{"id":1973,"date":"2019-02-15T14:57:24","date_gmt":"2019-02-15T06:57:24","guid":{"rendered":"http:\/\/www.wwunion.com\/?page_id=1973"},"modified":"2025-10-14T15:43:58","modified_gmt":"2025-10-14T07:43:58","slug":"%e7%94%a2%e9%9a%aa%e5%95%8f%e7%ad%94%e9%9b%86","status":"publish","type":"page","link":"https:\/\/www.wwunion.com\/?page_id=1973","title":{"rendered":"\u4fdd\u96aa\u8fad\u5178"},"content":{"rendered":"\n
\n

\u4fdd\u96aa\u8fad\u5178<\/h2>\n<\/div><\/div>\n\n\n\n
    \n
  • \u59d4\u4ed8 \uff08Abandonment\uff09
    \u4fc2\u6307\u5728\u6d77\u4e0a\u4fdd\u96aa\u4e4b\u4fdd\u96aa\u4e8b\u6545\u767c\u751f\uff0c\u800c\u53d7\u640d\u5bb3\u4e4b\u4fdd\u96aa\u6a19\u7684\u7269\u7b26\u5408\u4e00\u5b9a\u8981\u4ef6\u6642\uff0c\u88ab\u4fdd\u96aa\u4eba\u5f97\u5c07\u4fdd\u96aa\u6a19\u7684\u7269\u4e4b\u4e00\u5207\u6b0a\u5229\u79fb\u8f49\u65bc\u4fdd\u96aa\u4eba\uff0c\u800c\u8981\u6c42\u4fdd\u96aa\u516c\u53f8\u6309\u5168\u640d\u8ce0\u511f\u5176\u640d\u5931\u3002<\/li>\n\n\n\n
  • \u7570\u5e38\u640d\u5931 \uff08Above Normal Loss\uff09
    \u4fc2\u6307\u7531\u65bc\u67d0\u4e9b\u7279\u6b8a\u60c5\u6cc1\u6240\u9020\u6210\u4e4b\u975e\u5e38\u614b\u640d\u5931\uff0c\u4f8b\u5982\uff1a\u7531\u65bc\u706b\u5c71\u7206\u767c\u6240\u9020\u6210\u4e4b\u7279\u6b8a\u640d\u5931\u3002<\/li>\n\n\n\n
  • \u7d55\u5c0d\u8cac\u4efb \uff08Absolute Liability\uff09
    \u4fc2\u6307\u53d7\u5bb3\u4eba\u7684\u640d\u5931\uff0c\u82e5\u662f\u884c\u70ba\u4eba\u884c\u70ba\u7684\u7d50\u679c\uff0c\u5247\u884c\u70ba\u4eba\u61c9\u8ca0\u8ce0\u511f\u8cac\u4efb\u3002\u63db\u8a00\u4e4b\uff0c\u6b64\u4e00\u5236\u5ea6\u4e0b\u53ea\u554f\u7d50\u679c\u4e0d\u554f\u539f\u56e0\uff0c\u5c31\u4e00\u822c\u60c5\u5f62\u800c\u8ad6\uff0c\u5728\u7d55\u5c0d\u8cac\u4efb\u5236\u5ea6\u4e0b\uff0c\u884c\u70ba\u4eba\u5c0d\u65bc\u56e0\u4e0d\u53ef\u6297\u529b\u7684\u640d\u5931\uff0c\u4ecd\u61c9\u8ca0\u8ce0\u511f\u8cac\u4efb\u3002<\/li>\n\n\n\n
  • \u627f\u8afe \uff08Acceptance\uff09
    \u4fc2\u4ee5\u8207\u8981\u7d04\u8a02\u7acb\u5951\u7d04\u70ba\u76ee\u7684\uff0c\u6240\u70ba\u4e4b\u610f\u601d\u8868\u793a\u3002\u4ee5\u4fdd\u96aa\u5951\u7d04\u70ba\u4f8b\uff0c\u8981\u4fdd\u4eba\u5411\u4fdd\u96aa\u4eba\u63d0\u51fa\u8981\u4fdd\u4e4b\u610f\u601d\u8868\u793a\uff0c\u4fdd\u96aa\u4eba\u540c\u610f\u627f\u4fdd\u5373\u70ba\u627f\u8afe\u3002\u901a\u5e38\u4fdd\u96aa\u4eba\u627f\u8afe\u5f8c\u5373\u7c3d\u767c\u66ab\u4fdd\u55ae(Binder)\u6216\u4fdd\u96aa\u55ae\u3002<\/li>\n\n\n\n
  • \u627f\u8afe\u50f9\u984d \uff08Accepted Value\uff09
    \u4ea6\u7a31\u8a8d\u53d7\u50f9\u984d\u3002\u4fc2\u6307\u7d93\u4fdd\u96aa\u4eba\u8a8d\u5b9a\u63a5\u53d7\u4e4b\u4fdd\u96aa\u6a19\u7684\u4e4b\u8981\u4fdd\u50f9\u984d\u3002\u627f\u8afe\u50f9\u984d\u5c0d\u4fdd\u96aa\u4eba\u8207\u88ab\u4fdd\u96aa\u4eba\u5747\u6709\u62d8\u675f\u529b\u3002<\/li>\n\n\n\n
  • \u610f\u5916\u4e8b\u6545 \uff08Accident\uff09
    \u4fc2\u6307\u88ab\u4fdd\u96aa\u4eba\u6240\u7121\u6cd5\u63a7\u5236\u4e14\u6703\u9020\u6210\u4e0d\u53ef\u9810\u671f\u3001\u7121\u6cd5\u9810\u898b\u4e4b\u640d\u5bb3\u7684\u4e8b\u4ef6\u3002\u4ee5\u50b7\u5bb3\u4fdd\u96aa\u70ba\u4f8b\uff0c\u5373\u6307\u975e\u56e0\u6545\u610f\u7684\u3001\u4e0d\u53ef\u9810\u671f\u7684\u3001\u5076\u7136\u4e14\u975e\u56e0\u75be\u75c5\u6240\u5f15\u8d77\u4e4b\u5916\u4f86\u7a81\u767c\u4e8b\u6545\u9020\u6210\u88ab\u4fdd\u96aa\u4eba\u8499\u53d7\u8eab\u9ad4\u50b7\u5bb3\u4e4b\u4e8b\u4ef6\u3002<\/li>\n\n\n\n
  • \u610f\u5916\u4fdd\u96aa \uff08Accident Insurance\uff09
    \u4fc2\u6307\u9664\u4eba\u58fd\u4fdd\u96aa\u3001\u6d77\u4e0a\u4fdd\u96aa\u53ca\u706b\u707d\u4fdd\u96aa\u4ee5\u5916\u4e4b\u5176\u4ed6\u4fdd\u96aa\u7684\u7e3d\u7a31\uff0c\u5982\u822a\u7a7a\u4fdd\u96aa\u3001\u7aca\u76dc\u4fdd\u96aa\u3001\u4fdd\u8b49\u4fdd\u96aa\u3001\u5de5\u7a0b\u4fdd\u96aa\u3001\u934b\u7210\u4fdd\u96aa\u53ca\u6a5f\u68b0\u4fdd\u96aa\u7b49\u3002<\/li>\n\n\n\n
  • \u4e8b\u6545\u7387 \uff08Accident Rate\uff09
    \u6216\u7a31\u610f\u5916\u4e8b\u6545\u7387\uff0c\u4fc2\u6307\u4ee5\u67d0\u4e00\u57fa\u790e\u8a55\u4f30\u67d0\u4e00\u610f\u5916\u4e8b\u6545\u65bc\u7279\u5b9a\u671f\u9593\u4e4b\u767c\u751f\u6a5f\u7387\u3002\u4f8b\u5982 : \u4ee5\u6bcf\u4e00\u842c\u540d\u52de\u52d5\u4eba\u53e3\u70ba\u57fa\u790e\uff0c\u8a08\u7b97\u67d0\u4e00\u7279\u5b9a\u671f\u9593\u5167\u4e4b\u8077\u696d\u50b7\u5bb3\u60c5\u6cc1\uff0c\u6240\u5f97\u4e4b\u8077\u696d\u50b7\u5bb3\u7387\u5373\u70ba\u4e8b\u6545\u7387\u4e4b\u4e00\u7a2e\u3002<\/li>\n\n\n\n
  • \u610f\u5916\u4e8b\u6545\u640d\u5931\u984d\u5ea6 \uff08Accident Severity\uff09
    \u4fc2\u6307\u67d0\u4e00\u610f\u5916\u4e8b\u6545\u6240\u81f4\u67d0\u4e00\u7279\u5b9a\u8ca1\u7522\u640d\u5931\u4e4b\u56b4\u91cd\u6027\uff0c\u901a\u5e38\u4ee5\u640d\u5931\u91d1\u984d\u6216\u8ca1\u7522\u6bc0\u640d\u3001\u6e1b\u640d\u4e4b\u7a0b\u5ea6\u8868\u793a\u3002\u640d\u5931\u984d\u5ea6\u70ba\u8ca1\u7522\u4fdd\u96aa\u4eba\u8a55\u4f30\u5176\u6240\u627f\u64d4\u5371\u96aa\u4e26\u64da\u4ee5\u8a08\u7b97\u4fdd\u96aa\u8cbb\u7387\u4e4b\u4e3b\u8981\u4f9d\u64da\uff0c\u67d0\u4e00\u7279\u5b9a\u8ca1\u7522\u4e4b\u640d\u5931\u984d\u5ea6\u901a\u5e38\u4ee5\u610f\u5916\u4e8b\u6545\u767c\u751f\u6642\uff0c\u53ef\u80fd\u9020\u6210\u4e4b\u6700\u5927\u640d\u5931\u7a0b\u5ea6\u52a0\u4ee5\u8861\u91cf\uff0c\u4f8b\u5982:\u67d0\u4e00\u6728\u9020\u55ae\u5c64\u5efa\u7bc9\u50f9\u503c100\u842c\u5143\uff0c\u7576\u767c\u751f\u706b\u707d\u9020\u6210\u5168\u640d\u6642\uff0c\u5176\u640d\u5931\u984d\u5ea6\u5373\u70ba100\u842c\u5143\u6216100%\u3002<\/li>\n\n\n\n
  • \u4e8b\u6545\u5e74\u7d93\u9a57 \uff08Accident Year Experience\uff09
    \u4fc2\u6307\u4fdd\u96aa\u516c\u53f8\u5c31\u767c\u751f\u65bc\u5341\u4e8c\u500b\u6708\u671f\u9593\u5167\uff0c\u610f\u5916\u4e8b\u6545\u6240\u9020\u6210\u4e4b\u627f\u4fdd\u640d\u5931\uff0c\u5c0d\u61c9\u65bc\u8a72\u671f\u9593\u5167\u4e4b\u4fdd\u8cbb\u6240\u4f5c\u4e4b\u7d71\u8a08\u7d00\u9304\u3002<\/li>\n\n\n\n
  • \u878d\u901a\u696d\u52d9 \uff08Accommodation Business\uff09
    \u4fc2\u6307\u5c0d\u65bc\u539f\u4e0d\u7b26\u5408\u4fdd\u96aa\u516c\u53f8\u4e4b\u4e00\u822c\u6838\u4fdd\u6a19\u6e96\uff0c\u4f46\u57fa\u65bc\u67d0\u4e9b\u7279\u5b9a\u539f\u56e0\u6216\u6574\u9ad4\u5229\u76ca\u4e4b\u8003\u616e\u800c\u4e88\u4ee5\u901a\u878d\u627f\u4fdd\u4e4b\u696d\u52d9\u3002<\/li>\n\n\n\n
  • \u4fdd\u96aa\u8cbb\u8abf\u6574\u8a08\u5283 \uff08Account Premium Modification Plan\uff09
    \u4fc2\u6307\u706b\u707d\u4fdd\u96aa\u4e2d\u5c0d\u65bc\u9023\u7e8c\u6578\u5e74\u6240\u7e73\u4fdd\u96aa\u8cbb\u5747\u9054\u67d0\u4e00\u8a2d\u5b9a\u91d1\u984d\u4ee5\u4e0a\u4e4b\u88ab\u4fdd\u96aa\u4eba\u4e4b\u4fdd\u8cbb\uff0c\u4f9d\u5be6\u969b\u7d93\u9a57\u8abf\u6574\u5176\u61c9\u7e73\u4fdd\u8cbb\u4e4b\u65b9\u6848\uff0c\u800c\u8abf\u6574\u5e45\u5ea6\u4e00\u822c\u7686\u8a2d\u6709\u6700\u9ad8\u9650\u5236\u3002<\/li>\n\n\n\n
  • \u61c9\u6536\u5e33\u6b3e\u4fdd\u96aa \uff08Accounts Receivable Insurance\uff09
    \u4fc2\u6307\u627f\u4fdd\u88ab\u4fdd\u96aa\u4eba\u7531\u65bc\u61c9\u6536\u5e33\u6b3e\u8a18\u9304\u6216\u6191\u8b49\u6bc0\u640d\u6ec5\u5931\uff0c\u9020\u6210\u61c9\u6536\u5e33\u6b3e\u5168\u90e8\u7121\u6cd5\u6536\u56de\u6216\u90e8\u4efd\u7121\u6cd5\u6536\u56de\u4e4b\u640d\u5931\uff0c\u6216\u70ba\u6536\u56de\u5e33\u6b3e\u4ee5\u53ca\u91cd\u65b0\u5efa\u7acb\u61c9\u6536\u5e33\u6b3e\u8a18\u9304\u6240\u9700\u652f\u4ed8\u4e4b\u984d\u5916\u8cbb\u7528\u4e4b\u4fdd\u96aa\u3002 \u610f\u5916\u4e8b\u6545\u9020\u6210\u61c9\u6536\u5e33\u6b3e\u8a18\u9304\u6216\u6191\u8b49\u6bc0\u640d\u6ec5\u5931\uff0c\u5c0e\u81f4\u88ab\u4fdd\u96aa\u4eba\u61c9\u6536\u5e33\u6b3e\u7121\u6cd5\u6536\u56de\u4e4b\u640d\u5931\u70ba\u88ab\u4fdd\u96aa\u4eba\u4e4b\u9593\u63a5\u640d\u5931\uff0c\u4e0d\u5c6c\u4e00\u822c\u8ca1\u7522\u4fdd\u96aa\u4e4b\u627f\u4fdd\u7bc4\u570d\uff0c\u672c\u4fdd\u96aa\u5373\u5c08\u70ba\u4fdd\u969c\u6b64\u9805\u9593\u63a5\u640d\u5931\u8a2d\u8a08\u3002<\/li>\n\n\n\n
  • \u65b0\u5951\u7d04\u6210\u672c \uff08Acquisition Costs\uff09
    \u4fc2\u6307\u4fdd\u96aa\u516c\u53f8\u70ba\u7372\u53d6\u65b0\u5ba2\u6236\u696d\u52d9\uff0c\u6240\u9700\u652f\u51fa\u4e4b\u6210\u672c\u3002<\/li>\n\n\n\n
  • \u653f\u7b56\u6027\u4fdd\u96aa \uff08Act Insurance\uff09
    \u4fc2\u6307\u4e00\u570b\u653f\u5e9c\u57fa\u65bc\u653f\u7b56\u6027\u56e0\u7d20\u53ca\u76ee\u7684\u6240\u8209\u8fa6\u4e4b\u4fdd\u96aa\u3002\u653f\u7b56\u6027\u4fdd\u96aa\u901a\u5e38\u4fc2\u5c6c\u5f37\u5236\u6027\u4fdd\u96aa\uff08Compulsory Insurance\uff09\uff0c\u4e26\u591a\u7531\u653f\u5e9c\u5236\u5b9a\u6cd5\u5f8b\u4ee5\u70ba\u5be6\u65bd\u4f9d\u64da\u3002\u6709\u6642\u653f\u5e9c\u96d6\u672a\u7279\u5225\u5c08\u8a02\u6cd5\u5f8b\uff0c\u4f46\u7531\u516c\u5eab\u88dc\u52a9\u4e00\u90e8\u4efd\u4fdd\u96aa\u8cbb\u4e4b\u4fdd\u96aa\uff0c\u4ea6\u53ef\u7a31\u70ba\u653f\u7b56\u6027\u4fdd\u96aa\u3002<\/li>\n\n\n\n
  • \u4e0d\u53ef\u6297\u529b \uff08Act Of God\uff09
    \u4fc2\u6307\u610f\u5916\u4e8b\u6545\u7684\u767c\u751f\u4fc2\u7531\u975e\u4eba\u70ba\u4e4b\u81ea\u7136\u56e0\u7d20\u6240\u9020\u6210\uff0c\u4e14\u7121\u6cd5\u4e8b\u5148\u9810\u6e2c\u800c\u907f\u514d\u3002<\/li>\n\n\n\n
  • \u5be6\u969b\u73fe\u91d1\u50f9\u503c \uff08Actual Cash Value\uff09
    \u4fc2\u6307\u640d\u5931\u767c\u751f\u7576\u6642\u8ca1\u7522\u4e4b\u5be6\u969b\u50f9\u503c\u3002\u7576\u610f\u5916\u4e8b\u6545\u767c\u751f\u6642\uff0c\u5c07\u906d\u53d7\u640d\u5931\u8ca1\u7522\u4e4b\u91cd\u7f6e\u6210\u672c\u6e1b\u53bb\u6298\u820a\u6216\u81ea\u7136\u8017\u640d\u5f8c\u4e4b\u91d1\u984d\uff0c\u5373\u70ba\u8a72\u8ca1\u7522\u4e4b\u5be6\u969b\u73fe\u91d1\u50f9\u503c\u3002\u5be6\u969b\u73fe\u91d1\u50f9\u503c\u70ba\u4e00\u822c\u8ca1\u7522\u4fdd\u96aa\u7406\u8ce0\u6642\uff0c\u8a55\u4f30\u5be6\u969b\u640d\u5931\u91d1\u984d\u4e4b\u6a19\u6e96\u3002\u8ca1\u7522\u4fdd\u96aa\u6240\u63d0\u4f9b\u4e4b\u4fdd\u969c\uff0c\u4ee5\u88dc\u511f\u88ab\u4fdd\u96aa\u4eba\u56e0\u610f\u5916\u4e8b\u6545\u6240\u906d\u53d7\u4e4b\u5be6\u969b\u640d\u5931\u70ba\u9650\uff1b\u6298\u820a\u6216\u81ea\u7136\u8017\u640d\uff0c\u5747\u975e\u610f\u5916\u4e8b\u6545\u6240\u81f4\u4e4b\u640d\u5931\uff0c\u56e0\u6b64\u8a08\u7b97\u5be6\u969b\u640d\u5931\u6642\uff0c\u61c9\u81ea\u8ca1\u7522\u4e4b\u5be6\u969b\u50f9\u503c\u4e2d\u4e88\u4ee5\u6263\u9664\u3002<\/li>\n\n\n\n
  • \u5be6\u969b\u73fe\u91d1\u50f9\u503c\u4fdd\u96aa\u55ae \uff08Actual Cash Value Policy\uff09
    \u5be6\u969b\u73fe\u91d1\u50f9\u503c\u4fdd\u96aa\u55ae\u4fc2\u4ee5\u4fdd\u96aa\u6a19\u7684\u4e4b\u5be6\u969b\u73fe\u91d1\u50f9\u503c\u4f5c\u70ba\u8a55\u5b9a\u57fa\u790e\u7684\u4fdd\u96aa\u55ae\uff0c\u6709\u5225\u65bc\u4ee5\u56fa\u5b9a\u4fdd\u96aa\u91d1\u984d\u627f\u4fdd\u67d0\u4e00\u4fdd\u96aa\u6a19\u7684\u4e4b\u4fdd\u96aa\u55ae\uff0c\u5e38\u898b\u65bc\u8eca\u9ad4\u640d\u5931\u96aa\u3002\u5be6\u969b\u73fe\u91d1\u50f9\u503c\u4fdd\u96aa\u55ae\u4e4b\u4fdd\u8cbb\u8a08\u7b97\uff0c\u4fc2\u4ee5\u8207\u4fdd\u96aa\u6a19\u7684\u985e\u4f3c\u8ca1\u7522\u4e4b\u9810\u4f30\u50f9\u503c\u70ba\u57fa\u790e\uff1b\u4ee5\u8eca\u9ad4\u640d\u5931\u96aa\u70ba\u4f8b\uff0c\u5373\u4ee5\u76f8\u540c\u5ee0\u724c\u53ca\u8eca\u9f61\u4e4b\u8eca\u8f1b\u50f9\u503c\u4f5c\u70ba\u8a08\u7b97\u6a19\u6e96\u3002\u7531\u65bc\u6b64\u985e\u4fdd\u96aa\u55ae\u7121\u56fa\u5b9a\u4fdd\u96aa\u91d1\u984d\uff0c\u56e0\u6b64\u53c8\u7a31\u7121\u4fdd\u984d\u4fdd\u96aa\u55ae\uff08No Amount Policy\uff09\uff0c\u7576\u640d\u5931\u767c\u751f\u6642\uff0c\u4fdd\u96aa\u4eba\u4e4b\u8ce0\u511f\u8cac\u4efb\u4fc2\u4ee5\u8a72\u4fdd\u96aa\u6a19\u7684\u4e4b\u5be6\u969b\u73fe\u91d1\u50f9\u503c\u70ba\u9650\u3002<\/li>\n\n\n\n
  • \u5be6\u969b\u640d\u5931\u7387 \uff08Actual Loss Ratio\uff09
    \u4fc2\u6307\u4fdd\u96aa\u4eba\u6240\u7d93\u71df\u4e4b\u67d0\u4e00\u96aa\u7a2e\u65bc\u67d0\u4e00\u7279\u5b9a\u671f\u9593\u4e4b\u5be6\u969b\u640d\u5931\u7d93\u9a57\u3002\u901a\u5e38\u53ef\u4ee5\u4e0b\u5217\u516c\u5f0f\u8868\u793a\uff1a\uff08\u5df2\u767c\u751f\u640d\u5931\uff0b\u7406\u8ce0\u8cbb\u7528\uff09\/\u6eff\u671f\u4fdd\u96aa\u8cbb\u3002<\/li>\n\n\n\n
  • \u5be6\u969b\u5168\u640d \uff08Actual Total Loss\uff09
    \u4fc2\u6307\u610f\u5916\u4e8b\u6545\u767c\u751f\u6240\u81f4\u67d0\u4e00\u7279\u5b9a\u8ca1\u7522\u4e4b\u5b8c\u5168\u6bc0\u640d\u6ec5\u5931\u3002\u4e00\u822c\u8ca1\u7522\u4fdd\u96aa\u4e4b\u4fdd\u96aa\u6a19\u7684\u5982\u6709\u4e0b\u5217\u60c5\u6cc1\u4e4b\u4e00\uff0c\u5373\u5f97\u8996\u70ba\u5be6\u969b\u5168\u640d\uff1a1.\u4fdd\u96aa\u6a19\u7684\u5b8c\u5168\u6ec5\u5931\uff0c\u4f8b\u5982\u6c7d\u8eca\u88ab\u7aca\u30022.\u4fdd\u96aa\u6a19\u7684\u96d6\u975e\u5b8c\u5168\u6ec5\u5931\uff0c\u4f46\u5df2\u5931\u53bb\u5176\u539f\u6709\u4e4b\u5c6c\u6027\uff0c\u4f8b\u5982:\u6c34\u6ce5\u7d93\u6c34\u6d78\u6ce1\uff0c\u7d50\u6210\u786c\u584a\u30023.\u4fdd\u96aa\u6a19\u7684\u96d6\u5c1a\u4fdd\u6709\u5176\u5c6c\u6027\uff0c\u4f46\u5df2\u7121\u6cd5\u5fa9\u6b78\u88ab\u4fdd\u96aa\u4eba\uff0c\u4f8b\u5982:\u5931\u8e64\u9054\u4e00\u5b9a\u671f\u9593\u4e4b\u8239\u8236\u3002\u7576\u4fdd\u96aa\u6a19\u7684\u906d\u53d7\u5be6\u969b\u5168\u640d\u6642\uff0c\u4fdd\u96aa\u4eba\u5373\u61c9\u6309\u4fdd\u96aa\u5951\u7d04\u5167\u6709\u95dc\u5168\u640d\u4e4b\u898f\u5b9a\u4e88\u4ee5\u8ce0\u511f\u3002<\/li>\n\n\n\n
  • \u7cbe\u7b97\u5e2b \uff08Actuary\uff09
    \u4fc2\u6307\u5229\u7528\u6216\u7136\u7387\u8207\u7d71\u8a08\u65b9\u6cd5\u8655\u7406\u4fdd\u96aa\u696d\u52d9\u4e4b\u7d93\u71df\u53ca\u5176\u76f8\u95dc\u554f\u984c\u4e4b\u5c08\u9580\u4eba\u54e1\u3002\u7cbe\u7b97\u5e2b\u4e4b\u4e3b\u8981\u5de5\u4f5c\u5305\u62ec\u4fdd\u8cbb\u4e4b\u8a08\u7b97\u3001\u5404\u7a2e\u6e96\u5099\u91d1\u4e4b\u63d0\u5b58\u8a55\u4f30\u3001\u9577\u77ed\u671f\u8cc7\u91d1\u904b\u7528\u7e3e\u6548\u9810\u6e2c\u53ca\u80a1\u5229\u5206\u914d\u7b49\u3002\u7cbe\u7b97\u5e2b\u8cc7\u683c\u4e4b\u53d6\u5f97\u591a\u7531\u901a\u904e\u5404\u570b\u7cbe\u7b97\u5e2b\u8003\u8a66\u800c\u4f86\u3002\u7cbe\u7b97\u5e2b\u53ef\u5c08\u7cbe\u65bc\u4eba\u58fd\u4fdd\u96aa\u3001\u8ca1\u7522\u4fdd\u96aa\u3001\u610f\u5916\u96aa\u6216\u9000\u4f11\u91d1\u5236\u5ea6\u3002<\/li>\n\n\n\n
  • \u9644\u52a0\u88ab\u4fdd\u96aa\u4eba \uff08Additional Insured\uff09
    \u4fc2\u6307\u5728\u4fdd\u96aa\u5951\u7d04\u4e0a\u96d6\u7136\u4e0d\u662f\u5217\u540d\u88ab\u4fdd\u96aa\u4eba\uff0c\u4f46\u4e5f\u53d7\u4fdd\u96aa\u5951\u7d04\u4fdd\u969c\u4e4b\u4eba\uff0c\u4e00\u822c\u4ee5\u6279\u55ae\u65b9\u5f0f\u4f5c\u9644\u52a0\u627f\u4fdd\uff0c\u6216\u662f\u5728\u4fdd\u55ae\u689d\u6b3e\u4e2d\u52a0\u4ee5\u5b9a\u7fa9\u898f\u7bc4\u3002<\/li>\n\n\n\n
  • \u984d\u5916\u751f\u6d3b\u9644\u52a0\u4fdd\u96aa \uff08Additional Living Expense Insurance\uff09
    \u4fc2\u6307\u627f\u4fdd\u88ab\u4fdd\u96aa\u4eba\u56e0\u4fdd\u96aa\u4e8b\u6545\u767c\u751f\uff0c\u88ab\u4fdd\u96aa\u8ca1\u7522\u906d\u53d7\u6bc0\u640d\u6ec5\u5931\u7121\u6cd5\u7e7c\u7e8c\u4f7f\u7528\u800c\u5fc5\u9808\u984d\u5916\u652f\u4ed8\u4e4b\u751f\u6d3b\u8cbb\u7528\u7684\u4fdd\u96aa\uff0c\u5c6c\u65bc\u5f9e\u5c6c\u640d\u5931\u4fdd\u96aa(consequential loss insurance)\u3002\u4f8b\u5982: \u4f4f\u5b85\u767c\u751f\u706b\u707d\u5f8c\uff0c\u9700\u8981\u77ed\u671f\u79df\u5c4b\u6216\u66ab\u5c45\u65c5\u9928\u4e4b\u8cbb\u7528\uff0c\u6b64\u984d\u5916\u4e4b\u751f\u6d3b\u8cbb\u7528\u5373\u53ef\u7531\u6b64\u4fdd\u96aa\u52a0\u4ee5\u88dc\u511f\u3002<\/li>\n\n\n\n
  • \u9644\u5408 \uff08Adhesion\uff09
    \u7576\u5951\u7d04\u4e4b\u5167\u5bb9\u4fc2\u7531\u4e00\u65b9\u7576\u4e8b\u4eba\u6240\u9810\u5b9a\uff0c\u4ed6\u65b9\u50c5\u5f97\u4f9d\u8a72\u5951\u7d04\u65e2\u5b9a\u4e4b\u5167\u5bb9\u6c7a\u5b9a\u662f\u5426\u63a5\u53d7\uff0c\u7121\u6cd5\u5c31\u5951\u7d04\u5167\u5bb9\u5354\u5546\uff0c\u5373\u70ba\u4e00\u7a2e\u9644\u5408\u5951\u7d04\u3002<\/li>\n\n\n\n
  • \u7406\u7b97\u5e2b \uff08Adjuster\uff09
    \u4ea6\u7a31\u7406\u7b97\u4eba\u6216\u516c\u8b49\u4eba\u3002\u6307\u5c08\u696d\u8fa6\u7406\u4fdd\u96aa\u7406\u8ce0\u4e4b\u4eba\uff0c\u5176\u8ca0\u8cac\u640d\u5931\u4e4b\u8abf\u67e5\u53ca\u4f30\u7b97\u7406\u8ce0\u984d\u5ea6\u4e4b\u5de5\u4f5c\u3002<\/li>\n\n\n\n
  • \u8a8d\u8a31\u8cc7\u7522 \uff08Admitted Asset\uff09
    \u6307\u4fdd\u96aa\u516c\u53f8\u8ca1\u52d9\u5831\u8868\u6240\u5217\u4e4b\u8cc7\u7522\uff0c\u7d93\u4e3b\u7ba1\u6a5f\u95dc\u8a55\u4f30\u8a8d\u5b9a\u53ef\u5217\u70ba\u8cc7\u7522\u8005\u3002<\/li>\n\n\n\n
  • \u9006\u9078\u64c7 \uff08Adverse Selection\uff09
    \u4fc2\u6307\u5371\u96aa\u60c5\u6cc1\u826f\u597d\u8005\u4e0d\u6b32\u8cfc\u8cb7\u4fdd\u96aa\u6216\u662f\u7e8c\u4fdd\uff0c\u4f46\u5371\u96aa\u60c5\u6cc1\u8f03\u5dee\u8005\u537b\u7a4d\u6975\u8cfc\u8cb7\u4fdd\u96aa\u6216\u7e8c\u4fdd\u4e4b\u73fe\u8c61\u3002\u4f8b\u5982: \u5065\u5eb7\u4e0d\u4f73\u8005\u7a4d\u6975\u52a0\u5165\u4fdd\u96aa\u516c\u53f8\u4e4b\u5065\u5eb7\u4fdd\u96aa\uff0c\u5c07\u98a8\u96aa\u8f49\u5ac1\u7d66\u4fdd\u96aa\u4eba\uff0c\u4f46\u5065\u5eb7\u8005\u537b\u4e0d\u9858\u610f\u8cfc\u8cb7\u5065\u5eb7\u4fdd\u96aa\u4e4b\u60c5\u6cc1\uff0c\u5373\u6240\u8b02\u9006\u9078\u64c7\u3002<\/li>\n\n\n\n
  • \u4ee3\u7406\u4eba \uff08Agent\uff09
    \u4fc2\u6307\u4f9d\u64da\u4ee3\u7406\u5951\u7d04\u6216\u6388\u6b0a\u66f8\uff0c\u5411\u4fdd\u96aa\u4eba\u6536\u53d6\u8cbb\u7528\uff0c\u4e26\u4ee3\u7406\u7d93\u71df\u696d\u52d9\u4e4b\u4eba\u3002<\/li>\n\n\n\n
  • \u4ee3\u7406\u8cbb\u7528 \uff08Agent Expense\uff09
    \u4fc2\u6307\u4fdd\u96aa\u4eba\u5c31\u5176\u76f4\u63a5\u7c3d\u55ae\u696d\u52d9\u652f\u4ed8\u4e88\u4ee3\u7406\u4eba\u4e4b\u8cbb\u7528\u3002<\/li>\n\n\n\n
  • \u4ee3\u7406\u4eba\u6b0a\u9650 \uff08Agent’s Authority\uff09
    \u4ea6\u7a31\u4fdd\u96aa\u696d\u52d9\u54e1\u4e4b\u8077\u638c\u3002\u4fc2\u6307\u4fdd\u96aa\u4eba\u4f9d\u4ee3\u7406\u5951\u7d04\u6216\u6388\u6b0a\u66f8\u6388\u8207\u5176\u4ee3\u7406\u4eba\u4e4b\u6b0a\u9650\uff0c\u901a\u5e38\u5305\u62ec\u62db\u652c\u3001\u627f\u4fdd\u3001\u7406\u8ce0\u6216\u63d0\u4f9b\u670d\u52d9\u7b49\uff0c\u4f46\u4e0d\u5305\u62ec\u6539\u8b8a\u6216\u522a\u9664\u4fdd\u96aa\u55ae\u689d\u6b3e\u3001\u66f4\u6539\u8981\u4fdd\u66f8\u3001\u5728\u5951\u7d04\u4e0a\u4f5c\u4fee\u6539\u4ee5\u53ca\u65b0\u589e\u9644\u52a0\u4fdd\u96aa\u7b49\u3002<\/li>\n\n\n\n
  • \u7d2f\u8a08\u81ea\u8ca0\u984d \uff08Aggregate Deductible\uff09
    \u4fc2\u6307\u518d\u4fdd\u96aa\u5408\u7d04\u4e4b\u689d\u6b3e\u4e2d\u7d04\u5b9a\uff0c\u65bc\u518d\u4fdd\u96aa\u4eba\u8ca0\u64d4\u518d\u4fdd\u96aa\u5408\u7d04\u7d04\u5b9a\u4e4b\u8ce0\u511f\u8cac\u4efb\u524d\uff0c\u7531\u88ab\u518d\u4fdd\u96aa\u4eba\u65bc\u5176\u81ea\u7559\u984d\u5ea6\u4ee5\u4e0a\uff0c\u53e6\u9808\u81ea\u884c\u8ca0\u8cac\u4e4b\u7e3d\u8ce0\u6b3e\u6578\u984d\u3002<\/li>\n\n\n\n
  • \u7d2f\u8a08\u8d85\u984d\u8ce0\u6b3e\u518d\u4fdd\u96aa \uff08Aggregate Excess Of Loss Reinsuuance\uff09
    \u4fc2\u6307\u539f\u4fdd\u96aa\u4eba\u65bc\u4e00\u5b9a\u671f\u9593\u5167\uff0c\u7d2f\u8a08\u652f\u4ed8\u4e4b\u8ce0\u6b3e\u7e3d\u984d\u8d85\u904e\u7d04\u5b9a\u91d1\u984d\u90e8\u5206\uff0c\u7531\u518d\u4fdd\u96aa\u4eba\u627f\u64d4\u4e4b\u518d\u4fdd\u96aa\u65b9\u5f0f\u3002\u539f\u4fdd\u96aa\u4eba\u81ea\u884c\u627f\u64d4\u4e4b\u90e8\u5206\u53ef\u4ee5\u8ce0\u6b3e\u91d1\u984d\u6216\u640d\u5931\u7387\u8868\u793a\u3002<\/li>\n\n\n\n
  • \u7d2f\u8a08\u5e74\u81ea\u8ca0\u984d \uff08Aggregate Annual Deductible\uff09
    \u4fc2\u6307\u67d0\u4e00\u7279\u5b9a\u66c6\u5e74\u6216\u6703\u8a08\u5e74\u4e4b\u5168\u90e8\u640d\u5931\u672a\u9054\u67d0\u4e00\u7d04\u5b9a\u91d1\u984d\u8005\u7686\u7531\u88ab\u4fdd\u96aa\u4eba\u81ea\u884c\u8ca0\u64d4\uff0c\u800c\u4e00\u65e6\u640d\u5931\u7d2f\u8a08\u8d85\u904e\u8a72\u7d04\u5b9a\u91d1\u984d\uff0c\u5247\u5176\u8d85\u904e\u4e4b\u640d\u5931\u7686\u7531\u4fdd\u96aa\u4eba\u8ca0\u64d4\u4e4b\u81ea\u8ca0\u984d\u578b\u614b\u3002<\/li>\n\n\n\n
  • \u7d2f\u8a08\u9650\u984d \uff08Aggregate Limit\uff09
    \u4ea6\u7a31\u7d2f\u7a4d\u9650\u984d\u6216\u7e3d\u9650\u984d\u3002\u4fc2\u6307\u4fdd\u96aa\u4eba\u65bc\u67d0\u4e00\u5b9a\u4fdd\u96aa\u671f\u9593\u4e4b\u7d2f\u8a08\u6700\u9ad8\u8ce0\u511f\u91d1\u984d\u3002\u4fdd\u96aa\u671f\u9593\u5167\u82e5\u767c\u751f\u4e00\u6b21\u4ee5\u4e0a\u4e4b\u4fdd\u96aa\u4e8b\u6545\uff0c\u4fdd\u96aa\u4eba\u4e4b\u5404\u6b21\u8ce0\u6b3e\u7d2f\u8a08\u7e3d\u984d\u4ee5\u7d2f\u8a08\u9650\u984d\u70ba\u6700\u9ad8\u9650\u5236\uff0c\u4ea6\u5373\u5728\u4fdd\u96aa\u671f\u9593\u5c46\u6eff\u524d\uff0c\u4fdd\u96aa\u4eba\u4e4b\u5be6\u969b\u8ce0\u6b3e\u82e5\u8d85\u904e\u6b64\u4e00\u9650\u984d\uff0c\u4fdd\u96aa\u5951\u7d04\u6548\u529b\u5373\u544a\u7d42\u6b62\u3002\u6b64\u9805\u9650\u984d\u898f\u5b9a\u5e38\u898b\u65bc\u8cac\u4efb\u4fdd\u96aa\u55ae\u3002<\/li>\n\n\n\n
