不保险的

On the basis of an analysis of the present profile of automobile consumer credit in China,a discussion is done on the meaning of its development. This thesis introduces the development of the market of automobile consumer credit overseas, and finds out the reasons why overseas automobile consumer credit leads to the successful development of automobile industry. It also analyses the causes of the slump in the market of automobile consumer credit in the country in aspects of influential elements such as economy,policies,society,consumption norms and so on. It has a deep discussion on some obvious problems in this field. For example,the market of automobile consumer credit is of no scale; the prices of automobiles are high; taxes are heavy and expenses are too much; average residents still have low income and no definite balance between income and predicted expenses; there is no perfect social credit system and individual credit system; there is not enough awareness of credit among the public. Taking theories in the area of industrial economics into consideration,it proposes basic measures of promoting the development of consumer credit in China: building up a credited society,a perfect and sound personal credit system.With credit database as the platform,all parties will be able to share information,improve the credit database,relevant regulations and laws as well as a risk warning system,thus operation and management of the operating entities will be improved,the cost of the practice of consumer credit will be reduced; strengthen the innovation of present financial system,develop financial products corresponding to different groups of customers,improve services,perfect the mode of "bank+insurance+automobile agents",make full use of the interne,adopt the practice of turning credit into securities.

本文在我国现阶段汽车消费信贷现状分析的基础上，对大力发展汽车消费信贷的意义进行了讨论；通过分析国外汽车消费信贷市场的发展概况，解析出国外汽车消费信贷促进汽车产业发展成功的原因；从影响汽车消费信贷市场发展的有关因素如经济环境、政策环境、社会环境和消费习惯等方面分析了我国汽车消费信贷市场现状低迷的症结所在；对中国汽车消费信贷市场的一些明显问题，如汽车消费市场尚未形成规模，汽车价格偏高，税费和使用费用负担沉重，相对较低的居民收入与预期收支不确定，社会信用体系尚未建立，个人信用制度缺失，公众信用意识淡薄等方面进行了深入探讨；立足于产业经济学理论，提出了构建信用社会，建立健全和完善个人信用体系，建立个人资信评估机构和登记制度，引入专业的资信中介机构，以信用数据库平台为基础，各方共享资源，组建客户信用数据平台，完善法规制度建设，建立健全汽车信贷消费的法律体系，建立风险预警机制，提高汽车消费信贷经营主体的经营管理水平，降低汽车信贷业务成本，加大金融制度创新的力度，开发适合不同消费群体的金融产品，提高服务质量，完善"银行+保险+汽车经销商"的汽车信贷模式，充分利用互联网、实行贷款证券化等促进我国汽车消费信贷发展的基本措施。

This opaqueness makes it more difficult for equity and debt holders to exert corporate governance of banks and it can weaken competitive forces in the product market and the market for corporate control.

除了银行的不透明之外，政府力量在银行部门的存在对于各种公司治理机制有着深刻的影响：存款保险制度或隐性的政府担保降低了债权人监督银行的激励；对银行业的规制和监管限制了银行业的竞争和并购行为：而政府成为银行的所有者则使政府不再是一个独立的监督者，并且极大地削弱了私人部门对银行进行监督的激励，也极大地抑制了银行业的竞争。

Deviation or delay in prosecuting the voyage contemplated by the policy is excused Where authorized by any special term in the policy; or Where caused by circumstances beyond the control of the master and his employer; or Where reasonably necessary in order to comply with an express or implied warranty; or Where reasonably necessary for the safety of the ship or subject-matter insured; or For the purpose of saving human life, or aiding a ship in distress where human life may be in danger; or Where reasonably necessary for the purpose of obtaining medical or surgical aid for any person on board the ship; or Where caused by the barratrous conduct of the master or crew, if barratry be one of the perils insured against.

船舶在完成保险单载明的航程中，下述绕航或延迟是许可的：保险单中特殊条款授权者；船长或其雇员不能控制的情况造成的；为遵循明示或默示保证所合理必要的；为船舶或保险标的的安全所合理必要的；为救助人命或为救护有人命危险的遇难船舶；为船上任何人员合理地及时得到内，外科治疗所合理必要的；如果&船长，船员欺诈恶行&是承保风险，由于船长或船员的欺诈恶行造成的。

Deviation or delay in prosecuting the voyage contemplated by the policy is excusedWhere arthorised by any special term in the policy ;or Where caused by circumstances beyond the control of the master and his employer;or Where reasonably necessary in order to comply with an express or implied warranty;or Where reasonably necessary for the safety of the ship or subject-matter insured; or For the purpose of saving human life, or aiding a ship in distress where human life may be in danger; or Where reasonably necessary for the purpose of obtaining medical or surgical aid for any person on board the ship;or Where caused by the barratrous conduct of the master or crew, if barratry be one of the perils insured against.

