizer, Don Towle and Don Wurster, and I again do so. In addition, we now also owe thanks to Tom Nerney at U.S. Liability and Michael Stearns, the new head of Cypress.

总的来说，其它规模较小的保险业务在 2000 年产生了可观的承保利益，同时一如过去十年来持续贡献大量的浮存金，如果把这些公司视为单一独立的企业，那么他们绝对可以称得上是一家经营绩效优异的保险公司，而因为这些事业隐身在 Berkshire 如此庞大的事业体中，外界无法理解他们的努力与成就，但至少我个人能够深深地体会地，去年我感谢过 Rod，John，Don 等人，今年则还要再加上美国责任险的 Tom 以及 Cypress 的新任主管

In light of the"three high"phenomenon, namely high input, high recruitment and high attrition, of the current insurance agent mechanism in China and inadequate customer service capability of agents, this article holds that China should try out the "mixed agent and employment system"at its earliest. This can be proceeded from the following five aspects:construction of an agent culture, change ...

摘要］针对我国现行代理人体制导致的高投入、高增员、高脱落的&三高&现象，以及代理人客户服务专业能力不足的窘状，中国保险业应尽快试行&代理—雇佣混合制&，可以从代理人营销文化建设、保险公司经营方式从粗放型向集约型转变、客户为导向的销售管理体制、代理人绩效管理、代理人专业化与职业化五个方面建立&代理—雇佣混合制&研究体系。

When the cost paid by the insurer for insurance transaction excess the normal scope of insurance business, insurance industry will die automatically.

要防范投保方的道德风险，保险人必须支付相当高昂的成本，当保险人为保险交易所支付的成本已经超过了保险经营的正常范围时，保险业将自动消亡。

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。

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。

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。