  • \u7d04\u5b9a\u50f9\u503c \uff08Agreed Value\uff09
    \u4fc2\u6307\u4fdd\u96aa\u5951\u7d04\u96d9\u65b9\u7576\u4e8b\u4eba\u5c31\u4fdd\u96aa\u6a19\u7684\u4e4b\u50f9\u503c\u4e8b\u5148\u7d04\u5b9a\u4e4b\u984d\u5ea6\u3002\u7576\u4fdd\u96aa\u4e8b\u6545\u767c\u751f\u9020\u6210\u4fdd\u96aa\u6a19\u7684\u5168\u640d\u6642\uff0c\u4fdd\u96aa\u4eba\u5373\u4ee5\u6b64\u7d04\u5b9a\u50f9\u503c\u4f5c\u70ba\u8ce0\u511f\u984d\u5ea6\u3002<\/li>\n\n\n\n
  • \u5408\u610f \uff08Agreement\uff09
    \u4fc2\u6307\u5951\u7d04\u4e00\u65b9\u63d0\u51fa\u8981\u7d04\u4e4b\u610f\u601d\u8868\u793a\uff0c\u800c\u4ed6\u65b9\u627f\u8afe\u4e4b\u60c5\u6cc1\u3002\u4f8b\u5982\uff1a\u5951\u7d04\u7576\u4e8b\u4eba\u96d9\u65b9\u5c0d\u65bc\u5951\u7d04\u4e4b\u5167\u5bb9\u6709\u4e00\u81f4\u4e4b\u77ad\u89e3\uff0c\u6b64\u70ba\u5951\u7d04\u6210\u7acb\u4e4b\u8981\u4ef6\u3002<\/li>\n\n\n\n
  • \u5c04\u5016\u5951\u7d04 \uff08Aleatory Contract\uff09
    \u4fc2\u6307\u4ee5\u4e0d\u78ba\u5b9a\u4e4b\u610f\u5916\u4e8b\u6545\u70ba\u524d\u63d0\u6240\u7c3d\u8a02\u4e4b\u5951\u7d04\uff0c\u4fdd\u96aa\u5951\u7d04\u5373\u5c6c\u65bc\u5c04\u5016\u5951\u7d04\u3002\u4fdd\u96aa\u4eba\u662f\u5426\u61c9\u8ca0\u8ce0\u511f\u6216\u7d66\u4ed8\u4e4b\u8cac\u4efb\uff0c\u7e6b\u65bc\u5076\u7136\u4e8b\u4ef6(\u4fdd\u96aa\u4e8b\u6545)\u7684\u767c\u751f\u8207\u5426\uff0c\u65bc\u5951\u7d04\u8a02\u5b9a\u7684\u7576\u6642\u4e26\u4e0d\u80fd\u78ba\u5b9a\u3002\u4e5f\u5c31\u662f\u8aaa\u4fdd\u96aa\u4e8b\u6545\u7684\u662f\u5426\u767c\u751f\u3001\u4f55\u6642\u767c\u751f\u3001\u767c\u751f\u7684\u7d50\u679c\u3001\u7bc4\u570d\uff0c\u5728\u7c3d\u8a02\u4fdd\u96aa\u6642\u4e26\u4e0d\u78ba\u5b9a\u3002\u4e14\u96d9\u65b9\u7576\u4e8b\u4eba\u4ea6\u7686\u77ad\u89e3\u8981\u4fdd\u4eba\u6240\u7e73\u4ed8\u4e4b\u4fdd\u96aa\u8cbb\uff0c\u8207\u5176\u53ef\u80fd\u7372\u5f97\u4e4b\u4fdd\u969c\u53ca\u4fdd\u96aa\u4eba\u53ef\u80fd\u652f\u4ed8\u4e4b\u8ce0\u6b3e\u5fc5\u4e0d\u76f8\u7b49\uff0c\u56e0\u6b64\u5c04\u5016\u5951\u7d04\u70ba\u4fdd\u96aa\u5951\u7d04\u4e4b\u7279\u6027\u4e4b\u4e00\u3002<\/li>\n\n\n\n
  • \u5168\u96aa \uff08All Risks\uff09
    \u4fc2\u6307\u9664\u4fdd\u96aa\u55ae\u8f09\u660e\u70ba\u4e0d\u4fdd\u4e8b\u9805\u4e4b\u5916\u7686\u5c6c\u627f\u4fdd\u7bc4\u570d\u4e4b\u4fdd\u96aa\u3002\u5168\u96aa\u901a\u5e38\u672a\u65bc\u4fdd\u55ae\u4e2d\u9010\u4e00\u5217\u8209\u4fdd\u96aa\u4e8b\u6545\uff0c\u800c\u50c5\u6982\u62ec\u898f\u5b9a\uff0c\u9664\u4e0d\u4fdd\u9805\u76ee\u5916\uff0c\u7531\u4fdd\u96aa\u4eba\u8ca0\u8ce0\u511f\u8cac\u4efb\u3002\u4f8b\u5982:\u73fe\u884c\u5354\u6703\u6d77\u4e0a\u8ca8\u7269\u4fdd\u96aa\u4e4bA\u7d44\u689d\u6b3e\u3002<\/li>\n\n\n\n
  • \u4fdd\u96aa\u91d1 \uff08Amount Of Loss \uff09
    \u4fd7\u7a31\u4fdd\u96aa\u8ce0\u6b3e\u6216\u4fdd\u96aa\u7d66\u4ed8\uff0c\u5373\u5728\u4fdd\u96aa\u4e8b\u6545\u767c\u751f\u6642\uff0c\u4fdd\u96aa\u4eba\u652f\u4ed8\u65bc\u88ab\u4fdd\u96aa\u4eba\u6216\u53d7\u76ca\u4eba\u4e4b\u88dc\u511f\u91d1\u984d\u3002<\/li>\n\n\n\n
  • \u52d5\u7269\u4fdd\u96aa \uff08Animal Insurance\uff09
    \u4fc2\u6307\u5c07\u52d5\u7269\u4f5c\u70ba\u4fdd\u96aa\u6a19\u7684\u4e4b\u4fdd\u96aa\u3002\u5176\u627f\u64d4\u4e4b\u5371\u96aa\u4e00\u822c\u5305\u542b1.\u7531\u5916\u4f86\u4e4b\u50b7\u5bb3\u6240\u81f4\u4e4b\u6b7b\u4ea1\u30022.\u56e0\u75be\u75c5\u6240\u9020\u6210\u4e4b\u6b7b\u4ea1\u30023.\u7121\u6062\u5fa9\u5e0c\u671b\u4e4b\u50b7\u5bb3\u6216\u75be\u75c5\uff0c\u6216\u70ba\u9810\u9632\u50b3\u67d3\u75c5\u64f4\u6563\u4e4b\u5c60\u6bba\u30024.\u76dc\u96e3\u6216\u5931\u8e64\u3002\u4f46\u662f\u7531\u65bc\u4fdd\u96aa\u4e8b\u6545\u4e4b\u56e0\u679c\u95dc\u4fc2\u4e0d\u6613\u78ba\u8a8d\u3001\u98fc\u4e3b\u7ba1\u7406\u65b9\u6cd5\u6703\u5927\u5e45\u5f71\u97ff\u5371\u96aa\u7a0b\u5ea6\uff0c\u4ee5\u53ca\u52d5\u7269\u4e4b\u5e74\u9f61\u3001\u5065\u5eb7\u72c0\u614b\u3001\u5e02\u5834\u50f9\u503c\u8b8a\u5316\u5747\u5bb9\u6613\u9020\u6210\u4fdd\u96aa\u6a19\u7684\u5728\u55ae\u4f4d\u4fdd\u96aa\u671f\u9593\u5167\u4e4b\u50f9\u503c\u8b8a\u52d5\uff0c\u4e14\u8a72\u96aa\u7a2e\u4e4b\u71df\u904b\uff0c\u9808\u5177\u5099\u52d5\u7269\u5546\u54c1\u4e4b\u77e5\u8b58\u3001\u52d5\u7269\u5b78\u6216\u7378\u91ab\u5b78\u77e5\u8b58\uff0c\u4ee5\u53ca\u8a72\u52d5\u7269\u4e4b\u5e02\u5834\u52d5\u614b\u77e5\u8b58\u3002\u56e0\u6b64\uff0c\u672c\u96aa\u5c6c\u65bc\u9ad8\u71df\u904b\u96e3\u5ea6\u4e4b\u96aa\u7a2e\u3002<\/li>\n\n\n\n
  • \u52d5\u7269\u6b7b\u4ea1\u4fdd\u96aa \uff08Animal Mortality Insurance\uff09
    \u4fc2\u6307\u5c08\u70ba\u5bb6\u5ead\u4e2d\u4e4b\u52d5\u7269\u6240\u6295\u4fdd\u4e4b\u58fd\u96aa\u3002\u9664\u7279\u6b8a\u4e4b\u72c0\u6cc1\u5916\uff0c\u7576\u52d5\u7269\u56e0\u70ba\u901a\u5e38\u539f\u56e0\u6240\u9020\u6210\u4e4b\u6b7b\u4ea1(\u5305\u542b\u56e0\u4eba\u9053\u7406\u7531\u6240\u9020\u6210\u8005)\uff0c\u7686\u5728\u4fdd\u96aa\u5951\u7d04\u4e4b\u4fdd\u969c\u7bc4\u570d\u5167\u3002<\/li>\n\n\n\n
  • \u8981\u4fdd\u4eba \uff08Applicant Of Insurance\uff09
    \u4fc2\u6307\u4f9d\u6211\u570b\u73fe\u884c\u4fdd\u96aa\u6cd5\u7b2c\u4e09\u689d\u4e4b\u898f\u5b9a\u300c\u672c\u6cd5\u6240\u7a31\u8981\u4fdd\u4eba\uff0c\u6307\u5c0d\u4fdd\u96aa\u6a19\u7684\u5177\u6709\u4fdd\u96aa\u5229\u76ca\uff0c\u5411\u4fdd\u96aa\u4eba\u7533\u8acb\u8a02\u7acb\u4fdd\u96aa\u5951\u7d04\uff0c\u4e26\u8ca0\u6709\u4ea4\u4ed8\u4fdd\u96aa\u7fa9\u52d9\u4e4b\u4eba\u3002\u300d\u82e5\u4ee5\u706b\u707d\u4fdd\u96aa\u70ba\u4f8b\uff0c\u5373\u4fc2\u4ee5\u81ea\u5df1\u6216\u4ed6\u4eba\u6240\u6709\u4e4b\u4f4f\u5b85\u5efa\u7bc9\u7269\u53ca\u5176\u5167\u4e4b\u52d5\u7522\u5411\u4fdd\u96aa\u516c\u53f8\u6295\u4fdd\u4e26\u8ca0\u6709\u4ea4\u4ed8\u4fdd\u96aa\u8cbb\u7fa9\u52d9\u4e4b\u4eba\u3002\u4f8b\u5982:\u7576\u4e08\u592b\u4ee5\u59bb\u5b50\u6240\u6709\u4e4b\u4e0d\u52d5\u7522\u6216\u52d5\u7522\u5411\u4fdd\u96aa\u516c\u53f8\u6295\u4fdd\u706b\u707d\u4fdd\u96aa\u6642\uff0c\u4e08\u592b\u5373\u70ba\u8981\u4fdd\u4eba\u4e26\u8ca0\u6709\u4ea4\u4ed8\u4fdd\u96aa\u8cbb\u4e4b\u7fa9\u52d9\uff0c\u800c\u59bb\u5b50\u5247\u70ba\u88ab\u4fdd\u96aa\u4eba\u3002<\/li>\n\n\n\n
  • \u627f\u4fdd \uff08Approved\uff09
    \u4fc2\u6307\u8981\u4fdd\u4eba\u7533\u8acb\u6295\u4fdd\u4e4b\u4fdd\u96aa\u6a19\u7684\u7b26\u5408\u4fdd\u96aa\u516c\u53f8\u4e4b\u6838\u4fdd\u6a19\u6e96\uff0c\u4fdd\u96aa\u516c\u53f8\u540c\u610f\u63a5\u53d7\u8a72\u6295\u4fdd\u7533\u8acb\u4e4b\u60c5\u6cc1\u3002<\/li>\n\n\n\n
  • \u4ef2\u88c1 \uff08Arbitration\uff09
    \u4fc2\u6307\u4fdd\u96aa\u5951\u7d04\u96d9\u65b9\u4e4b\u7576\u4e8b\u4eba\uff0c\u5c0d\u4fdd\u96aa\u8ce0\u511f\u6578\u984d\u4e4b\u722d\u8b70\u52a0\u4ee5\u5354\u8abf\u4e4b\u884c\u70ba\u3002<\/li>\n\n\n\n
  • \u9810\u671f\u640d\u5931\u7387 \uff08Assumed Loss Ratio\uff09
    \u4fc2\u6307\u9810\u6e2c\u4e00\u7279\u5b9a\u671f\u9593\u5167\uff0c\u6240\u767c\u751f\u4e4b\u640d\u5931\u91d1\u984d\u8207\u6eff\u671f\u4fdd\u96aa\u8cbb\u4e4b\u767e\u5206\u6bd4\u3002<\/li>\n\n\n\n
  • \u8d77\u8ce0\u9ede \uff08Attachment Point\uff09
    \u4fc2\u6307\u8d85\u984d\u640d\u5931\u4fdd\u96aa\u6216\u518d\u4fdd\u96aa\u78ba\u8a8d\u7406\u8ce0\u8cac\u4efb\u4e4b\u8d77\u59cb\u9ede\u3002\u7576\u640d\u5931\u984d\u5ea6\u8d85\u904e\u7d04\u5b9a\u4e4b\u8d77\u8ce0\u9ede\u6642\uff0c\u8a72\u4fdd\u55ae\u4e4b\u4fdd\u96aa\u4eba\u5373\u4f9d\u7d04\u5b9a\u4e4b\u65b9\u5f0f\u7406\u8ce0\uff1b\u82e5\u640d\u5931\u984d\u5ea6\u672a\u8d85\u904e\u8d77\u8ce0\u9ede\uff0c\u5247\u8a72\u640d\u5931\u7531\u88ab\u4fdd\u96aa\u4eba\u81ea\u884c\u627f\u64d4\u3002<\/li>\n\n\n\n
  • \u4fdd\u96aa\u91d1\u984d\u81ea\u52d5\u6062\u5fa9\u689d\u6b3e \uff08Automatic Reinstatement Clause\uff09
    \u4fc2\u6307\u65bc\u4fdd\u96aa\u55ae\u4e2d\u898f\u5b9a\uff0c\u7576\u4fdd\u96aa\u6a19\u7684\u767c\u751f\u90e8\u4efd\u640d\u5931\uff0c\u800c\u4fdd\u96aa\u516c\u53f8\u8ce0\u511f\u5f8c\uff0c\u5176\u8ce0\u6b3e\u91d1\u984d\u4e0d\u9808\u7531\u4fdd\u96aa\u91d1\u984d\u4e2d\u6263\u9664\u4e4b\u689d\u6b3e\u3002\u4f9d\u6b64\u689d\u6b3e\uff0c\u5728\u4fdd\u96aa\u516c\u53f8\u8ce0\u511f\u5f8c\uff0c\u4fdd\u96aa\u91d1\u984d\u5373\u81ea\u52d5\u56de\u5fa9\u81f3\u539f\u8a02\u4e4b\u984d\u5ea6\uff0c\u4e0d\u56e0\u4fdd\u96aa\u516c\u53f8\u5df2\u8ce0\u4ed8\u82e5\u5e72\u640d\u5931\u800c\u6e1b\u5c11\u3002<\/li>\n\n\n\n
  • \u6c7d\u8eca\u4fdd\u96aa \uff08Automobile Insurance\uff09
    \u4fc2\u6307\u627f\u4fdd\u56e0\u6c7d\u8eca\u4e4b\u6240\u6709\u3001\u4f7f\u7528\u6216\u7ba1\u7406\u6240\u81f4\u4e4b\u8ce0\u511f\u8cac\u4efb\uff0c\u6216\u6c7d\u8eca\u8eca\u9ad4\u640d\u5931\u4e4b\u4fdd\u96aa\u3002\u6c7d\u8eca\u4fdd\u96aa\u4e4b\u4e3b\u8981\u96aa\u7a2e\u5206\u985e\u4e00\u822c\u5305\u62ec : \u6c7d\u8eca\u8cac\u4efb\u4fdd\u96aa\u3001\u6c7d\u8eca\u8eca\u9ad4\u640d\u5931\u4fdd\u96aa\u3001\u6c7d\u8eca\u7aca\u76dc\u4fdd\u96aa\u3002<\/li>\n\n\n\n
  • \u5371\u96aa\u907f\u514d \uff08Avoidance Of Risk\uff09
    \u4fc2\u98a8\u96aa\u7ba1\u7406\u6240\u63a1\u884c\u4e4b\u65b9\u6cd5\u4e4b\u4e00\uff0c\u70ba\u6700\u7c21\u55ae\u4e4b\u98a8\u96aa\u8655\u7406\u65b9\u6cd5\u3002\u4ea6\u5373\u5c0d\u65bc\u67d0\u9805\u5371\u96aa\u76f4\u63a5\u8a2d\u6cd5\u907f\u514d\u3002\u4f8b\u5982:\u70ba\u4e86\u907f\u514d\u56e0\u906d\u53d7\u4f4f\u5b85\u706b\u707d\u6240\u81f4\u4e4b\u8ca1\u7269\u640d\u5931\u5373\u4e0d\u8cfc\u7f6e\u4f4f\u5b85\uff0c\u6b64\u7a2e\u505a\u6cd5\u96d6\u7136\u7c21\u55ae\u4f46\u6d88\u6975\uff0c\u8f03\u52d9\u5be6\u4e4b\u505a\u6cd5\u53ef\u65bc\u8cfc\u7f6e\u4f4f\u5b85\u6642\u4e00\u4f75\u6295\u4fdd\u706b\u707d\u4fdd\u96aa\u5373\u53ef\u8655\u7406\u6b64\u5371\u96aa\u3002<\/li>\n\n\n\n
  • \u9280\u884c\u4fdd\u96aa \uff08Bancassurance\uff09
    \u5c31\u4e00\u822c\u89e3\u91cb\u800c\u8a00\uff0c\u4fc2\u4fdd\u96aa\u5546\u54c1\u884c\u92b7\u901a\u8def\u4e4b\u4e00\uff0c\u4ea6\u6307\u85c9\u7531\u9280\u884c\u901a\u8def\u92b7\u552e\u4fdd\u96aa\u5546\u54c1\uff0c\u6216\u6307\u9280\u884c\u85c9\u63d0\u4f9b\u4fdd\u96aa\u5546\u54c1\u7d66\u5ba2\u6236\u4ee5\u9032\u5165\u4fdd\u96aa\u696d\u3002<\/li>\n\n\n\n
  • \u57fa\u672c\u4fdd\u8cbb \uff08Basic Premium\uff09
    \u6839\u64da\u6a19\u6e96\u4fdd\u8cbb\u7684\u67d0\u4e00\u767e\u5206\u6bd4\uff0c\u4ee5\u6c7a\u5b9a\u707d\u5bb3\u88dc\u511f\u4fdd\u96aa\u4e4b\u5371\u96aa\u6240\u9808\u4fdd\u8cbb\u3002\u63a1\u6eaf\u5f80\u8cbb\u7387\u65b9\u6cd5\uff0c\u4ee5\u4fdd\u969c\u671f\u9593\u88ab\u4fdd\u96aa\u4eba\u4e4b\u640d\u5931\u7d93\u9a57\u70ba\u57fa\u6e96\uff0c\u5c31\u5371\u96aa\u4e4b\u6700\u7d42\u4fdd\u96aa\u8cbb\u52a0\u4ee5\u8abf\u6574\uff0c\u4f46\u6709\u6700\u9ad8\u4e0a\u9650\u53ca\u6700\u4f4e\u4e0b\u9650\u4e4b\u898f\u5b9a\u3002<\/li>\n\n\n\n
  • \u57fa\u672c\u8cbb\u7387 \uff08Basic Rate\uff09
    \u4fc2\u6307\u8cbb\u7387\u8868\u4e0a\u6240\u8f09\u57fa\u672c\u4fdd\u984d\u7684\u8868\u5b9a\u8cbb\u7387\uff0c\u7576\u5371\u96aa\u6a19\u7684\u9808\u8abf\u6574\u8cbb\u7387\u6642\uff0c\u5373\u4f9d\u6b64\u57fa\u672c\u8cbb\u7387\u4e88\u4ee5\u8abf\u6574\uff0c\u4ee5\u7b26\u5408\u5371\u96aa\u6a19\u7684\u500b\u5225\u98a8\u96aa\u4e4b\u72c0\u6cc1\u3002<\/li>\n\n\n\n
  • \u53d7\u76ca\u4eba \uff08Beneficiary\uff09
    \u5c31\u4fdd\u96aa\u800c\u8a00\uff0c\u53d7\u76ca\u4eba\u4fc2\u6307\u4fdd\u96aa\u5951\u7d04\u4e2d\u6240\u7d04\u5b9a\uff0c\u65bc\u4fdd\u96aa\u4e8b\u6545\u767c\u751f\u6642\uff0c\u4eab\u6709\u4fdd\u96aa\u91d1\u8acb\u6c42\u6b0a\u4e4b\u4eba\u3002<\/li>\n\n\n\n
  • \u7d66\u4ed8 \uff08Benefit\uff09
    \u4fc2\u6307\u4fdd\u96aa\u516c\u53f8\u56e0\u4fdd\u96aa\u5951\u7d04\u4e4b\u7d04\u5b9a\uff0c\u63d0\u4f9b\u88ab\u4fdd\u96aa\u4eba\u4e4b\u640d\u5931\u88dc\u511f\u6216\u5176\u4ed6\u4e4b\u670d\u52d9\u3002<\/li>\n\n\n\n
  • \u96d9\u52d9\u5951\u7d04 \uff08Bilateral Contract\uff09
    \u4fc2\u6307\u5951\u7d04\u96d9\u65b9\u7576\u4e8b\u4eba\u56e0\u5951\u7d04\u95dc\u4fc2\u4e4b\u767c\u751f\uff0c\u800c\u4e92\u8ca0\u7d66\u4ed8\u7fa9\u52d9\u4e4b\u5951\u7d04\u3002<\/li>\n\n\n\n
  • \u66ab\u4fdd\u55ae \uff08Binder\uff09
    \u4fdd\u96aa\u5951\u7d04\u8a02\u7acb\u6642\uff0c\u4fdd\u96aa\u4eba\u5c0d\u8981\u4fdd\u4eba\u6240\u70ba\u4e4b\u81e8\u6642\u6536\u64da\u3002<\/li>\n\n\n\n
  • \u7e3d\u62ec\u4fdd\u96aa \uff08Blanket Insurance\uff09
    \u4fc2\u4ee5\u4e00\u5f35\u4fdd\u55ae\u627f\u4fdd\u88ab\u4fdd\u96aa\u4eba\u65bc1.\u540c\u4e00\u5730\u9ede\uff0c\u4f46\u5169\u7a2e\u4ee5\u4e0a\u4e0d\u540c\u578b\u614b\u8ca1\u7522\u4e4b\u4fdd\u96aa\uff1b2.\u5728\u5169\u500b\u4ee5\u4e0a\u4e0d\u540c\u4e4b\u5730\u9ede\uff0c\u627f\u4fdd\u5169\u7a2e\u4ee5\u4e0a\u76f8\u540c\u578b\u614b\u8ca1\u7522\u4e4b\u4fdd\u96aa\uff1b3.\u5728\u5169\u500b\u4ee5\u4e0a\u4e0d\u540c\u4e4b\u5730\u9ede\uff0c\u627f\u4fdd\u5169\u7a2e\u4ee5\u4e0a\u4e0d\u540c\u578b\u614b\u8ca1\u7522\u4e4b\u4fdd\u96aa\u3002<\/li>\n\n\n\n
  • \u4fdd\u8b49\u4fdd\u96aa \uff08Bond\uff09
    \u6b64\u4fc2\u7531\u4e09\u65b9\u6240\u8a02\u5b9a\u4e4b\u5951\u7d04\uff0c\u7531\u4fdd\u96aa\u4eba\u5411\u88ab\u4fdd\u96aa\u4eba\u4fdd\u8b49\u88ab\u4fdd\u96aa\u4eba\u5c65\u884c\u67d0\u4e9b\u7279\u5b9a\u7fa9\u52d9\u4e4b\u4fdd\u96aa\u3002\u4f9d\u8a72\u4fdd\u8b49\u4e4b\u7d04\u5b9a\uff0c\u7576\u88ab\u4fdd\u8b49\u4eba\u672a\u5c65\u884c\u6709\u95dc\u7fa9\u52d9\u6642\uff0c\u5247\u7531\u4fdd\u96aa\u4eba\u8ca0\u64d4\u8ce0\u511f\u8cac\u4efb\uff0c\u4e00\u822c\u53ef\u5206\u70ba\u78ba\u5be6\u4fdd\u8b49\u4fdd\u96aa(Surety Bond)\u8207\u54e1\u5de5\u8aa0\u5be6\u4fdd\u8b49\u4fdd\u96aa(Fidelity Bond)\u5169\u985e\u3002\u4f8b\u5982 : \u71df\u9020\u5951\u7d04\u4fdd\u8b49\u4fdd\u96aa\uff0c\u6307\u4fdd\u96aa\u4eba\u4fdd\u8b49\u627f\u5305\u5546\u5c65\u884c\u8207\u627f\u5305\u5de5\u7a0b\u6709\u95dc\u7fa9\u52d9\u4e4b\u4fdd\u96aa\u3002<\/li>\n\n\n\n
  • \u8868\u5b9a\u8cbb\u7387 \uff08Book Rate\uff09
    \u65bc\u6c7d\u8eca\u4fdd\u96aa\u4e2d\uff0c\u4fdd\u96aa\u4eba\u6240\u4f7f\u7528\u9069\u7528\u65bc\u67d0\u4e00\u7279\u5b9a\u985e\u5225\u4e4b\u6a19\u6e96\u8cbb\u7387\u3002<\/li>\n\n\n\n
  • \u9055\u53cd\u5951\u7d04\u689d\u6b3e \uff08Breach Of Contract\uff09
    \u4fc2\u6307\u9055\u80cc\u6216\u4e0d\u5c65\u884c\u5951\u7d04\u4e0a\u6240\u898f\u5b9a\uff08\u6216\u7d04\u5b9a\uff09\u4e4b\u689d\u4ef6\uff0c\u6216\u9055\u80cc\u5177\u6cd5\u5f8b\u7d04\u675f\u529b\u4e4b\u5354\u5b9a\u3002\u4fdd\u96aa\u5951\u7d04\u70ba\u5177\u6709\u6cd5\u5f8b\u7d04\u675f\u529b\u4e4b\u5951\u7d04\uff0c\u4e0d\u5c65\u884c\u4fdd\u96aa\u55ae\u4e0a\u6240\u898f\u5b9a\u4e4b\u689d\u4ef6\u6216\u7d04\u5b9a\uff0c\u5c07\u69cb\u6210\u5951\u7d04\u4e4b\u9055\u53cd\u884c\u70ba\u3002\u5047\u5982\u88ab\u4fdd\u96aa\u4eba\u4e00\u65b9\u9055\u7d04\uff0c\u5247\u4fdd\u969c\u53ef\u80fd\u53d7\u5230\u9650\u5236\uff0c\u6216\u4f7f\u5951\u7d04\u6210\u70ba\u7121\u6548\u3002\u5047\u5982\u4fdd\u96aa\u4eba\u4e00\u65b9\u9055\u7d04\uff0c\u6cd5\u9662\u5c07\u5f37\u5236\u4fdd\u96aa\u4eba\u5c65\u884c\u7fa9\u52d9\u6216\u8ca0\u8d77\u640d\u5bb3\u8ce0\u511f\u8cac\u4efb\u3002<\/li>\n\n\n\n
  • \u4e8b\u6545\u767c\u751f\u539f\u56e0\u4e4b\u9593\u65b7 \uff08Broken Chain Of Events\uff09
    \u4fc2\u6307\u4e8b\u6545\u767c\u751f\u4e4b\u9023\u7e8c\u539f\u56e0\u4e2d\u767c\u751f\u4e86\u4e2d\u65b7\uff0c\u5982\u679c\u6700\u5f8c\u4e14\u76f4\u63a5\u7684\u640d\u5931\u539f\u56e0\u4e26\u975e\u4fdd\u96aa\u5951\u7d04\u6240\u7d04\u5b9a\u4e4b\u5371\u96aa\u4e8b\u6545\uff0c\u5247\u7531\u65bc\u8a72\u4e3b\u529b\u8fd1\u56e0\u4e26\u975e\u7d04\u5b9a\u4e4b\u5371\u96aa\u4e8b\u6545\uff0c\u56e0\u6b64\u4fdd\u96aa\u4eba\u4e0d\u8ca0\u88dc\u511f\u8cac\u4efb\u3002<\/li>\n\n\n\n
  • \u4fdd\u96aa\u7d93\u7d00\u4eba \uff08Broker\uff09
    \u4fc2\u6307\u57fa\u65bc\u88ab\u4fdd\u96aa\u4eba\u4e4b\u5229\u76ca\uff0c\u4ee3\u5411\u4fdd\u96aa\u4eba\u6d3d\u8a02\u4fdd\u96aa\u5951\u7d04\uff0c\u800c\u5411\u627f\u4fdd\u4e4b\u4fdd\u96aa\u696d\u6536\u53d6\u4f63\u91d1\u4e4b\u4eba\u3002<\/li>\n\n\n\n
  • \u4fdd\u96aa\u7d93\u7d00\u4eba\u516c\u53f8 \uff08Brokerage Agency\uff09
    \u5728\u4fdd\u96aa\u4e2d\uff0c\u7531\u7d93\u7d00\u4eba\u6240\u7d93\u71df\uff0c\u5c08\u9580\u66ff\u9867\u5ba2\u5206\u6790\u3001\u9078\u64c7\u4e26\u8cfc\u8cb7\u4eba\u8eab\u4fdd\u96aa\u6216\u8ca1\u7522\u4fdd\u96aa\u7684\u6c11\u71df\u516c\u53f8\u3002\u6709\u6642\u4ea6\u6307\u4eba\u58fd\u4fdd\u96aa\u6216\u5065\u5eb7\u4fdd\u96aa\u7684\u7e3d\u4ee3\u7406\u4eba\u3002<\/li>\n\n\n\n
  • \u8209\u8b49\u8cac\u4efb \uff08Burden Of Proof\uff09
    \u4fc2\u6307\u7279\u5b9a\u4e8b\u5be6\u5b58\u5728\u8207\u5426\u4e4b\u72c0\u6cc1\u4e0d\u660e\u6642\uff0c\u7576\u4e8b\u4eba\u4e4b\u4e00\u65b9\u56e0\u70ba\u6b64\u4e8b\u5be6\u4e0d\u660e\uff0c\u5c07\u906d\u81f4\u4e0d\u5229\u76ca\u4e4b\u5224\u65b7\u3002\u70ba\u4f7f\u6cd5\u9662\u76f8\u4fe1\u5176\u4e3b\u5f35\u70ba\u771f\uff0c\u4e43\u5fc5\u9808\u5c31\u8a72\u4e8b\u5be6\u63d0\u51fa\u6709\u95dc\u8b49\u64da\u4e4b\u8cac\u4efb\u3002<\/li>\n\n\n\n
  • \u7aca\u76dc\u4fdd\u96aa \uff08Burglary And Robbery Insurance\uff09
    \u4fc2\u6307\u627f\u4fdd\u88ab\u4fdd\u96aa\u4eba\u6216\u5176\u5bb6\u5c6c\u6240\u6709\u7f6e\u5b58\u65bc\u4fdd\u96aa\u55ae\u898f\u5b9a\u4e4b\u8655\u6240\uff0c\u56e0\u906d\u53d7\u7aca\u76dc\uff08\u5305\u62ec\u5f37\u76dc\u3001\u7aca\u76dc\u53ca\u5077\u7aca\uff09\u6240\u81f4\u8ca1\u7522\u4e0a\u640d\u5931\uff08\u88ab\u76dc\u53d6\u3001\u6bc0\u640d\u6216\u6c61\u640d\uff09\uff0c\u800c\u7531\u4fdd\u96aa\u4eba\u8ca0\u8ce0\u511f\u8cac\u4efb\u4e4b\u4fdd\u96aa\u3002<\/li>\n\n\n\n
  • \u5546\u696d\u6d41\u52d5\u4fdd\u96aa\u55ae \uff08Business Floater\uff09
    \u6b64\u7a2e\u4fdd\u96aa\u55ae\u4fc2\u627f\u4fdd\u4f01\u696d\u6d3b\u52d5\u4e2d\uff0c\u65bc\u7279\u5b9a\u5730\u9ede\u7d93\u5e38\u79fb\u5165\u79fb\u51fa\u4e4b\u52d5\u7522\u3002\u4f8b\u5982 : \u7269\u6d41\u696d\u8005\u6216\u5009\u5132\u696d\u8005\u7f6e\u65bc\u67d0\u5730\u9ede\u9808\u7d93\u5e38\u79fb\u5165\u79fb\u51fa\u4e4b\u7269\u54c1\uff0c\u7531\u4fdd\u96aa\u516c\u53f8\u8996\u88ab\u4fdd\u96aa\u4eba\u4e4b\u9700\u6c42\u4ee5\u4e00\u500b\u7e3d\u4fdd\u96aa\u91d1\u984d\u4e88\u4ee5\u627f\u4fdd\u4e4b\u4fdd\u55ae\u3002<\/li>\n\n\n\n
  • \u71df\u696d\u4e2d\u65b7\u4fdd\u96aa \uff08Business Interruption Insurance\uff09
    \u4fc2\u6307\u627f\u4fdd\u88ab\u4fdd\u96aa\u4eba\u56e0\u4fdd\u96aa\u4e8b\u6545\u767c\u751f\u81f4\u5be6\u9ad4\u6a19\u7684\u7269\u640d\u5931\uff0c\u9023\u5e36\u5c0e\u81f4\u71df\u696d\u4e2d\u65b7\u671f\u9593\u640d\u5931\u9810\u671f\u5229\u6f64\u4e4b\u4fdd\u96aa\uff0c\u70ba\u4e00\u7a2e\u5f9e\u5c6c\u640d\u5931\u4fdd\u96aa \u3002\u4e00\u822c\u7576\u88ab\u4fdd\u96aa\u4eba\u7684\u5ee0\u623f\u8a2d\u5099\u5df2\u6295\u4fdd\u706b\u707d\u4fdd\u96aa\u4e4b\u5f8c\u59cb\u53ef\u52a0\u4fdd \u3002<\/li>\n\n\n\n
  • \u66c6\u5e74\u5236\u7d93\u9a57 \uff08Calendar Year Experience\uff09
    \u4fc2\u6307\u4fdd\u96aa\u516c\u53f8\u6839\u64da\u66c6\u5e74\u5ea6\uff0c\u5373\u6bcf\u5e74\u4e00\u6708\u4e00\u65e5\u81f3\u5341\u4e8c\u6708\u4e09\u5341\u4e00\u65e5\u6b62\u4e4b\u671f\u9593\uff0c\u4ee5\u8a72\u671f\u9593\u6240\u6536\u53d6\u7684\u4fdd\u96aa\u8cbb\u53ca\u5df2\u767c\u751f\u7684\u5be6\u969b\u640d\u5931\u7d93\u9a57\uff0c\u800c\u975e\u4ee5\u4fdd\u96aa\u55ae\u751f\u6548\u70ba\u7d71\u8a08\u57fa\u790e\u7684\u7d93\u9a57\u8cc7\u6599\u3002<\/li>\n\n\n\n
  • \u53ef\u7d42\u6b62\u4fdd\u96aa\u55ae \uff08Cancellable \uff09
    \u4fc2\u6307\u5728\u4fdd\u96aa\u55ae\u5167\u7d04\u5b9a\uff0c\u7576\u4e8b\u4eba\u4e4b\u4efb\u4f55\u4e00\u65b9\uff0c\u5747\u53ef\u65bc\u4fdd\u96aa\u671f\u9593\u5c46\u6eff\u524d\u4f9d\u7d04\u5b9a\u4e4b\u7a0b\u5e8f\u8fa6\u7406\u7d42\u6b62\u8a72\u4fdd\u96aa\u5951\u7d04\u6548\u529b\u4e4b\u4fdd\u96aa\u55ae\u3002<\/li>\n\n\n\n
  • \u7d42\u6b62 \uff08Cancellation\uff09
    \u4ea6\u7a31\u89e3\u7d04\u3002\u4fc2\u6307\u4fdd\u96aa\u671f\u9593\u5c46\u6eff\u524d\uff0c\u4fdd\u96aa\u4eba\u6216\u8981\u4fdd\u4eba\u4f9d\u64da\u4fdd\u55ae\u689d\u6b3e\u4e4b\u7d04\u5b9a\u5f97\u96a8\u6642\u4e3b\u5f35\u4fdd\u96aa\u5951\u7d04\u4e0d\u518d\u6709\u6548\u4e4b\u884c\u70ba\u3002 \u4e00\u822c\u8ca1\u7522\u4fdd\u96aa\u55ae\u591a\u7d04\u5b9a\uff0c\u7d93\u8981\u4fdd\u4eba\u6216\u88ab\u4fdd\u96aa\u4eba\u8981\u6c42\u800c\u7d42\u6b62\u8005\u5373\u6642\u751f\u6548\u3002\u800c\u7d93\u4fdd\u96aa\u4eba\u7d42\u6b62\u8005\uff0c\u61c9\u65bc\u7d42\u6b62\u524d\u82e5\u5e72\u6642\u65e5\u901a\u77e5\u8981\u4fdd\u4eba\u6216\u88ab\u4fdd\u96aa\u4eba\u3002\u7d42\u6b62\u5f8c\u4e4b\u4fdd\u96aa\u8cbb\uff0c\u9664\u6cd5\u5f8b\u6216\u5951\u7d04\u53e6\u6709\u898f\u5b9a\u5916\uff0c\u61c9\u6309\u672a\u6eff\u671f\u65e5\u6578\u6bd4\u4f8b\u8fd4\u9084\uff1b\u7531\u8981\u4fdd\u4eba\u6216\u88ab\u4fdd\u96aa\u4eba\u7d42\u6b62\u8005\uff0c\u5247\u61c9\u6263\u9664\u5df2\u4fdd\u671f\u9593\u4e4b\u77ed\u671f\u4fdd\u96aa\u8cbb\u5f8c\u4ee5\u9918\u984d\u8fd4\u9084\u3002<\/li>\n\n\n\n
