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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。

Bank sources told reporters that the key is in fact now unreasonable categories, personal loans purchase operations at least three risk protection : First, protect property suffered major accidents and natural disasters, the risk of collateral damage to housing property insurance; 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; Now the market is the impact of policies, mostly property insurance, and lack of a man-made object of the life insurance products.

银行有关人士告诉记者，其实现在不合理的关键是险种问题，个人贷款购房业务至少需要三类风险保障：一是主要保障房产遭受意外事故和自然灾害毁损的风险的抵押住房的财产保险；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。。。。。。

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 Guarantor of the relevant APIF is China Life Insurance Company Limited Hong Kong Branch. For details, please refer to the principalbrochure of China Life MPF M aster Trust Scheme.

有关核准汇集投资基金担保人为中国人寿股份有限公司香港分公司，有关详情请参阅中国人寿强积金集成信托计划主体小册子。

P.a.. The Guarantor of the capital and the return of this fund is Principal Insurance Company Limited.

於2004年9月30日或该日之前投入本基金的供款额所获得的保证回报率维持不变（即每年4%）。

For every one of my New Year resolutions, I have been a backslider for years.

说到我的新年决心，我每年都做

With empathy and focus on a feeling level, we can all relate to the common ground of mutuality of emotions.

有了同情心和感觉上一级的重点，我们都可以涉及到相互的情感共同点。