保险公司

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 case of slight accident in non-road environment, Party B shall report to traffic administration department or the insurance company and waiting for the perambulation.

乙方所租用车辆在非正式道路上发生单车轻微肇事事故，应立即向交通管理部门报案或向保险公司报案，等待保险公司到现场勘查，甲方代为向保险公司索赔，保险公司实行40%的绝对免赔率，理赔不足部分由乙方承担。

Despite the China Insurance Regulatory Commission for approval of the Prudential Life Insurance, EMC agricultural security, Tian An Insurance, the National Security 4 million farmers commissioned third-party insurance companies to carry out stock investment qualifications, but from the insurance asset management company news show that many insurance companies to avoid risks, not eager to enter the secondary market, only a small amount of insurance funds for the short-term operation.

尽管中国保险监督管理委员会的信诚人寿保险，EMC的农业安全天安保险，国家安全4万农民委托审批第三方保险公司进行股票投资资格，但是从保险资产管理公司的消息表明，许多保险公司规避风险，并不急于进入二级市场，只有少量保险资金的短线操作。

Despite the China Insurance Regulatory Commission for approval of the Prudential Life Insurance, EMC agricultural security, Tian An Insurance, the National Security 4 million farmers commissioned third-party insurance companies qualifications to carry out stock investment, but the insurance asset management companies from the news show that many insurance companies to avoid risks, not eager to enter the secondary market, only a small amount of insurance funds for the short-term operation.

新的军队单位的利率风险并不大，规模行为的猎人进入市场或短期尽管中国保险监督管理委员会的信诚人寿保险，EMC的农业安全天安保险，国家安全四百万农民委托第三方保险的批准公司的资格进行股票投资，但保险资产的消息显示，不少保险公司为规避风险，并不急于进入二级市场的管理公司，只有少量保险资金的短线操作。

Chinese United Property Insurance Company is the country's second state-owned insurance companies,"the Xinjiang Construction Corps Insurance Company" by restructuring, the company was founded in July 1986 and is also the only "Chinese" state-owned title insurance company , a registered capital of 1.5 billion yuan.

中华联合财产保险股份有限公司是由全国第二家国有保险公司"新疆建设兵团保险公司"改制而成，公司始创于1986年7月，也是国内唯一以"中华"冠名的国有保险公司，注册资本为人民币十五亿元。

Nevertheless, auditors annually certify the numbers given them by management and in their opinions unqualifiedly state that these figures "present fairly" the financial position of their clients. The auditors use this reassuring language even though they know from long and painful experience that the numbers so certified are likely to differ dramatically from the true earnings of the period. Despite this history of error, investors understandably rely upon auditors' opinions. After all, a declaration saying that "the statements present fairly" hardly sounds equivocal to the non-accountant.

大家应该对保险公司的盈余数字时时抱持怀疑的态度，(当然也包含我们公司本身，事实证明确是如此)，过去十年来的记录显示，有许多显赫一时的保险公司报告给股东亮丽的盈余数字最后证明只不过是一场空，在大部分的情况下，这种错误是无心的，我们诡谲多变的司法制度，使得就算是最有良知的保险公司都无法准确预测这类长期保险的最终成本。

Insurance fraud can be specified such conduct as misstating the insurance object,making up the Insurance reasons,exaggerating the Insurance loss or even wiffully creating Insurance accident in default of Insurance contract and the management of insurer .

投保人、被保险人、受益人或者保险公司的工作人员利用保险合同与保险公司管理上的缺陷，通过虚拟保险标的、谎报保险事故、编造保险原因、夸大损失程度、故意制造保险事故等获得保险金，是保险欺诈的主要表现形式

Then in the pooling contract, if the proportion of Dares is large enough, the loss is overcompensated, if the proportion of Dares is small, loss is undercompensated.

在混同保险合同中，当保险市场上不诚信的投保人比例足够大的时候，保险公司应该向投保人提供过度保险，当不诚信投保人的比例比较小时，保险公司应该向投保人提供部分保险。

Minimum investment for maximum interest is the internal origin of insurance swindling; the policy-holder, the insurant, the beneficiary or the clerk of the insurance company take advantages of the bugs in insurance contracts and insurance company management to aim at illegal income by means of inventing insurance object, producing false notice about the risk faced by the insurance object, repeating buying the same insurance item, or buying insurance services via insurance object without insurance interest.

投保人以较少的&投入&获得奇高的回报，是保险欺诈产生的内在基础；投保人、被保险人、受益人或者保险公司的工作人员利用保险合同与保险公司管理上的缺陷，通过虚构保险标的、对保险标的所面临的风险做虚假告知、购买重复保险、以不具有保险利益的保险标的投保。

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。

Chrysanthemum of 10 thousand birthday is lax to edaphic requirement, with the arenaceous qualitative loam with fecund, good drainage had better.

万寿菊对土壤要求不严，以肥沃。排水良好的砂质壤土为好。

He unstepped the mast and furled the sail and tied it.

他拔下桅杆，把帆卷起，系住。