  • \u627f\u4fdd\u80fd\u91cf \uff08Capacity\uff09
    \u5c0d\u65bc\u4e00\u500b\u55ae\u7368\u7684\u5371\u96aa\u9ad4\uff0c\u4fdd\u96aa\u4eba\u6240\u80fd\u627f\u53d7\u7684\u6700\u9ad8\u4fdd\u969c\u984d\u7684\u80fd\u529b\uff0c\u4ea6\u5373\u4fdd\u96aa\u4eba\u6240\u80fd\u627f\u4fdd\u7684\u6700\u9ad8\u9650\u984d\u3002\u7522\u7269\u4fdd\u96aa\u4eba\u4e4b\u627f\u4fdd\u80fd\u91cf\u901a\u5e38\u53d6\u6c7a\u65bc\u5176\u4fdd\u7559\u76c8\u9918\u8207\u8cc7\u672c\u984d\u3002\u800c\u518d\u4fdd\u96aa\u5247\u662f\u4e00\u500b\u589e\u52a0\u4fdd\u96aa\u4eba\u627f\u4fdd\u80fd\u91cf\u7684\u65b9\u6cd5\uff0c\u900f\u904e\u518d\u4fdd\u96aa\u53ef\u964d\u4f4e\u672a\u6eff\u671f\u4fdd\u8cbb\u6e96\u5099\u91d1\u3001\u7a69\u5b9a\u627f\u4fdd\u54c1\u8cea\u4e26\u6709\u64f4\u5927\u8ca1\u52d9\u904b\u7528\u4e4b\u529f\u80fd\u3002<\/li>\n\n\n\n
  • \u8cc7\u672c \uff08Capital\uff09
    \u4fc2\u6307\u80a1\u4efd\u4fdd\u96aa\u516c\u53f8\u7684\u696d\u4e3b\u6b0a\u76ca\u3002\u516c\u53f8\u7684\u8cc7\u672c\u8207\u76c8\u9918\u7b49\u65bc\u8cc7\u7522\u6e1b\u8ca0\u50b5\uff0c\u5176\u50f9\u503c\u5728\u516c\u53f8\u767c\u751f\u8ca1\u52d9\u554f\u984c\u6642\uff0c\u53ef\u4fdd\u969c\u8a72\u516c\u53f8\u4fdd\u55ae\u6301\u6709\u4eba\u4e4b\u6b0a\u76ca\uff0c\u4ea6\u5373\u4fdd\u55ae\u6301\u6709\u4eba\u4e4b\u4fdd\u96aa\u7d66\u4ed8\u53d7\u4fdd\u96aa\u516c\u53f8\u8cc7\u672c\u7684\u4fdd\u969c\u3002\u80a1\u6771\u4e4b\u6b0a\u76ca\u4fc2\u6b21\u65bc\u4fdd\u96aa\u55ae\u6301\u6709\u4eba\u3002<\/li>\n\n\n\n
  • \u4e00\u6b21\u7d66\u4ed8\u91d1\u984d \uff08Capital Sum\uff09
    \u4ea6\u7a31\u6700\u9ad8\u7d66\u4ed8\u91d1\u984d\u3002\u4fc2\u6307\u4fdd\u96aa\u4eba\u5c0d\u65bc\u56e0\u4fdd\u96aa\u55ae\u627f\u4fdd\u4e4b\u610f\u5916\u4e8b\u6545\u81f4\u6210\u88ab\u4fdd\u96aa\u4eba\u6b7b\u4ea1\u6216\u9ad4\u50b7\u6642\uff0c\u4e00\u6b21\u8ce0\u4ed8\u4e4b\u6700\u9ad8\u91d1\u984d\u3002<\/li>\n\n\n\n
  • \u8cc7\u672c\u516c\u7a4d \uff08Capital Surplus\uff09
    \u4e00\u822c\u4fc2\u6307\u6cd5\u5f8b\u898f\u5b9a\u516c\u53f8\u5c31\u67d0\u4e9b\u6536\u5165\u5fc5\u9808\u63d0\u64a5\u51fa\u4f86\uff0c\u4f5c\u70ba\u516c\u53f8\u61c9\u6025\u4e4b\u7528\u8005\u800c\u8a00\u3002<\/li>\n\n\n\n
  • \u5c08\u5c6c\u4ee3\u7406\u4eba \uff08Captive Agent\uff09
    \u4fc2\u6307\u50c5\u4ee3\u7406\u67d0\u4e00\u7279\u5b9a\u4fdd\u96aa\u696d\u4e4b\u4ee3\u7406\u4eba\u3002<\/li>\n\n\n\n
  • \u5c08\u5c6c\u4fdd\u96aa \uff08Captive Insurance\uff09
    \u4fc2\u6307\u975e\u4fdd\u96aa\u696d\u4e4b\u5927\u898f\u6a21\u4f01\u696d\u7d44\u7e54\u6216\u4f01\u696d\u96c6\u5718\uff0c\u70ba\u627f\u4fdd\u6bcd\u516c\u53f8\u4e4b\u5404\u9805\u4fdd\u96aa\u696d\u52d9\u800c\u6295\u8cc7\u8a2d\u7acb\u4e4b\u9644\u5c6c\u4fdd\u96aa\u6a5f\u69cb\u3002<\/li>\n\n\n\n
  • \u8ca8\u7269\u4fdd\u96aa \uff08Cargo Insurance\uff09
    \u4fc2\u6307\u627f\u4fdd\u8ca8\u7269\u65bc\u904b\u9001\u9014\u4e2d\u767c\u751f\u6bc0\u640d\u6ec5\u5931\u4e4b\u4fdd\u96aa\uff0c\u53ef\u5206\u70ba\u5167\u9678\u904b\u8f38\u4fdd\u96aa\u3001\u6d77\u4e0a\u4fdd\u96aa\u53ca\u822a\u7a7a\u8ca8\u7269\u904b\u8f38\u4fdd\u96aa\uff0c\u800c\u5404\u96aa\u6240\u9069\u7528\u4e4b\u689d\u6b3e\u5747\u4e0d\u76f8\u540c\u3002<\/li>\n\n\n\n
  • \u73fe\u91d1\u6c42\u511f\u901a\u77e5 \uff08Cash Call\uff09
    \u4fc2\u6307\u5408\u7d04\u518d\u4fdd\u96aa\u4e4b\u539f\u4fdd\u96aa\u4eba\u65bc\u5206\u51fa\u518d\u4fdd\u96aa\u696d\u52d9\u4e4b\u8ce0\u6b3e\u8d85\u904e\u4e00\u5b9a\u91d1\u984d\u6642\uff0c\u8acb\u6c42\u518d\u4fdd\u96aa\u4eba\u4ee5\u73fe\u91d1\u5373\u6642\u6524\u4ed8\u61c9\u8ca0\u64d4\u6210\u5206\u4e4b\u8ce0\u6b3e\u3002<\/li>\n\n\n\n
  • \u73fe\u91d1\u4fdd\u96aa \uff08Cash Insurance\uff09
    \u4fc2\u6307\u5b58\u653e\u65bc\u6ac3\u6aaf\u3001\u91d1\u5eab\u6216\u904b\u9001\u4e2d\u7684\u73fe\u91d1\uff0c\u56e0\u7aca\u76dc\u3001\u6436\u52ab\u7b49\u4fdd\u96aa\u4e8b\u6545\u6240\u81f4\u4e4b\u640d\u5931\uff0c\u7531\u4fdd\u96aa\u4eba\u8ca0\u8cac\u8ce0\u511f\u4e4b\u4fdd\u96aa\u3002<\/li>\n\n\n\n
  • \u73fe\u91d1\u7d66\u4ed8 \uff08Cash Payment\uff09
    \u4fc2\u6307\u4fdd\u96aa\u6a19\u7684\u6bc0\u640d\u6ec5\u5931\u6642\uff0c\u4fdd\u96aa\u4eba\u4f9d\u5176\u640d\u5931\u7a0b\u5ea6\u652f\u4ed8\u88ab\u4fdd\u96aa\u4eba\u73fe\u91d1\u4ee5\u586b\u88dc\u5176\u640d\u5931\u4e4b\u8ce0\u511f\u65b9\u5f0f\u3002\u8ca1\u7522\u4fdd\u96aa\u4e4b\u8ce0\u511f\u65b9\u5f0f\u5305\u62ec\u73fe\u91d1\u7d66\u4ed8\u3001\u5fa9\u539f\u6216\u91cd\u7f6e\u3002<\/li>\n\n\n\n
  • \u5de8\u707d \uff08Catastrophe\uff09
    \u4fc2\u6307\u7a81\u7136\u3001\u4e0d\u53ef\u9810\u6599\u3001\u7121\u6cd5\u907f\u514d\u4e14\u5287\u70c8\u7684\u5927\u707d\u96e3\u6216\u707d\u5bb3\uff0c\u5176\u767c\u751f\u6703\u5c0e\u81f4\u8a31\u591a\u4eba\u540c\u6642\u906d\u53d7\u91cd\u5927\u640d\u5931\u3002\u4f8b\u5982:\u98b6\u98a8\u3001\u98a8\u66b4\u3001\u5730\u9707\u3001\u6d2a\u6c34\u3001\u6230\u722d\u3001\u6838\u5b50\u707d\u5bb3\u7b49\u7b49\u3002<\/li>\n\n\n\n
  • \u5de8\u707d\u50b5\u5238 \uff08Catastrophe Bond\uff09
    \u7c21\u7a31CAT Bond\u3002\u4fc2\u6307\u7531\u4fdd\u96aa\u4eba\u6216\u518d\u4fdd\u96aa\u516c\u53f8\u8a2d\u8a08\u7c4c\u96c6\u6295\u8cc7\u8005\u8cc7\u672c\uff0c\u4ee5\u4fdd\u969c\u5de8\u707d\u640d\u5bb3\u4e8b\u4ef6\u800c\u767c\u884c\u7684\u884d\u751f\u6027\u50b5\u5238\u6295\u8cc7\u5de5\u5177\u3002\u6b64\u7a2e\u50b5\u5238\u4e4b\u767c\u884c\u4fc2\u70ba\u4fdd\u969c\u7279\u5b9a\u7684\u4e8b\u4ef6\u6216\u5728\u7279\u5b9a\u5730\u5340\u56e0\u67d0\u7a2e\u707d\u5bb3\u6240\u53ef\u80fd\u5c0e\u81f4\u7684\u67d0\u7a2e\u5de8\u5927\u898f\u6a21\u7684\u640d\u5931\u3002\u5982\u679c\u707d\u5bb3\u767c\u751f\uff0c\u98a8\u96aa\u5c07\u7531\u6295\u8cc7\u8005\u627f\u64d4\uff1b\u53cd\u4e4b\uff0c\u6295\u8cc7\u8005\u53ef\u4ee5\u6536\u56de\u5168\u90e8\u672c\u91d1\u548c\u5229\u606f\u3002<\/li>\n\n\n\n
  • \u8fd1\u56e0 \uff08Causa Causans\uff09
    \u4fc2\u6307\u9020\u6210\u67d0\u4e00\u640d\u5bb3\u4e4b\u767c\u751f\u7684\u773e\u591a\u539f\u56e0\u4e2d\uff0c\u6700\u76f4\u63a5\u3001\u6709\u529b\u3001\u4e3b\u8981\u7684\u539f\u56e0\u3002<\/li>\n\n\n\n
  • \u5206\u4fdd \uff08Cede\uff09
    \u4fc2\u6307\u539f\u4fdd\u96aa\u4eba\u5c07\u6240\u627f\u4fdd\u4e4b\u5371\u96aa\u79fb\u8f49\u4e88\u5176\u4ed6\u4fdd\u96aa\u4eba\u70ba\u4fdd\u96aa\u4e4b\u884c\u70ba\u3002<\/li>\n\n\n\n
  • \u6388\u6b0a\u8b49\u660e\u66f8 \uff08Certificate Of Authority\uff09
    \u4ea6\u7a31\u71df\u696d\u8a31\u53ef\u8b49\uff0c\u4fc2\u6307\u8a18\u8f09\u4fdd\u96aa\u516c\u53f8\u78ba\u6709\u6388\u4e88\u7279\u5b9a\u4eba\u76f8\u95dc\u6b0a\u9650\u7684\u8b49\u660e\u6587\u4ef6\u3002<\/li>\n\n\n\n
  • \u4fdd\u96aa\u8b49 \uff08Certificate Of Insurance\uff09
    \u4fc2\u6307\u8f09\u660e\u4fdd\u96aa\u91d1\u984d\u8207\u7a2e\u985e\uff0c\u7528\u4ee5\u8b49\u660e\u4fdd\u96aa\u55ae\u78ba\u5df2\u7c3d\u767c\u4e4b\u6587\u4ef6\u3002\u901a\u5e38\u7531\u4fdd\u96aa\u516c\u53f8\u7c3d\u767c\u4e00\u5f35\u4e3b\u5951\u7d04\u4fdd\u55ae\u7d66\u8981\u4fdd\u4eba\uff0c\u53e6\u4ea4\u7d66\u88ab\u4fdd\u96aa\u4eba\u6bcf\u4eba\u4e00\u5f35\u4fdd\u96aa\u8b49\uff0c\u65bc\u4e0a\u9762\u8f09\u660e\u4fdd\u96aa\u4fdd\u969c\u7684\u8981\u9ede\u3002<\/li>\n\n\n\n
  • \u6295\u4fdd\u8b49\u660e \uff08Certificate Of Participation\uff09
    \u4fc2\u6307\u8f09\u660e\u4fdd\u96aa\u91d1\u984d\u3001\u7a2e\u985e\u4ee5\u7528\u4f86\u8b49\u660e\u4fdd\u96aa\u5951\u7d04\u78ba\u5be6\u5df2\u6709\u6548\u6210\u7acb\u4e4b\u8b49\u660e\u6587\u4ef6\u3002<\/li>\n\n\n\n
  • \u7406\u8ce0 \uff08Claim Adjustment\uff09
    \u4fc2\u6307\u4fdd\u96aa\u4eba\u4f9d\u4fdd\u96aa\u5951\u7d04\u4e4b\u7d04\u5b9a\u5c65\u884c\u5176\u8ce0\u511f\u8cac\u4efb\u4e4b\u8655\u7406\u904e\u7a0b\u6216\u884c\u70ba\u3002<\/li>\n\n\n\n
  • \u672a\u6c7a\u8ce0\u6b3e \uff08Claim Outstanding\uff09
    \u4ea6\u7a31\u61c9\u4ed8\u4fdd\u96aa\u8ce0\u6b3e\u3002\u4fc2\u6307\u4fdd\u96aa\u4eba\u5c31\u5176\u76f4\u63a5\u7c3d\u55ae\u696d\u52d9\u61c9\u4ed8\u4e4b\u8ce0\u6b3e\uff0c\u6b64\u70ba\u4fdd\u96aa\u4eba\u7684\u4e3b\u8981\u8ca0\u50b5\uff0c\u5be6\u52d9\u4e0a\u4fdd\u96aa\u4eba\u901a\u5e38\u6309\u5b63\u4f9d\u4e0d\u540c\u96aa\u7a2e\u5206\u5225\u4f30\u5217\u672a\u6c7a\u8ce0\u6b3e\u91d1\u984d\u4e26\u63d0\u5b58\u6e96\u5099\u91d1\u3002<\/li>\n\n\n\n
  • \u8ce0\u6b3e\u6e96\u5099 \uff08Claim Reserve\uff09
    \u4fc2\u6307\u4fdd\u96aa\u516c\u53f8\u70ba\u61c9\u4ed8\u67d0\u4e00\u7279\u5b9a\u671f\u9593\u4e4b\u5df2\u7d93\u767c\u751f\u4fdd\u96aa\u4e8b\u6545\u4f46\u5c1a\u672a\u7406\u8ce0\u8005\uff0c\u4fdd\u96aa\u516c\u53f8\u5728\u6703\u8a08\u4e0a\u9808\u63d0\u5217\u6e96\u5099\u91d1\u4ee5\u4f5c\u70ba\u672a\u4f86\u8ce0\u511f\u7d66\u4ed8\u4e4b\u7528\u3002<\/li>\n\n\n\n
  • \u7d22\u8ce0\u57fa\u790e \uff08Claims Made Basis\uff09
    \u4fc2\u6307\u4fdd\u55ae\u898f\u5b9a\u4fdd\u96aa\u4eba\u4e4b\u627f\u4fdd\u8cac\u4efb\u4ee5\u5728\u4fdd\u96aa\u671f\u9593\u5167\u63d0\u51fa\u7406\u8ce0\u7533\u8acb\u8005\u70ba\u9650\uff0c\u901a\u5e38\u7528\u65bc\u8cac\u4efb\u4fdd\u96aa\u3002\u8207\u6b64\u57fa\u790e\u76f8\u5c0d\u8005\u70ba\u4e8b\u6545\u767c\u751f\u57fa\u790e\uff0c\u5176\u4fc2\u6307\u627f\u4fdd\u8cac\u4efb\u4ee5\u4e8b\u6545\u767c\u751f\u65bc\u4fdd\u96aa\u671f\u9593\u5167\u70ba\u9650\u3002<\/li>\n\n\n\n
  • \u540c\u4e00\u5371\u96aa\u5718\u9ad4 \uff08Class\uff09
    \u4fc2\u6307\u5177\u6709\u540c\u4e00\u5371\u96aa\u767c\u751f\u53ef\u80fd\u6027\u4e4b\u88ab\u4fdd\u96aa\u4eba\u6240\u7d44\u6210\u7684\u7fa4\u9ad4\u3002\u5340\u5225\u51fa\u5404\u7a2e\u5371\u96aa\u5718\u9ad4\u4e4b\u76ee\u7684\u5728\u8a02\u51fa\u4e00\u516c\u5e73\u7684\u8cbb\u7387\u3002<\/li>\n\n\n\n
  • \u689d\u6b3e \uff08Clause\uff09
    \u4e43\u69cb\u6210\u4fdd\u55ae\u7684\u6700\u91cd\u8981\u90e8\u5206\uff0c\u8a73\u7d30\u8f09\u660e\u4fdd\u969c\u4e4b\u7bc4\u570d\u3001\u4fdd\u96aa\u7684\u4ed8\u8cbb\u65b9\u5f0f\u3001\u4fdd\u96aa\u671f\u9593\u3001\u7d66\u4ed8\u8981\u4ef6\u3001\u7d66\u4ed8\u65b9\u5f0f\u7b49\u4fdd\u96aa\u76f8\u95dc\u7d30\u7bc0\u6216\u5176\u4ed6\u91cd\u8981\u4e8b\u9805\u4e4b\u6587\u5b57\u3002<\/li>\n\n\n\n
  • \u5171\u540c\u4fdd\u96aa \uff08Coinsurance\uff09
    \u4fc2\u6307\u540c\u4e00\u4fdd\u96aa\u6a19\u7684\u7269\u3001\u540c\u4e00\u88ab\u4fdd\u96aa\u4eba\u3001\u540c\u4e00\u4fdd\u96aa\u5229\u76ca\u3001\u540c\u4e00\u4fdd\u96aa\u4e8b\u6545\uff0c\u540c\u6642\u7531\u5169\u500b\u4ee5\u4e0a\u4e4b\u4fdd\u96aa\u4eba\u5171\u540c\u627f\u4fdd\uff0c\u800c\u7c3d\u8a02\u4e00\u500b\u4fdd\u96aa\u5951\u7d04\u4e4b\u60c5\u5f62\u3002<\/li>\n\n\n\n
  • \u5171\u4fdd\u689d\u6b3e \uff08Coinsurance Clause\uff09
    \u5728\u8ca1\u7522\u4fdd\u96aa\uff0c\u4fc2\u6307\u898f\u5b9a\u82e5\u4fdd\u96aa\u6a19\u7684\u767c\u751f\u90e8\u4efd\u640d\u5931\uff0c\u4f46\u5be6\u969b\u4fdd\u96aa\u91d1\u984d\u672a\u9054\u4fdd\u96aa\u6a19\u7684\u50f9\u984d\u4e4b\u67d0\u4e00\u5b9a\u6bd4\u4f8b\u6642\uff0c\u5247\u8996\u88ab\u4fdd\u96aa\u4eba\u70ba\u8a72\u4fdd\u96aa\u5951\u7d04\u4e4b\u5171\u540c\u4fdd\u96aa\u4eba\uff0c\u61c9\u81ea\u884c\u8ca0\u64d4\u672a\u9054\u8a72\u7279\u5b9a\u6bd4\u4f8b\u90e8\u5206\u4e4b\u640d\u5931\uff0c\u4fdd\u96aa\u4eba\u50c5\u4f9d\u5be6\u969b\u4fdd\u96aa\u91d1\u984d\u8207\u6700\u4f4e\u61c9\u4fdd\u91d1\u984d\u4e4b\u6bd4\u4f8b\u8ca0\u8ce0\u511f\u8cac\u4efb\u4e4b\u689d\u6b3e\u3002<\/li>\n\n\n\n
  • \u5171\u4fdd\u6bd4\u4f8b \uff08Coinsurance Percentage\uff09
    \u4fc2\u6307\u5171\u4fdd\u689d\u6b3e\u898f\u5b9a\uff0c\u6700\u4f4e\u61c9\u4fdd\u91d1\u984d\u61c9\u70ba\u8a72\u6a19\u7684\u7269\u50f9\u984d\u4e4b\u4e00\u5b9a\u767e\u5206\u6bd4\uff0c\u5982\u672a\u9054\u8a72\u6a19\u6e96\uff0c\u88ab\u4fdd\u96aa\u4eba\u61c9\u53d7\u5171\u540c\u4fdd\u96aa\u6e1b\u8ce0\u984d\u4e4b\u7d04\u675f\u3002<\/li>\n\n\n\n
  • \u5171\u540c\u4fdd\u96aa\u4eba \uff08Coinsurer\uff09
    \u4fc2\u6307\u4f9d\u4fdd\u96aa\u55ae\u898f\u5b9a\u61c9\u5171\u540c\u627f\u64d4\u4fdd\u96aa\u6a19\u7684\u640d\u5931\u4e4b\u4eba\u3002\u901a\u5e38\u5305\u62ec\uff1a1.\u56e0\u4e0d\u8db3\u984d\u4fdd\u96aa\u7121\u6cd5\u7372\u5f97\u5168\u984d\u8ce0\u511f\u800c\u9808\u81ea\u884c\u627f\u64d4\u90e8\u4efd\u640d\u5931\u4e4b\u88ab\u4fdd\u96aa\u4eba\u30022.\u8207\u5176\u4ed6\u4fdd\u96aa\u4eba\u5171\u540c\u627f\u4fdd\u540c\u4e00\u5371\u96aa\u4e4b\u4fdd\u96aa\u4eba\u3002<\/li>\n\n\n\n
  • \u4f63\u91d1 \uff08Commission\uff09
    1.\u4fc2\u6307\u7531\u4fdd\u96aa\u516c\u53f8\u652f\u4ed8\u696d\u52d9\u54e1\u3001\u7d93\u7d00\u4eba\u6216\u4fdd\u96aa\u4ee3\u7406\u4eba\u56e0\u4fdd\u96aa\u92b7\u552e\u6d3b\u52d5\u53ca\u670d\u52d9\u6d3b\u52d5\u7684\u916c\u52de\uff0c\u4fc2\u7531\u4fdd\u8cbb\u6536\u5165\u4e2d\u7684\u67d0\u4e00\u767e\u5206\u6bd4\u652f\u7d66\u30022.\u4fc2\u6307\u518d\u4fdd\u96aa\u4eba\u5c0d\u65bc\u539f\u4fdd\u96aa\u4eba\u76f4\u63a5\u696d\u52d9\u53d6\u5f97\u8cbb\u7528\u4e4b\u5206\u6524\u984d\u3002<\/li>\n\n\n\n
  • \u5f37\u5236\u4fdd\u96aa \uff08Compulsory Insurance\uff09
    \u4fc2\u6307\u57fa\u65bc\u653f\u7b56\u4e0a\u4e4b\u7406\u7531\u6216\u5be6\u969b\u9700\u8981\uff0c\u7531\u653f\u5e9c\u9812\u8a02\u6cd5\u4ee4\u898f\u5b9a\u7b26\u5408\u67d0\u4e9b\u689d\u4ef6\u4e4b\u4f01\u696d\u6216\u500b\u4eba\u5747\u5fc5\u9808\u6295\u4fdd\u4e4b\u4fdd\u96aa\u3002<\/li>\n\n\n\n
  • \u5371\u96aa\u6e96\u5099\u91d1 \uff08Contingency Reserve\uff09
    \u4fdd\u96aa\u516c\u53f8\u70ba\u9810\u9632\u5371\u96aa\u8b8a\u52d5\u4e4b\u640d\u5931\u800c\u63d0\u5b58\u4e4b\u6e96\u5099\u91d1\u3002\u4ea6\u5373\u70ba\u9810\u9632\u5be6\u969b\u640d\u5931\u7387\u8d85\u904e\u9810\u5b9a\u640d\u5931\u7387\uff0c\u9020\u6210\u516c\u53f8\u8ca1\u52d9\u71df\u904b\u6536\u652f\u4e0d\u5e73\u8861\u4e4b\u5371\u96aa\u6240\u63d0\u5b58\u4e4b\u6e96\u5099\u91d1\u3002<\/li>\n\n\n\n
  • \u9644\u5408\u5951\u7d04 \uff08Contract Of Adhesion\uff09
    \u4e00\u822c\u4fc2\u6307\u5951\u7d04\u5167\u5bb9\u4e4b\u64ec\u5b9a\uff0c\u5b8c\u5168\u7531\u7576\u4e8b\u4eba\u4e00\u65b9\u7368\u7acb\u70ba\u4e4b\uff0c\u4ed6\u65b9\u7576\u4e8b\u4eba\u4e26\u7121\u53c3\u8207\u5354\u8b70\u6b0a\uff0c\u53ea\u80fd\u6c7a\u5b9a\u662f\u5426\u63a5\u53d7\u4e4b\u5951\u7d04\u3002\u4f8b\u5982\u4fdd\u96aa\u5951\u7d04\u4e4b\u5167\u5bb9\uff0c\u901a\u5e38\u7531\u4fdd\u96aa\u4eba\u4e00\u65b9\u6240\u5236\u5b9a\uff0c\u8981\u4fdd\u4eba\u5c0d\u8a72\u5167\u5bb9\u5982\u540c\u610f\u5247\u52a0\u5165\uff0c\u82e5\u4e0d\u540c\u610f\u4ea6\u4e0d\u80fd\u63d0\u51fa\u8981\u6c42\u4e4b\u4fdd\u55ae\u6216\u4fee\u6539\u4fdd\u55ae\u5167\u7684\u67d0\u4e00\u689d\u6b3e\uff0c\u7e31\u6709\u8b8a\u66f4\u4fdd\u55ae\u5167\u5bb9\u4e4b\u5fc5\u8981\uff0c\u4e5f\u53ea\u80fd\u63a1\u7528\u4fdd\u96aa\u4eba\u4e8b\u5148\u6e96\u5099\u7684\u9644\u52a0\u689d\u6b3e\u6216\u9644\u5c6c\u4fdd\u55ae\u3002<\/li>\n\n\n\n
  • \u6709\u511f\u5951\u7d04 \uff08Contract Of Consideration\uff09
    \u4fc2\u6307\u5951\u7d04\u96d9\u65b9\u7576\u4e8b\u4eba\u4e92\u8ca0\u50b5\u6b0a\u3001\u50b5\u52d9\u7d66\u4ed8\u7684\u5951\u7d04\u3002\u4fdd\u96aa\u5951\u7d04\u5373\u70ba\u6709\u511f\u5951\u7d04\u4e4b\u4e00\u7a2e\u3002\u4fdd\u96aa\u5951\u7d04\u6210\u7acb\u5f8c\uff0c\u8981\u4fdd\u4eba\u6216\u88ab\u4fdd\u96aa\u4eba\u56e0\u7d66\u4ed8\u4fdd\u96aa\u8cbb\u800c\u63db\u53d6\u4fdd\u96aa\u4eba\u627f\u8afe\u8ca0\u64d4\u5371\u96aa\u8cac\u4efb\u4e4b\u5c0d\u50f9\uff0c\u82e5\u7121\u6b64\u5c0d\u50f9\uff0c\u5176\u5951\u7d04\u4e0d\u7522\u751f\u6548\u529b\u3002<\/li>\n\n\n\n
  • \u6700\u5927\u8aa0\u4fe1\u5951\u7d04 \uff08Contract Of Utmost Good Faith\uff09
    \u4fc2\u6307\u96d9\u65b9\u7576\u4e8b\u4eba\u5747\u662f\u57fa\u65bc\u6700\u5927\u7684\u8aa0\u5be6\u4fe1\u7528\u6240\u7de0\u7d50\u4e4b\u5951\u7d04\u3002\u4fdd\u96aa\u5951\u7d04\u5373\u5c6c\u65bc\u6700\u5178\u578b\u7684\u6700\u5927\u8aa0\u4fe1\u5951\u7d04\u3002<\/li>\n\n\n\n
  • \u8207\u6709\u904e\u5931 \uff08Contributory Negligence\uff09
    \u53c8\u7a31\u5206\u64d4\u904e\u5931\u3002\u5373\u640d\u5931\u4e4b\u767c\u751f\uff0c\u96d6\u4fc2\u56e0\u4ed6\u4eba\u6545\u610f\u904e\u5931\u9020\u6210\u53d7\u5bb3\u4eba\u4e4b\u8ca1\u7269\u6bc0\u640d\u6ec5\u5931\u6216\u8eab\u9ad4\u50b7\u5bb3\uff0c\u4f46\u53d7\u5bb3\u4eba\u672c\u8eab\u4ea6\u6709\u904e\u5931\uff0c\u56e0\u6b64\u5c0d\u65bc\u6240\u53d7\u4e4b\u640d\u5bb3\uff0c\u53d7\u5bb3\u4eba\u81ea\u5df1\u4ea6\u61c9\u8ca0\u64d4\u90e8\u4efd\u4e4b\u8cac\u4efb\u3002<\/li>\n\n\n\n
  • \u5230\u671f\u65e5 \uff08Data Of Expiration\uff09
    \u4fc2\u6307\u4fdd\u96aa\u671f\u9593\u5c46\u6eff\u4e4b\u65e5\u3002<\/li>\n\n\n\n
  • \u4fdd\u96aa\u55ae\u8d77\u4fdd\u65e5 \uff08Data Of Inception Of The Policy\uff09
    \u4fc2\u6307\u4fdd\u96aa\u8cac\u4efb\u958b\u59cb\u4e4b\u65e5\u671f\uff0c\u8f09\u660e\u65bc\u4fdd\u96aa\u55ae\u9996\u9801\u4e4b\u4fdd\u96aa\u671f\u9593\u4e00\u6b04\u5167\uff0c\u901a\u5e38\u4ee5\u5e74\u6708\u65e5\u8868\u793a\uff1b\u6709\u4e9b\u4fdd\u96aa\u55ae\u9664\u5e74\u6708\u65e5\u5916\uff0c\u5c1a\u8a02\u6709\u751f\u6548\u4e4b\u6642\u9593\uff0c\u4f8b\u5982\u67d0\u5e74\u67d0\u6708\u67d0\u65e5\u4e2d\u534812\u6642\u8d77\u3002<\/li>\n\n\n\n
  • \u7c3d\u55ae\u65e5 \uff08Date Of Issue\uff09
    \u5373\u4fdd\u96aa\u4eba\u7c3d\u767c\u4fdd\u96aa\u55ae\u4e4b\u65e5\u671f\uff0c\u901a\u5e38\u8f09\u660e\u65bc\u4fdd\u96aa\u55ae\u9996\u9801\u4e4b\u4e0b\u7aef\u3002\u7c3d\u55ae\u65e5\u8207\u4fdd\u96aa\u55ae\u751f\u6548\u65e5\u4e0d\u540c\uff0c\u7c3d\u55ae\u65e5\u53ef\u5728\u751f\u6548\u65e5\u4e4b\u524d\u6216\u4e4b\u5f8c\uff0c\u4f46\u4fdd\u96aa\u4eba\u4e4b\u8cac\u4efb\u4fc2\u958b\u59cb\u65bc\u4fdd\u96aa\u55ae\u751f\u6548\u65e5\uff0c\u60df\u4fdd\u96aa\u55ae\u898f\u5b9a\u4e4b\u81ea\u6bba\u53ca\u4e0d\u53ef\u722d\u689d\u6b3e\uff0c\u4fc2\u7531\u7c3d\u55ae\u65e5\u8d77\u7b97\u3002<\/li>\n\n\n\n
  • \u4fdd\u96aa\u55ae\u751f\u6548\u65e5 \uff08Date Of Policy\uff09
    \u4fc2\u6307\u4fdd\u96aa\u5951\u7d04\u6b63\u5f0f\u767c\u751f\u6548\u529b\u4e4b\u65e5\uff0c\u4e00\u822c\u7686\u8f09\u660e\u65bc\u4fdd\u96aa\u55ae\u6b63\u9762\u3002<\/li>\n\n\n\n
  • \u4fdd\u96aa\u55ae\u8d77\u8fc4\u65e5 \uff08Date Of Subscription To The Policy\uff09
    \u5373\u4fdd\u96aa\u55ae\u6548\u529b\u4e4b\u8d77\u8fc4\u65e5\u671f\u53ca\u6642\u9593\uff0c\u901a\u5e38\u8a18\u8f09\u65bc\u4fdd\u96aa\u55ae\u9996\u9801\u4e4b\u4fdd\u96aa\u671f\u9593\u6b04\u5167\u3002\u4fdd\u96aa\u55ae\u8d77\u8fc4\u65e5\u9664\u822a\u7a0b\u4fdd\u96aa\u55ae\uff08Voyage Policy\uff09\u5916\uff0c\u7686\u4ee5\u5e74\u3001\u6708\u3001\u65e5\u53ca\u6642\u9593\u8868\u793a\u3002<\/li>\n\n\n\n
  • \u62d2\u4fdd \uff08Declination\uff09
    \u4fc2\u6307\u4fdd\u96aa\u4eba\u5c0d\u8981\u4fdd\u4eba\u6216\u88ab\u4fdd\u96aa\u4eba\u4e4b\u6295\u4fdd\u6216\u7e8c\u4fdd\u7533\u8acb\u4e88\u4ee5\u62d2\u7d55\u4e4b\u884c\u70ba\u3002<\/li>\n\n\n\n
  • \u81ea\u8ca0\u984d \uff08Deductible\uff09
    \u4fc2\u6307\u65bc\u5546\u696d\u8ca1\u7522\u4fdd\u96aa\uff0c\u88ab\u4fdd\u96aa\u4eba\u65bc\u6bcf\u4e00\u6b21\u610f\u5916\u4e8b\u6545\u767c\u751f\u6642\uff0c\u61c9\u5148\u884c\u627f\u64d4\u4e4b\u640d\u5931\u91d1\u984d\u3002\u8d85\u904e\u81ea\u8ca0\u984d\u7684\u90e8\u5206\u624d\u7531\u4fdd\u96aa\u4eba\u8ca0\u64d4\u7d66\u4ed8\u8cac\u4efb\u3002\u88ab\u4fdd\u96aa\u4eba\u61c9\u5148\u884c\u627f\u64d4\u4e4b\u640d\u5931\u91d1\u984d\uff0c\u5305\u62ec\u4e0b\u5217\u578b\u614b\uff1a1.\u56fa\u5b9a\u91d1\u984d\uff1a\u4fdd\u96aa\u516c\u53f8\u7d66\u4ed8\u8ce0\u6b3e\u524d\uff0c\u88ab\u4fdd\u96aa\u4eba\u61c9\u81ea\u884c\u8ca0\u64d4\u7684\u4e00\u5b9a\u91d1\u984d\uff0c\u8d85\u904e\u6b64\u4e00\u81ea\u8ca0\u984d\u7684\u90e8\u5206\u624d\u7531\u4fdd\u96aa\u516c\u53f8\u652f\u4ed8\uff0c\u4e26\u4ee5\u5408\u7d04\u898f\u5b9a\u4e4b\u6700\u9ad8\u7d66\u4ed8\u91d1\u984d\u70ba\u9650\u3002\u81ea\u8ca0\u984d\u8d8a\u9ad8\uff0c\u4fdd\u96aa\u8cbb\u8d8a\u4f4e\u30022.\u671f\u9593(\u9664\u5916\u671f\u9593\u3001\u7b49\u5f85\u671f\u9593)\uff1a\u5728\u4fdd\u96aa\u516c\u53f8\u7d66\u4ed8\u8ce0\u6b3e\u524d\uff0c\u88ab\u4fdd\u96aa\u4eba\u61c9\u81ea\u8ca0\u4e00\u5b9a\u671f\u9593\u7684\u640d\u5931\u3002<\/li>\n\n\n\n
  • \u81ea\u8ca0\u984d\u689d\u6b3e \uff08Deductible Clause\uff09
    \u5373\u4fdd\u96aa\u55ae\u5167\u898f\u5b9a\u5728\u6bcf\u4e00\u6b21\u627f\u4fdd\u4e8b\u6545\u767c\u751f\uff0c\u65bc\u4fdd\u96aa\u4eba\u8ce0\u4ed8\u524d\uff0c\u88ab\u4fdd\u96aa\u4eba\u61c9\u5148\u81ea\u884c\u8ca0\u64d4\u67d0\u4e00\u91d1\u984d\u6216\u6bd4\u4f8b\u4e4b\u640d\u5931\u4e4b\u689d\u6b3e\u3002\u81ea\u8ca0\u984d\u689d\u6b3e\u5e38\u7528\u65bc\u640d\u5931\u983b\u7387\u9ad8\u800c\u640d\u5931\u984d\u5ea6\u5c0f\u4e4b\u98a8\u96aa\uff0c\u5176\u4e3b\u8981\u76ee\u7684\u5728\u65bc\u52a0\u5f37\u88ab\u4fdd\u96aa\u4eba\u4e4b\u8b66\u89ba\u6027\u53ca\u6e1b\u5c11\u4fdd\u96aa\u4eba\u8655\u7406\u5c0f\u984d\u8ce0\u6848\u624b\u7e8c\u4e4b\u7e41\u7463\uff0c\u4e26\u53ef\u56e0\u800c\u6e1b\u5c11\u88ab\u4fdd\u96aa\u4eba\u4e4b\u4fdd\u8cbb\u8ca0\u64d4\u3002<\/li>\n\n\n\n
