不保险的

independent audit is essenttially a group of contract among client,bailee and federation of cpa.those factors, such as economic activity's uncertainty,asymmetric information and limited rationality have resolved that contract is almost imperfect.so adverse selection and moral hazard always exist in all the course of signing and carrying a contract,and seriously in the responsibility insurance of cpa decided by professional characteristic of independent audit,and particularly in our country decided by "state-owned property right" and "public contract" of our state-owned enterprise.

独立审计实质上是委托人、受托人和注册会计师协会之间的一组契约的集合。经济活动的不确定性和复杂性，信息的不完全和不对称以及签约双方的有限理性等因素决定了契约总是不完备的，几乎在所有契约的签订和履行中，都不同程度地存在逆向选择和道德风险问题；独立审计的职业特点，决定了注册会计师执业责任保险中逆向选择和道德风险问题的严重性；我国国有企业"公有产权"和"公共契约"特性，决定了我国独立审计执业责任保险中逆向选择和道德风险问题的特殊性。

independent audit is essenttially a group of contract among client,bailee and federation of cpa.those factors, such as economic activity's uncertainty,asymmetric information and limited rationality have resolved that contract is almost imperfect.so adverse selection and moral hazard always exist in all the course of signing and carrying a contract,and seriously in the responsibility insurance of cpa decided by professional characteristic of independent audit,and particularly in our country decided by "state－owned property right" and "public contract" of our state－owned enterprise.

摘 要］独立审计实质上是委托人、受托人和注册会计师协会之间的一组契约的集合。经济活动的不确定性和复杂性，信息的不完全和不对称以及签约双方的有限理性等因素决定了契约总是不完备的，几乎在所有契约的签订和履行中，都不同程度地存在逆向选择和道德风险问题；独立审计的职业特点，决定了注册会计师执业责任保险中逆向选择和道德风险问题的严重性；我国国有企业"公有产权"和"公共契约"特性，决定了我国独立审计执业责任保险中逆向选择和道德风险问题的特殊性。

independent audit is essenttially a group of contract among client,bailee and federation of cpa.those factors, such as economic activity's uncertainty,asymmetric information and limited rationality have resolved that contract is almost imperfect.so adverse selection and moral hazard always exist in all the course of signing and carrying a contract,and seriously in the responsibility insurance of cpa decide

经济活动的不确定性和复杂性，信息的不完全和不对称以及签约双方的有限理性等因素决定了契约总是不完备的，几乎在所有契约的签订和履行中，都不同程度地存在逆向选择和道德风险问题；独立审计的职业特点，决定了注册会计师执业责任保险中逆向选择和道德风险问题的严重性；我国国有企业"公有产权"和"公共契约"特性，决定了我国独立审计执业责任保险中逆向选择和道德风险问题的特殊性。

Accordance with the "total quantity is not increasing," the principle of integration of the original coal, agriculture, and the Social Security Administration of autonomous institutions, re-formation of the autonomous region of unemployment insurance, old-age pension management center, medical and industrial injury insurance, transaction management birth center, the social insurance fund management center 3 to run one institution, improve the social insurance system, to enhance the ability to lay the foundation for social insurance.

按照"总量不增"的原则，整合了原煤炭、农垦及自治区社会保险事业管理局机构，重新组建自治区养老失业保险事务管理中心、医疗工伤生育保险事务管理中心、社会保险基金运行管理中心3个事业单位，完善了社会保险经办体制，为提升社会保险能力奠定了基础。

So we must adopt appropriate countermeasures,as we make insurance founds into security investment founds,to change the inharmonic situation as quickly as possible.

因此，必须采取相应对策，如让保险资金积极参与证券投资基金、推行资产负债管理模式以及将保险投资和产品开发统一起来等，以尽快改变资产负债与证券市场对接不协调的局面。

Our results indicate that China, different from most cases, should cautiously relax its entry restrictions particularly to foreign banks, restrain banks from engaging in securities, insurance and other activities, set up explicit deposit insurance scheme, and give positive play to official supervision, on account of China's low bank capital-asset ratio and immature non-official supervisory system.

本文的研究发现，与一般的情况有所不同，中国在资本充足率不高，非官方监管不健全的条件下，应谨慎放松银行市场的准入限制，约束银行涉足证券，保险等其他业务，建立显性存款保险制度，并且发挥官方监管控制的积极作用。

On the problem that income unbalances expenditure in the pension insurance funds in our country at present and in the future, this paper applies the mathematical model of partial accumulation balance to make a quantitative and qualitative analysis of the relevant factors influencing payment balance of pension insurance funds.

针对我国养老保险基金面临的当期收不抵支和未来收支不平衡的难题，根据部分积累平衡的数学模型，对影响养老保险基金收支平衡变动的各相关变量进行定量和定性分析讨论，并从分析结果中得出一些建议

Residents as a result of poor security in general are not earthquake insurance, which affected the lack of insurance support.

居民由于安全性差，一般不会地震保险，影响缺乏保险的支持。

There was virtually no insurance outside of hospitalization, which was limited and heavily taxed.

目前，除了住院期间的保险以外大家几乎不参加其他的健康保险，而住院保险的作用有限并且被征收很重的税。

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。。。。。。

Cynanchum Lingtai apricot production in the average weight 65 grams, the brightly-colored fruit, juicy rich, sweet-sour taste, sweet from the nucleolus, when the late Qing Dynasty famous Shaanxi, Gansu provinces, the Qing imperial court Tongzhi tribute for years.

灵台生产的牛心杏平均单果重65克，果实色泽鲜艳，汁多味浓，甜酸适口，离核仁甜，清末时就驰名陕、甘两省，清同治年间曾为朝廷贡品。

Chenopodium album,Solanum nigrum, and Amaranthus retroflexus were very susceptible to the herbicides. Polygonum persicaria and Abutilon theophrasti were relatively less susceptible to the herbicides, and Lycopersicon esculentum was not susceptible to it. The relationship between reduction rates of weed biomass and PPM values of weed leaves 2,4, and 6 days after treatment was established.

供试的6种杂草对该混剂的敏感性存在显著差异：红心藜Chenopodium album、龙葵Solanum nigrum和反枝苋Amaranthus retroflexus对该混剂最敏感，ED90值分别为47.65、71.67和29.17g/hm2；春蓼Polygonum persicaria和苘麻Abutilon theophrasti敏感，ED90值分别为96.91、114.20g/hm2；而番茄不敏感。