保险实务

最后，本文运用了典型案例分析论证了诚实信用原则在我国保险实务中存在问题，产生的原因并提出了若干建议。

At last , the thesis discusses and analyzes the existing problems and its reason on good faith principle hi insurance practice of our country , and puts forward some proposals .

在目前的保险实务与司法实践中，存在着诸多与保险合同解除有关的实际问题，影响了双方当事人利益的平衡和保险业的健康发展。

In the current insurance practice and judicial practice , there are a number of practical issues related to insurance contract rescission , affecting the balance between the interests of both parties and the healthy development of the insurance industry .

最大诚信原则在保险实务中的运用

Apply the principle of utmost good faith to insurance business

但不论是对我国现有的法学理论界还是保险实务界而言，所有权保险都是一个全新的概念，我国也没有相关的立法。

But title insurance is a new conception for whether theory or practice .

因此，保险实务中要注意：现金价值条款应尽量通俗化；

Therefore , it is necessary to pay attention to substantive insurance : cash value provisions should be accessible ;

而在实际保险实务中当保险公司的盈余过程低于某一限度时，保险公司就面临着破产问题，所以本文就这两种情况都进行了讨论。

But in the fact , insurance company is facing bankruptcy when the surplus as a limit below . So the two aspects are discussed .

在财产保险实务中如果出现重复保险，保险人通常采用比例分摊的方式来体现保险合同各方的公平原则。

It is the common practice that insurers adopt the rateable method to embody the fair principle of all the parties concerned when overlapping insurance occurred in general property policies .

破产理论一直是风险理论的研究核心，对它的研究既有保险实务的应用背景，又有概率论上的兴趣。

Research on ruin theory has always been playing a pivot role in the study of risk theory since it bears both an insurance practical background and interests of probability theory .

在保险实务中，依据什么样的原则，运用何种解释方法解释保险合同，直接关系到保险合同能否顺利履行以及保险合同纠纷是否能得到公正的解决。

Which rule to follow and which explanation method to use for explaining insurance contract in insurance practice directly concerns whether insurance contract can be smoothly executed and contract dissension fairly solved .

但与此同时，该制度又是保险实务和理论研究中最具争论性又很难被人掌握的问题。

But at the same time , this system also is the problem that has the dispute and is difficultly grasped by the person in the solid service and the fundamental research dispute very .

风险理论主要研究保险实务中的随机风险模型，是近代应用数学的一个重要分支，也是当前精算学界的热门课题。

Risk theory studies mainly the stochastic risk model of insurance Actuality . Not only it is a important embranchment of application mathematics in modern , but also a hot topic in the present actuarial science research .

同时，针对保险实务中保险单、暂保单的法律性质以及保险费法律性质的争议，笔者在文章第四部分对其进行了法律性质界定，最后提出了一些相关的立法建议。

In the fourth part of the article , the author defines the legal nature is the insurance practice of the insurance policy , the temporarily insurance policy and the insurance premium and give some suggestions of the legislation .

在保险实务中发生保险竞合的主要原因是各个保险单位信息不匹配，缺乏交流，应建立一个系统，可以规避或减少保险竞合问题发生。

The insurance unit of information does not match and lack of communication that is mainly due to the various competing insurance in the insurance practice , so should be established a system of competing insurers which can avoid or reduce problems .

控制投资和再保险，使得期望财富效用最大或破产概率最小，无论在理论上，还是在保险实务中，都具有十分重要的意义。

Subject to the control of investment and reinsurance , maximizing the expected wealth utility and minimizing the probability of ruin have a great deal of theoretical and practical significance . Firstly , the paper studies the diffusion approximation of the classical risk model .

财产保险经营实务：企业与家庭财产保险、机动车辆保险、船舶保险、国内货物运输保险、工程保险、责任保险、农业保险。

Practice of Property Insurance : enterprise and household insurance , motor insurance , hull insurance , inland cargo insurance , engineering insurance , liability insurance and agriculture insurance etc.