  • \u98a8\u96aa\u5ea6 \uff08Degree Of Risk\uff09
    \u5c0d\u65bc\u640d\u5931\u767c\u751f\u6240\u80fd\u9810\u671f\u7684\u6b63\u78ba\u5ea6\u3002\u5371\u96aa\u7a0b\u5ea6\u4e4b\u5927\u5c0f\u53ef\u7531\u5be6\u969b\u640d\u5931\u7387\u8207\u9810\u671f\u640d\u5931\u7387\u7684\u53ef\u80fd\u8b8a\u7570\u4f86\u6e2c\u5b9a\uff0c\u5169\u8005\u504f\u5dee\u7a0b\u5ea6\u8d8a\u5c0f\uff0c\u5373\u9810\u6e2c\u7a0b\u5ea6\u8d8a\u6e96\u78ba\uff0c\u5373\u5176\u98a8\u96aa\u5ea6\u8d8a\u5c0f\uff0c\u53cd\u4e4b\u5247\u8d8a\u5927\u3002<\/li>\n\n\n\n
  • \u9810\u4ed8\u4fdd\u96aa\u8cbb \uff08Deposit Premium\uff09
    \u4fc2\u6307\u8981\u4fdd\u4eba\u65bc\u4fdd\u96aa\u671f\u9593\u958b\u59cb\u6642\uff0c\u4f9d\u4fdd\u96aa\u5951\u7d04\u898f\u5b9a\u5148\u884c\u9810\u4ed8\u4e4b\u4fdd\u96aa\u8cbb\uff0c\u5176\u6700\u5f8c\u4fdd\u96aa\u8cbb\u5247\u65bc\u65e5\u5f8c\u518d\u4e88\u8abf\u6574\u3002\u4f8b\u5982\u7522\u54c1\u8cac\u4efb\u96aa\u4fc2\u4ee5\u88ab\u4fdd\u96aa\u4eba\u67d0\u4e00\u7522\u54c1\u9810\u4f30\u92b7\u552e\u984d\u70ba\u57fa\u790e\u8a08\u7b97\u88ab\u4fdd\u96aa\u4eba\u4e4b\u9810\u4ed8\u4fdd\u96aa\u8cbb\uff0c\u5f85\u4fdd\u96aa\u671f\u9593\u5c46\u6eff\u6642\uff0c\u518d\u4ee5\u5be6\u969b\u92b7\u552e\u984d\u8a08\u7b97\u61c9\u4ed8\u4fdd\u96aa\u8cbb\uff0c\u82e5\u9810\u4ed8\u4fdd\u96aa\u8cbb\u4e0d\u8db3\uff0c\u5373\u61c9\u4e88\u4ee5\u88dc\u8db3\u3002<\/li>\n\n\n\n
  • \u8463\u76e3\u4e8b\u53ca\u91cd\u8981\u8077\u54e1\u8cac\u4efb\u4fdd\u96aa(D & O \u8cac\u4efb\u4fdd\u96aa) \uff08Directors & Officers Liability Insurance\uff09
    D&O\u8cac\u4efb\u4fdd\u96aa\u65e8\u5728\u4fdd\u969c\u4e3b\u4e8b\u7d93\u71df\u6c7a\u7b56\u4e4b\u4e3b\u7ba1\u4eba\u54e1\uff0c\u56e0\u932f\u8aa4\u3001\u758f\u5ffd\u6216\u907a\u6f0f\u81f4\u9055\u53cd\u5176\u696d\u52d9\u4e0a\u61c9\u76e1\u7684\u7fa9\u52d9\u6642\uff0c\u5176\u500b\u4eba\u61c9\u8ca0\u7684\u640d\u5bb3\u8ce0\u511f\u8cac\u4efb\u3002\u5728\u300c\u4f01\u696d\u6240\u6709\u6b0a\u8207\u7d93\u71df\u6b0a\u5206\u96e2\u300d\u7684\u539f\u5247\u4e0b\uff0c\u80a1\u4efd\u6709\u9650\u516c\u53f8\u7684\u80a1\u6771\u56e0\u6301\u6709\u80a1\u4efd\u800c\u64c1\u6709\u516c\u53f8\u4e4b\u6240\u6709\u6b0a\uff0c\u4f46\u5be6\u969b\u4e0a\u95dc\u65bc\u516c\u53f8\u7d93\u71df\u7b56\u7565\u7684\u64ec\u5b9a\u8207\u57f7\u884c\u4fc2\u638c\u63e1\u65bc\u516c\u53f8\u696d\u52d9\u57f7\u884c\u6a5f\u95dc–\u5373\u8463\u76e3\u4e8b\u3001\u7d93\u7406\u4eba\u7b49\uff0c\u82e5\u8a72\u7b49\u4eba\u54e1\u65bc\u57f7\u884c\u8077\u52d9\u6642\uff0c\u56e0\u6545\u610f\u6216\u904e\u5931\u884c\u70ba\u9020\u6210\u80a1\u6771\u6216\u7b2c\u4e09\u4eba\u7684\u640d\u5bb3\uff0c\u5176\u4f9d\u6cd5\u61c9\u8ca0\u640d\u5bb3\u8ce0\u511f\u8cac\u4efb\u4e4b\u6578\u984d\u5f80\u5f80\u5341\u5206\u9245\u5927\uff0c\u4f46\u56e0\u500b\u4eba\u8cc7\u529b\u6709\u9650\uff0c\u53d7\u5bb3\u4eba\u6c42\u511f\u5f80\u5f80\u76f8\u7576\u56f0\u96e3\u3002\u70ba\u9069\u5ea6\u6e1b\u8f15\u516c\u53f8\u696d\u52d9\u57f7\u884c\u8005\u4e4b\u8ca0\u64d4\uff0c\u4e26\u4f7f\u53d7\u5bb3\u4eba\u80fd\u5f97\u5230\u9069\u7576\u7684\u88dc\u511f\uff0c\u6545\u6709D&O\u8cac\u4efb\u4fdd\u96aa\u4e4b\u7522\u751f\uff0c\u85c9\u6b64\u5206\u6563\u5371\u96aa\u3001\u6d88\u5f2d\u640d\u5bb3\u3002\u5728\u82f1\u7f8e\u5404\u570b\u5be6\u52d9\u904b\u4f5c\u4e0a\uff0c\u5176\u627f\u4fdd\u5c0d\u8c61\u4e26\u4e0d\u4ee5\u64d4\u4efb\u516c\u53f8\u4e4b\u8463\u76e3\u4e8b\u3001\u91cd\u8981\u8077\u54e1\u70ba\u9650\u3002\u5373\u4fbf\u662f\u5176\u4ed6\u975e\u71df\u5229\u6a5f\u69cb–\u5982\u91ab\u9662\u3001\u5b78\u6821\u6216\u6148\u5584\u5718\u9ad4\u4e4b\u4e3b\u7ba1\u4eba\u54e1\uff0c\u53ea\u8981\u5be6\u52d9\u4e0a\u64d4\u4efb\u91cd\u8981\u6c7a\u7b56\u4e4b\u6c7a\u5b9a\u5de5\u4f5c\uff0c\u6703\u6709\u56e0\u4e0d\u7576\u57f7\u884c\u8077\u52d9\u884c\u70ba\u9020\u6210\u4ed6\u4eba\u640d\u5bb3\uff0c\u81f4\u9808\u8ca0\u64d4\u500b\u4eba\u8ce0\u511f\u8cac\u4efb\u7684\u7d93\u6fdf\u4e0a\u4e0d\u5229\u76ca\u60c5\u5f62\u8005\uff0c\u4ea6\u6709\u6295\u4fdd\u4e4b\u5fc5\u8981\u3002 D&O\u8cac\u4efb\u4fdd\u96aa\u4e4b\u4fdd\u96aa\u8cbb\u7387\u8207\u98a8\u96aa\u8a55\u4f30\u606f\u606f\u76f8\u95dc\uff0c\u5176\u4e3b\u8981\u6d89\u53ca\u8a72\u516c\u53f8\u898f\u6a21\u5927\u5c0f\u3001\u7522\u696d\u5225\u3001\u8ca1\u52d9\u72c0\u6cc1\u826f\u7ab3\u3001\u7d93\u71df\u65b9\u5f0f\u3001\u6709\u5426\u767c\u884c\u6d77\u5916\u6709\u50f9\u8b49\u5238\u3001\u516c\u53f8\u6cbb\u7406\u843d\u5be6\u8207\u5426\u3001\u5167\u90e8\u98a8\u96aa\u7ba1\u7406\u78ba\u5be6\u57f7\u884c\u8207\u5426\u3001\u4fdd\u96aa\u91d1\u984d\u591a\u5be1\u4ee5\u53ca\u81ea\u8ca0\u984d\u9ad8\u4f4e\u7b49..\u56e0\u7d20\u3002<\/li>\n\n\n\n
  • \u8463\u4e8b\u53ca\u91cd\u8981\u8077\u54e1\u8cac\u4efb\u4fdd\u96aa \uff08Directors And Officers Liability Insurance\uff09
    \u4fc2\u6307\u627f\u4fdd\u516c\u53f8\u8463\u4e8b\u53ca\u91cd\u8981\u8077\u54e1\u56e0\u4e0d\u7576\u7ba1\u7406\u5c0e\u81f4\u8ca1\u52d9\u640d\u5931\uff0c\u800c\u906d\u53d7\u80a1\u6771\u6216\u54e1\u5de5\u7d22\u8ce0\u6642\uff0c\u4f9d\u6cd5\u61c9\u8ca0\u4e4b\u640d\u5bb3\u8ce0\u511f\u8cac\u4efb\u3002\u4e00\u822c\u5747\u8a02\u6709\u5f88\u9ad8\u7684\u81ea\u8ca0\u984d\uff0c\u5176\u4fdd\u969c\u7bc4\u570d\u6709\u4e8c\uff1a1.\u8ce0\u511f\u88ab\u4fdd\u96aa\u7d44\u7e54\u4f9d\u6cd5\u5c31\u5176\u8463\u4e8b\u6216\u91cd\u8981\u8077\u54e1\u4e4b\u884c\u70ba\u61c9\u9023\u5e36\u8ca0\u64d4\u4e4b\u88dc\u511f\u8cac\u4efb\uff1b2. \u65bc\u88ab\u4fdd\u96aa\u7d44\u7e54\u5728\u6cd5\u5f8b\u4e0a\u4e0d\u8ca0\u88dc\u511f\u8cac\u4efb\u6642\uff0c\u76f4\u63a5\u5c0d\u5176\u8463\u4e8b\u6216\u91cd\u8981\u8077\u54e1\u8ca0\u64d4\u8ce0\u511f\u8cac\u4efb\u3002\u8a72\u4fdd\u96aa\u4fc2\u4ee5\u7d22\u8ce0\u57fa\u790e(Claim Made Basis)\u7c3d\u55ae\uff0c\u627f\u4fdd\u7bc4\u570d\u4ea6\u5305\u62ec\u6cd5\u5f8b\u8cbb\u7528\u8207\u6cd5\u5ead\u8cbb\u7528\u7b49\u8faf\u8b77\u8cbb\u7528\uff0c\u4f46\u901a\u5e38\u672a\u660e\u8a02\u4fdd\u96aa\u4eba\u9808\u70ba\u88ab\u4fdd\u96aa\u4eba\u8faf\u8b77\uff0c\u4e14\u4e00\u822c\u5747\u5c07\u6545\u610f\u8207\u4e0d\u8aa0\u5be6\u884c\u70ba\u3001\u9ad4\u50b7\u8207\u8ca1\u7269\u640d\u5931\u9664\u5916\u3002<\/li>\n\n\n\n
  • \u8907\u4fdd\u96aa \uff08Double Insurance\uff09
    \u4fc2\u6307\u88ab\u4fdd\u96aa\u4eba\u5c31\u540c\u4e00\u4fdd\u96aa\u6a19\u7684\u3001\u540c\u4e00\u4fdd\u96aa\u5229\u76ca\u3001\u540c\u4e00\u4fdd\u96aa\u4e8b\u6545\u540c\u6642\u5411\u6578\u5bb6\u4fdd\u96aa\u516c\u53f8\u5206\u5225\u8a02\u7acb\u6578\u500b\u4fdd\u96aa\u5951\u7d04\u4e4b\u884c\u70ba\uff0c\u6211\u570b\u73fe\u884c\u4fdd\u96aa\u6cd5\u7b2c\u4e09\u5341\u4e94\u689d\u898f\u5b9a\uff1a\u300c\u8907\u4fdd\u96aa\uff0c\u8b02\u8981\u4fdd\u4eba\u5c0d\u65bc\u540c\u4e00\u4fdd\u96aa\u5229\u76ca\uff0c\u540c\u4e00\u4fdd\u96aa\u4e8b\u6545\uff0c\u8207\u6578\u4fdd\u96aa\u4eba\u5206\u5225\u8a02\u7acb\u6578\u500b\u4fdd\u96aa\u4e4b\u5951\u7d04\u884c\u70ba\u3002\u300d\u6709\u8907\u4fdd\u96aa\u4e4b\u60c5\u5f62\u5b58\u5728\u6642\uff0c\u88ab\u4fdd\u96aa\u4eba\u9808\u901a\u77e5\u4fdd\u96aa\u4eba\uff0c\u6211\u570b\u73fe\u884c\u4fdd\u96aa\u6cd5\u7b2c\u4e09\u5341\u516d\u3001\u4e09\u5341\u4e03\u689d\u5373\u5206\u5225\u898f\u5b9a\u300c\u8907\u4fdd\u96aa\uff0c\u9664\u53e6\u6709\u7d04\u5b9a\u5916\uff0c\u8981\u4fdd\u4eba\u61c9\u5c07\u4ed6\u4fdd\u96aa\u4eba\u4e4b\u540d\u7a31\u53ca\u4fdd\u96aa\u91d1\u984d\u901a\u77e5\u5404\u4fdd\u96aa\u4eba\u300d\uff0c\u300c\u8981\u4fdd\u4eba\u6545\u610f\u4e0d\u70ba\u524d\u689d\u4e4b\u901a\u77e5\uff0c\u610f\u5716\u4e0d\u7576\u5f97\u5229\u800c\u70ba\u8907\u4fdd\u96aa\u8005\uff0c\u5176\u5951\u7d04\u7121\u6548\u3002\u300d<\/li>\n\n\n\n
  • \u6279\u55ae \uff08Endorsement\uff09
    \u4ea6\u7a31\u6279\u8a3b(\u689d\u6b3e)\u3002\u5e38\u5728\u6b63\u5f0f\u4fdd\u96aa\u55ae\u4e4b\u5f8c\u6dfb\u5217\u9644\u52a0\u689d\u6b3e\uff0c\u6216\u5728\u4fdd\u96aa\u55ae\u4e4b\u7a7a\u767d\u4f4d\u7f6e\u5167\u66f8\u5beb\uff0c\u6216\u53e6\u4ee5\u5370\u5c31\u4e4b\u7d19\u689d\u52a0\u8cbc\u65bc\u4fdd\u96aa\u55ae\u4e0a\uff0c\u800c\u6210\u70ba\u4fdd\u96aa\u5951\u7d04\u4e4b\u4e00\u90e8\u4efd\u3002\u6709\u6642\u662f\u4ee5\u9644\u52a0\u7279\u7d04\u65b9\u5f0f\u8655\u7406\u3002\u4fdd\u96aa\u55ae\u4e0a\u4efb\u4f55\u4e00\u4ef6\u6279\u8a3b\u689d\u6b3e\uff0c\u90fd\u5fc5\u9808\u7531\u4fdd\u96aa\u516c\u53f8\u4e3b\u7ba1\u4eba\u54e1\u7c3d\u540d\uff0c\u4e26\u9644\u5728\u4fdd\u96aa\u55ae\u4e0a\u6210\u70ba\u4fdd\u96aa\u55ae\u7684\u4e00\u90e8\u5206\uff0c\u624d\u5177\u6709\u6548\u529b\u3002<\/li>\n\n\n\n
  • \u8d85\u984d\u8ce0\u6b3e\u4fdd\u969c \uff08Excess Cover\uff09
    \u4fc2\u6307\u7c3d\u55ae\u4fdd\u96aa\u4eba\u4e4b\u8ce0\u6b3e\u8d85\u904e\u5176\u81ea\u7559\u984d\u6642\uff0c\u8d85\u904e\u90e8\u5206\u7531\u518d\u4fdd\u96aa\u4eba\u627f\u64d4\u4e4b\u518d\u4fdd\u96aa\u4fdd\u969c\u3002\u53c8\u7a31\u8d85\u984d\u8ce0\u6b3e\u518d\u4fdd\u96aa\u4fdd\u969c\u3002\u7c3d\u55ae\u4fdd\u96aa\u4eba\u9808\u5148\u5c31\u5176\u6240\u627f\u4fdd\u4fdd\u96aa\u55ae\u652f\u4ed8\u8ce0\u6b3e\u5f8c\uff0c\u518d\u4fdd\u96aa\u4eba\u59cb\u5c31\u7d04\u5b9a\u4e4b\u8cac\u4efb\u9650\u984d\u8ca0\u8cac\u3002<\/li>\n\n\n\n
  • \u4e0d\u4fdd\u9805\u76ee \uff08Exclusion\uff09
    \u4fc2\u6307\u5728\u4fdd\u96aa\u4fdd\u55ae\u4e2d\uff0c\u91dd\u5c0d\u7279\u5b9a\u5371\u96aa\u3001\u640d\u5931\u6216\u8cbb\u7528\u4e88\u4ee5\u6392\u9664\u627f\u4fdd\u7684\u689d\u6b3e\u3002\u4ea6\u5373\u4fdd\u96aa\u516c\u53f8\u5c0d\u65bc\u7279\u5b9a\u539f\u56e0\u6216\u689d\u4ef6\u6240\u5c0e\u81f4\u7684\u4fdd\u96aa\u4e8b\u6545\u9810\u5148\u8072\u660e\u4e0d\u8ca0\u7d66\u4ed8\u8cac\u4efb\u7684\u689d\u6b3e\uff0c\u4e00\u822c\u4e4b\u4e0d\u4fdd\u9805\u76ee\u5305\u62ec\uff1a\u6230\u722d\u3001\u81ea\u7136\u8017\u640d\u3001\u9053\u5fb7\u5371\u96aa\u3001\u56e0\u5951\u7d04\u800c\u751f\u4e4b\u8cac\u4efb\u7b49\u7b49\uff0c\u53c8\u7a31\u514d\u8cac\u689d\u6b3e\u3002<\/li>\n\n\n\n
  • \u7d93\u9a57 \uff08Experience\uff09
    \u5728\u4fdd\u96aa\u88cf\uff0c\u6307\u500b\u5225\u88ab\u4fdd\u96aa\u6a19\u7684\u4e4b\u640d\u5931\u8a18\u9304\u6216\u7406\u8ce0\u7d00\u9304\uff0c\u6216\u7279\u5b9a\u5f62\u614b\u7684\u4fdd\u55ae\u640d\u5931\u8a18\u9304\u6216\u7406\u8ce0\u7d00\u9304\u3002\u9019\u4e9b\u7d00\u9304\u591a\u6309\u96aa\u7a2e\u5f59\u7e3d\u7d71\u8a08\uff0c\u4ee5\u4f5c\u70ba\u6838\u4fdd\u53ca\u8abf\u6574\u4fdd\u8cbb\u7684\u53c3\u8003\u8cc7\u6599\u3002<\/li>\n\n\n\n
  • \u8f38\u51fa\u4fdd\u96aa \uff08Export Insurance\uff09
    \u4fc2\u570b\u5bb6\u653f\u7b56\u6027\u7684\u4fdd\u96aa\u4e14\u4e0d\u4ee5\u71df\u5229\u70ba\u76ee\u7684\uff0c\u4e3b\u8981\u662f\u627f\u4fdd\u8f38\u51fa\u8ca8\u7269\u6240\u6709\u7121\u6cd5\u5728\u6d77\u4e0a\u4fdd\u96aa\u4e2d\u64d4\u4fdd\u7684\u5404\u7a2e\u5371\u96aa\u3002\u4f8b\u5982 : \u5728\u51fa\u53e3\u8cbf\u6613\u4e0a\uff0c\u56e0\u8cb7\u65b9\u7834\u7522\u6216\u56e0\u653f\u6cbb\u56e0\u7d20\u4ee5\u81f4\u51fa\u53e3\u5546\u7121\u6cd5\u56de\u6536\u8ca8\u6b3e\u4e4b\u5371\u96aa\uff0c\u53c8\u7a31\u70ba\u8f38\u51fa\u4fe1\u7528\u4fdd\u96aa\u3002<\/li>\n\n\n\n
  • \u5916\u90e8\u5171\u4fdd \uff08External Coinsurance\uff09
    \u4fdd\u96aa\u4eba\u5728\u63a5\u53d7\u8981\u4fdd\u6642\uff0c\u5982\u8861\u91cf\u81ea\u8eab\u4e4b\u627f\u4fdd\u80fd\u91cf\u7121\u6cd5\u5168\u90e8\u627f\u64d4\uff0c\u5247\u53ef\u9080\u5176\u4ed6\u4fdd\u96aa\u4eba\u5171\u540c\u627f\u4fdd\u4ee5\u5206\u64d4\u8cac\u4efb\u3002\u5176\u65b9\u6cd5\u4fc2\u7531\u9996\u5e2d\u4fdd\u96aa\u4eba\u4ee3\u8868\u6240\u6709\u53c3\u52a0\u5171\u4fdd\u4e4b\u4fdd\u96aa\u4eba\u7c3d\u767c\u4fdd\u96aa\u55ae\uff0c\u4e26\u65bc\u4fdd\u96aa\u55ae\u4e0a\u8f09\u660e\u5404\u53c3\u52a0\u5171\u4fdd\u4e4b\u4fdd\u96aa\u4eba\u627f\u4fdd\u6bd4\u4f8b\uff0c\u7531\u5404\u4fdd\u96aa\u4eba\u8072\u660e\u5176\u627f\u4fdd\u6bd4\u4f8b\u53ca\u8cac\u4efb\u9650\u984d\u4e26\u7c3d\u7f72\uff0c\u70ba\u4e00\u7a2e\u4e26\u7acb\u5f0f\u7684\u5916\u90e8\u5171\u4fdd\u3002\u7576\u88ab\u4fdd\u96aa\u4eba\u640d\u5931\u767c\u751f\u6642\uff0c\u5404\u4fdd\u96aa\u4eba\u4ea6\u5404\u6309\u5176\u8cac\u4efb\u9650\u984d\u8ca0\u8cac\u8ce0\u511f\u3002<\/li>\n\n\n\n
  • \u4e8b\u5be6\u8abf\u67e5 \uff08Factfind\uff09
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  • \u81e8\u6642\u518d\u4fdd\u96aa \uff08Facultative Reinsurance\uff09
    \u53c8\u7a31\u81e8\u6642\u5206\u4fdd\uff0c\u4fc2\u6307\u5206\u4fdd\u516c\u53f8\u5c0d\u5176\u5206\u4fdd\u696d\u52d9\u53ef\u81ea\u7531\u9078\u64c7\u5c0d\u8c61\u65b9\u5f0f\u53ca\u518d\u4fdd\u96aa\u689d\u4ef6\u7684\u518d\u4fdd\u96aa\u3002\u6b64\u65b9\u5f0f\u4e4b\u518d\u4fdd\u96aa\u4e0d\u4f9d\u4e8b\u5148\u8a02\u5b9a\u7684\u5408\u7d04\uff0c\u5206\u4fdd\u516c\u53f8\u662f\u5426\u5206\u51fa\u4ee5\u53ca\u518d\u4fdd\u96aa\u4eba\u662f\u5426\u63a5\u53d7\uff0c\u5747\u5404\u6709\u81ea\u7531\u9078\u64c7\u6b0a\u3002<\/li>\n\n\n\n
  • \u5efa\u7bc9\u7269\u50be\u5012\u689d\u6b3e \uff08Fallen Building Clause\uff09
    \u4fc2\u6307\u706b\u707d\u4fdd\u96aa\u55ae\u898f\u5b9a\uff0c\u4fdd\u96aa\u6a19\u7684\u7269\u56e0\u706b\u707d\u6216\u7206\u70b8\u4ee5\u5916\u4e4b\u4e8b\u6545\u6240\u81f4\u4e4b\u50be\u5012\uff0c\u4fdd\u96aa\u4e4b\u6548\u529b\u5373\u544a\u7d42\u6b62\u4e4b\u689d\u6b3e\u3002\u4e00\u822c\u65bc\u706b\u707d\u4fdd\u96aa\u4fdd\u55ae\u689d\u6b3e\u4e2d\u898f\u5b9a\uff0c\u5efa\u7bc9\u7269\u6216\u5176\u6709\u95dc\u4e4b\u5efa\u7bc9\u7269\uff0c\u4e00\u90e8\u6216\u5168\u90e8\u56e0\u50be\u659c\u3001\u5012\u584c\u6216\u8b8a\u79fb\uff0c\u81f4\u4f7f\u8a72\u5efa\u7bc9\u7269\u4e4b\u4e00\u90e8\u6216\u5168\u90e8\u5be6\u8cea\u4e0a\u7121\u6cd5\u4f7f\u7528\u6642\uff0c\u4fdd\u96aa\u55ae\u4e4b\u6548\u529b\u5373\u544a\u7d42\u6b62\u3002\u4f46\u82e5\u8a72\u50be\u659c\u3001\u5012\u584c\u6216\u8b8a\u79fb\u4fc2\u7531\u65bc\u4fdd\u96aa\u4e8b\u6545\u6240\u81f4\u8005\uff0c\u4e0d\u5728\u6b64\u9650\u3002<\/li>\n\n\n\n
  • \u822a\u7a7a\u5668\u589c\u843d\u53ca\u6a5f\u52d5\u8eca\u8f1b\u78b0\u649e\u627f\u4fdd\u5f0f \uff08Falling Aircraft & Vehicle Impact Form\uff09
    \u4fc2\u6307\u627f\u4fdd\u4fdd\u96aa\u6a19\u7684\u76f4\u63a5\u56e0\u822a\u7a7a\u5668\u53ca\u5176\u589c\u843d\u7269\u649e\u64ca\uff0c\u6216\u8207\u9678\u5730\u6216\u8ecc\u9053\u4e0a\u884c\u99db\u4e4b\u6a5f\u52d5\u8eca\u8f00\u78b0\u649e\u6240\u81f4\u6bc0\u640d\u6ec5\u5931\u4e4b\u4fdd\u96aa\uff0c\u4e00\u822c\u591a\u4ee5\u9644\u52a0\u96aa\u65b9\u5f0f\u9644\u52a0\u65bc\u706b\u707d\u4fdd\u96aa\u55ae\u3002<\/li>\n\n\n\n
  • \u5bb6\u7528\u6c7d\u8eca\u4fdd\u96aa\u55ae \uff08Family Automobile Insurance Policy\uff09
    \u4fc2\u627f\u4fdd\u5bb6\u5ead\u7528\u6c7d\u8eca\u4e4b\u7b2c\u4e09\u4eba\u9ad4\u50b7\u53ca\u8ca1\u640d\u4e4b\u8ce0\u511f\u8cac\u4efb\u4e4b\u4fdd\u96aa\u55ae\uff0c\u5176\u4fdd\u969c\u8005\u9664\u88ab\u4fdd\u96aa\u4eba\u4e4b\u5916\uff0c\u4e00\u822c\u5c1a\u5305\u62ec\u88ab\u4fdd\u96aa\u4eba\u4e4b\u914d\u5076\u3001\u5b50\u5973\u53ca\u5176\u4ed6\u540c\u5c45\u4e4b\u89aa\u5c6c\u3002<\/li>\n\n\n\n
  • \u54e1\u5de5\u8aa0\u5be6\u4fdd\u8b49 \uff08Fidelity Bond\uff09\u4fc2\u6307\u88ab\u4fdd\u96aa\u4e8b\u696d\u6216\u500b\u4eba\u56e0\u5176\u6240\u6295\u4fdd\u54e1\u5de5\u4e4b\u4e0d\u8aa0\u5be6\u884c\u70ba\uff0c\u4ee5\u81f4\u91d1\u9322\u6216\u5176\u4ed6\u8ca1\u52d9\u640d\u5931\u6642\uff0c\u7531\u4fdd\u96aa\u4eba\u8ca0\u64d4\u8ce0\u511f\u4e4b\u4fdd\u96aa\u3002\u6240\u8b02\u4e0d\u8aa0\u5be6\u884c\u70ba\u5305\u62ec\u54e1\u5de5\u55ae\u7368\u6216\u5171\u8b00\u4e4b\u5f37\u76dc\u3001\u5f37\u596a\u3001\u7aca\u76dc\u3001\u507d\u9020\u3001\u76dc\u7528\u3001\u4fb5\u5360\u6216\u5211\u6cd5\u4e0a\u5176\u4ed6\u4e4b\u72af\u7f6a\u884c\u70ba\u3002<\/li>\n\n\n\n
  • \u85dd\u8853\u54c1\u8207\u53e4\u8463\u4fdd\u96aa \uff08Fine Arts Antiques Insurance\uff09
    \u4fc2\u4ee5\u5168\u96aa\uff08All Risk\uff09\u65b9\u5f0f\u627f\u4fdd\u500b\u4eba\u6216\u4f01\u696d\u6240\u64c1\u6709\u4e4b\u85dd\u8853\u54c1\u65bc\u610f\u5916\u4e8b\u6545\u767c\u751f\u800c\u906d\u53d7\u640d\u5bb3\u6642\uff0c\u7531\u4fdd\u96aa\u4eba\u8ca0\u8ce0\u511f\u8cac\u4efb\u4e4b\u4fdd\u96aa\u3002\u4f46\u6b64\u4fdd\u96aa\u4e0d\u627f\u4fdd\u7d93\u92b7\u5546\u6216\u62cd\u8ce3\u516c\u53f8\u6240\u64c1\u6709\u4e4b\u7269\u54c1\uff0c\u4e14\u5c07\u5e73\u5e38\u6027\u4e4b\u7834\u640d\u3001\u81ea\u7136\u8017\u640d\u3001\u6838\u80fd\u707d\u5bb3\u5217\u70ba\u4e0d\u4fdd\u4e8b\u9805\u3002\u85dd\u8853\u54c1\u5305\u62ec\u9aa8\u8463\u3001\u53e4\u73a9\u3001\u7e6a\u756b\u4ee5\u53ca\u5176\u4ed6\u5f62\u5f0f\u4e4b\u85dd\u8853\u4f5c\u54c1\u7b49\u3002<\/li>\n\n\n\n
  • \u706b\u707d \uff08Fire\uff09
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  • \u5584\u706b \uff08Fire Friendly\uff09
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  • \u60e1\u706b \uff08Fire Hostile\uff09
    \u4fc2\u6307\u903e\u8d8a\u4eba\u6b63\u5e38\u63a7\u5236\u4e4b\u706b\uff0c\u4ea6\u5373\u975e\u4eba\u985e\u6240\u5f79\u4f7f\u4e4b\u706b\u3002\u51e1\u706b\u707d\u4e4b\u767c\u751f\u4fc2\u7531\u65bc\u5076\u7136\u6216\u610f\u5916\u4e4b\u539f\u56e0\u6240\u9020\u6210\uff0c\u5373\u975e\u53ef\u9810\u671f\u3001\u975e\u4eba\u6240\u80fd\u63a7\u5236\uff0c\u4e14\u706b\u529b\u8d85\u51fa\u4e00\u5b9a\u7bc4\u570d\u4e4b\u706b\u3002\u706b\u707d\u4fdd\u96aa\u6240\u627f\u4fdd\u4e4b\u706b\u707d\uff0c\u4fc2\u5c6c\u60e1\u706b\u3002<\/li>\n\n\n\n
  • \u706b\u707d\u4fdd\u96aa \uff08Fire Insurance\uff09
    \u4fc2\u6307\u627f\u4fdd\u706b\u707d\u3001\u9583\u96fb\u3001\u96f7\u64ca\u7b49\u4e8b\u6545\u6240\u81f4\u4fdd\u96aa\u6a19\u7684\u6bc0\u640d\u6e1b\u5931\u4e4b\u4fdd\u96aa\u3002\u706b\u707d\u4fdd\u96aa\u70ba\u8ca1\u7522\u4fdd\u96aa\u4e4b\u4e3b\u8981\u96aa\u7a2e\u4e4b\u4e00\u3002\u4e0d\u52d5\u7522\u9664\u571f\u5730\u4ee5\u5916\uff0c\u5176\u4ed6\u5982\u623f\u5c4b\u8207\u5ee0\u623f\u7b49\u5efa\u7269\u3001\u56fa\u5b9a\u6a5f\u5668\u8a2d\u5099\u5747\u53ef\u4f5c\u70ba\u4fdd\u96aa\u6a19\u7684\u3002\u800c\u52d5\u7522\u5247\u5982\u50a2\u4ff1\u3001\u8863\u674e\u3001\u5546\u54c1\u3001\u8ca8\u7269\u3001\u539f\u6599\u3001\u5668\u6750\u7b49\u7b49\u53ef\u4f5c\u70ba\u4fdd\u96aa\u6a19\u7684\u3002\u706b\u707d\u4fdd\u96aa\u5951\u7d04\u53ef\u4ee5\u9644\u52a0\u65b9\u5f0f\uff0c\u5c07\u7206\u70b8\u3001\u5730\u9707\u3001\u98b1\u98a8\u3001\u6d2a\u6c34\u3001\u7aca\u76dc\u3001\u71df\u696d\u4e2d\u65b7..\u7b49\u5371\u96aa\u7d0d\u5165\u627f\u4fdd\u7bc4\u570d\u5167\uff0c\u6b64\u7b49\u9644\u52a0\u4e4b\u5371\u96aa\uff0c\u5373\u706b\u707d\u4fdd\u96aa\u4e4b\u9644\u52a0\u96aa\u3002<\/li>\n\n\n\n
  • \u9632\u706b\u7246 \uff08Fire Wall\uff09
    \u4fc2\u6307\u6709\u9632\u6b62\u706b\u52e2\u8513\u5ef6\u4f5c\u7528\uff0c\u53ef\u5c07\u5efa\u7bc9\u7269\u6216\u5176\u4ed6\u8ca1\u7522\u5206\u9694\u70ba\u4e8c\u500b\u7368\u7acb\u5371\u96aa\u55ae\u4f4d\u4e4b\u7246\u3002\u9632\u706b\u7246\u53ef\u6709\u6548\u63a7\u5236\u706b\u52e2\u4e4b\u8513\u5ef6\uff0c\u56e0\u6b64\u53ef\u505a\u70ba\u5283\u5206\u5371\u96aa\u55ae\u4f4d\u4e4b\u4f9d\u64da\u3002\u5728\u4fdd\u96aa\u8cbb\u7387\u4e4b\u9069\u7528\u4e0a\uff0c\u53ef\u6309\u4e0d\u540c\u5371\u96aa\u55ae\u4f4d\u8a02\u5b9a\u4fdd\u96aa\u8cbb\u7387\uff0c\u88ab\u4fdd\u96aa\u4eba\u4e4b\u4fdd\u96aa\u8cbb\u53ef\u56e0\u9632\u706b\u7246\u800c\u8ca0\u64d4\u8f03\u8f15\u3002\u4ee5\u6211\u570b\u73fe\u884c\u706b\u707d\u4fdd\u96aa\u8cbb\u7387\u898f\u7ae0\u70ba\u4f8b\uff0c\u5373\u898f\u5b9a\uff08\u4e00\uff09\u4fc2\u6307\u7246\u58c1\u4e4b\u69cb\u9020\uff0c\u7b26\u5408\u4e0b\u5217\u898f\u5b9a\u8005\u30021.\u92fc\u9aa8\u6c34\u6ce5\u6216\u92fc\u7b4b\u6c34\u6ce5\u9020\uff0c\u5176\u539a\u5ea6\u518d\u5341\u4e8c\u516c\u5206\u4ee5\u4e0a\uff0c\u62162.\u6c34\u6ce5\u7a7a\u5fc3\u78da\u9020\uff0c\u4e2d\u9593\u586b\u4ee5\u92fc\u7b4b\u6c34\u6ce5\uff0c\u5176\u539a\u5ea6\u5728\u5341\u4e5d\u516c\u5206\u4ee5\uff0c\u62163.\u78da\u3001\u77f3\u3001\u6c34\u6ce5\u7a7a\u5fc3\u78da\u9020\uff0c\u5176\u539a\u5ea6\u4e8c\u5341\u56db\u516c\u5206\u4ee5\u4e0a\u3002\uff08\u4e8c\uff09\u9632\u706b\u7246\u61c9\u7a81\u51fa\u5916\u7246\u9762\u6216\u5c4b\u9802\u9762\u5782\u76f4\u8ddd\u96e2\u4e94\u5341\u516c\u5206\u4ee5\u4e0a\uff0c\u4f46\u8207\u9632\u706b\u7246\u76f8\u63a5\u8655\u4ee5\u5916\u7246\u6216\u5c4b\u9802\uff0c\u6709\u5bec\u5ea6\u4e5d\u5341\u516c\u5206\u4ee5\u4e0a\u70ba\u9632\u706b\u69cb\u9020\uff0c\u4e14\u7121\u958b\u53e3\u8005\uff0c\u8a72\u90e8\u5206\u9632\u706b\u7246\u5f97\u514d\u7a81\u51fa\u30021.\u7246\u58c1\uff1a\u92fc\u9aa8\u6c34\u6ce5\u6216\u92fc\u7b4b\u6c34\u6ce5\u9020\uff0c\u78da\u3001\u77f3\u3001\u6c34\u6ce5\u7a7a\u5fc3\u78da\u9020\uff0c\u5176\u539a\u5ea6\u5728\u4e03\u516c\u5206\u4ee5\u4e0a\u30022.\u5c4b\u9802\uff1a\u92fc\u9aa8\u6c34\u6ce5\u6216\u92fc\u7b4b\u6c34\u6ce5\u9020\uff0c\u6216\u4ee5\u56db\u516c\u5206\u4ee5\u4e0a\u4e4b\u92fc\u7b4b\u6c34\u6ce5\u9810\u9444\u677f\u5efa\u9020\u8005\u3002\uff08\u4e09\uff09\u9632\u706b\u7246\u4e0a\uff0c\u5982\u9700\u958b\u8a2d\u9580\u7a97\uff0c\u61c9\u88dd\u8a2d\u9632\u706b\u9580\u6216\u9632\u706b\u7a97\uff0c\u5982\u6709\u50c5\u70ba\u901a\u904e\u6a5f\u8ef8\uff0c\u96fb\u7dda\u7ba1\u6216\u6c34\u7ba1\u6240\u958b\u4e4b\u5b54\u7a74\uff0c\u5176\u7246\u5b54\u4e4b\u5b54\u9699\uff0c\u61c9\u4ee5\u6c34\u6ce5\u5b8c\u5168\u5835\u585e\u3002<\/li>\n\n\n\n
