财产保险

This course is an excellent starting point for student in risk management, property insurance, and related fields. Student will gain a general understanding of global property insurance market and master Principles and Practice of Property Insurance.

本课程是财产保险（包括财产风险管理等领域）的基础课，通过本课程的教学，使学生了解财产保险国内外市场的基本概况和掌握财产保险的基本理论和基础知识。

In order to improve the quality, it is important that the factors, which effect the quality, would be found, and that time change them to the analyzable factors.The quality analysis model was built in this text basing the service product and theory of service management. After that I tried to analyze the level of the insurance service through the model, and tried to analyze the cause of our lowness of the service and the service management.

本人通过在某财产保险公司的工作实践，根据业界专家的经验，统计总结出影响保险服务质量的一些因素，并在此基础上建立了保险服务质量分析模型，粗略地将各个影响因素及财产保险综合服务质量进行了量化，并以此来分析保险公司的服务水平，与此同时又深层次地探讨了保险服务水平不高的原因。

In application, it will learn about property insurance,life insurance,liability insurance,reinsurance, it is include the knowledge about each class of the insurance, that is the object,liability,preclusive liability,rate of insurance.

保险实务中有关财产保险、人身保险、责任保险、再保险等知识；学习四大类保险中每类保险中的具体险种的知识，包括有关保险标的、保险责任、除外责任、费率等相关内容。

However,so many pr operty insurance company's whole level of the operation and management need to improve.It's need to resolve that the level of the sale service,underwriting cap acity,risk control capacity,management idea,the development of the insurance pr ocession and so on.

然而多数财产保险公司整体经营管理水平有待提高，基层财产保险公司在销售服务水平、承保能力、风险控制能力、经营理念、保险队伍建设等方面尚存在一些亟待解决的问题。

Then the importance is t o firmly believe the specific substance of insurance interest in property insurance. In this base, I inquire into two lawful questions about insurance interest in property insurance such as stealage and theminus value of property.

首先阐述了财产保险利益的成立要件、表现形态；其次，在中国《保险法》未对财产保险利益的内容明确规定的情形下，将该部分重点落脚于对财产保险利益的具体认定，以深入理解财产保险利益；最后，在此基础上对财产保险利益中的两大疑难法律问题即被盗窃财产和价值为负数财产的保险利益问题进行了探讨，从而更深入准确地把握财产保险利益的内涵。

This paper points the problems exist in various kinds of insurable interests and their relations through cases.Through the study this paper conclude that the insurable interest is the key system of the property insurance and insurance law. Our country did not take care of this theory and practice in the past, but now, we should pay close attention to this system, because it related to insurance contract of property effect, overlap insurance, excess insurance, damage and indemnity. So we should add insurable interest clause in the insurance contract. It will be easy to confirm who should be indemnified and how about the harm.

本文基于研究认为，财产保险利益是保险制度和保险法中的核心制度，过去我们国家在理论和实践中不注意该问题，但在保险法完善的过程中，应高度重视该制度，因为他涉及财产保险合同的效力、重复保险、超额保险、保险损害和保险补偿，所以应当在保险合同中增加保险利益条款，从而便于确定受补偿人、保险损害、保险事故、重复保险和补偿范围。

PICC Property and Casualty Company Limited Linyi Branch is a secondary branch company of PICC Property and Casualty Company Limited. Its a property insurance company with the longest history, the best credit, the broadest business field and the solidest strength in property insurance market of Linyi City.

中国人民财产保险股份有限公司临沂市分公司是中国人民财产保险股份有限公司的二级分支机构，是临沂市财产保险市场历史最悠久、信誉度最高、业务领域最广、实力最雄厚的财产保险公司，目前占据临沂财产保险市场60％以上的市场份额。

Based on the introduction about principle and the basis knowledge of the insurance, the foreign trade insurance emphases on the explanation of import and export goods transportation insurance, the property insurance, the liability insurance, the credit insurance and the life insurance and so on.

外贸保险从介绍保险的基本原理和基础知识入手，重点讲解进出口货物运输保险，财产保险，责任保险，信用保险和人身保险等涉外保险业务；介绍我国目前开设的涉外保险险种以及涉外保险业务的具体做法。

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。

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。

In the negative and interrogative forms, of course, this is identical to the non-emphatic forms.

。但是，在否定句或疑问句里，这种带有"do"的方法表达的效果却没有什么强调的意思。

Go down on one's knees;kneel down

屈膝跪下。。。下跪祈祷