（1）船舶在进行保险单预期的航次中，下述绕航或延迟可允许：保险单中任何特别条款授权许可者，或船长和其雇员不能控制的情况造成的；或为遵循明示或默示保证所合理必须的；或为船舶和保险标的的安全所合理必要的；或为了救助人命或为援助有人命危险的遇难船舶；或为船上任何人员及时得到内、外科治疗所合理必要的；或如果&船长、船员恶意损害被保险人利益的行为&系承保风险，由于该恶意行为造成的。（2）一旦允许绕航或迟延的原因停止作用，船舶必须合理尽速地回复原航线并继续其航程。

Deviation or delay in prosecuting the voyage contemplated by the policy is excusedWhere arthorised by any special term in the policy ;or Where caused by circumstances beyond the control of the master and his employer;or Where reasonably necessary in order to ply with an express or implied warranty;or Where reasonably necessary for the safety of the ship or subject-matter insured; or For the purpose of saving human life, or aiding a ship in distress where human life may be in danger; or Where reasonably necessary for the purpose of obtaining medical or surgical aid for any person on board the ship;or Where caused by the barratrous conduct of the master or crew, if barratry be one of the perils insured against

（1）船舶在进行保险单预期的航次中，下述绕航或延迟可允许：保险单中任何特别条款授权许可者，或船长和其雇员不能控制的情况造成的；或为遵循明示或默示保证所合理必须的；或为船舶和保险标的的安全所合理必要的；或为了救助人命或为援助有人命危险的遇难船舶；或为船上任何人员及时得到内、外科治疗所合理必要的；或如果&船长、船员恶意损害被保险人利益的行为&系承保风险，由于该恶意行为造成的。（2）一旦允许绕航或迟延的原因停止作用，船舶必须合理尽速地回复原航线并继续其航程。

1Deviation or delay in prosecuting the voyage contemplated by the policy is excusedWhere authorized by any special term in the policy; orWhere caused by circumstances beyond the control of the mast er and his employer; orWhere reasonably necessary in order to comply with an expres s or implied warranty; orWhere reasonably necessary for the safety of the ship or sub ject-matter insured; orFor the purpose of saving human life, or aiding a ship in di stress where human life may be in danger; or Where reasonably necessary for the purpose of obtaining med ical or surgical aid for any person on board the ship orWhere caused by the barratrous conduct of the master or crew , if barratry be one of the perils insured against.

1船舶在完成保险单载明的航程中，下述绕航或延迟是许可的：保险单中特殊条款授权者；船长或其雇员不能控制的情况造成的；为遵循明示或默示保证所合理必要的；为船舶或保险标的的安全所合理必要的；为救助人命或为救护有人命危险的遇难船舶；为船上任何人员合理地及时得到内，外科治疗所合理必要的；如果&船长，船员欺诈恶行&是承保风险，由于船长或船员的欺诈恶行造成的。

Nevertheless, without going into the minutiae of the business, the eloquent fact remained that the sea was there in all its glory and in the natural course of things somebody or other had to sail on it and fly in the face of providence though it merely went to show how people usually contrived to load that sort of onus on to the other fellow like the hell idea and the lottery and insurance which were run on identically the same lines so that for that very reason if no other lifeboat Sunday was a highly laudable institution to which the public at large, no matter where living inland or seaside, as the case might be, having it brought home to them like that should extend its gratitude also to the harbourmasters and coastguard service who had to man the rigging and push off and out amid the elements whatever the season when duty called Ireland expects that every man and so on and sometimes had a terrible time of it in the wintertime not forgetting the Irish lights, Kish and others, liable to capsize at any moment, rounding which he once with his daughter had experienced some remarkably choppy, not to say stormy, weather.