  • \u5be6\u640d\u5be6\u8ce0\u4fdd\u96aa\u689d\u6b3e \uff08First Loss Isurance Clause\uff09
    \u5be6\u640d\u5be6\u8ce0\u4fdd\u96aa\u689d\u6b3e\u4fc2\u898f\u5b9a\u5546\u696d\u706b\u707d\u4fdd\u96aa\u4e4b\u4fdd\u96aa\u91d1\u984d\u82e5\u4ee5\u5be6\u640d\u5be6\u8ce0\u70ba\u57fa\u790e\uff0c\u5c0d\u65bc\u4fdd\u96aa\u671f\u9593\u5167\u6bcf\u4e00\u6b21\u4fdd\u96aa\u4e8b\u6545\u767c\u751f\uff0c\u53ef\u4ee5\u5be6\u969b\u640d\u5931\u8ce0\u4ed8\uff0c\u800c\u4e0d\u4f7f\u7528\u640d\u5931\u5206\u64d4\u689d\u6b3e\u3002<\/li>\n\n\n\n
  • \u56fa\u5b9a\u8cbb\u7387 \uff08Flat Rate\uff09
    \u4ea6\u7a31\u55ae\u4e00\u8cbb\u7387\uff0c\u4fc2\u6307\u4e00\u7a2e\u4e0d\u4f9d\u88ab\u4fdd\u96aa\u4eba\u6536\u5165\u6216\u640d\u5931\u7d93\u9a57\u4f5c\u8abf\u6574\u4e4b\u4fdd\u96aa\u8cbb\u8a08\u7b97\u65b9\u5f0f\uff0c\u4e00\u822c\u5e38\u7528\u65bc\u793e\u6703\u4fdd\u96aa\u3002<\/li>\n\n\n\n
  • \u6d41\u52d5\u4fdd\u96aa \uff08Floaters\uff09
    \u4fc2\u6307\u627f\u4fdd\u53ef\u4ee5\u79fb\u52d5\uff0c\u4e14\u975e\u6c38\u4e45\u7f6e\u5b58\u65bc\u7279\u5b9a\u5730\u9ede\u4e4b\u8ca1\u7522\uff0c\u4e0d\u8ad6\u5728\u4f55\u8655\u56e0\u4fdd\u96aa\u4e8b\u6545\u6240\u81f4\u640d\u5931\u4e4b\u4fdd\u96aa\uff0c\u5c6c\u5167\u9678\u904b\u8f38\u4fdd\u96aa\uff08Inland Marine Insurance\uff09\u4e4b\u7bc4\u7587\u3002<\/li>\n\n\n\n
  • \u6d41\u52d5\u4fdd\u96aa\u55ae \uff08Floating Policy\uff09
    1.\u5728\u6d77\u4e0a\u8ca8\u7269\u4fdd\u96aa\uff0c\u6d41\u52d5\u4fdd\u96aa\u55ae\u4fc2\u6307\u4ee5\u4e00\u500b\u7e3d\u4fdd\u96aa\u91d1\u984d\u627f\u4fdd\u82e5\u5e72\u6b21\u822a\u6b21\uff0c\u4fdd\u96aa\u8cbb\u5148\u884c\u4e00\u6b21\u7e73\u4ed8\uff0c\u81f3\u4fdd\u96aa\u55ae\u8cac\u4efb\u5b8c\u7562\u5f8c\u518d\u6309\u5be6\u969b\u60c5\u5f62\u8abf\u6574\u4fdd\u96aa\u8cbb\u4e4b\u4e00\u7a2e\u4fdd\u96aa\u55ae\u3002\u6bcf\u6b21\u822a\u884c\u78ba\u5b9a\u5f8c\uff0c\u88ab\u4fdd\u96aa\u4eba\u9700\u5c07\u8a73\u7d30\u8cc7\u6599\u901a\u77e5\u4fdd\u96aa\u4eba\u3002\u6bcf\u6b21\u822a\u884c\u78ba\u5b9a\u5f8c\u4e4b\u904b\u9001\u91d1\u984d\u81ea\u7e3d\u4fdd\u96aa\u91d1\u984d\u4e2d\u6263\u6e1b\uff0c\u7576\u7e3d\u4fdd\u96aa\u91d1\u984d\u6263\u6e1b\u5b8c\u7562\uff0c\u4fdd\u96aa\u55ae\u4e4b\u8cac\u4efb\u4ea6\u96a8\u4e4b\u7d42\u4e86\u30022.\u5728\u706b\u707d\u4fdd\u96aa\uff0c\u6d41\u52d5\u4fdd\u96aa\u55ae\u4fc2\u6307\u627f\u4fdd\u591a\u7a2e\u4e0d\u540c\u50f9\u503c\u4e4b\u8ca8\u7269\u7f6e\u65bc\u4e0d\u540c\u5730\u9ede\uff0c\u6216\u7d93\u5e38\u5728\u6578\u8655\u79fb\u52d5\u4e4b\u8ca1\u7522\u7684\u4fdd\u96aa\u55ae\u3002<\/li>\n\n\n\n
  • \u514d\u8ce0\u984d\u689d\u6b3e \uff08Franchise Clause\uff09
    \u4fc2\u6307\u820a\u5f0f\u8ca8\u7269\u4fdd\u96aa\u55ae\u4e2d\u6709\u6642\u7d04\u5b9a\uff0c\u4e00\u6b21\u4e8b\u6545\u6240\u767c\u751f\u4e4b\u640d\u5931\u672a\u9054\u4e00\u5b9a\u6bd4\u7387\uff08\u5982\u5168\u90e8\u8ca8\u8f09\u4e4b\uff13\uff05\u6216\uff15\uff05\uff09\u4fdd\u96aa\u4eba\u4e0d\u8ca0\u88dc\u511f\u8cac\u4efb\u4e4b\u689d\u6b3e\u3002\u82e5\u640d\u5931\u5df2\u9054\u6216\u8d85\u904e\u8a72\u6bd4\u7387\u6216\u984d\u5ea6\u6642\uff0c\u5247\u4fdd\u96aa\u4eba\u8ca0\u8cac\u88dc\u511f\u5168\u90e8\u640d\u5931\u3002\u52de\u4f9d\u8332\u4fdd\u55ae\uff08S.G.Form\uff09\u4e2d\u4e4b\u9644\u8a3b\uff08Memorandum\uff09\u5373\u70ba\u5178\u578b\u4e4b\u514d\u8ce0\u984d\u7d04\u5b9a\u3002\u5728\u8239\u8236\u4fdd\u96aa\u5be6\u52d9\u4e0a\uff0c\u514d\u8ce0\u984d\u4e4b\u7d04\u5b9a\u5df2\u88ab\u81ea\u8ca0\u984d\uff08Deductible\uff09\u53d6\u4ee3\u3002<\/li>\n\n\n\n
  • \u514d\u8ce0\u984d \uff08Franchise Deductible\uff09
    \u53c8\u7a31\u8d77\u8ce0\u5f0f\u81ea\u8ca0\u984d\uff0c\u4fdd\u96aa\u4eba\u9808\u5148\u6263\u9664\u4e00\u5b9a\u4e4b\u91d1\u984d(\u6216\u6bd4\u4f8b)\uff0c\u7576\u640d\u5931\u8d85\u904e\u8a72\u91d1\u984d(\u6216\u6bd4\u4f8b)\u6642\uff0c\u4fdd\u96aa\u4eba\u5247\u8ce0\u4ed8\u5168\u90e8\u4e4b\u640d\u5931\u3002<\/li>\n\n\n\n
  • \u4e0d\u5be6\u9673\u8ff0 \uff08Fraudulent Misrepresentation\uff09
    \u53c8\u7a31\u865b\u507d\u9673\u8ff0\uff0c\u4fc2\u6307\u8981\u4fdd\u4eba\u6216\u88ab\u4fdd\u96aa\u4eba\u9055\u53cd\u8981\u4fdd\u6642\u61c9\u64da\u5be6\u8aaa\u660e\u4e4b\u7fa9\u52d9\uff0c\u5c0d\u65bc\u5371\u96aa\u5be6\u8cea\u4e0a\u6709\u95dc\u4e4b\u91cd\u8981\u4e8b\u5be6\uff0c\u6545\u610f\u6b6a\u66f2\u800c\u70ba\u4e0d\u5be6\u4e4b\u544a\u77e5\uff0c\u8a98\u4f7f\u4fdd\u96aa\u4eba\u6838\u4fdd\u5176\u8981\u4fdd\u7bc4\u570d\uff0c\u82e5\u4fdd\u96aa\u4eba\u77e5\u8a72\u4e8b\u5be6\u4fbf\u4e0d\u6703\u540c\u610f\u627f\u4fdd\uff1b\u662f\u4e00\u7a2e\u6545\u610f\u7684\u3001\u7a4d\u6975\u7684\u9055\u53cd\uff0c\u5176\u8207\u8aa4\u5831\u76f8\u540c\u4e4b\u9ede\uff0c\u5747\u4fc2\u5c0d\u91cd\u8981\u4e8b\u5be6\u4e4b\u544a\u77e5\u4e0d\u5be6\u3002<\/li>\n\n\n\n
  • \u5df2\u77e5\u4e8b\u6545\u514d\u8cac \uff08Free Of Claim For Accident Reported\uff09
    \u4fc2\u6307\u4fdd\u96aa\u5951\u7d04\u8a02\u7acb\u6642\uff0c\u7576\u4e8b\u4eba\u5df2\u77e5\u4e8b\u6545\u767c\u751f\u8005\u4fdd\u96aa\u4eba\u4e0d\u8ca0\u8ce0\u511f\u8cac\u4efb\u4e4b\u898f\u5b9a\u3002\u6211\u570b\u73fe\u884c\u4fdd\u96aa\u6cd5\u7b2c51\u689d\u898f\u5b9a\uff1a\u300c\u4fdd\u96aa\u5951\u7d04\u8a02\u7acb\u6642\uff0c\u4fdd\u96aa\u6a19\u7684\u4e4b\u5371\u96aa\u5df2\u767c\u751f\u6216\u5df2\u6d88\u6ec5\u8005\uff0c\u5176\u5951\u7d04\u7121\u6548\uff1b\u4f46\u70ba\u7576\u4e8b\u4eba\u96d9\u65b9\u6240\u4e0d\u77e5\u8005\uff0c\u4e0d\u5728\u6b64\u9650\u3002\u300d\u4fdd\u96aa\u5951\u7d04\u6210\u7acb\u6642\uff0c\u7576\u4e8b\u4eba\u5f80\u5f80\u7121\u6cd5\u78ba\u77e5\u6a19\u7684\u7269\u4e4b\u60c5\u6cc1\uff0c\u9042\u7d04\u5b9a\u300c\u7de0\u7d04\u6642\uff0c\u7e31\u7136\u6a19\u7684\u7269\u5df2\u7d93\u6ec5\u5931\uff0c\u5728\u7576\u4e8b\u4eba\u4e0d\u77e5\u60c5\u4e4b\u689d\u4ef6\u4e0b\uff0c\u4fdd\u96aa\u6709\u6548\u671f\u9593\u6240\u767c\u751f\u4e4b\u640d\u5931\uff0c\u4ecd\u80fd\u5f97\u88dc\u511f\u300d\u3002\u6b64\u7a2e\u7d04\u5b9a\u898b\u8af8\u820a\u65e5\u52de\u4f9d\u8332\u4fdd\u55ae\u4e4b\u898f\u5b9a\uff0c\u4ee5\u53ca\u73fe\u884c\u5354\u6703\u8ca8\u7269\u96aa\u689d\u6b3e\u3002\u4ea6\u6709\u4fdd\u96aa\u4eba\u8a8d\u70ba\u6b64\u7a2e\u7d04\u5b9a\u6240\u627f\u64d4\u4e4b\u98a8\u96aa\u904e\u5927\uff0c\u56e0\u800c\u4ee5\u7279\u7d04\u8072\u660e\u8a02\u7d04\u524d\u5df2\u77e5\u4e8b\u6545\u514d\u8cac\u3002<\/li>\n\n\n\n
  • \u55ae\u7368\u6d77\u640d\u514d\u8cac\u689d\u6b3e \uff08Free Of Particular Average Clause(F.P.A.Clause)\uff09
    \u4fc2\u6307\u5354\u6703\u8ca8\u7269\u4fdd\u96aa\u4e2d\u55ae\u7368\u6d77\u640d\u4e0d\u8ca0\u8cac\u8ce0\u511f\u4e4b\u689d\u6b3e\uff0c\u4fd7\u7a31\u5e73\u5b89\u96aa\u689d\u6b3e\uff0c\u70ba\u820a\u5f0f\u6d77\u4e0a\u8ca8\u7269\u4fdd\u96aa\u5ee3\u6cdb\u63a1\u7528\u4e4b\u689d\u6b3e\uff0c\u5176\u5167\u5bb9\u82071982\u5e741\u67081\u65e5\u63a1\u7528\u4e4b\u73fe\u884c\u5354\u6703\u8ca8\u7269\u4fdd\u96aa\u689d\u6b3e\uff08C\uff09\uff08Institute Cargo Clauses\uff08C\uff09,1\/1\/82\uff09\u985e\u4f3c\u3002 \u5176\u627f\u4fdd\u7bc4\u570d\u5305\u62ec\uff1a1.\u5168\u640d(\u542b\u5be6\u969b\u5168\u640d\u3001\u63a8\u5b9a\u5168\u640d\u3001\u90e8\u5206\u5168\u640d)\u30022.\u5171\u540c\u6d77\u640d\u30023.\u7279\u5b9a\u4e8b\u6545\u5f15\u8d77\u4e4b\u55ae\u7368\u6d77\u640d\u30024.\u640d\u5bb3\u9632\u963b\u8cbb\u7528\u53ca\u6551\u52a9\u8cbb\u7528\u3002<\/li>\n\n\n\n
  • \u8db3\u984d\u4fdd\u96aa \uff08Full Value Insurance\uff09
    \u4fc2\u6307\u4fdd\u96aa\u91d1\u984d\u7b49\u65bc\u53ef\u4fdd\u50f9\u503c(Insurable Value)\u4e4b\u4fdd\u96aa\u3002\u5728\u8db3\u984d\u4fdd\u96aa\u60c5\u6cc1\u4e0b\uff0c\u4fdd\u96aa\u4e8b\u6545\u767c\u751f\u6642\uff0c\u4fdd\u96aa\u4eba\u4e4b\u8ce0\u511f\u8cac\u4efb\u4ee5\u5be6\u969b\u640d\u5931\u70ba\u4f9d\u64da\uff0c\u5168\u640d\u6642\u5247\u4ee5\u4fdd\u96aa\u91d1\u984d\u70ba\u6700\u9ad8\u9650\u5236\u3002\u63db\u8a00\u4e4b\uff0c\u82e5\u4fdd\u96aa\u6a19\u7684\u5168\u90e8\u53d7\u640d\uff0c\u4fdd\u96aa\u4eba\u81ea\u4f9d\u4fdd\u96aa\u91d1\u984d\u5168\u90e8\u511f\u4ed8\uff1b\u5982\u4fdd\u96aa\u6a19\u7684\u90e8\u4efd\u53d7\u640d\uff0c\u5247\u4fdd\u96aa\u4eba\u6309\u88ab\u4fdd\u96aa\u4eba\u4e4b\u5be6\u969b\u640d\u5931\u7d66\u4ed8\u4fdd\u96aa\u91d1\u3002\u4f46\u6d77\u4e0a\u4fdd\u96aa\u4e4b\u6a19\u7684\u7269\u90e8\u4efd\u53d7\u640d\u6642\uff0c\u88ab\u4fdd\u96aa\u4eba\u5f97\u5c07\u672a\u53d7\u640d\u90e8\u4efd\u4ee5\u59d4\u4ed8\u4e4b\u65b9\u5f0f\u79fb\u8f49\u7d66\u4fdd\u96aa\u4eba\u4e26\u8981\u6c42\u5168\u90e8\u7406\u8ce0\u3002<\/li>\n\n\n\n
  • \u7e3d\u4ee3\u7406\u4eba \uff08General Agent \uff09
    \u4fc2\u6307\u4f9d\u8207\u67d0\u4e00\u7279\u5b9a\u4fdd\u96aa\u696d\u6240\u7c3d\u8a02\u4e4b\u4ee3\u7406\u5951\u7d04\uff0c\u88ab\u6388\u6b0a\u5728\u67d0\u4e00\u7279\u5b9a\u5730\u5340\u4ee3\u7406\u8a72\u4fdd\u96aa\u696d\u8005\u76e3\u7763\u5176\u65bc\u8a72\u5730\u5340\u4e4b\u5176\u4ed6\u4ee3\u7406\u4eba\u4e4b\u696d\u52d9\uff0c\u4e26\u5411\u8a72\u4fdd\u96aa\u696d\u6536\u53d6\u5831\u916c\u4e4b\u4ee3\u7406\u4eba\u3002<\/li>\n\n\n\n
  • \u5171\u540c\u6d77\u640d \uff08General Average\uff09
    \u4fc2\u6307\u8239\u8236\u5728\u6d77\u4e0a\u767c\u751f\u7dca\u6025\u5371\u96e3\uff0c\u8239\u9577\u70ba\u7dad\u8b77\u8239\u8236\u8207\u8ca8\u7269\u4e4b\u5171\u540c\u5b89\u5168\u4f7f\u4e4b\u812b\u96e2\u5371\u96aa\uff0c\u6240\u4f5c\u4e4b\u6545\u610f\u4e14\u5408\u7406\u4e4b\u7dca\u6025\u8655\u5206\u800c\u767c\u751f\u4e4b\u72a7\u7272\u53ca\u8cbb\u7528\u3002\u6b64\u9805\u72a7\u7272\u8207\u8cbb\u7528\uff0c\u65e2\u4ee5\u8239\u8ca8\u4e4b\u5171\u540c\u5b89\u5168\u70ba\u76ee\u7684\uff0c\u4f9d\u8861\u5e73\u6b63\u7fa9\u4e4b\u539f\u5247\uff0c\u6545\u61c9\u7531\u5168\u9ad4\u5229\u5bb3\u95dc\u4fc2\u4eba\u6309\u5176\u6240\u53d7\u4e4b\u5229\u5bb3\u95dc\u4fc2\u4e4b\u50f9\u503c\u6bd4\u4f8b\u5206\u6524\u3002<\/li>\n\n\n\n
  • \u57fa\u672c\u689d\u6b3e \uff08General Clause\uff09
    \u6216\u7a31\u666e\u901a\u689d\u6b3e\uff0c\u4fc2\u6307\u6cd5\u5f8b\u5f37\u5236\u898f\u5b9a\u4fdd\u96aa\u5951\u7d04\u4e0a\u5fc5\u9808\u70ba\u8a18\u8f09\u4e4b\u4e8b\u9805\uff0c\u4ee5\u53ca\u9069\u7528\u4e00\u822c\u60c5\u5f62\u4e4b\u898f\u5b9a\u4e8b\u9805 \u3002<\/li>\n\n\n\n
  • \u73bb\u7483\u4fdd\u96aa \uff08Glass Insurance\uff09
    \u4fc2\u6307\u627f\u4fdd\u73bb\u7483\u56e0\u70ba\u610f\u5916\u4e8b\u6545\u6216\u56e0\u7b2c\u4e09\u4eba\u4e4b\u60e1\u610f\u884c\u70ba\u6240\u9020\u6210\u6bc0\u640d\u4e4b\u4fdd\u96aa\u3002<\/li>\n\n\n\n
  • \u9ad8\u723e\u592b\u7403\u8cac\u4efb\u96aa \uff08Golf Liability Insurance\uff09
    \u4fc2\u6307\u627f\u4fdd\u88ab\u4fdd\u96aa\u4eba\u53c3\u52a0\u9ad8\u723e\u592b\u7403\u904b\u52d5\u6642\uff0c\u56e0\u610f\u5916\u4e8b\u6545\u9020\u6210\u7b2c\u4e09\u4eba(\u542b\u7403\u50ee)\u4e4b\u9ad4\u50b7\u3001\u6b7b\u4ea1\u6216\u8ca1\u7269\u640d\u5931\u6240\u61c9\u8ca0\u4e4b\u8ce0\u511f\u8cac\u4efb\uff0c\u4e26\u627f\u4fdd\u88ab\u4fdd\u96aa\u4eba\u4e4b\u8863\u674e\u3001\u7403\u4ff1\u7f6e\u5b58\u65bc\u9ad8\u723e\u592b\u7403\u5834\u4fdd\u7ba1\u8655\u56e0\u706b\u707d\u3001\u7aca\u76dc\u7b49\u5371\u96aa\u4e8b\u6545\u6240\u81f4\u6bc0\u640d\u6ec5\u5931\u53ca\u7403\u687f\u4e4b\u7834\u88c2\u6216\u6298\u65b7\u4e4b\u4fdd\u96aa\u3002<\/li>\n\n\n\n
  • \u91cd\u5927\u904e\u5931 \uff08Gross Negligence\uff09
    \u4fc2\u6307\u5c0d\u65bc\u67d0\u4e00\u660e\u986f\u53ef\u9810\u898b\u4e4b\u7d50\u679c\uff0c\u61c9\u6ce8\u610f\u80fd\u6ce8\u610f\u800c\u672a\u6ce8\u610f\uff0c\u4e26\u4e14\u5177\u6709\u4e00\u7a2e\u50e5\u5016\u5176\u53ef\u80fd\u4e0d\u6703\u767c\u751f\u4e4b\u5fc3\u7406\u7684\u4e00\u7a2e\u5e7e\u8fd1\u6545\u610f\u7684\u904e\u5931\u3002<\/li>\n\n\n\n
  • \u7e3d\u4fdd\u8cbb \uff08Gross Premium\uff09
    \u4fc2\u6307\u4fdd\u96aa\u4eba\u56e0\u627f\u64d4\u5371\u96aa\u800c\u5411\u8981\u4fdd\u4eba\u6240\u6536\u53d6\u4fdd\u8cbb\u4e4b\u7e3d\u984d\uff0c\u5305\u62ec\u7d14\u4fdd\u96aa\u8cbb(Pure Premium)\u8207\u9644\u52a0\u4fdd\u96aa\u8cbb(Loading)\u5169\u90e8\u4efd\u3002<\/li>\n\n\n\n
  • \u5371\u96aa\u56e0\u7d20 \uff08Hazard\uff09
    \u5728\u4fdd\u96aa\u4e3b\u8981\u4fc2\u6307\u53ef\u80fd\u589e\u52a0\u5371\u96aa\u4e8b\u6545(Peril)\u767c\u751f\u6a5f\u7387\u6216\u5c0e\u81f4\u5371\u96aa\u4e8b\u6545\u767c\u751f\u4e4b\u56e0\u7d20\u3002\u4f8b\u5982:\u6ed1\u6e9c\u7684\u5730\u677f\u3001\u4e0d\u885b\u751f\u7684\u74b0\u5883\u3001\u50be\u5012\u7684\u5c4b\u9802\u3001\u4ea4\u901a\u6df7\u4e82\u3001\u4e0d\u5b89\u5168\u7684\u623f\u5b50\u6216\u672a\u7d93\u6aa2\u67e5\u904e\u7684\u934b\u7210\u7b49\u5747\u5c6c\u65bc\u5371\u96aa\u56e0\u7d20hazards\u3002\u800c\u5371\u96aa\u4e8b\u6545(Peril)\u5247\u4f8b\u5982:\u610f\u5916\u4e8b\u6545\u3001\u75be\u75c5\u3001\u706b\u707d\u3001\u6c34\u707d\u8207\u7206\u70b8\u7b49\u7b49\u3002<\/li>\n\n\n\n
  • \u5065\u5eb7\u8072\u660e\u66f8 \uff08Health Certificate\uff09
    \u5728\u58fd\u96aa\u4fdd\u55ae\u4e2d\uff0c\u8072\u660e\u88ab\u4fdd\u96aa\u4eba\u7684\u5065\u5eb7\u72c0\u6cc1\u4e26\u7121\u7f3a\u9677\u7684\u7c3d\u540d\u6587\u4ef6\uff0c\u662f\u505c\u6548\u4fdd\u55ae\u5728\u7533\u8acb\u5fa9\u6548\u6642\u5fc5\u9808\u5177\u5099\u7684\u6587\u4ef6\u4e4b\u4e00\u3002<\/li>\n\n\n\n
  • \u5065\u5eb7\u4fdd\u96aa \uff08Health Insurance\uff09
    \u4fc2\u6307\u88ab\u4fdd\u96aa\u4eba\u7531\u65bc\u7f79\u60a3\u75be\u75c5\u3001\u5206\u5a29\u6216\u56e0\u800c\u6240\u81f4\u4e4b\u6b98\u5ee2\u3001\u6b7b\u4ea1\u6642\uff0c\u4fdd\u96aa\u4eba\u9700\u8ca0\u7d66\u4ed8\u4fdd\u96aa\u91d1\u8cac\u4efb\u7684\u4fdd\u96aa\u3002\u5176\u76ee\u7684\u4fc2\u70ba\u5f4c\u88dc\u88ab\u4fdd\u96aa\u4eba\u56e0\u4e0d\u826f\u5065\u5eb7\u4e8b\u6545\u6240\u81f4\u4e4b\u640d\u5931\uff0c\u6b64\u640d\u5931\u53ef\u5206\u70ba\u5169\u985e\uff1a1.\u91ab\u85e5\u8cbb\u7528\u30022.\u6240\u5f97\u4e4b\u4e2d\u65b7\u3002<\/li>\n\n\n\n
  • \u907f\u96aa \uff08Hedge\uff09
    \u4fc2\u6307\u4e00\u7a2e\u5c07\u5df2\u77e5\u3001\u91cf\u5316\u7684\u5371\u96aa\u6975\u5c0f\u5316\u7684\u975e\u76f8\u95dc\u6295\u8cc7\u4e4b\u8a2d\u8a08\u3002\u63a1\u7528\u5de8\u707d\u50b5\u5238\u4f5c\u70ba\u907f\u96aa\u5de5\u5177\uff0c\u53ef\u5354\u52a9\u4fdd\u96aa\u4eba\u9810\u9632\u5176\u6240\u627f\u64d4\u4e4b\u5de8\u707d\u5371\u96aa\u6240\u9020\u6210\u4e4b\u640d\u5931\u3002\u300c\u975e\u76f8\u95dc\u6295\u8cc7\u300d\u4fc2\u5c07\u6295\u8cc7\u7d44\u5408\u914d\u7f6e\u4e0d\u540c\u7279\u6027\u7684\u6295\u8cc7\uff0c\u4ee5\u964d\u4f4e\u4e0d\u78ba\u5b9a\u4e4b\u98a8\u96aa\u3002<\/li>\n\n\n\n
  • \u5f37\u8feb\u62db\u652c \uff08High-Pressure Selling\uff09
    \u4fc2\u6307\u5728\u4fdd\u96aa\u92b7\u552e\u904e\u7a0b\u4e2d\uff0c\u696d\u52d9\u54e1\u4e26\u672a\u8003\u616e\u5230\u6e96\u4fdd\u6236\u7684\u4fdd\u96aa\u662f\u5426\u6709\u9700\u6c42\u6216\u5176\u7e73\u8cbb\u80fd\u529b\uff0c\u5229\u7528\u5176\u4ed6\u4e0d\u6b63\u7576\u7684\u65b9\u5f0f\u8a98\u60d1\u6216\u8feb\u4f7f\u6e96\u4fdd\u6236\u9055\u80cc\u5176\u81ea\u7531\u610f\u5fd7\u8cfc\u8cb7\u4fdd\u96aa\u7684\u884c\u70ba\u3002<\/li>\n\n\n\n
  • \u9ad8\u5ea6\u9632\u8b77\u5371\u96aa \uff08Highly Protected Risk(HPR)\uff09
    \u4fc2\u6307\u5177\u5099\u6ec5\u706b\u5668\u6750\u3001\u6d88\u9632\u7cfb\u7d71\u3001\u9632\u706b\u7246\u8a2d\u65bd\u4ee5\u53ca\u5176\u4ed6\u5404\u7a2e\u6709\u6548\u9632\u8b77\u8a2d\u65bd\u4e4b\u6a19\u7684\u7269\u3002\u7531\u65bc\u6b64\u7a2e\u6a19\u7684\u7269\u65bc\u767c\u751f\u5371\u96aa\u4e8b\u6545\u6642\uff0c\u8f03\u4e00\u822c\u7121\u6b64\u8a2d\u65bd\u4e4b\u6a19\u7684\u7269\u8f03\u4e0d\u81f4\u7522\u751f\u56b4\u91cd\u4e4b\u640d\u5931\uff0c\u56e0\u6b64\u70ba\u9f13\u52f5\u88ab\u4fdd\u96aa\u4eba\u52a0\u5f37\u6b64\u985e\u9632\u8b77\u63aa\u65bd\uff0c\u4fdd\u96aa\u4eba\u591a\u6703\u4e88\u4ee5\u4e00\u5b9a\u4e4b\u512a\u60e0\u3002<\/li>\n\n\n\n
  • \u9ed8\u793a\u4fdd\u8b49 \uff08Implied Warranty\uff09
    \u4ea6\u7a31\u9ed8\u793a\u64d4\u4fdd\u3002\u4fc2\u6307\u5728\u4fdd\u96aa\u5951\u7d04\u4e2d\uff0c\u5c0d\u67d0\u4e9b\u5b58\u5728\u7684\u72c0\u6cc1\u96d6\u672a\u660e\u793a\u65bc\u5951\u7d04\u5167\uff0c\u4f46\u7de0\u7d04\u4e4b\u7576\u4e8b\u4eba\u5747\u660e\u77ad\u8a72\u9805\u4fdd\u8b49\u4fc2\u5951\u7d04\u4e4b\u4e00\u90e8\u8005\u3002\u88ab\u4fdd\u96aa\u4eba\u61c9\u56b4\u683c\u5c65\u884c\u9ed8\u793a\u4fdd\u8b49\uff0c\u82e5\u6709\u9055\u80cc\uff0c\u5247\u4fdd\u96aa\u4eba\u4e4b\u8cac\u4efb\u5373\u884c\u89e3\u9664\u3002<\/li>\n\n\n\n
  • \u7121\u884c\u70ba\u80fd\u529b\u4eba \uff08Incompetent\uff09
    \u4fc2\u6307\u56e0\u5fc3\u795e\u55aa\u5931\u6216\u7cbe\u795e\u8017\u5f31\u6216\u672a\u9054\u6cd5\u5b9a\u5e74\u9f61\uff0c\u800c\u7531\u6cd5\u5b9a\u4ee3\u7406\u4eba\u8655\u7406\u5176\u4e8b\u52d9\u7684\u4eba\u3002\u6211\u570b\u73fe\u884c\u6c11\u6cd5\u7b2c13\u689d\u53ca15\u689d\u4e4b\u898f\u5b9a\uff0c\u672a\u6eff\u4e03\u6b72\u4e4b\u672a\u6210\u5e74\u4eba\u53ca\u56e0\u5fc3\u795e\u55aa\u5931\u6216\u7cbe\u795e\u8017\u5f31\u800c\u53d7\u7981\u6cbb\u7522\u5ba3\u544a\u4e4b\u4eba\u7121\u884c\u70ba\u80fd\u529b\u3002<\/li>\n\n\n\n
  • \u4e0d\u53ef\u6297\u8faf\u689d\u6b3e \uff08Incontestable Clause\uff09
    \u4fc2\u6307\u7576\u4fdd\u55ae\u751f\u6548\u9054\u4e00\u7279\u5b9a\u671f\u9593\u5f8c\uff0c\u5c0d\u65bc\u7279\u5b9a\u7406\u7531\uff08\u4f8b\u5982\uff1a\u8981\u4fdd\u66f8\u4e0d\u5be6\u544a\u77e5\u7b49\uff09\uff0c\u4fdd\u96aa\u4eba\u4e0d\u5f97\u4ee5\u6b64\u70ba\u7531\u8207\u8981\u4fdd\u4eba\u722d\u8ad6\u7d66\u4ed8\u91d1\u4e4b\u652f\u4ed8\uff08\u5728\u4fdd\u96aa\u8cbb\u5df2\u7e73\u7d0d\u4e4b\u524d\u63d0\u4e0b\uff09\u7684\u4e00\u7a2e\u5951\u7d04\u689d\u6b3e\u3002\u666e\u901a\u96aa\u7a2e\u7684\u7279\u5b9a\u671f\u9593\u901a\u5e38\u70ba\u7c3d\u767c\u4fdd\u55ae\u5f8c\u4e8c\u5e74\u3002<\/li>\n\n\n\n
  • \u7121\u5f62\u4fdd\u96aa\u5229\u76ca \uff08Incorporeal Interests\uff09
    \u4fc2\u6307\u5c0d\u8ca1\u7522\u4fdd\u96aa\u5229\u76ca\u4e4b\u6b0a\u5229\uff0c\u4f8b\u5982\uff1a\u6709\u64d4\u4fdd\u50b5\u6b0a\u4eba\u5c0d\u4f5c\u70ba\u64d4\u4fdd\u4e4b\u62b5\u62bc\u8ca1\u7522\u7684\u4fdd\u96aa\u5229\u76ca\u3002<\/li>\n\n\n\n
  • \u5df2\u767c\u751f\u4f46\u672a\u5831\u640d\u5931 \uff08Incurred But Not Reported Losses\uff08IBNR\uff09\uff09
    \u4fc2\u6307\u5728\u5e74\u5ea6\u7d42\u4e86\u7d50\u7b97\u6642\uff0c\u5df2\u767c\u751f\u4fdd\u96aa\u4e8b\u6545\u4f46\u5c1a\u672a\u901a\u77e5\u4fdd\u96aa\u4eba\u4e4b\u640d\u5931\u3002\u4fdd\u96aa\u4e8b\u6545\u767c\u751f\u6642\uff0c\u88ab\u4fdd\u96aa\u4eba\u672a\u5fc5\u7acb\u5373\u901a\u77e5\u4fdd\u96aa\u4eba\u3002\u56e0\u6b64\u5e74\u5ea6\u7d50\u7b97\u6642\uff0c\u5373\u6709\u767c\u751f\u4f46\u4fdd\u96aa\u4eba\u672a\u7372\u901a\u77e5\u4e4b\u8ce0\u6848\u5b58\u5728\uff0c\u4e00\u822c\u8ca1\u7522\u4fdd\u96aa\u6703\u8a08\u4fc2\u4ee5\u6b0a\u8cac\u767c\u751f\u5236\u70ba\u57fa\u790e\uff0c\u51e1\u4fdd\u96aa\u4e8b\u6545\u767c\u751f\u65bc\u67d0\u4e00\u7279\u5b9a\u5e74\u5ea6\u4e4b\u8ce0\u6848\uff0c\u7121\u8ad6\u65bc\u4f55\u6642\u652f\u4ed8\u8ce0\u6b3e\uff0c\u5747\u5c6c\u65bc\u4fdd\u96aa\u4eba\u7576\u5e74\u5ea6\u4e4b\u8ca0\u50b5\uff0c\u61c9\u4e88\u63d0\u5217\u6e96\u5099\u3002<\/li>\n\n\n\n
  • \u640d\u5bb3\u88dc\u511f \uff08Indemnity\uff09
    \u4fc2\u6307\u88ab\u4fdd\u96aa\u4eba\u56e0\u4fdd\u96aa\u4e8b\u6545\u6240\u81f4\u4fdd\u96aa\u6a19\u7684\u6bc0\u640d\u6ec5\u5931\u6240\u906d\u53d7\u7684\u5be6\u969b\u7d93\u6fdf\u640d\u5bb3\uff0c\u7531\u4fdd\u96aa\u4eba\u652f\u4ed8\u4e00\u5b9a\u6216\u90e8\u5206\u91d1\u984d\u3002<\/li>\n\n\n\n
  • \u7368\u7acb\u4ee3\u7406\u4eba \uff08Independent Agent\uff09
    \u4fc2\u6307\u53ef\u540c\u6642\u4ee3\u7406\u5169\u5bb6\u4ee5\u4e0a\u4e4b\u4fdd\u96aa\u696d\u7684\u4ee3\u7406\u4eba\u3002\u7368\u7acb\u4ee3\u7406\u4eba\u4fc2\u4f9d\u64da\u5951\u7d04\u6216\u6388\u6b0a\u66f8\u4ee3\u7406\u5404\u8a72\u4fdd\u96aa\u696d\u8005\u4e4b\u696d\u52d9\uff0c\u4e26\u5411\u5404\u8a72\u4fdd\u96aa\u696d\u8005\u6536\u53d6\u8cbb\u7528\u3002<\/li>\n\n\n\n
  • \u4fdd\u96aa\u5229\u76ca \uff08Insurable Interest\uff09
    \u4fc2\u6307\u8981\u4fdd\u4eba\u6216\u88ab\u4fdd\u96aa\u4eba\u5c0d\u4fdd\u96aa\u6a19\u7684\uff0c\u56e0\u5404\u7a2e\u5229\u5bb3\u95dc\u4fc2\u6240\u5177\u6709\u7684\u4e00\u7a2e\u7d93\u6fdf\u5229\u76ca\u3002\u6b64\u7d93\u6fdf\u5229\u76ca\uff0c\u8981\u4fdd\u4eba\u6216\u88ab\u4fdd\u96aa\u4eba\u56e0\u4fdd\u96aa\u6a19\u7684\u6709\u95dc\u4e4b\u5371\u96aa\u4e8b\u6545\u767c\u751f\u800c\u53d7\u640d\uff0c\u56e0\u5371\u96aa\u4e8b\u6545\u4e0d\u767c\u751f\u800c\u80fd\u7e7c\u7e8c\u4eab\u6709\u3002<\/li>\n\n\n\n