海上运输货物保险法律与实务

The Laws and Practices of the Sea-translated Cargo Insurance

在我国保险立法以及保险实务中，作为二十世纪责任保险领域最具特色制度的抗辩与和解义务制度，并未得到应有的重视，理论上对该问题也缺乏全面深入的探讨。

As the most distinguished system in liability insurance in the 20th century , the duty to defend and settle has not been attached importance under the current Chinese legislation and in the insurance practice , and the above duty has also been a rare target for relevant academic research .

失能收入损失保险目前在我国保险实务中几乎处于空白状态。

Disability income insurance is almost in blank in China 's insurance practice .

保险代理人作为我国保险实务工作的重要组成部分，是签定保险合同、险情发生后进行理赔等程序中的重要环节，应当发挥重要作用。

As an important component of the insurance practice , it is the crucial link in the procedures of signing contracts and settlement of claims , which must play a vital role .

人身保险利益在保险的法理和实务中都具有重要的意义。

Issue of insurable interest in insurance contract for carriage of goods by sea ;

本论文采用了理论研究和实证研究相结合的方法，对保证保险这一险种从保险原理、实务经营和司法实践等三大方面进行全方面、多层次的探讨。

The thesis adopts the theoretic approach and the practical approach , and discusses the bonds from multiple perspectives including the business , operational and judicial levels .

因此，在告知义务人违反告知义务后，保险人如何行使解除权是保险实务争论的焦点，也是本章重点讨论的问题。

Therefore , after informing the volunteer who has violated the duty , the insurer how to use the power to relieve the contract is the focal point ;

告知义务人应向保险人履行告知义务，但在保险实务中，他们接触较多的是保险人的个人代理人，本文认为保险人及其代理人具有告知领受权，这就是告知的主体。

The obligors ought to disclose to the insurer . In practice the person that they have opportunity to contact is not the representative of the insurer , but the salesman who sells policies .

因此，笔者希望通过本文的写作，尽可能地实现对船舶抵押权保险较为系统的理论研究，以有助于其保险实务的开展。

The author wrote this dissertation for the purpose of realizing the systematic study of this insurance and promoting the development of practice hereto .

从合同解除的法理基础出发，进而再对保险合同解除的效力进行综合分析，目的在于解决在保险实务中有关保险合同解除的适用中对平衡各方的利益存在的问题。

This paper discusses the solutions to the problems lie in the insurance practice of the rescindment of the insurance contract to balance the benefits of the both parties based on the analysis of the relevant laws .

第三部分讨论了我国《保险法》关于人身保险利益原则的规定以及保险利益的认定实务，并对此提出了改进相关规定的看法。

Thirdly , the author discusses stipulations on principle of insurable interest of life insurance in our country , as well as practice of recognition .

对无赔款实行费率优待和对赔款实行费率惩罚的无赔款优待制度一直是保险公司吸引客户和强化公平的手段之一，也一直是保险理论界和实务界研究的重点之一。

NCD that the premium is discounted without claim and the premium is punished with claim is one way of the insurance company which attracts the customer and strengthens the fairness , and also is one of the focal points that the theory circle and practice circle of the insurance .

在实践中，承认股东对公司财产具有保险利益，可以通过定值保险、不定值保险、概括保险等方式进行实务操作。

In reality , acknowledged that the shareholder has insurable interest to the company property , may carry on the practice operation by insurance methods such as valued policy insurance , unvalued policy insurance , generalize insurance .

我国人口老年化的加剧以及2004年底我国保险市场完全对外开放；在这些因素共同影响下，使团体健康保险成为理论和实务界倍受关注的焦点问题。

The population old age trend turn worse in our country and our country 's insurance industry opens completely at the end of 2004 , the group health insurance become the focus of theories and the practice fields .

而海上保险单证作为海上保险操作的外在表现形式和主要书面凭证，其交接和传递贯穿于海上保险实务的全过程。

And marine insurance documents is the external manifestation and main written documents of marine insurance , its transfer and delivery extends throughout the whole marine insurance process .