尽管如此，即使不细微地进行调查，大海依然光辉灿烂地存在着这一雄辩的事实终归是无法否定的。一般总会有人大胆地违悖天意，继续航行。不过，这也仅仅表示人们通常是怎样挖空心思把此类重担转嫁给旁人。比方说，地狱这个观念也罢，彩票和保险也罢，都是同一性质的，因此，单凭这个理由，&救生艇星期日&这一组织也是值得嘉许的。广大公众不论住在内地还是海边，一旦清楚地了解了，就应该感谢水上警察署长和沿岸警备队克尽职责。因为不论什么季节，爱尔兰期待每人今天各尽自己的职责等等。冬季有时天气恶劣，也非出发不可。他们得安排人去管缆绳，不要忘了那些爱尔兰灯船，基什的，还有旁的。随时都有可能翻船。有一次他带着女儿乘船绕过它航行。虽然还说不上是狂风暴雨的天气，倒也饱尝了恶浪翻滚的滋味。

In addition, the value of new business, the Chinese counterpart of the safety of the new business at 14 times the value of the multiplier; China Life new business value of the corresponding multiplier for 33 times, 18 times that of China Pacific Insurance; assessment Value has become conservative, he thought the insurance industry in China due to policies of protection, as opposed to other industries, in this round of economic adjustment, the insurance industry the impact would be relatively small, the effect will become a safe haven.

此外，新的商业价值，新业务的安全中对应的14倍乘数的价值；中国人寿新业务价值相应的33倍，18倍乘数对中国太平洋保险，评估价值变得保守，他认为，由于在中国的保护政策，而不是其他行业在这一轮的经济调整，保险业，保险业的影响将相对较小，效果会成为一个安全的避风港。

The following factors, among others, could cause actual results and future events to differ materially from those set forth or contemplated in the forward-looking statements: defaults on or non-renewal of leases by tenants or renewal at lower-than-expected rent or failure to lease at all or on favorable terms, decreases in real estate values and impairment losses, increased interest rates and operating costs or greater-than-expected capital expenditures, our failure to obtain, renew or extend necessary financing, re-financing risks, risks related to our obligations in the event of certain defaults under co-investment ventures and other debt, risks related to debt and equity security financings, difficulties in identifying properties to acquire and in effecting acquisitions, our failure to successfully integrate acquired properties and operations, our failure to divest properties we have contracted to sell or to timely reinvest proceeds from any divestitures, our failure to contribute properties to our co-investment ventures, risks and uncertainties affecting property development, value-added conversions, redevelopment and construction (including construction delays, cost overruns, our inability to obtain necessary permits and public opposition to these activities), our failure to qualify and maintain our status as a real estate investment trust, risks related to our tax structuring, failure to maintain our current credit agency ratings or to comply with our debt covenants, environmental uncertainties, risks related to natural disasters, financial market fluctuations, changes in general economic conditions, global trade or in the real estate sector, inflation risks, changes in real estate and zoning laws, a continued or prolonged downturn in the U.S., California or global economy, risks related to doing business internationally and global expansion, risks of opening offices globally, risks of changing personnel and roles, losses in excess of our insurance coverage, unknown liabilities acquired in connection with acquired properties or otherwise and increases in real property tax rates.

以下因素可能会导致实际结果和未来事件与前瞻性陈述产生重大出入：承租人拖欠租金或者不续租；利率以及经营成本的提高；我们未能获得必要的外部融资；再融资的风险；与合资项目和其它债务发生特定违约时我方承担的义务有关的风险；与债务和股权融资有关的风险；确定拟收购的物业以及完成收购过程中遇到的困难；我们未能成功整合收购的物业和业务；我们未能剥离已经签约出售的物业或未能及时将剥离带来的收益再投资；影响物业开发和建设的风险和不确定性（包括建设延期、费用超支、我们无法获得项目建设所需的必要批准以及公众对项目开发建设的反对等）；我们无法获得或者维持作为房地产投资信托公司的资质；与我们的税收策划有关的风险；无法保持我们目前的信用评级；环保方面的不确定性；与自然灾害有关的风险；金融市场的波动；整体经济状况或者房地产业的变化；房地产和城市规划法律的调整；美国、加利福尼亚州或者全球经济的衰退；与开展国际业务和全球扩张有关的风险；保险范围之外的损失；与被收购的物业有关的或者其它未知责任以及房地产税率的提高等。我们的成功还依赖于总体经济走向，包括利率、所得税法、政府监管、立法、人口总数变化以及我们在10-K表中作的截至2009年12月31日的季度报告中&风险因素&和其它标题项下阐述的其它问题。

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。