  • \u53ef\u4fdd\u5371\u96aa \uff08Insurable Risk\uff09
    \u4fc2\u6307\u8981\u4fdd\u4eba\u53ef\u4ee5\u6295\u4fdd\u800c\u4fdd\u96aa\u4eba\u4e5f\u9858\u610f\u63a5\u53d7\u4e4b\u5371\u96aa\u3002\u53ef\u4fdd\u5371\u96aa\u901a\u5e38\u9808\u5177\u5099\u4e0b\u5217\u4e4b\u689d\u4ef6\uff1a\u5728\u6280\u8853\u4e0a\u4e4b\u8981\u4ef6–1.\u9808\u6709\u6578\u91cf\u8db3\u5920\u4e14\u54c1\u8cea\u540c\u985e\u4e4b\u5371\u96aa\u55ae\u4f4d\u30022.\u56e0\u5371\u96aa\u6240\u751f\u4e4b\u640d\u5931\u9808\u660e\u78ba\u800c\u80fd\u4e88\u4ee5\u6e2c\u5b9a\u30023.\u640d\u5931\u4e4b\u767c\u751f\u4fc2\u51fa\u65bc\u610f\u5916\u6216\u5076\u7136\uff0c\u800c\u975e\u6545\u610f\u30024.\u5371\u96aa\u4e0d\u6703\u540c\u6642\u9020\u6210\u5927\u591a\u6578\u6295\u4fdd\u55ae\u4f4d\u4e4b\u640d\u5931\u3002\u5728\u7d93\u6fdf\u4e0a\u4e4b\u8981\u4ef6–1.\u6f5b\u5728\u640d\u5931\u9808\u8db3\u4ee5\u4f7f\u4eba\u9677\u5165\u7d93\u6fdf\u4e0a\u4e4b\u56f0\u5883\u30022.\u640d\u5931\u6a5f\u7387\u9808\u80fd\u6e2c\u5b9a\u4e14\u4e0d\u904e\u9ad8\u30023.\u4fdd\u96aa\u6210\u672c\u9808\u7d93\u6fdf\u5408\u7406\u3002<\/li>\n\n\n\n
  • \u4fdd\u96aa \uff08Insurance\uff09
    \u4fdd\u96aa\u4fc2\u70ba\u78ba\u4fdd\u7d93\u6fdf\u751f\u6d3b\u4e4b\u5b89\u5b9a\uff0c\u5c0d\u7279\u5b9a\u5371\u96aa\u4e8b\u6545\u767c\u751f\u6240\u81f4\u4e4b\u640d\u5931\uff0c\u96c6\u5408\u591a\u6578\u7d93\u6fdf\u55ae\u4f4d\uff0c\u6839\u64da\u5408\u7406\u8a08\u7b97\uff0c\u5171\u540c\u91b5\u91d1\uff0c\u4ee5\u70ba\u88dc\u511f\u4e4b\u7d93\u6fdf\u5236\u5ea6\u3002\u4ea6\u5373\u6307\u96d9\u65b9\u7576\u4e8b\u4eba\u7d04\u5b9a\uff0c\u4e00\u65b9\u4ea4\u4ed8\u4fdd\u96aa\u8cbb\u65bc\u4ed6\u65b9\uff0c\u4ed6\u65b9\u5c0d\u65bc\u7279\u5b9a\u6216\u4e0d\u53ef\u9810\u6599\u4e4b\u4e8b\u6545\u6240\u81f4\u4e4b\u640d\u5931\uff0c\u63d0\u4f9b\u91d1\u984d\u6216\u8ca1\u52d9\u88dc\u511f\u7b49\u4fdd\u969c\u4e4b\u5951\u7d04\u884c\u70ba\u3002<\/li>\n\n\n\n
  • \u627f\u4fdd\u7bc4\u570d \uff08Insurance Coverage\uff09
    \u4fc2\u6307\u4fdd\u96aa\u5951\u7d04\u6240\u63d0\u4f9b\u4fdd\u969c\u4e4b\u7bc4\u570d\u3002\u4fdd\u96aa\u6a19\u7684\u7269\u6216\u88ab\u4fdd\u96aa\u4eba\u56e0\u627f\u4fdd\u7bc4\u570d\u5167\u4e4b\u5371\u96aa\u4e8b\u6545\u767c\u751f\u6240\u81f4\u4e4b\u640d\u5931\uff0c\u4fdd\u96aa\u4eba\u61c9\u8ca0\u8ce0\u511f\u8cac\u4efb\u3002<\/li>\n\n\n\n
  • \u4fdd\u96aa\u5bc6\u5ea6 \uff08Insurance Density\uff09
    \u4fc2\u6307\u4e00\u500b\u570b\u5bb6\u4e4b\u4fdd\u96aa\u666e\u53ca\u5ea6\uff0c\u5176\u8861\u91cf\u6a19\u6e96\u901a\u5e38\u70ba\u4e00\u570b\u4e4b\u570b\u6c11\u6bcf\u4eba\u6bcf\u5e74\u5e73\u5747\u4fdd\u96aa\u8cbb\u3002<\/li>\n\n\n\n
  • \u4fdd\u96aa\u55ae \uff08Insurance Policy\uff09
    \u53c8\u7a31\u4fdd\u55ae\u3002\u4fc2\u6307\u4fdd\u96aa\u4eba\u8207\u8981\u4fdd\u4eba\u6240\u7c3d\u8a02\u4e4b\u5951\u7d04\uff0c\u8f09\u660e\u5951\u7d04\u96d9\u65b9\u7576\u4e8b\u4eba\u9593\u4e4b\u6b0a\u5229\u7fa9\u52d9\u95dc\u4fc2\u4e8b\u9805\uff0c\u7531\u4fdd\u96aa\u4eba\u88fd\u4f5c\uff0c\u8a02\u5b9a\u5b8c\u6210\u5f8c\u4ea4\u7531\u8981\u4fdd\u4eba\u6536\u57f7\uff0c\u4f5c\u70ba\u4fdd\u96aa\u5951\u7d04\u5df2\u6709\u6548\u6210\u7acb\u4e4b\u6587\u4ef6\u3002<\/li>\n\n\n\n
  • \u4fdd\u96aa\u4ee3\u7406\u4eba \uff08Insurance agent\uff09
    \u53c8\u7a31\u4fdd\u96aa\u4ee3\u7406\u5546\uff0c\u4fc2\u6307\u6839\u64da\u4ee3\u7406\u5951\u7d04\u6216\u6388\u6b0a\u66f8\uff0c\u5411\u4fdd\u96aa\u4eba\u6536\u53d6\u8cbb\u7528\u4e26\u4ee3\u7406\u7d93\u71df\u696d\u52d9\u4e4b\u4eba\u3002\u4ee3\u7406\u4eba\u4e4b\u6b0a\u9650\u4ee5\u53ca\u5982\u4f55\u5411\u4fdd\u96aa\u4eba\u6536\u53d6\u8cbb\u7528\uff0c\u61c9\u9075\u5b88\u4ee3\u7406\u5951\u7d04\u6216\u6388\u6b0a\u66f8\u6240\u8a18\u8f09\u4e4b\u7d04\u5b9a\u5167\u5bb9\u3002<\/li>\n\n\n\n
  • \u88ab\u4fdd\u96aa\u4eba \uff08Insured \uff09
    \u4fc2\u6307\u4ee5\u81ea\u5df1\u5c0d\u65bc\u81ea\u5df1\u4e4b\u8ca1\u7522\u3001\u8cac\u4efb\u3001\u8eab\u9ad4\u3001\u751f\u547d\u4e4b\u4fdd\u96aa\u5229\u76ca\u70ba\u6295\u4fdd\u5c0d\u8c61\u4e4b\u4eba\uff0c\u800c\u9664\u6b7b\u4ea1\u4fdd\u96aa\u4e4b\u5916\uff0c\u5c0d\u4fdd\u96aa\u4eba\u4eab\u6709\u4fdd\u96aa\u91d1\u7d66\u4ed8\u8acb\u6c42\u6b0a\u4e4b\u4eba\u3002\u4e00\u822c\u800c\u8a00\uff0c\u8981\u4fdd\u4eba\u8207\u88ab\u4fdd\u96aa\u4eba\u53ef\u70ba\u540c\u4e00\u4eba\uff0c\u4ea6\u53ef\u4e0d\u70ba\u540c\u4e00\u4eba\u3002\u5728\u82f1\u7f8e\u6cd5\u4e2dInsured(\u6216Assured)\u6709\u6642\u4ea6\u6307\u8981\u4fdd\u4eba\u3002\u82e5\u4ee5\u4f4f\u5b85\u706b\u707d\u4fdd\u96aa\u70ba\u4f8b:\u5373\u6307\u5c0d\u4fdd\u96aa\u516c\u53f8\u627f\u4fdd\u4e4b\u4f4f\u5b85\u5efa\u7bc9\u7269\u53ca\u5176\u5167\u4e4b\u52d5\u7522\u6240\u6709\u6b0a\u6709\u4fdd\u96aa\u5229\u76ca\uff0c\u65bc\u5371\u96aa\u4e8b\u6545\u767c\u751f\u6642\u906d\u53d7\u640d\u5931\uff0c\u4eab\u6709\u4fdd\u96aa\u8ce0\u511f\u8acb\u6c42\u6b0a\u4e4b\u4eba\u3002<\/li>\n\n\n\n
  • \u4fdd\u96aa\u91d1\u984d \uff08Insured Amount\uff09
    \u6307\u4fdd\u96aa\u5951\u7d04\u7576\u4e8b\u4eba\u9593\u6240\u7d04\u5b9a\u4e4b\u6700\u9ad8\u7d66\u4ed8\u984d\u3002\u4fdd\u96aa\u91d1\u984d\u4e4b\u591a\u5be1\uff0c\u901a\u5e38\u65bc\u8a02\u7d04\u6642\u7531\u7576\u4e8b\u4eba\u6240\u7d04\u5b9a\uff0c\u4f46\u5728\u8ca1\u7522\u4fdd\u96aa\uff0c\u5247\u61c9\u53d7\u4fdd\u96aa\u50f9\u984d\u4e4b\u9650\u5236\u3002<\/li>\n\n\n\n
  • \u88ab\u4fdd\u96aa\u5bf5\u7269 \uff08Insured Pet\uff09
    \u4fc2\u6307\u88ab\u4fdd\u96aa\u4eba\u56e0\u73a9\u8cde\u3001\u4f34\u4fb6\u4e4b\u76ee\u7684\u800c\u98fc\u990a\u6216\u7ba1\u9818\uff0c\u4e26\u4e8b\u5148\u7d93\u4fdd\u96aa\u516c\u53f8\u540c\u610f\u4e14\u8f09\u660e\u65bc\u4fdd\u96aa\u55ae\u4e4b\u52d5\u7269\u3002\u4f46\u7d93\u653f\u5e9c\u516c\u4f48\u4e4b\u4fdd\u80b2\u52d5\u7269\u9664\u5916\u3002<\/li>\n\n\n\n
  • \u4fdd\u96aa\u4eba \uff08Insurer\uff09
    \u70ba\u4fdd\u96aa\u5951\u7d04\u7576\u4e8b\u4eba\u4e4b\u4e00\u65b9\uff0c\u4e00\u822c\u4fc2\u6307\u7d93\u71df\u4fdd\u96aa\u4e8b\u696d\u7684\u5404\u7a2e\u7d44\u7e54\u3002\u5728\u4fdd\u96aa\u5951\u7d04\u6210\u7acb\u6642\uff0c\u6709\u4fdd\u96aa\u8cbb\u4e4b\u8acb\u6c42\u6b0a\u3002\u7576\u627f\u4fdd\u5371\u96aa\u4e8b\u6545\u767c\u751f\u6642\uff0c\u4f9d\u627f\u4fdd\u4e4b\u8cac\u4efb\u8ca0\u64d4\u8ce0\u511f\u4e4b\u7fa9\u52d9\u3002<\/li>\n\n\n\n
  • \u5c0d\u5167\u5171\u4fdd \uff08Internal Coinsurance\uff09
    \u4fc2\u6307\u7531\u63a5\u53d7\u8981\u4fdd\u4e4b\u4fdd\u96aa\u516c\u53f8\u4f5c\u70ba\u9996\u5e2d\u4fdd\u96aa\u516c\u53f8\uff0c\u8ca0\u8cac\u7c3d\u55ae\u4e26\u5c0d\u88ab\u4fdd\u96aa\u4eba\u6216\u53d7\u76ca\u4eba\u8ca0\u4fdd\u96aa\u5951\u7d04\u4e0a\u6b0a\u5229\u7fa9\u52d9\u7684\u4e00\u7a2e\u5171\u4fdd\u578b\u5f0f\u3002\u800c\u5176\u4ed6\u5171\u540c\u4fdd\u96aa\u4eba\u4e4b\u627f\u4fdd\u8cac\u4efb\u5247\u53e6\u4ee5\u5171\u540c\u4fdd\u96aa\u5951\u7d04\u7d04\u5b9a\u4e4b\uff0c\u7576\u88ab\u4fdd\u96aa\u4eba\u640d\u5931\u767c\u751f\u6642\uff0c\u7531\u9996\u5e2d\u4fdd\u96aa\u516c\u53f8\u627f\u64d4\u5168\u90e8\u8cac\u4efb\u5f8c\uff0c\u518d\u5411\u5404\u500b\u5171\u540c\u4fdd\u96aa\u4eba\u6524\u56de\u5176\u61c9\u5206\u6524\u4e4b\u8ce0\u6b3e\u3002<\/li>\n\n\n\n
  • \u6295\u68c4 \uff08Jettison\uff09
    \u4fc2\u6307\u7576\u8239\u8236\u5728\u6d77\u4e0a\u822a\u884c\u906d\u9047\u7dca\u6025\u72c0\u6cc1\uff0c\u5c07\u88dd\u8f09\u65bc\u8239\u4e0a\u4e4b\u4e00\u90e8\u4efd\u8ca8\u7269\u6216\u8239\u8236\u5c6c\u5177\u6295\u68c4\u65bc\u6d77\u4e2d\u4ee5\u6e1b\u8f15\u8f09\u91cd\uff0c\u907f\u514d\u5371\u96aa\u4e8b\u6545\u767c\u751f\u4e4b\u884c\u70ba\u3002\u6b64\u9805\u6295\u68c4\u4e4b\u640d\u5931\u61c9\u7531\u56e0\u6b64\u800c\u4fdd\u5168\u5229\u76ca\u4e4b\u8239\u8ca8\u6240\u6709\u4eba\u5171\u540c\u5206\u64d4\uff0c\u7a31\u70ba\u5171\u540c\u6d77\u640d\u72a7\u7272(General Average Sacrifice)\u3002<\/li>\n\n\n\n
  • \u5171\u540c\u5229\u76ca \uff08Joint Interests\uff09
    \u4fc2\u6307\u5c31\u67d0\u4e00\u8ca1\u7522\u4e4b\u6240\u6709\u6b0a \u3001\u5176\u4ed6\u6b0a\u5229\u6216\u6cd5\u5f8b\u4e0a\u5229\u76ca\uff0c\u7531\u5169\u4eba\u4ee5\u4e0a\u6240\u5171\u540c\u6301\u6709\u3002<\/li>\n\n\n\n
  • \u5224\u65b7\u8cbb\u7387 \uff08Judgment Rates\uff09
    \u4fc2\u5c31\u500b\u5225\u5371\u96aa\u4e4b\u55ae\u7368\u6027\u8cea\uff0c\u4e0d\u8ad6\u662f\u5426\u9069\u7528\u4e00\u5b9a\u4e4b\u6cd5\u5247\uff0c\u800c\u7531\u6838\u4fdd\u4eba\u54e1\u4f9d\u5176\u904e\u53bb\u7d93\u9a57\u3001\u5c07\u4f86\u767c\u5c55\u8da8\u52e2\u3001\u4f30\u8a08\u6700\u5927\u640d\u5931\u53ef\u80fd\u6027\u3001\u90e8\u5206\u640d\u5931\u6216\u5168\u90e8\u640d\u5931\u4e4b\u6216\u7136\u6027\uff0c\u7d93\u76f4\u89ba\u5224\u65b7\u6240\u6c7a\u5b9a\u4e4b\u8cbb\u7387\uff0c\u5e38\u51fa\u73fe\u5728\u6d77\u4e0a\u4fdd\u96aa\u6216\u5927\u90e8\u5206\u4e4b\u9678\u4e0a\u904b\u8f38\u4fdd\u96aa\u3002\u4e00\u822c\u800c\u8a00\uff0c\u5728\u4e0b\u5217\u4e09\u7a2e\u72c0\u6cc1\u4e0b\u6838\u4fdd\u4eba\u54e1\u5f97\u4f5c\u6b64\u7a2e\u8cbb\u7387\uff1a1.\u7121\u6cd5\u9069\u7528\u73fe\u6709\u4e4b\u8cbb\u7387\u30022.\u8207\u4e00\u822c\u5371\u96aa\u6709\u660e\u986f\u4e0d\u540c\u4e4b\u5371\u96aa\u30023.\u65b0\u578b\u614b\u4e4b\u4fdd\u96aa\u3002<\/li>\n\n\n\n
  • \u4e0d\u4e88\u627f\u4fdd \uff08Keep Off(K.O.)\uff09
    \u4fc2\u6307\u5c0d\u65bc\u4fdd\u96aa\u5951\u7d04\u4e2d\u6240\u7d04\u5b9a\u4e4b\u7279\u5b9a\u5371\u96aa\u4e8b\u6545\uff0c\u4fdd\u96aa\u4eba\u5c07\u5176\u6392\u9664\u65bc\u627f\u4fdd\u7bc4\u570d\u4e4b\u5916\u3002<\/li>\n\n\n\n
  • \u57fa\u6b50\u8a08\u5283 \uff08Keeton-O\u2019Connell Plan\uff09
    \u4fc2\u6307\u7531\u54c8\u4f5b\u5927\u5b78\u57fa\u9813\u548c\u4f0a\u5229\u8afe\u5927\u5b78\u6559\u6388\u6b50\u5eb7\u7d0d\u5169\u4eba\u6240\u767c\u8868\u6709\u95dc\u65bc\u6c7d\u8eca\u8cac\u4efb\u4fdd\u96aa\u7406\u8ce0\u4e4b\u8a08\u5283\u3002\u70ba\u73fe\u5728\u7f8e\u570b\u6240\u63a1\u7528\u4e4b\u7121\u904e\u5931\u6c7d\u8eca\u8cac\u4efb\u4fdd\u96aa\u4e4b\u524d\u8eab\uff0c\u5176\u4e3b\u8981\u5167\u5bb9\u70ba\uff1a1.\u6c7d\u8eca\u8cac\u4efb\u4fdd\u96aa\u61c9\u5c6c\u5f37\u5236\u6027\u30022.\u4e0d\u5c6c\u65bc\u91cd\u5927\u50b7\u5bb3\u4e4b\u7406\u8ce0\uff0c\u4e0d\u8ad6\u6709\u5426\u904e\u5931\uff0c\u61c9\u4ee5\u8087\u4e8b\u6c7d\u8eca\u610f\u5916\u50b7\u5bb3\u4e4b\u4e8b\u5be6\u70ba\u8a8d\u5b9a\u3002\u6240\u6709\u8ce0\u6848\u5747\u61c9\u5411\u88ab\u4fdd\u96aa\u4eba\u6295\u4fdd\u4e4b\u4fdd\u96aa\u4eba\u8acb\u6c42\uff0c\u800c\u975e\u5411\u99d5\u99db\u4eba\u4e4b\u4fdd\u96aa\u4eba\u8acb\u6c42\u30023.\u6240\u5f97\u4e4b\u640d\u5931\u8207\u76f8\u95dc\u91ab\u7642\u8cbb\u7528\u4e4b\u652f\u51fa\uff0c\u53ef\u5206\u671f\u7d66\u4ed8\u4e4b\u30024.\u907f\u514d\u4e0d\u540c\u4f86\u6e90\u4e4b\u586b\u88dc\u4ee5\u81f4\u91cd\u8907\u53d7\u9818\uff0c\u640d\u5931\u4e4b\u88dc\u511f\u61c9\u4ee5\u6de8\u984d\u70ba\u4e4b\u30025.\u82e5\u88ab\u5bb3\u4eba\u975e\u8ca1\u7522\u4e0a\u4e4b\u640d\u5bb3\u8d85\u904e5000\u7f8e\u5143\uff0c\u6216\u8ca1\u7522\u4e0a\u640d\u5931\u8d85\u904e10000\u7f8e\u5143\u8005\uff0c\u5c0d\u65bc\u8d85\u904e\u90e8\u5206\u4ecd\u53ef\u4f9d\u6cd5\u8d77\u8a34\u5411\u52a0\u5bb3\u4eba\u6c42\u511f\u3002<\/li>\n\n\n\n
  • \u91cd\u8981\u54e1\u5de5 \uff08Key Employee(Key Person)\uff09
    \u4fc2\u6307\u67d0\u4e00\u64c1\u6709\u5c0d\u516c\u53f8\u4f01\u696d\u6210\u529f\u4e0d\u53ef\u6216\u7f3a\u4e4b\u7368\u7279\u80fd\u529b\u6216\u6280\u8853\u4e4b\u4eba\u3002\u8209\u4f8b\u800c\u8a00\uff0c\u6b64\u7a2e\u4eba\u6216\u8a31\u5177\u5099\u7522\u54c1\u7814\u7a76\u958b\u767c\u4e4b\u5fc5\u8981\u6280\u8853\u8207\u77e5\u8b58\uff0c\u53ef\u4f7f\u5176\u516c\u53f8\u65bc\u8a72\u9818\u57df\u4e2d\u8655\u65bc\u58df\u65b7\u5730\u4f4d\uff0c\u5247\u8a72\u54e1\u5de5\u4e4b\u6b7b\u4ea1\u6216\u55aa\u5931\u80fd\u529b\u5c07\u6703\u5c0d\u5176\u516c\u53f8\u9020\u6210\u91cd\u5927\u4e4b\u5f71\u97ff\u3002<\/li>\n\n\n\n
  • \u5931\u6548 \uff08Lapse\uff09
    \u4fc2\u6307\u8981\u4fdd\u4eba\u4e0d\u8ad6\u57fa\u65bc\u4efb\u4f55\u56e0\u7d20\u800c\u672a\u7e73\u7d0d\u4fdd\u8cbb\uff0c\u800c\u4f7f\u5f97\u4fdd\u96aa\u5951\u7d04\u5931\u5176\u61c9\u6709\u4e4b\u6548\u529b\u6216\u662f\u4fdd\u96aa\u516c\u53f8\u4e0d\u518d\u7e8c\u4fdd\u3002<\/li>\n\n\n\n
  • \u5927\u6578\u6cd5\u5247 \uff08Law Of Large Numbers\uff09
    \u53c8\u7a31\u5927\u6578\u5f8b\uff0c\u70ba\u6a5f\u7387\u8ad6\u4e4b\u4e3b\u8981\u539f\u5247\u3002\u5176\u8aaa\u660e\u67d0\u4e00\u73fe\u8c61\u5728\u82e5\u5e72\u6b21\u91cd\u8986\u8a66\u9a57\u4e2d\uff0c\u6703\u6709\u4e00\u7a2e\u898f\u5247\u6027\u51fa\u73fe\uff0c\u6b64\u898f\u5247\u6027\u4e4b\u6e96\u78ba\u5ea6\u8207\u62bd\u6a23\u6b21\u6578\u6216\u8cc7\u6599\u6578\u91cf\u6210\u6b63\u6bd4\u95dc\u4fc2\uff0c\u5373\u8a66\u9a57\u6b21\u6578\u8d8a\u591a\uff0c\u898f\u5247\u4e4b\u6e96\u78ba\u6027\u8d8a\u9ad8\u3002\u4fdd\u96aa\u5236\u5ea6\u5373\u900f\u904e\u5927\u6578\u6cd5\u5247\u4e4b\u904b\u7528\uff0c\u96c6\u5408\u591a\u6578\u4e4b\u540c\u985e\u5371\u96aa\u55ae\u4f4d\uff0c\u4ee5\u7cbe\u78ba\u9810\u6e2c\u640d\u5931\u767c\u751f\u7387\u4e26\u64da\u4ee5\u6838\u7b97\u4fdd\u96aa\u8cbb\uff0c\u9054\u5230\u7a69\u5b9a\u7d93\u71df\u8207\u516c\u5e73\u5206\u64d4\u4e4b\u76ee\u7684\u3002<\/li>\n\n\n\n
  • \u6cd5\u5b9a\u7e7c\u627f\u4eba \uff08Lawful Heirs\uff09
    \u65bc\u6cd5\u5f8b\u4e0a\u6709\u6b0a\u5229\u7e7c\u627f\u88ab\u7e7c\u627f\u4eba\u907a\u7522\u4e4b\u4eba\u3002<\/li>\n\n\n\n
  • \u6cd5\u5b9a\u8cac\u4efb\u6e96\u5099\u91d1 \uff08Legal Reserve\uff09
    \u4fc2\u6307\u6cd5\u5f8b\u898f\u5b9a\u4fdd\u96aa\u516c\u53f8\u5728\u7d93\u71df\u4e0a\uff0c\u6bcf\u5e74\u9808\u63d0\u5217\u6700\u4f4e\u9650\u5ea6\u4e4b\u91d1\u984d\uff0c\u4ee5\u5c0d\u61c9\u672a\u4f86\u53ef\u80fd\u4e4b\u6c42\u511f\u3002\u5728\u4eba\u58fd\u4fdd\u96aa\uff0c\u5247\u70ba\u5c0d\u61c9\u96a8\u88ab\u4fdd\u96aa\u4eba\u56e0\u5e74\u9f61\u589e\u9577\u800c\u63d0\u9ad8\u4e4b\u5371\u96aa\u3002<\/li>\n\n\n\n
  • \u8cac\u4efb (\u8ca0\u50b5) \uff08Liability \uff09
    \u82e5\u6307\u8cac\u4efb\uff0c\u5247\u4fc2\u6307\u7531\u6cd5\u5f8b\u6240\u8ce6\u4e88\u4e4b\u7d04\u675f\u6027\u8cac\u4efb\uff0c\u82e5\u4e0d\u5c65\u884c\u6642\uff0c\u6703\u6709\u53d7\u6cd5\u9662\u5f37\u5236\u5176\u5c65\u884c\u4e4b\u865e\uff1b\u82e5\u6307\u8ca0\u50b5\uff0c\u5247\u4fc2\u6307\u500b\u4eba\u6216\u6cd5\u4eba\u4e4b\u91d1\u9322\u50b5\u52d9\u800c\u8a00\uff0c\u5728\u4fdd\u96aa\u5247\u4fc2\u6307\u4fdd\u96aa\u516c\u53f8\u6240\u63d0\u5217\u4e4b\u5404\u7a2e\u6e96\u5099\u91d1\u3002<\/li>\n\n\n\n
  • \u904e\u5931\u8cac\u4efb\u5236 \uff08Liability For Negligence\uff09
    \u6c11\u6cd5\u4e4b\u57fa\u672c\u89c0\u5ff5\u65bc16\u4e16\u7d00\u81f319\u4e16\u7d00\u7684\u6b0a\u5229\u672c\u4f4d\u6642\u671f\uff0c\u70ba\u4fdd\u969c\u500b\u4eba\u81ea\u7531\u3001\u5e73\u7b49\uff0c\u56e0\u800c\u7522\u751f\u300c\u904e\u5931\u8cac\u4efb\u539f\u5247\u300d\u3002\u5728\u904e\u5931\u8cac\u4efb\u5236\u5ea6\u4e0b\uff0c\u500b\u4eba\u4e4b\u884c\u70ba\u81ea\u7531\uff0c\u5018\u82e5\u975e\u51fa\u65bc\u6545\u610f\u6216\u904e\u5931\uff0c\u81f4\u640d\u5bb3\u4ed6\u4eba\uff0c\u4e0d\u8ca0\u8ce0\u511f\u8cac\u4efb\u3002\u4ea6\u5373\u640d\u5bb3\u8ce0\u511f\u8cac\u4efb\u4e43\u662f\u57fa\u65bc\u884c\u70ba\u4eba\u7684\u904e\u5931\u800c\u4f86\uff0c\u300c\u7121\u904e\u5931\uff0c\u5373\u7121\u8cac\u4efb\u300d\uff08No Liability Without Fault\uff09\u3002<\/li>\n\n\n\n
  • \u8cac\u4efb\u4fdd\u96aa \uff08Liability Insurance\uff09
    \u53c8\u7a31\u70ba\u7b2c\u4e09\u4eba\u8cac\u4efb\u4fdd\u96aa\uff0c\u4fc2\u6307\u4fdd\u96aa\u4eba\u627f\u4fdd\u88ab\u4fdd\u96aa\u4eba\u56e0\u7279\u5b9a\u4e8b\u6545\u6216\u610f\u5916\u4e8b\u6545\u4e4b\u767c\u751f\u81f4\u640d\u5bb3\u7b2c\u4e09\u4eba\u4e4b\u6b0a\u5229\uff0c\u88ab\u4fdd\u96aa\u4eba\u4f9d\u6cd5\u6216\u4f9d\u5951\u7d04\u61c9\u5c0d\u7b2c\u4e09\u4eba\u8ca0\u640d\u5bb3\u8ce0\u511f\u8cac\u4efb\u6642\uff0c\u7531\u4fdd\u96aa\u4eba\u8ca0\u8ce0\u511f\u4e4b\u8cac\u7684\u4e00\u7a2e\u4fdd\u96aa\u578b\u5f0f\u3002<\/li>\n\n\n\n
  • \u8cac\u4efb\u9650\u984d \uff08Liability Limits\uff09
    \u4fc2\u6307\u4fdd\u96aa\u516c\u53f8\u627f\u4fdd\u67d0\u4e00\u8cac\u4efb\u4fdd\u96aa\u6642\uff0c\u6240\u627f\u64d4\u4e4b\u6700\u9ad8\u88dc\u511f\u91d1\u984d\u3002<\/li>\n\n\n\n
  • \u9583\u96fb \uff08Lightning\uff09
    \u5927\u6c23\u4e2d\u4e00\u7a2e\u80fd\u91cf\u91cb\u653e\u7684\u81ea\u7136\u73fe\u8c61\uff0c\u4fc2\u56e0\u5929\u7a7a\u4e2d\u96f2\u5c64\u9593\u56e0\u96fb\u4f4d\u5dee\u589e\u5927\u8d85\u904e\u4e00\u5b9a\u7a0b\u5ea6\u6642\uff0c\u6240\u7522\u751f\u4e4b\u731b\u70c8\u653e\u96fb\u73fe\u8c61\u3002\u9583\u96fb\u70ba\u706b\u707d\u4fdd\u96aa\u6240\u627f\u4fdd\u4e4b\u5371\u96aa\u4e8b\u6545\u3002<\/li>\n\n\n\n
  • \u502b\u6566\u52de\u4f9d\u8332 \uff08Lloyd’s Of London\uff09
    \u7c21\u7a31\u52de\u4f9d\u8332(Lloyd’s)\uff0c\u70ba\u82f1\u570b\u500b\u4eba\u4fdd\u96aa\u696d\u8005\u96c6\u5718\u4e4b\u7a31\u3002\u52de\u4f9d\u8332\u6b64\u4e00\u540d\u7a31\uff0c\u4e43\u65bc\u5341\u4e03\u4e16\u7d00\u4e2d\u671f\u7531\u611b\u5fb7\u83ef\uff0e\u52de\u4f9d\u8332\u5728\u502b\u6566\u6cf0\u6664\u58eb\u6cb3\u7554\u6240\u7d93\u71df\u4e4b\u5496\u5561\u9928\u800c\u4f86\uff0c\u70ba\u8cbf\u6613\u5546\u4eba\u3001\u8239\u6771\u53ca\u4fdd\u96aa\u5546\u4eba\u96c6\u6703\u4e4b\u6240\u3002\u5176\u5f8c\u9010\u6f38\u6210\u70ba\u500b\u4eba\u4fdd\u96aa\u5546\u4e4b\u696d\u52d9\u4e2d\u5fc3\u30021760\u5e74\u6210\u7acb\u52de\u4f9d\u8332\u793e\u5718\uff0c1871\u5e74\u6539\u7d44\u70ba\u6cd5\u4eba\uff0c\u7a31\u70baThe Corporation of Lloyd’s\uff0c\u60df\u696d\u52d9\u4e4b\u627f\u4fdd\u4fc2\u7531\u52de\u4f9d\u8332\u6240\u5c6c\u4e4b\u500b\u4eba\u4fdd\u96aa\u5546\u8ca0\u8cac\uff0c\u52de\u4f9d\u8332\u50c5\u5411\u6703\u54e1\u63d0\u4f9b\u5834\u5730\u53ca\u670d\u52d9\u800c\u5df2\u3002\u52de\u4f9d\u8332\u9664\u7d93\u71df\u4fdd\u96aa\u696d\u52d9\u5916\uff0c\u4e26\u51fa\u7248\u82e5\u5e72\u520a\u7269\uff0c\u5728\u4e16\u754c\u5404\u91cd\u8981\u6e2f\u57e0\u90fd\u5e02\u8a2d\u7acb\u4ee3\u7406\u8655\uff0c\u5831\u5c0e\u53ca\u8655\u7406\u6709\u95dc\u822a\u696d\u53ca\u4fdd\u96aa\u696d\u4e4b\u5404\u7a2e\u6d88\u606f\u3002\u73fe\u70ba\u82f1\u570b\u4e3b\u8981\u4fdd\u96aa\u5e02\u5834\u53ca\u5168\u4e16\u754c\u91cd\u8981\u518d\u4fdd\u96aa\u5e02\u5834\u4e4b\u4e00\u3002<\/li>\n\n\n\n
  • \u9644\u52a0\u4fdd\u96aa\u8cbb \uff08Loading\uff09
    \u9069\u7576\u7684\u4fdd\u96aa\u8cbb\uff0c\u9664\u4e86\u5fc5\u9808\u5408\u7406\u7684\u9810\u6e2c\u5371\u96aa\u4ee5\u6c7a\u5b9a\u7d14\u4fdd\u96aa\u8cbb\uff0c\u6b64\u5916\u9084\u5fc5\u9808\u52a0\u4e0a\u5951\u7d04\u7ba1\u7406\u8cbb\u7528\u3001\u62db\u652c\u4eba\u4f63\u91d1\u3001\u5ee3\u544a\u5ba3\u50b3\u7b49\u71df\u904b\u6240\u5fc5\u9808\u4e4b\u8cbb\u7528\uff0c\u8a72\u71df\u904b\u8cbb\u7528\u5373\u70ba\u9644\u52a0\u4fdd\u96aa\u8cbb\u3002<\/li>\n\n\n\n
  • \u9577\u5c3e\u696d\u52d9 \uff08Long-tail Business\uff09
    \u4fc2\u6307\u6240\u767c\u751f\u8ce0\u6848\u591a\u70ba\u9577\u5c3e\u8ce0\u6848(Long-tail Business Claim)\u4e4b\u696d\u52d9\uff0c\u901a\u5e38\u70ba\u8cac\u4efb\u4fdd\u96aa\u3002<\/li>\n\n\n\n
  • \u9577\u5c3e\u8ce0\u6848 \uff08Long-tail Claim\uff09
    \u8cac\u4efb\u4fdd\u96aa\u55ae\u6709\u6240\u8b02\u300c\u4e8b\u6545\u767c\u751f\u57fa\u790e\u300d\uff0c\u6307\u88ab\u4fdd\u96aa\u4eba\u5728\u4fdd\u96aa\u671f\u9593\u5167\u6240\u767c\u751f\u4e4b\u4fdd\u96aa\u4e8b\u6545\uff0c\u4e26\u5728\u898f\u5b9a\u6642\u6548\u5167\u8acb\u6c42\u8ce0\u511f\uff0c\u4fdd\u96aa\u4eba\u5747\u61c9\u8ca0\u8ce0\u511f\u8cac\u4efb\u3002\u7576\u88ab\u4fdd\u96aa\u4eba\u906d\u53d7\u8ce0\u511f\u8acb\u6c42\u4e4b\u4e8b\u6545\u662f\u6f5b\u4f0f\u6027\u7684\uff0c\u9808\u7d93\u904e\u9577\u6642\u671f\u624d\u767c\u73fe\uff0c\u4ee5\u81f4\u88ab\u4fdd\u96aa\u4eba\u6703\u5728\u8a31\u591a\u5e74\u4e4b\u5f8c\u624d\u5411\u4fdd\u96aa\u4eba\u63d0\u51fa\u8ce0\u511f\u8acb\u6c42\uff0c\u9019\u4e00\u7a2e\u7d93\u904e\u9577\u6642\u671f\u59cb\u7372\u901a\u77e5\u7684\u8ce0\u6848\uff0c\u7a31\u70ba\u9577\u5c3e\u8ce0\u6848\u3002<\/li>\n\n\n\n
  • \u640d\u5931 \uff08Loss\uff09
    \u4ee5\u706b\u707d\u4fdd\u96aa\u70ba\u4f8b\uff0c\u4fc2\u6307\u627f\u4fdd\u7684\u5371\u96aa\u4e8b\u6545\u767c\u751f\u5c0d\u4fdd\u96aa\u6a19\u7684\u7269\u76f4\u63a5\u6240\u81f4\u7684\u6bc0\u640d\u6216\u6ec5\u5931\uff0c\u4e0d\u5305\u62ec\u79df\u91d1\u6536\u5165\u3001\u9810\u671f\u5229\u76ca\u3001\u9055\u7d04\u91d1\u3001\u5176\u4ed6\u9593\u63a5\u640d\u5931\u6216\u5c0d\u7b2c\u4e09\u4eba\u7684\u640d\u5bb3\u8ce0\u511f\u3002\u4f46\u4fdd\u96aa\u5951\u7d04\u53e6\u6709\u7d04\u5b9a\u8005\uff0c\u4e0d\u5728\u6b64\u9650\u3002<\/li>\n\n\n\n
  • \u6a5f\u68b0\u4fdd\u96aa \uff08Machine Insurance\uff09
    \u70ba\u5de5\u7a0b\u4fdd\u96aa\u4e4b\u4e00\u7a2e\uff0c\u627f\u4fdd\u6a5f\u68b0\u8a2d\u5099\u56e0\u64cd\u4f5c\u758f\u5ffd\u6216\u6a5f\u68b0\u6545\u969c\u6240\u81f4\u4e4b\u6bc0\u640d\u6216\u6ec5\u5931\u3002<\/li>\n\n\n\n
  • \u6d77\u4e0a\u4fdd\u96aa \uff08Marine Insurance\uff09
    \u4fc2\u6307\u4f9d\u5951\u7d04\u898f\u5b9a\u627f\u4fdd\u6d77\u4e0a\u4e4b\u4e8b\u8b8a\u53ca\u707d\u5bb3\u6240\u751f\u4e4b\u6bc0\u640d\u6ec5\u5931\u53ca\u8cbb\u7528\u4e4b\u4fdd\u96aa\u3002\u6d77\u4e0a\u4fdd\u96aa\u4e4b\u6a19\u7684\uff0c\u8a08\u6709\u8239\u8236\u3001\u8ca8\u7269\u3001\u904b\u8cbb\u3001\u5c0d\u7b2c\u4e09\u4eba\u4e4b\u8ce0\u511f\u8cac\u4efb\uff0c\u4ee5\u53ca\u56e0\u822a\u6d77\u800c\u751f\u4e4b\u4f63\u91d1\u3001\u5229\u6f64\u3001\u588a\u6b3e\u7b49\u5171\u4e94\u985e\u3002\u6709\u4ee5\u6642\u9593\u6216\u822a\u7a0b\u70ba\u4e0d\u540c\u671f\u9593\u4e4b\u5404\u985e\u4fdd\u96aa\u55ae\u3002<\/li>\n\n\n\n
  • \u91cd\u8981\u4e8b\u5be6 \uff08Material Fact\uff09
    \u4fc2\u6307\u8db3\u4ee5\u5f71\u97ff\u4fdd\u96aa\u516c\u53f8\u5c0d\u67d0\u4e00\u5371\u96aa\u4e8b\u6545\u4e4b\u627f\u4fdd\u8207\u5426\u3001\u8cbb\u7387\u9ad8\u4f4e\u3001\u627f\u4fdd\u7bc4\u570d\u4ee5\u53ca\u640d\u5931\u7406\u8ce0\u7b49\u4e4b\u5404\u9805\u4e8b\u5be6\u3002\u8981\u4fdd\u4eba\u65bc\u8a02\u7acb\u4fdd\u96aa\u5951\u7d04\u6642\uff0c\u82e5\u5c0d\u65bc\u91cd\u8981\u4e8b\u5be6\u6545\u610f\u96b1\u533f\u3001\u6216\u56e0\u904e\u5931\u907a\u6f0f\uff0c\u6216\u70ba\u4e0d\u5be6\u4e4b\u8aaa\u660e\uff0c\u8db3\u4ee5\u8b8a\u66f4\u6216\u6e1b\u5c11\u4fdd\u96aa\u4eba\u5c0d\u5371\u96aa\u4e4b\u4f30\u8a08\u8005\uff0c\u4fdd\u96aa\u4eba\u5f97\u89e3\u9664\u5951\u7d04\u3002<\/li>\n\n\n\n
  • \u6700\u5927\u53ef\u80fd\u640d\u5931 \uff08Maximum Possible Loss(M.P.L.)\uff09
    \u4fc2\u6307\u640d\u5931\u767c\u751f\u6642\uff0c\u5728\u9632\u707d\u63aa\u65bd\u672a\u80fd\u6b63\u5e38\u904b\u4f5c\u4e0b\u53ef\u80fd\u906d\u53d7\u4e4b\u6700\u5927\u640d\u5931\u3002<\/li>\n\n\n\n
  • \u4e0d\u5be6\u8aaa\u660e \uff08Misrepresentation\uff09
    \u4fc2\u6307\u8981\u4fdd\u4eba\u61c9\u64da\u5be6\u56de\u7b54\u8981\u4fdd\u66f8\u4e0a\u4e4b\u6240\u6709\u554f\u984c\uff0c\u82e5\u70ba\u6545\u610f\u8a50\u6b3a\u4e14\u5c6c\u91cd\u8981\u4e8b\u5be6\uff0c\u800c\u5be6\u969b\u4e4b\u5371\u96aa\u9054\u62d2\u4fdd\u7a0b\u5ea6\u8005\uff0c\u4fdd\u96aa\u4eba\u5f97\u89e3\u9664\u5951\u7d04\u3002<\/li>\n\n\n\n
  • \u9053\u5fb7\u5371\u96aa\u56e0\u7d20 \uff08Moral Hazard\uff09
    \u6307\u8db3\u4ee5\u5f15\u8d77\u6216\u589e\u52a0\u5371\u96aa\u4e8b\u6545(Peril)\u4e4b\u767c\u751f\u6a5f\u6703(\u640d\u5931\u983b\u7387)\uff0c\u6216\u8db3\u4ee5\u64f4\u5927\u640d\u5931\u7a0b\u5ea6(\u640d\u5931\u5e45\u5ea6)\u4e4b\u56e0\u7d20\uff0c\u8a72\u56e0\u7d20\u591a\u4fc2\u56e0\u88ab\u4fdd\u96aa\u4eba\u6216\u5176\u4ee3\u7406\u4eba\u3001\u53d7\u50f1\u4eba\u56e0\u74b0\u5883\u6216\u5176\u672c\u6027\u8a98\u767c\u4e4b\u758f\u5ffd\u6216\u4e0d\u8aa0\u5be6\u5fc3\u614b\u6240\u81f4\uff0c\u5c6c\u65bc\u4e3b\u89c0\u5371\u96aa\u56e0\u7d20\u3002<\/li>\n\n\n\n
  • \u5fc3\u7406\u5371\u96aa\u56e0\u7d20 \uff08Morale Hazard\uff09
    \u6216\u7a31\u6020\u5ffd\u5371\u96aa\u56e0\u7d20\uff0c\u4fc2\u6307\u88ab\u4fdd\u96aa\u4eba\u7531\u65bc\u4f9d\u6043\u6709\u4fdd\u96aa\u5951\u7d04\u4e4b\u4fdd\u969c\uff0c\u5c0d\u4fdd\u96aa\u6a19\u7684\u4e4b\u640d\u5931\u9810\u9632\u8207\u9632\u8b77\u7684\u6d88\u6975\u4e0d\u4f5c\u70ba\uff0c\u81f4\u4f7f\u5371\u96aa\u4e8b\u6545\u767c\u751f\u4e4b\u6a5f\u6703\u6216\u640d\u5931\u4e4b\u7a0b\u5ea6\u589e\u52a0\u4e4b\u60c5\u6cc1\u3002<\/li>\n\n\n\n
  • \u5217\u8209\u5371\u96aa\u4e8b\u6545\u4fdd\u96aa\u55ae \uff08Named Peril Policy\uff09
    \u4fc2\u6307\u627f\u4fdd\u7279\u5b9a\u5371\u96aa\u4e8b\u6545\u4e4b\u4fdd\u96aa\u55ae\uff0c\u4fdd\u96aa\u4eba\u50c5\u5c31\u4fdd\u96aa\u55ae\u689d\u6b3e\u5167\u8f09\u660e\u4e4b\u7279\u5b9a\u5371\u96aa\u4e8b\u6545\u6240\u81f4\u4fdd\u96aa\u6a19\u7684\u4e4b\u640d\u5931\u8ca0\u8ce0\u511f\u8cac\u4efb\u3002\u6709\u5225\u65bc\u6982\u62ec\u5f0f\u627f\u4fdd\u4e4b\u4fdd\u55ae\u3002\u5217\u8209\u5371\u96aa\u4e8b\u6545\u4fdd\u96aa\u55ae\u5982\u706b\u707d\u4fdd\u96aa\u55ae\u3001\u934b\u7210\u4fdd\u96aa\u55ae\u3001\u9632\u764c\u5065\u5eb7\u4fdd\u96aa\u55ae\u3001\u6b7b\u4ea1\u4fdd\u96aa\u55ae\u3002<\/li>\n\n\n\n
  • \u904e\u5931 \uff08Negligence \uff09
    \u4fc2\u6307\u7531\u65bc\u907a\u6f0f\u6216\u6020\u5ffd\u6240\u81f4\uff0c\u672a\u76e1\u6b63\u5e38\u4eba\u61c9\u76e1\u4e4b\u8b39\u614e\u884c\u70ba\u4e4b\u60c5\u6cc1\u3002\u904e\u5931\u5728\u6211\u570b\u5206\u70ba\u4e09\u7d1a\uff1a1.\u91cd\u5927\u904e\u5931(\u986f\u7136\u6b20\u7f3a\u666e\u901a\u4eba\u6ce8\u610f)\uff0c\u5177\u9ad4\u904e\u5931(\u6b20\u7f3a\u8207\u8655\u7406\u81ea\u5df1\u4e8b\u52d9\u70ba\u540c\u4e00\u4e4b\u6ce8\u610f)\uff0c\u62bd\u8c61\u904e\u5931(\u6b20\u7f3a\u5584\u826f\u7ba1\u7406\u4eba\u4e4b\u6ce8\u610f)\u3002<\/li>\n\n\n\n
  • \u7d14\u4fdd\u8cbb \uff08Net Single Premium\uff09
    \u53c8\u7a31\u6de8\u4fdd\u8cbb\uff0c\u70ba\u7d14\u4fdd\u969c\u6210\u672c\uff0c\u6307\u4e0d\u542b\u9644\u52a0\u8cbb\u7528\u53ca\u5b89\u5168\u6e96\u5099\uff0c\u7d14\u70ba\u627f\u64d4\u672a\u4f86\u7406\u8ce0\u7d66\u4ed8\u4e4b\u4fdd\u96aa\u8cbb\u3002<\/li>\n\n\n\n
  • \u7121\u904e\u5931\u4fdd\u96aa \uff08No-Fault Insurance\uff09
    \u4fc2\u6307\u627f\u4fdd\u88ab\u4fdd\u96aa\u4eba\u4e4b\u4fdd\u96aa\u6a19\u7684\u767c\u751f\u4e8b\u6545\u81f4\u4ed6\u4eba\u8eab\u9ad4\u50b7\u5bb3\uff0c\u6240\u61c9\u8ca0\u4e4b\u8ce0\u511f\u8cac\u4efb\uff0c\u800c\u4e0d\u8ad6\u4e8b\u6545\u8cac\u4efb\u7a76\u7adf\u5c6c\u65bc\u90a3\u4e00\u65b9\u3002\u6c7d\u8eca\u4fdd\u96aa\u63a1\u7121\u904e\u5931\u5236\u8005\uff0c\u4fc2\u4ee5\u7b2c\u4e00\u4eba\u70ba\u57fa\u790e\u4e4b\u4fdd\u96aa\uff0c\u4e14\u591a\u4ee5\u8eab\u9ad4\u50b7\u5bb3\u70ba\u4e3b\uff0c\u6545\u4ea6\u7a31\u70ba\u9ad4\u50b7\u4fdd\u8b77\u96aa\u3002<\/li>\n\n\n\n
  • \u7121\u904e\u5931\u5236 \uff08No-Fault Plan\uff09
    \u5728\u7121\u904e\u5931\u5236\uff0c\u884c\u70ba\u4eba\u7e31\u7136\u7121\u904e\u5931\uff0c\u4f46\u5176\u884c\u70ba\u8207\u53d7\u5bb3\u4eba\u4e4b\u640d\u5bb3\u6709\u76f4\u63a5\u56e0\u679c\u95dc\u4fc2\u8005\uff0c\u884c\u70ba\u4eba\u4ea6\u61c9\u8ca0\u8ce0\u511f\u8cac\u4efb\u3002<\/li>\n\n\n\n
  • \u4e0d\u53ef\u4fdd\u5371\u96aa \uff08Noninsurable Risk\uff09
    \u4fc2\u6307\u56e0\u7121\u6cd5\u6b63\u78ba\u9810\u4f30\u5176\u640d\u5931\u6a5f\u7387\uff0c\u6216\u56e0\u640d\u5931\u6a5f\u7387\u5f88\u9ad8\uff0c\u800c\u4fdd\u96aa\u4eba\u6240\u4e0d\u6b32\u6216\u7121\u6cd5\u627f\u4fdd\u4e4b\u5371\u96aa\u3002\u4f8b\u5982\uff1a\u6230\u722d\u5371\u96aa\u3001\u751f\u5316\u7269\u8cea\u6c61\u67d3\u3001\u6c11\u773e\u9a37\u64fe\u7b49\u7b49\u3002\u800c\u82e5\u4e8b\u6545\u4e4b\u767c\u751f\uff0c\u5176\u7d50\u679c\u6709\u53ef\u80fd\u662f\u640d\u5931\u6216\u6536\u76ca\uff0c\u5177\u6709\u4e0d\u78ba\u5b9a\u6027\u8005\uff0c\u5c6c\u6295\u6a5f\u6027\u98a8\u96aaSpeculative Risk\u8005\uff0c\u4ea6\u5c6c\u65bc\u4e0d\u53ef\u4fdd\u5371\u96aa\u3002<\/li>\n\n\n\n
  • \u5ba2\u89c0\u5371\u96aa \uff08Objective Risk\uff09
    \u4fc2\u6307\u5728\u5ba2\u89c0\u4e0a\u5bb9\u6613\u8861\u91cf\u5176\u5b58\u5728\uff0c\u4e26\u53ef\u4ee5\u7528\u91d1\u9322\u50f9\u503c\u8868\u793a\u7684\u98a8\u96aa\u3002<\/li>\n\n\n\n
  • \u8077\u696d\u6027\u5371\u96aa \uff08Occupational Hazard\uff09
    \u4fc2\u6307\u500b\u4eba\u56e0\u5f9e\u4e8b\u4e4b\u8077\u696d\u6216\u6240\u66b4\u9732\u4e4b\u8077\u696d\u74b0\u5883\u800c\u589e\u52a0\u75be\u75c5\u3001\u6b7b\u4ea1\u6216\u610f\u5916\u4e8b\u6545\u7684\u5371\u96aa\u56e0\u7d20\u3002<\/li>\n\n\n\n
  • \u4e8b\u6545\u767c\u751f\u57fa\u790e \uff08Occurrence Basis\uff09
    \u8cac\u4efb\u4fdd\u96aa\u4e4b\u4fdd\u96aa\u4eba\u61c9\u5426\u8ca0\u64d4\u4fdd\u96aa\u8cac\u4efb\uff0c\u5176\u6c7a\u5b9a\u57fa\u6e96\u53ef\u5206\u70ba\u4e8b\u6545\u767c\u751f\u57fa\u790e(Occurrence Basis)\u53ca\u7d22\u8ce0\u57fa\u790e(Claims Made Basis)\u5169\u7a2e\u3002\u4e8b\u6545\u767c\u751f\u57fa\u790e\u4fc2\u6307\u51e1\u5728\u4fdd\u96aa\u671f\u9593\u767c\u751f\u4fdd\u96aa\u4e8b\u6545\uff0c\u88ab\u4fdd\u96aa\u4eba\u5728\u898f\u5b9a\u6642\u6548\u5167\u8acb\u6c42\u8ce0\u511f\uff0c\u4fdd\u96aa\u4eba\u61c9\u8ca0\u8ce0\u511f\u8cac\u4efb\u3002<\/li>\n\n\n\n
  • \u8981\u7d04\u8207\u627f\u8afe \uff08Offer And Acceptence\uff09
    \u4fc2\u6307\u5951\u7d04\u7576\u4e8b\u4eba\u4e4b\u4e00\u65b9\u5411\u4ed6\u65b9\u70ba\u8a02\u7acb\u5951\u7d04\u4e4b\u610f\u601d\u8868\u793a\uff0c\u4ed6\u65b9\u8a8d\u70ba\u53ef\u4e88\u63a5\u53d7\u5247\u70ba\u627f\u8afe\u4e4b\u610f\u601d\u8868\u793a\u3002\u4ee5\u4fdd\u96aa\u70ba\u4f8b\uff0c\u7531\u8981\u4fdd\u4eba\u586b\u59a5\u8981\u4fdd\u66f8\u7c3d\u540d\u84cb\u7ae0\u5f8c\u905e\u4ea4\u4fdd\u96aa\u516c\u53f8\uff0c\u5373\u70ba\u8981\u7d04\u4e4b\u610f\u601d\u8868\u793a\uff0c\u82e5\u4fdd\u96aa\u516c\u53f8\u8a8d\u70ba\u53ef\u4e88\u63a5\u53d7\u5247\u4f9d\u7533\u8acb\u6838\u767c\u4fdd\u55ae\uff0c\u5373\u69cb\u6210\u627f\u8afe\u4e4b\u610f\u601d\u8868\u793a\u3002\u6b64\u7d93\u904e\u4e00\u65b9\u8981\u7d04\u4ed6\u65b9\u4e4b\u627f\u8afe\u5373\u70ba\u96d9\u65b9\u5408\u610f\uff0c\u70ba\u5951\u7d04\u6709\u6548\u6210\u7acb\u4e4b\u8981\u4ef6\u4e4b\u4e00\u3002<\/li>\n\n\n\n
  • \u9810\u7d04\u518d\u4fdd\u96aa\uff08\u518d\u4fdd\uff09 \uff08Open Cover\uff09
    \u9810\u7d04\u518d\u4fdd\u96aa\u4e4b\u6027\u8cea\u4ecb\u65bc\u81e8\u6642\u518d\u4fdd\u96aa\u8207\u5408\u7d04\u518d\u4fdd\u96aa\u4e4b\u9593\u3002\u4fdd\u96aa\u4eba\u6240\u5206\u51fa\u539f\u5148\u7d04\u5b9a\u4e4b\u7279\u5b9a\u696d\u52d9\uff0c\u518d\u4fdd\u96aa\u4eba\u6beb\u7121\u9078\u64c7\u5fc5\u9808\u63a5\u53d7\u3002\u4f46\u4fdd\u96aa\u4eba\u5c0d\u9019\u985e\u578b\u7684\u696d\u52d9\uff0c\u662f\u5426\u8981\u5206\u4e88\u518d\u4fdd\u96aa\u4eba\u5247\u53ef\u81ea\u7531\u6c7a\u5b9a\u3002\u7531\u65bc\u518d\u4fdd\u96aa\u4eba\u7121\u6cd5\u78ba\u4fdd\u696d\u52d9\u7684\u54c1\u8cea\u8207\u6578\u91cf\uff0c\u56e0\u6b64\u9019\u985e\u696d\u52d9\u4e4b\u518d\u4fdd\u4f63\u91d1\u7387\u4f4e\uff0c\u4e14\u518d\u4fdd\u96aa\u4eba\u7121\u9808\u652f\u4ed8\u76c8\u9918\u4f63\u91d1\uff0c\u4ea6\u7121\u5b58\u51fa\u518d\u4fdd\u8cac\u4efb\u6e96\u5099\u91d1\u4e4b\u63d0\u5b58\u3002\u4fdd\u96aa\u4eba\u4f7f\u7528\u9810\u7d04\u518d\u4fdd\u96aa\u7684\u4e3b\u8981\u76ee\u7684\u4e00\u822c\u5728\u9632\u6b62\u5371\u96aa\u7684\u4e0d\u898f\u5247\u767c\u751f\u3002<\/li>\n\n\n\n
  • \u9810\u7d04\u4fdd\u96aa\u55ae \uff08Open Policy\uff09
    \u53c8\u7a31\u5408\u7d04\u4fdd\u96aa\u55ae\u6216\u9577\u671f\u4fdd\u96aa\u5408\u7d04\uff0c\u70ba\u8ca8\u7269\u6d77\u4e0a\u4fdd\u96aa\u4e4b\u9810\u7d04\uff0c\u4fdd\u55ae\u5167\u9808\u8f09\u660e\u627f\u4fdd\u8ca8\u7269\u3001\u8239\u8236\u3001\u4fdd\u96aa\u689d\u4ef6\u3001\u8cbb\u7387\u53ca\u6bcf\u4e00\u6b21\u904b\u8f38\u6642\u4e4b\u6700\u9ad8\u4fdd\u96aa\u91d1\u984d\uff0c\u4ee5\u53ca\u5408\u7d04\u671f\u9593\u7b49\u4fdd\u96aa\u76f8\u95dc\u91cd\u8981\u4e8b\u9805\uff0c\u4e26\u898f\u5b9a\u65bc\u904b\u8f38\u7684\u8a73\u7d30\u60c5\u6cc1\u78ba\u5b9a\u5f8c\uff0c\u88ab\u4fdd\u96aa\u4eba\u61c9\u4f9d\u7d04\u5b9a\u6642\u9593\u5411\u4fdd\u96aa\u4eba\u7533\u5831\uff0c\u4fdd\u96aa\u4eba\u5373\u64da\u4ee5\u7c3d\u767c\u4fdd\u96aa\u55ae\u53ca\u88fd\u4f5c\u4fdd\u96aa\u8cbb\u660e\u7d30\u8868\u3002<\/li>\n\n\n\n
  • \u539f\u4fdd\u96aa\u4eba \uff08Original Insurer\uff09
    \u4fdd\u96aa\u4eba\u8207\u8981\u4fdd\u4eba\u4e4b\u9593\u6700\u521d\u6210\u7acb\u4e4b\u4fdd\u96aa\uff0c\u7a31\u70ba\u539f\u4fdd\u96aa\u3002\u800c\u539f\u4fdd\u96aa\u4eba\u5373\u6307\u5c07\u672c\u8eab\u627f\u4fdd\u5371\u96aa\u4e4b\u4e00\u90e8\u4efd\u6216\u5168\u90e8\uff0c\u4ee5\u518d\u4fdd\u96aa\u65b9\u5f0f\u5206\u4e88\u518d\u4fdd\u96aa\u4eba\uff08Reinsurer\uff09\u4e4b\u4fdd\u96aa\u4eba\uff0c\u53c8\u7a31\u70ba\u5206\u51fa\u516c\u53f8\uff08Ceding Company\uff09\u3001\u539f\u7c3d\u55ae\u4eba\uff08Original Writer\uff09\u6216\u88ab\u518d\u4fdd\u96aa\u4eba\uff08Reinsured\uff09\u3002<\/li>\n\n\n\n
  • \u672a\u6536\u4fdd\u96aa\u8cbb \uff08Outstanding Premium\uff09
    \u4fc2\u6307\u5df2\u5c46\u7e73\u8cbb\u671f\u9650\uff0c\u4f46\u5c1a\u672a\u6536\u5230\u7684\u4fdd\u96aa\u8cbb\u3002<\/li>\n\n\n\n
  • \u8d85\u984d\u4fdd\u96aa \uff08Over Insurance\uff09
    \u53c8\u7a31\u8d85\u904e\u4fdd\u96aa\uff0c\u4fc2\u6307\u4fdd\u96aa\u6a19\u7684\u4e4b\u4fdd\u96aa\u91d1\u984d\u8d85\u904e\u4fdd\u96aa\u6a19\u7684\u50f9\u503c\u4e4b\u4fdd\u96aa\u3002\u8d85\u984d\u4fdd\u96aa\u4e4b\u767c\u751f\uff0c\u5982\u4fc2\u56e0\u4fdd\u96aa\u5951\u7d04\u7576\u4e8b\u4eba\u4e4b\u4e00\u65b9\u4e4b\u8a50\u6b3a\u6240\u8a02\u7acb\uff0c\u4f9d\u6211\u570b\u4fdd\u96aa\u6cd5\u7b2c76\u689d\u4e4b\u898f\u5b9a\uff0c\u4ed6\u65b9\u5f97\u89e3\u9664\u5951\u7d04\u3002\u82e5\u7121\u8a50\u6b3a\u4e4b\u60c5\u4e8b\uff0c\u7d93\u7576\u4e8b\u4eba\u4e4b\u4e00\u65b9\u5c07\u8d85\u904e\u50f9\u503c\u4e4b\u4e8b\u5be6\u901a\u77e5\u4ed6\u65b9\uff0c\u5247\u4fdd\u96aa\u91d1\u984d\u53ca\u4fdd\u96aa\u8cbb\u61c9\u6309\u4fdd\u96aa\u6a19\u7684\u4e4b\u50f9\u503c\u6bd4\u4f8b\u6e1b\u5c11\u3002<\/li>\n\n\n\n
  • \u8d85\u91cf\u627f\u4fdd \uff08Overline\uff09
    \u4fc2\u6307\u4fdd\u96aa\u516c\u53f8\u6703\u91dd\u5c0d\u5404\u7a2e\u4e0d\u540c\u985e\u578b\u696d\u52d9\u4e4b\u7a2e\u985e\u53ca\u4fdd\u96aa\u6a19\u7684\u4e4b\u6027\u8cea\uff0c\u7d93\u8003\u91cf\u81ea\u8eab\u4e4b\u627f\u4fdd\u80fd\u91cf\u3001\u8cc7\u672c\u984d\u3001\u5e74\u6536\u4fdd\u96aa\u8cbb\u7e3d\u984d\u3001\u640d\u5931\u7d93\u9a57\u4ee5\u53ca\u518d\u4fdd\u5b89\u6392\uff0c\u8a02\u5b9a\u51fa\u627f\u4fdd\u9650\u984d\uff0c\u82e5\u627f\u63a5\u4e4b\u696d\u52d9\u8d85\u904e\u6b64\u4e00\u9650\u984d\uff0c\u5373\u70ba\u8d85\u91cf\u627f\u4fdd\u3002\u7576\u8d85\u91cf\u627f\u4fdd\u6642\uff0c\u4fdd\u96aa\u516c\u53f8\u61c9\u5373\u8a2d\u6cd5\u964d\u4f4e\u627f\u4fdd\u6bd4\u4f8b\u6216\u5c0b\u6c42\u81e8\u6642\u518d\u4fdd\u96aa\u4e4b\u652f\u6301\u3002<\/li>\n\n\n\n
  • \u5957\u88dd\u4fdd\u96aa \uff08Package Insurance\uff09
    \u4fc2\u6307\u4fdd\u96aa\u516c\u53f8\u91dd\u5c0d\u67d0\u7a2e\u7279\u5b9a\u4e4b\u88ab\u4fdd\u96aa\u4eba\u4e4b\u9700\u8981\uff0c\u800c\u5c07\u6578\u7a2e\u4e0d\u540c\u7a2e\u985e\u4e4b\u4fdd\u96aa\u5408\u4f75\u65bc\u4e00\u5f35\u4fdd\u96aa\u55ae\u4e4b\u5167\u3002<\/li>\n\n\n\n
  • \u55ae\u7368\u6d77\u640d \uff08Particular Average\uff09
    \u4fc2\u6307\u4fdd\u96aa\u6a19\u7684\u56e0\u627f\u4fdd\u7684\u5371\u96aa\u4e8b\u6545\u6240\u81f4\uff0c\u975e\u5c6c\u5171\u540c\u6d77\u640d\u7684\u90e8\u5206\u640d\u5931\u3002\u4fc2\u6d77\u4e0a\u4fdd\u96aa\u4e4b\u7528\u8a9e\uff0c\u8207\u5171\u540c\u6d77\u640d\u70ba\u76f8\u5c0d\u7684\u6982\u5ff5\u3002<\/li>\n\n\n\n
  • \u4fdd\u96aa\u91d1\u4f5c\u70ba\u88ab\u4fdd\u96aa\u4eba\u907a\u7522\u689d\u6b3e \uff08Payment To The Estate\uff09
    \u4fc2\u6307\u4e0d\u4ee5\u500b\u4eba\u6216\u7d44\u7e54\u4f5c\u70ba\u4fdd\u55ae\u53d7\u76ca\u4eba\uff0c\u800c\u5c07\u4fdd\u96aa\u7d66\u4ed8\u7576\u4f5c\u88ab\u4fdd\u96aa\u4eba\u4e4b\u907a\u7522\u8655\u7406\uff0c\u4f46\u6b64\u8209\u5c07\u55aa\u5931\u7a05\u6cd5\u4e0a\u5c0d\u4fdd\u96aa\u7d66\u4ed8\u91d1\u7684\u512a\u60e0\u3002(\u6211\u570b\u4fdd\u96aa\u6cd5\u7b2c112\u689d\u4e4b\u898f\u5b9a\uff0c\u4fdd\u96aa\u91d1\u984d\u7d04\u5b9a\u65bc\u88ab\u4fdd\u96aa\u4eba\u6b7b\u4ea1\u6642\u7d66\u4ed8\u65bc\u5176\u6240\u6307\u5b9a\u4e4b\u53d7\u76ca\u4eba\u8005\uff0c\u5176\u91d1\u984d\u4e0d\u5f97\u4f5c\u70ba\u88ab\u4fdd\u96aa\u4eba\u4e4b\u907a\u7522\u3002\u4fdd\u96aa\u6cd5\u7b2c113\u689d\u4ea6\u898f\u5b9a\uff0c\u6b7b\u4ea1\u4fdd\u96aa\u5951\u7d04\u672a\u6307\u5b9a\u53d7\u76ca\u4eba\u8005\uff0c\u5176\u4fdd\u96aa\u91d1\u984d\u4f5c\u70ba\u88ab\u4fdd\u96aa\u4eba\u907a\u7522\u3002)<\/li>\n\n\n\n
  • \u7a7f\u900f\u7387 \uff08Penetration\uff09
    \u4ea6\u7a31\u6ef2\u900f\u5ea6\uff0c\u4fc2\u8861\u91cf\u67d0\u4e00\u96aa\u7a2e\u5728\u8a72\u5e02\u5834\u666e\u53ca\u7a0b\u5ea6\u7684\u6307\u6a19\u3002\u5176\u5b9a\u7fa9\u70ba\u8a72\u96aa\u7a2e\u4e4b\u4fdd\u96aa\u55ae\u6578\u9664\u4ee5\u8a72\u5e02\u5834\u53ef\u4ee5\u8cfc\u8cb7\u8a72\u4fdd\u96aa\u4e4b\u5168\u90e8\u500b\u6578\u4e4b\u6bd4\u7387\u3002<\/li>\n\n\n\n
  • \u52d5\u7522 \uff08Personal Property\uff09
    \u4ee5\u5546\u696d\u706b\u707d\u4fdd\u96aa\u800c\u8a00\uff0c\u9664\u4fdd\u96aa\u5951\u7d04\u53e6\u6709\u7d04\u5b9a\u5916\uff0c\u4fc2\u6307\u71df\u696d\u751f\u8ca1\u3001\u6a5f\u5668\u8a2d\u5099\u3001\u8ca8\u7269\u3002(\u4e00)\u71df\u696d\u751f\u8ca1\uff1a\u6307\u7d93\u71df\u696d\u52d9\u6240\u9700\u4e4b\u4e00\u5207\u5668\u5177\u3001\u7528\u54c1\uff0c\u5305\u62ec\u62db\u724c\u53ca\u8fa6\u516c\u8a2d\u5099\u3002(\u4e8c)\u6a5f\u5668\u8a2d\u5099\uff1a\u6307\u4f5c\u70ba\u751f\u7522\u7528\u9014\u6240\u5fc5\u9700\u4e4b\u6a5f\u5668\u53ca\u8a2d\u5099\u3002(\u4e09)\u8ca8\u7269\uff1a\u6307\u539f\u6599\u3001\u7269\u6599\u3001\u5728\u88fd\u54c1\u3001\u534a\u6210\u54c1\u3001\u6210\u54c1\u53ca\u5546\u54c1\u3002<\/li>\n\n\n\n
  • \u5be6\u8cea\u5371\u96aa\u56e0\u7d20 \uff08Physical Hazard\uff09
    \u4fc2\u6307\u5b58\u5728\u65bc\u6a19\u7684\u7269\u4e4b\u672c\u8eab\u6216\u5176\u672c\u8cea\u5167\u5728\u7684\uff0c\u6216\u5176\u6240\u8655\u4e4b\u74b0\u5883\u5916\u4f86\u7684\u975e\u4eba\u70ba\u56e0\u7d20\uff0c\u6545\u70ba\u4e00\u7a2e\u8db3\u4ee5\u5f71\u97ff\u5371\u96aa\u767c\u751f\u4e4b\u7269\u7406\u6216\u5316\u5b78\u6027\u56e0\u7d20\u3002\u4f8b\u5982\uff1a\u4fdd\u96aa\u6a19\u7684\u7269\u6240\u5728\u5730\u3001\u623f\u5c4b\u4e4b\u5efa\u6750\u3001\u5efa\u7bc9\u7269\u4e4b\u4f7f\u7528\u6027\u8cea\u3001\u5efa\u7bc9\u7269\u56db\u5468\u4e4b\u74b0\u5883\u3001\u5efa\u7bc9\u7269\u4e4b\u6d88\u9632\u8a2d\u5099\u3002<\/li>\n\n\n\n
  • \u4fdd\u55ae\u9650\u984d \uff08Policy Limit\uff09
    \u4fc2\u6307\u4fdd\u96aa\u55ae\u6700\u9ad8\u7406\u8ce0\u9650\u984d\u3002\u8cac\u4efb\u4fdd\u96aa\u55ae\u591a\u8a2d\u6709\u4fdd\u96aa\u55ae\u9650\u984d\uff0c\u4f46\u4e5f\u53ef\u80fd\u91dd\u5c0d\u6bcf\u4e00\u4e8b\u6545\u8a2d\u5b9a\u9650\u984d\u3002\u8ca1\u7522\u4fdd\u96aa\u5247\u591a\u4ee5\u7e3d\u4fdd\u96aa\u91d1\u984d\u4f5c\u70ba\u4fdd\u96aa\u55ae\u9650\u984d\u3002\u4fdd\u96aa\u4eba\u5c0d\u65bc\u88ab\u4fdd\u96aa\u4eba\u4e4b\u640d\u5931\u7d66\u4ed8\u4e4b\u6700\u5927\u6578\u76ee\u5c07\u4e0d\u6703\u8d85\u904e\u4fdd\u55ae\u9650\u984d\u3002<\/li>\n\n\n\n
  • \u4fdd\u55ae\u5e74\u5ea6\u7d93\u9a57 \uff08Policy Year Experience \uff09
    \u4fc2\u6307\u7279\u5b9a\u4e00\u5f35\u4fdd\u96aa\u55ae\u5728\u4e00\u500b\u4fdd\u55ae\u5e74\u5ea6\u5167\u7684\u640d\u5931\u7d93\u9a57\uff0c\u6216\u6307\u67d0\u4e00\u96aa\u7a2e\u5728\u4e00\u500b\u4fdd\u55ae\u5e74\u5ea6\u5167\u7684\u640d\u5931\u7d93\u9a57\u3002\u82e5\u6307\u4e00\u500b\u96aa\u7a2e\uff0c\u5247\u5176\u6db5\u84cb\u4e4b\u4fdd\u96aa\u55ae\u5305\u62ec\u81ea\u8a72\u5e74\u5ea6\u7684\u7b2c\u4e00\u65e5\u5230\u8a72\u5e74\u5ea6\u7684\u6700\u5f8c\u4e00\u5929\u70ba\u4fdd\u96aa\u55ae\u8d77\u4fdd\u65e5\u4e4b\u6240\u6709\u4fdd\u96aa\u55ae\u3002\u5c0d\u61c9\u6db5\u84cb\u4e4b\u640d\u5931\u5247\u4e0d\u8ad6\u51fa\u96aa\u65e5\u662f\u5426\u70ba\u4e0a\u8ff0\u4fdd\u96aa\u55ae\u6709\u6548\u671f\u9593\u6240\u767c\u751f\u7684\u6240\u6709\u640d\u5931\u3002<\/li>\n\n\n\n
  • \u904e\u5931\u63a8\u5b9a\u5236 \uff08Presumption Of Negligence\uff09
    \u7531\u65bc\u5728\u904e\u5931\u8cac\u4efb\u5236\u5ea6\u4e0b\uff0c\u53d7\u5bb3\u4eba\u7684\u6c42\u511f\u6b0a\u5229\u4fc2\u5efa\u7acb\u65bc\u9808\u8209\u8b49\u884c\u70ba\u4eba\u6709\u904e\u5931\u59cb\u6210\u7acb\uff0c\u4f46\u901a\u5e38\u53d7\u5bb3\u4eba\u5728\u4e8b\u5f8c\u8981\u8209\u8b49\u904e\u5931\u4e0d\u6613\uff0c\u70ba\u6c42\u88dc\u6551\u6b64\u7f3a\u5931\uff0c\u56e0\u800c\u7522\u751f\u904e\u5931\u63a8\u5b9a\u5236\u3002\u6b64\u5236\u5ea6\u4e4b\u4e0b\uff0c\u6cd5\u5f8b\u8a8d\u5b9a\u884c\u70ba\u4eba\u6709\u8db3\u4ee5\u4f7f\u904e\u5931\u4e0d\u767c\u751f\u7684\u8cac\u4efb\u3002\u9664\u975e\u884c\u70ba\u4eba\u80fd\u8209\u8b49\u672c\u8eab\u7121\u904e\u5931\uff0c\u6216\u640d\u5bb3\u4e4b\u767c\u751f\u662f\u7531\u65bc\u53d7\u5bb3\u4eba\u4e4b\u6545\u610f\u6216\u904e\u5931\uff0c\u6216\u5176\u4ed6\u4e0d\u53ef\u6297\u529b\u4e4b\u4e8b\u6545\u6240\u81f4\u3002<\/li>\n\n\n\n
  • \u640d\u5bb3\u88dc\u511f\u539f\u5247 \uff08Principle Of Indemnity\uff09
    \u4fc2\u4e00\u9805\u57fa\u672c\u4e4b\u4fdd\u96aa\u7406\u5ff5\uff0c\u4ee5\u88ab\u4fdd\u96aa\u4eba\u4e0d\u53ef\u5f9e\u640d\u5931\u4e2d\u7372\u5f97\u5229\u6f64\u4e4b\u5047\u8a2d\u70ba\u524d\u63d0\uff0c\u4fdd\u96aa\u4eba\u6240\u7406\u8ce0\u4e4b\u7bc4\u570d\u4ee5\u88ab\u4fdd\u96aa\u4eba\u5be6\u969b\u640d\u5931\u70ba\u9650\uff0c\u7406\u8ce0\u65b9\u5f0f\u5247\u4ee5\u4fc3\u4f7f\u88ab\u4fdd\u96aa\u4eba\u56de\u5fa9\u640d\u5931\u767c\u751f\u524d\u4e4b\u539f\u6709\u7d93\u6fdf\u72c0\u6cc1\u70ba\u539f\u5247\uff0c\u4ee5\u78ba\u4fdd\u7d93\u6fdf\u751f\u6d3b\u7684\u5b89\u5b9a\u3002<\/li>\n\n\n\n
  • \u53ef\u80fd\u6700\u5927\u640d\u5931 \uff08Probable Maximum Loss(PML)\uff09
    \u4fc2\u6307\u640d\u5931\u767c\u751f\u6642\uff0c\u5728\u9632\u707d\u63aa\u65bd\u53ef\u6b63\u5e38\u904b\u4f5c\u4e0b\u6240\u9810\u671f\u4e4b\u6700\u5927\u640d\u5931\u3002<\/li>\n\n\n\n
  • \u7522\u54c1\u8cac\u4efb\u4fdd\u96aa \uff08Product Liability Insurance\uff09
    \u4fc2\u6307\u627f\u4fdd\u7531\u88ab\u4fdd\u96aa\u4eba\u6240\u751f\u7522\u3001\u88fd\u9020\u3001\u88dd\u914d\u3001\u8655\u7406\u3001\u92b7\u552e\u3001\u4f9b\u61c9\u4e4b\u7522\u54c1\u7f3a\u9677\uff0c\u81f4\u4f7f\u7b2c\u4e09\u4eba\u9ad4\u50b7\u6216\u8ca1\u640d\uff0c\u4f9d\u6cd5\u61c9\u8ca0\u8ce0\u511f\u8cac\u4efb\u4e4b\u4fdd\u96aa\u3002\u88fd\u9020\u5546\u3001\u6279\u767c\u5546\u3001\u96f6\u552e\u5546\u5747\u5f97\u70ba\u7522\u54c1\u8cac\u4efb\u4fdd\u96aa\u4e4b\u88ab\u4fdd\u96aa\u4eba\u3002<\/li>\n\n\n\n
  • \u5c08\u9580\u8077\u696d\u8cac\u4efb\u4fdd\u96aa \uff08Professional Liability Insurance\uff09
    \u4fc2\u6307\u4ee5\u5c08\u9580\u8077\u696d\u8cac\u4efb\u70ba\u6a19\u7684\u4e4b\u4fdd\u96aa\u3002\u4ea6\u5373\u7531\u4fdd\u96aa\u4eba\u627f\u4fdd\u5c08\u9580\u8077\u696d\u8005\u65bc\u57f7\u884c\u8077\u52d9\u6642\uff0c\u56e0\u904e\u5931\u3001\u932f\u8aa4\u6216\u758f\u6f0f\u884c\u70ba\u800c\u9055\u53cd\u696d\u52d9\u4e0a\u61c9\u76e1\u8cac\u4efb\u53ca\u7fa9\u52d9\u81f4\u7b2c\u4e09\u4eba\u53d7\u6709\u640d\u5bb3\uff0c\u4f9d\u6cd5\u61c9\u8ca0\u8ce0\u511f\u8cac\u4efb\u4e4b\u4fdd\u96aa \u3002\u4f8b\u5982\uff1a\u91ab\u5e2b\u696d\u52d9\u8cac\u4efb\u4fdd\u96aa\u3001\u5f8b\u5e2b\u53ca\u6703\u8a08\u5e2b\u8cac\u4efb\u4fdd\u96aa\u3001\u5efa\u7bc9\u5e2b\u53ca\u5de5\u7a0b\u5e2b\u8cac\u4efb\u4fdd\u96aa\u3001\u4fdd\u96aa\u4ee3\u7406\u4eba\u7d93\u7d00\u4eba\u8cac\u4efb\u4fdd\u96aa\u7b49\u3002\u4e00\u822c\u5c1a\u53ef\u5206\u985e\u70ba\u57f7\u696d\u904e\u5931\u4fdd\u96aa\u53ca\u932f\u8aa4\u8207\u758f\u6f0f\u4fdd\u96aa\u3002<\/li>\n\n\n\n
  • \u5c0d\u50f9 \uff08Quid Pro Quo\uff09
    \u4fc2\u62c9\u4e01\u6587\uff0c\u5176\u610f\u6307\u4ee5\u50f9\u683c\u76f8\u7576\u4e4b\u7269\u63db\u7269\u3002\u4f8b\u5982\u4fdd\u96aa\u5951\u7d04\u4e2d\u4e4b\u5c0d\u50f9\uff0c\u5373\u70ba\u8981\u6c42\u96d9\u65b9\u7576\u4e8b\u4eba\u4ea4\u63db\u67d0\u4e9b\u6709\u50f9\u503c\u4e4b\u7269\uff0c\u4ee5\u4f7f\u8a72\u5951\u7d04\u6210\u70ba\u6709\u6548\u5951\u7d04\u3002<\/li>\n\n\n\n
  • \u6bd4\u7387\u5408\u7d04\u518d\u4fdd\u96aa \uff08Quota Share Reinsurance(Treaty)\uff09
    \u4fc2\u518d\u4fdd\u96aa\u5408\u7d04\u4e4b\u4e00\u7a2e\u578b\u614b\uff0c\u5c6c\u65bc\u6bd4\u4f8b\u6027\u518d\u4fdd\u96aa\u3002\u4fc2\u539f\u4fdd\u96aa\u4eba\u5c07\u6bcf\u4e00\u5371\u96aa\u55ae\u4f4d\u7684\u4fdd\u96aa\u91d1\u984d\uff0c\u6309\u4e8b\u5148\u7d04\u5b9a\u4e4b\u6bd4\u7387\u5206\u4e88\u518d\u4fdd\u96aa\u4eba\u70ba\u518d\u4fdd\u96aa\u7684\u65b9\u5f0f\u3002\u4ea6\u5373\u5206\u4fdd\u516c\u53f8\u8207\u518d\u4fdd\u96aa\u516c\u53f8\u4f9d\u518d\u4fdd\u96aa\u5408\u7d04\u7d04\u5b9a\u4e4b\u696d\u52d9\u7bc4\u7587\u8fa6\u7406\u518d\u4fdd\u96aa\u696d\u52d9\uff0c\u539f\u4fdd\u96aa\u4eba\u6709\u5206\u4fdd\u4e4b\u7fa9\u52d9\uff0c\u518d\u4fdd\u96aa\u4eba\u4ea6\u4e0d\u5f97\u62d2\u7d55\u3002\u7576\u767c\u751f\u5354\u8b70\u627f\u4fdd\u7bc4\u570d\u5167\u4e4b\u5168\u640d\u6216\u5206\u640d\u5371\u96aa\u4e8b\u6545\u6642\uff0c\u518d\u4fdd\u96aa\u4eba\u5247\u6309\u7d04\u5b9a\u6bd4\u7387\u8ca0\u64d4\u7406\u8ce0\u8cac\u4efb\u3002<\/li>\n\n\n\n
  • \u964d\u96e8\u4fdd\u96aa \uff08Rain Insurance\uff09
    \u4fc2\u6307\u4fdd\u96aa\u4eba\u627f\u4fdd\u88ab\u4fdd\u96aa\u4eba\u65bc\u8209\u8fa6\u5404\u7a2e\u6236\u5916\u6d3b\u52d5\u6642\uff0c\u56e0\u96e8\u3001\u96ea\u3001\u9730\u3001\u96f9\u6240\u81f4\u7684\u640d\u5931\u6216\u984d\u5916\u589e\u52a0\u8cbb\u7528\u4e4b\u4fdd\u96aa\u3002<\/li>\n\n\n\n
  • \u8cbb\u7387\u91d0\u5b9a \uff08Rate-making\uff09
    \u4fc2\u6307\u91d0\u5b9a\u4fdd\u96aa\u50f9\u683c\u4e4b\u6b65\u9a5f\u6216\u7a0b\u5e8f\u3002\u8cbb\u7387\u91d0\u5b9a\u9808\u7b26\u5408\u5145\u5206\u3001\u9069\u7576\u3001\u516c\u5e73\u7b49\u4e09\u539f\u5247\u3002\u4e3b\u8981\u662f\u91dd\u5c0d\u5404\u96aa\u7a2e\u4e4b\u5404\u7d1a\u5371\u96aa\u7d44\u7fa4\uff0c\u6536\u96c6\u76f8\u95dc\u7d71\u8a08\u8cc7\u6599\uff0c\u8a08\u7b97\u5176\u9810\u671f\u640d\u5931\u4e26\u4f9d\u5c07\u4f86\u4e4b\u901a\u8ca8\u81a8\u8139\u7387\u53ca\u5176\u4ed6\u76f8\u95dc\u56e0\u7d20\uff0c\u8a08\u7b97\u51fa\u5371\u96aa\u4fdd\u8cbb\u518d\u52a0\u4e0a\u9644\u52a0\u8cbb\u7528\u5f8c\uff0c\u6c7a\u5b9a\u5404\u985e\u5371\u96aa\u4e4b\u55ae\u4f4d\u50f9\u683c\u3002<\/li>\n\n\n\n
  • \u4e0d\u52d5\u7522 \uff08Real Property\uff09
    \u4ee5\u5546\u696d\u706b\u707d\u4fdd\u96aa\u800c\u8a00\uff0c\u4fc2\u6307\u5efa\u7bc9\u7269\u53ca\u71df\u696d\u88dd\u4fee\uff0c\u4f46\u4e0d\u5305\u62ec\u571f\u5730\u3002(\u4e00)\u5efa\u7bc9\u7269\uff1a\u6307\u5b9a\u8457\u65bc\u571f\u5730\uff0c\u4f9b\u88ab\u4fdd\u96aa\u4eba\u7d93\u71df\u696d\u52d9\u6216\u5f9e\u4e8b\u751f\u7522\u4e4b\u5efa\u7bc9\u7269\u53ca\u516c\u5171\u8a2d\u65bd\u4e4b\u6301\u5206\u3002\u70ba\u4f7f\u5efa\u7bc9\u7269\u9069\u5408\u65bc\u696d\u52d9\u4e0a\u4e4b\u4f7f\u7528\u800c\u88dd\u7f6e\u4e26\u9644\u8457\u65bc\u5efa\u7bc9\u7269\u4e4b\u4e2d\u592e\u51b7\u6696\u6c23\u7cfb\u7d71\u3001\u96fb\u68af\u6216\u96fb\u6276\u68af\u53ca\u6c34\u96fb\u885b\u751f\u8a2d\u5099\u8996\u70ba\u5efa\u7bc9\u7269\u4e4b\u4e00\u90e8\u5206\u3002(\u4e8c)\u71df\u696d\u88dd\u4fee\uff1a\u6307\u70ba\u696d\u52d9\u9700\u8981\uff0c\u800c\u56fa\u5b9a\u6216\u9644\u8457\u65bc\u5efa\u7bc9\u7269\u5167\u5916\u4e4b\u88dd\u6f62\u4fee\u98fe\u3002<\/li>\n\n\n\n
  • \u5fa9\u6548,\u5fa9\u539f \uff08Reinstatement\uff09
    1.\u5fa9\u6548:\u4fc2\u6307\u7576\u4fdd\u96aa\u4eba\u65bc\u8ce0\u4ed8\u4fdd\u96aa\u6a19\u7684\u90e8\u4efd\u640d\u5931\u4e4b\u5f8c\uff0c\u4f7f\u5f97\u4fdd\u96aa\u91d1\u984d\u56e0\u800c\u6e1b\u5c11\uff0c\u88ab\u4fdd\u96aa\u4eba\u5f97\u4f9d\u5951\u7d04\u7d04\u5b9a\u65bc\u52a0\u7e73\u4fdd\u96aa\u8cbb\u5f8c\uff0c\u5c07\u4fdd\u96aa\u91d1\u984d\u5fa9\u539f\u4e4b\u884c\u70ba\u30022.\u5fa9\u539f:\u4fc2\u6307\u4fdd\u96aa\u6a19\u7684\u767c\u751f\u6bc0\u640d\u6ec5\u5931\u5f8c\uff0c\u4fdd\u96aa\u4eba\u5f97\u4f9d\u5951\u7d04\u7d04\u5b9a\u6216\u6cd5\u5f8b\u898f\u5b9a\uff0c\u4f7f\u4fdd\u96aa\u6a19\u7684\u56de\u8986\u539f\u72c0\uff0c\u6216\u4ee5\u5be6\u7269\u8ce0\u511f\u800c\u975e\u4ee5\u91d1\u9322\u7d66\u4ed8\u7684\u88dc\u511f\u65b9\u5f0f\u3002<\/li>\n\n\n\n
  • \u518d\u4fdd\u96aa \uff08Reinsurance\uff09
    \u4fc2\u6307\u4fdd\u96aa\u4eba\u4ee5\u5176\u6240\u627f\u4fdd\u4e4b\u5371\u96aa\u4e4b\u4e00\u90e8\u6216\u5168\u90e8\uff0c\u8f49\u5411\u4ed6\u4fdd\u96aa\u4eba\u70ba\u4fdd\u96aa\u4e4b\u884c\u70ba\u3002\u4f8b\u5982\u5927\u90e8\u4efd\u5206\u4fdd\u516c\u53f8\u5c0d\u65bc\u5404\u96aa\u7a2e\u4fdd\u984d\u6240\u80fd\u627f\u53d7\u7684\u5371\u96aa\u8a2d\u5b9a\u9650\u984d\uff0c\u7576\u4fdd\u96aa\u91d1\u984d\u5927\u65bc\u8a72\u516c\u53f8\u627f\u53d7\u4fdd\u984d\u4e4b\u4e0a\u9650\u6642\uff0c\u8d85\u904e\u9650\u984d\u90e8\u4efd\u7684\u4fdd\u96aa\u91d1\u984d\u5373\u5206\u4fdd\u7d66\u518d\u4fdd\u96aa\u516c\u53f8\uff0c\u7531\u518d\u4fdd\u96aa\u516c\u53f8\u627f\u64d4\u4fdd\u96aa\u8cac\u4efb\u3002<\/li>\n\n\n\n
  • \u91cd\u7f6e\u6210\u672c \uff08Replacement Cost\uff09
    \u4fc2\u6307\u65bc\u4fdd\u96aa\u6a19\u7684\u7269\u767c\u751f\u6bc0\u640d\u6ec5\u5931\u6642\uff0c\u91cd\u65b0\u8cfc\u7f6e\u76f8\u540c\u6216\u985e\u4f3c\u4e4b\u8ca1\u7269\u6240\u9700\u8981\u82b1\u8cbb\u4e14\u4e0d\u8a08\u6298\u820a\u4e4b\u6210\u672c\u3002\u4ee5\u706b\u707d\u4fdd\u96aa\u70ba\u4f8b\uff0c\u5373\u6307\u4fdd\u96aa\u6a19\u7684\u7269\u4ee5\u540c\u54c1\u8cea\u6216\u985e\u4f3c\u54c1\u8cea\u4e4b\u7269\uff0c\u4f9d\u539f\u8a2d\u8a08\u3001\u539f\u898f\u683c\u5728\u7576\u6642\u7576\u5730\u91cd\u5efa\u6216\u91cd\u7f6e\u6240\u9700\u6210\u672c\u4e4b\u91d1\u984d\uff0c\u4e0d\u6263\u9664\u6298\u820a\u3002<\/li>\n\n\n\n
  • \u544a\u77e5 \uff08Representations\uff09
    \u4fc2\u6307\u5728\u4fdd\u96aa\u5951\u7d04\u8a02\u7acb\u6642\uff0c\u8981\u4fdd\u4eba\u61c9\u5c0d\u65bc\u8981\u4fdd\u66f8\u4e0a\u6709\u95dc\u4fdd\u96aa\u6a19\u7684\u4e4b\u91cd\u8981\u4e8b\u5be6\u9032\u884c\u9673\u8ff0\uff0c\u5176\u5167\u5bb9\u9808\u4f9d\u8981\u4fdd\u4eba\u4e4b\u5b78\u8b58\u53ca\u60f3\u6cd5\u505a\u6700\u771f\u5be6\u4e4b\u9673\u8ff0\u3002\u4f9d\u6211\u570b\u73fe\u884c\u4fdd\u96aa\u6cd5\u7b2c64\u689d\u898f\u5b9a\uff0c\u65bc\u8a02\u7acb\u5951\u7d04\u6642\uff0c\u8981\u4fdd\u4eba\u5c0d\u65bc\u4fdd\u96aa\u4eba\u4e4b\u66f8\u9762\u8a62\u554f\uff0c\u61c9\u64da\u5be6\u8aaa\u660e\u3002\u8981\u4fdd\u4eba\u82e5\u6709\u6545\u610f\u96b1\u533f\u3001\u904e\u5931\u907a\u6f0f\u6216\u4e0d\u5be6\u4e4b\u8aaa\u660e\uff0c\u8db3\u4ee5\u8b8a\u66f4\u6216\u6e1b\u5c11\u4fdd\u96aa\u4eba\u5c0d\u65bc\u5371\u96aa\u4e4b\u4f30\u8a08\u8005\uff0c\u4fdd\u96aa\u4eba\u5f97\u89e3\u9664\u5951\u7d04\uff1b\u5176\u5371\u96aa\u767c\u751f\u5f8c\u4ea6\u540c\u3002\u4f46\u8981\u4fdd\u4eba\u8b49\u660e\u5371\u96aa\u4e4b\u767c\u751f\u672a\u57fa\u65bc\u5176\u8aaa\u660e\u6216\u672a\u8aaa\u660e\u4e4b\u4e8b\u5be6\u6642\uff0c\u4e0d\u5728\u6b64\u9650\u3002<\/li>\n\n\n\n
  • \u8ffd\u6eaf\u6027\u7d2f\u7a4d\u5951\u7d04 \uff08Retrospective Aggregate Contract\uff09
    \u4fc2\u6307\u4fdd\u96aa\u4eba\u63a5\u53d7\u6b64\u4fdd\u96aa\u5951\u7d04\u6642\uff0c\u5371\u96aa\u4e8b\u6545\u5df2\u767c\u751f\u7684\u4e00\u7a2e\u6709\u9650\u5371\u96aa\u5951\u7d04\u3002\u6b64\u4fdd\u96aa\u5951\u7d04\u4e4b\u4fdd\u96aa\u8cac\u4efb\u7684\u958b\u59cb\u6642\u9593\u8207\u5951\u7d04\u7684\u6210\u7acb\u6642\u9593\u5169\u8005\u4e0d\u4e00\u81f4\uff0c\u4ea6\u5373\u4fdd\u96aa\u8cac\u4efb\u7684\u958b\u59cb\u6642\u9593\u6eaf\u53ca\u65bc\u5951\u7d04\u6210\u7acb\u524d\u3002\u4e3b\u8981\u4fc2\u627f\u4fdd\u5df2\u767c\u751f\u5371\u96aa\u4e8b\u6545\u7684\u640d\u5931\u5e45\u5ea6\u9ad8\u65bc\u9810\u671f\u7684\u6578\u984d\u6216\u662f\u7406\u8ce0\u91d1\u984d\u7684\u652f\u4ed8\u901f\u5ea6\u9ad8\u65bc\u9810\u5b9a\u6642\u7a0b\uff0c\u7531\u4fdd\u96aa\u4eba\u4e88\u4ee5\u88dc\u511f\u7684\u4e00\u7a2e\u6a5f\u5236\u3002<\/li>\n\n\n\n
  • \u8ffd\u6eaf\u8cbb\u7387\u6cd5 \uff08Retrospective Rating\uff09
    \u4fc2\u6307\u4f9d\u88ab\u4fdd\u96aa\u4eba\u65bc\u4fdd\u96aa\u671f\u9593\u5167\u4e4b\u5be6\u969b\u640d\u5931\u7d93\u9a57\u52a0\u4ee5\u8abf\u6574\u5f8c\uff0c\u518d\u8a08\u7b97\u5176\u4fdd\u96aa\u8cbb\u7387\u4e4b\u65b9\u6cd5\uff0c\u70ba\u589e\u6e1b\u8cbb\u7387\u6cd5\u4e4b\u4e00\u7a2e\u3002\u4f8b\u5982\u88ab\u4fdd\u96aa\u4eba\u65bc\u671f\u521d\u8cfc\u8cb7\u4fdd\u96aa\u6642\uff0c\u5148\u7e73\u4e00\u9810\u5b9a\u4fdd\u8cbb\uff0c\u7576\u5e74\u5ea6\u7d50\u675f\u518d\u4ee5\u7576\u5e74\u4e4b\u5be6\u969b\u640d\u5931\u7d93\u9a57\u591a\u9000\u5c11\u88dc\u4fdd\u96aa\u8cbb\u7684\u5dee\u984d\uff0c\u4f46\u6b64\u8ffd\u6eaf\u4fdd\u96aa\u8cbb\uff0c\u9808\u53d7\u9650\u65bc\u6700\u9ad8\u984d\u8207\u6700\u4f4e\u984d\u4e4b\u9650\u5236\u3002<\/li>\n\n\n\n
  • \u98a8\u96aa\u57fa\u790e\u8cc7\u672c \uff08Risk Based Capital (RBC)\uff09
    \u4fc2\u6307\u4fdd\u96aa\u696d\u70ba\u7b26\u5408\u8cc7\u672c\u9069\u8db3\u7387\u6240\u9700\u7684\u8cc7\u672c\u984d\uff0c\u4e43\u4fdd\u96aa\u76e3\u7406\u6a5f\u95dc\u6aa2\u8996\u4fdd\u96aa\u696d\u4e4b\u8cc7\u672c\u662f\u5426\u8db3\u4ee5\u627f\u64d4\u5176\u6240\u627f\u63a5\u5371\u96aa\u7684\u6307\u6a19\u3002\u6b64\u6cd5\u4fc2\u7531\u7f8e\u570b\u4fdd\u96aa\u76e3\u7406\u6a5f\u95dc\u6240\u7814\u767c\uff0c\u5176\u505a\u6cd5\u4fc2\u5c07\u4fdd\u96aa\u516c\u53f8\u7d93\u71df\u4e0a\u6240\u9762\u81e8\u7684\u76f8\u95dc\u98a8\u96aa\u6b78\u7d0d\u51fa\u4e3b\u8981\u5206\u985e(\u8cc7\u7522\u3001\u4fdd\u96aa\u3001\u5229\u7387\u3001\u696d\u52d9)\u4e26\u4e88\u4ee5\u91cf\u5316\u6210\u98a8\u96aa\u4fc2\u6578\uff0c\u518d\u8a08\u7b97\u51fa\u7e3d\u98a8\u96aa\u57fa\u790e\u8cc7\u672c\u984d\u3002 \u53e6\u4e00\u65b9\u9762\uff0c\u5c07\u4fdd\u96aa\u516c\u53f8\u7684\u8cc7\u7522\u3001\u8ca0\u50b5\u53ca\u5176\u4ed6\u6703\u8a08\u6578\u64da\u8a08\u7b97\u51fa\u8a72\u516c\u53f8\u8abf\u6574\u5f8c\u8cc7\u672c\u984d\uff0c\u4ee3\u8868\u5176\u6e05\u511f\u80fd\u529b\u3002\u5c07\u516c\u53f8\u8abf\u6574\u5f8c\u8cc7\u672c\u984d\u9664\u4ee5\u7e3d\u98a8\u96aa\u57fa\u790e\u8cc7\u672c\u984d\uff0c\u5373\u53ef\u8a08\u7b97\u51fa\u98a8\u96aa\u8cc7\u672c\u984d\u6bd4\u7387\u3002\u76e3\u7406\u6a5f\u95dc\u5247\u4f9d\u64da\u98a8\u96aa\u8cc7\u672c\u984d\u6bd4\u7387\u6240\u5c6c\u7684\u7b49\u7d1a\uff0c\u9032\u884c\u4e0d\u540c\u7684\u76e3\u7406\u884c\u52d5\u3002<\/li>\n\n\n\n
  • \u55ae\u65b9\u5229\u76ca\u4fdd\u96aa \uff08Single Interest Insurance\uff09
    \u4fc2\u6307\u5728\u67d0\u4e9b\u8ca1\u7522\u4fdd\u96aa\u4e0a\uff0c\u50c5\u4fdd\u969c\u5c0d\u88ab\u4fdd\u96aa\u6a19\u7684\u7269\u6709\u4fdd\u96aa\u5229\u76ca\u4e4b\u5176\u4e2d\u4e00\u65b9\u7684\u4fdd\u96aa\uff0c\u4f8b\u5982\uff1a\u50c5\u4fdd\u969c\u623f\u5c4b\u8cb8\u6b3e\u627f\u53d7\u62b5\u62bc\u6b0a\u4eba\u800c\u4e0d\u4fdd\u969c\u62b5\u62bc\u4eba\uff0c\u6216\u50c5\u4fdd\u969c\u8ce3\u65b9\u800c\u4e0d\u4fdd\u969c\u8cb7\u65b9\u3002<\/li>\n\n\n\n
  • \u6295\u6a5f\u6027\u98a8\u96aa \uff08Speculative Risk\uff09
    \u4fc2\u6307\u65e2\u6709\u640d\u5931\u6a5f\u6703\u4ea6\u6709\u7372\u5229\u6a5f\u6703\u4e4b\u5371\u96aa\u3002\u4f8b\u5982\u6295\u8cc7\u80a1\u7968\u5373\u53ef\u80fd\u5177\u5099\u8ca1\u52d9\u4e0a\u4e4b\u7372\u5229\u6216\u662f\u8667\u640d\u4e4b\u4e0d\u78ba\u5b9a\u6027\u3002\u6295\u6a5f\u6027\u98a8\u96aa\u4e00\u822c\u88ab\u8a8d\u70ba\u4fc2\u4e0d\u53ef\u4fdd\u4e4b\u98a8\u96aa\u3002<\/li>\n\n\n\n
  • \u975c\u614b\u98a8\u96aa \uff08Static Risk\uff09
    \u4fc2\u6307\u56e0\u81ea\u7136\u529b\u91cf\u7684\u4e0d\u898f\u5247\u8b8a\u52d5\u6240\u9020\u6210\uff0c\u5982\u5730\u9707\u3001\u98b1\u98a8\u3001\u706b\u707d\u4e4b\u98a8\u96aa\uff1b\u6216\u662f\u7531\u65bc\u4eba\u985e\u884c\u70ba\u4e4b\u932f\u8aa4\u6216\u5931\u7576\u6240\u5f15\u8d77\uff0c\u5982\u7aca\u76dc\u3001\u8eca\u798d\u3001\u91ab\u7642\u4e8b\u6545\u7b49\u4e4b\u98a8\u96aa\u3002\u4ea6\u5373\u5728\u793e\u6703\u7d93\u6fdf\u7d50\u69cb\u4e0d\u8b8a\u7684\u689d\u4ef6\u4e0b\u6240\u767c\u751f\u4e4b\u98a8\u96aa\uff0c\u5176\u5b58\u5728\u8207\u5426\u8207\u4eba\u985e\u793e\u6703\u4e4b\u8b8a\u5316\u7121\u95dc\uff0c\u4f46\u5176\u7d50\u679c\u5247\u70ba\u793e\u6703\u4e4b\u7d14\u640d\u5931\uff0c\u4e14\u5176\u767c\u751f\u983b\u7387\u5728\u4e00\u5b9a\u671f\u9593\u5167\u8f03\u5177\u898f\u5247\u6027\uff0c\u8f03\u80fd\u9069\u7528\u5927\u6578\u6cd5\u5247\u52a0\u4ee5\u9810\u6e2c\u3002<\/li>\n\n\n\n
  • \u56b4\u683c\u8cac\u4efb \uff08Strict Liability\uff09
    \u4fc2\u6307\u69cb\u6210\u4fb5\u6b0a\u884c\u70ba\u4e0d\u4ee5\u6709\u6545\u610f\u904e\u5931\u70ba\u5fc5\u8981\u3002\u4fb5\u6b0a\u884c\u70ba\u4e4b\u69cb\u6210\u689d\u4ef6\u9808\u4f9d\u6cd5\u5f8b\u898f\u5b9a\u3002\u5728\u56b4\u683c\u8cac\u4efb\uff0c\u884c\u70ba\u4eba\u6240\u8ca0\u4e4b\u8cac\u4efb\u8207\u7d55\u5c0d\u8cac\u4efb\u76f8\u540c\uff0c\u4f46\u884c\u70ba\u4eba\u82e5\u80fd\u8b49\u660e\u53d7\u5bb3\u4eba\u6240\u906d\u53d7\u4e4b\u640d\u5bb3\u975e\u51fa\u65bc\u5176\u904e\u5931\uff0c\u5247\u53ef\u514d\u8cac\u3002\u4f8b\u5982\uff1a\u52de\u5de5\u5728\u50f1\u4f63\u95dc\u4fc2\u5b58\u7e8c\u671f\u9593\u65bc\u5de5\u4f5c\u5834\u6240\u53d7\u50b7\uff0c\u4e0d\u8ad6\u539f\u56e0\u70ba\u4f55\uff0c\u96c7\u4e3b\u8ca0\u6709\u8ce0\u511f\u8cac\u4efb\u3002\u4f46\u906d\u53d7\u50b7\u5bb3\u4e4b\u52de\u5de5\u9808\u63d0\u51fa\u8209\u8b49\u6307\u51fa\u4fb5\u6b0a\u884c\u70ba\u4e4b\u5b58\u5728\u65b9\u80fd\u4e3b\u5f35\u5176\u6c42\u511f\u4e4b\u6b0a\u5229\u3002\u800c\u96c7\u4e3b\u82e5\u80fd\u8b49\u660e\u8a72\u52de\u5de5\u6240\u906d\u53d7\u4e4b\u50b7\u5bb3\u975e\u51fa\u65bc\u5176\u904e\u5931\uff0c\u5247\u53ef\u514d\u8cac\u3002<\/li>\n\n\n\n
  • \u4fdd\u96aa\u4ee3\u4f4d \uff08Subrogation\uff09
    \u4ee3\u4f4d\u6b0a\u53ef\u5206\u70ba\u6b0a\u5229\u4ee3\u4f4d\u53ca\u7269\u4e0a\u4ee3\u4f4d\u5169\u7a2e\u3002\u4fdd\u96aa\u4eba\u4e4b\u4ee3\u4f4d\u6b0a\u4e3b\u8981\u4fc2\u56e0\u4fdd\u96aa\u6cd5\u7b2c53\u689d\u7b2c1\u9805\u300c\u88ab\u4fdd\u96aa\u4eba\u56e0\u4fdd\u96aa\u4eba\u61c9\u8ca0\u4fdd\u96aa\u8cac\u4efb\u4e4b\u640d\u5931\u767c\u751f\uff0c\u800c\u5c0d\u65bc\u7b2c\u4e09\u4eba\u6709\u640d\u5931\u8ce0\u511f\u8acb\u6c42\u6b0a\u8005\uff0c\u4fdd\u96aa\u4eba\u5f97\u65bc\u7d66\u4ed8\u8ce0\u511f\u91d1\u984d\u5f8c\uff0c\u4ee3\u4f4d\u884c\u4f7f\u88ab\u4fdd\u96aa\u4eba\u5c0d\u65bc\u7b2c\u4e09\u4eba\u4e4b\u8acb\u6c42\u6b0a\u300d\u4e4b\u898f\u5b9a\u800c\u6210\u7acb\uff0c\u7a31\u70ba\u6b0a\u5229\u4ee3\u4f4d\u6216\u4ee3\u4f4d\u6c42\u511f\u3002\u4f5c\u7528\u5728\u65bc\u907f\u514d\u88ab\u4fdd\u96aa\u4eba\u56e0\u4fdd\u96aa\u4e8b\u6545\u767c\u751f\u7372\u5f97\u4fdd\u96aa\u4eba\u53ca\u7b2c\u4e09\u4eba\u4e4b\u8ce0\u511f\u800c\u96d9\u91cd\u7372\u5229\u3002\u800c\u7576\u4fdd\u96aa\u4eba\u65bc\u7d66\u4ed8\u4fdd\u96aa\u91d1\u5f8c\uff0c\u5c1a\u53ef\u53d6\u5f97\u6240\u6709\u6709\u95dc\u4fdd\u96aa\u6a19\u7684\u7269\u4e4b\u6b0a\u5229\u8005\uff0c\u5247\u7a31\u70ba\u7269\u4e0a\u4ee3\u4f4d\u3002\u5982\u6c11\u6cd5\u7b2c218\u689d\u7b2c1\u9805\u898f\u5b9a\u300c\u95dc\u65bc\u7269\u6216\u6b0a\u5229\u4e4b\u55aa\u5931\u6216\u640d\u5bb3\uff0c\u8ca0\u8ce0\u511f\u8cac\u4efb\u4e4b\u4eba\uff0c\u5f97\u5411\u640d\u5bb3\u8ce0\u511f\u8acb\u6c42\u6b0a\u4eba\uff0c\u8acb\u6c42\u8b93\u8207\u57fa\u65bc\u5176\u7269\u4e4b\u6240\u6709\u6b0a\u6216\u57fa\u65bc\u5176\u6b0a\u5229\u5c0d\u65bc\u7b2c\u4e09\u4eba\u4e4b\u8acb\u6c42\u6b0a\u300d\u3002\u4fdd\u96aa\u4ee3\u4f4d\u53ea\u9069\u7528\u65bc\u8ca1\u7522\u4fdd\u96aa\u3001\u5be6\u652f\u5be6\u4ed8\u578b\u4e4b\u5065\u5eb7\u4fdd\u96aa\u53ca\u50b7\u5bb3\u4fdd\u96aa\uff0c\u5728\u4eba\u58fd\u4fdd\u96aa\u4e26\u4e0d\u9069\u7528\u3002<\/li>\n\n\n\n
  • \u5c65\u7d04\u4fdd\u8b49 \uff08Surety Bond\uff09
    \u4ea6\u7a31\u78ba\u5be6\u4fdd\u8b49\u6216\u78ba\u5be6\u4fdd\u8b49\u4fdd\u96aa\u3002\u4fc2\u6307\u4fdd\u96aa\u4eba\u627f\u4fdd\u56e0\u70ba\u88ab\u4fdd\u8b49\u4eba(Principal)\u4e0d\u5c65\u884c\u5951\u7d04\u6240\u898f\u5b9a\u4e4b\u7fa9\u52d9\u6642\uff0c\u9020\u6210\u6b0a\u5229\u4eba(Obligee)\u906d\u53d7\u5230\u640d\u5931\u4e4b\u4fdd\u96aa\uff0c\u4f8b\u5982\uff1a\u6295\u6a19\u4fdd\u8b49\u4fdd\u96aa\u3001\u5c65\u7d04\u4fdd\u8b49\u4fdd\u96aa\u3001\u71df\u5efa\u5de5\u7a0b\u5951\u7d04\u4fdd\u8b49\u4fdd\u96aa\u3002<\/li>\n\n\n\n
  • \u6ea2\u984d\u518d\u4fdd\u96aa \uff08Surplus Reinsurance\uff09
    \u4fc2\u6307\u539f\u4fdd\u96aa\u4eba\u5c07\u6240\u627f\u63a5\u696d\u52d9\u4e4b\u4fdd\u96aa\u91d1\u984d\u65bc\u8d85\u904e\u81ea\u7559\u984d(Retention)\u4e4b\u90e8\u4efd\uff0c\u4f9d\u7167\u518d\u4fdd\u5408\u7d04\u7d04\u5b9a\u4e4b\u7dda\u6578(Line)\u5206\u4e88\u518d\u4fdd\u96aa\u4eba\u4e4b\u518d\u4fdd\u96aa\u3002\u6b64\u518d\u4fdd\u96aa\u4e4b\u518d\u4fdd\u96aa\u4eba\u8cac\u4efb\u4fc2\u4ee5\u7dda\u6578\u70ba\u57fa\u790e\uff0c\u4ee5\u81ea\u7559\u984d\u70ba\u4e00\u7dda\uff0c\u518d\u4fdd\u96aa\u4eba\u4e4b\u8cac\u4efb\u5247\u70ba\u81ea\u7559\u984d\u7684\u67d0\u4e00\u500d\u6578\u3002\u7576\u627f\u4fdd\u7684\u5371\u96aa\u4e8b\u6545\u767c\u751f\u6642\uff0c\u518d\u4fdd\u96aa\u4eba\u5247\u4f9d\u627f\u4fdd\u7dda\u6578\u4e4b\u6bd4\u4f8b\u8ca0\u64d4\u7406\u8ce0\u91d1\u984d\uff0c\u5c6c\u65bc\u4e00\u7a2e\u6bd4\u4f8b\u578b\u614b\u7684\u518d\u4fdd\u96aa\u3002<\/li>\n\n\n\n
  • \u516c\u8b49\u4eba \uff08Surveyor\uff09
    \u4fc2\u6307\u65bc\u4fdd\u96aa\u4e8b\u6545\u767c\u751f\u5f8c\uff0c\u70ba\u4fdd\u96aa\u4eba\u6216\u88ab\u4fdd\u96aa\u4eba\u8fa6\u7406\u5c0d\u53d7\u640d\u4fdd\u96aa\u6a19\u7684\u7269\u4e4b\u640d\u5931\u91d1\u984d\u6216\u6578\u91cf\uff0c\u9032\u884c\u67e5\u52d8\u3001\u9451\u5b9a\u3001\u4f30\u50f9\u4e26\u4e88\u4ee5\u8b49\u660e\u4e4b\u4eba\u3002<\/li>\n\n\n\n
  • \u8ce0\u6b3e\u5206\u6524\u539f\u5247 \uff08The Principle Of Contribution\uff09
    \u7576\u540c\u4e00\u4fdd\u96aa\u6a19\u7684\u3001\u540c\u4e00\u88ab\u4fdd\u96aa\u4eba\u3001\u540c\u4e00\u4fdd\u96aa\u5229\u76ca\uff0c\u5982\u7d93\u5169\u500b\u4ee5\u4e0a\u4fdd\u96aa\u4eba\uff0c\u6216\u70ba\u5169\u500b\u4ee5\u4e0a\u4fdd\u96aa\u5951\u7d04\u627f\u4fdd\u6642\uff0c\u5247\u5176\u640d\u5931\u61c9\u7531\u6709\u95dc\u7684\u4fdd\u96aa\u4eba\u6216\u4fdd\u96aa\u5951\u7d04\uff0c\u6309\u5176\u627f\u4fdd\u8cac\u4efb\u6bd4\u4f8b\u5171\u540c\u5206\u64d4\uff0c\u4ee5\u907f\u514d\u88ab\u4fdd\u96aa\u4eba\u56e0\u6b64\u7372\u5f97\u91cd\u8907\u4e4b\u88dc\u511f\u9020\u6210\u4e0d\u7576\u5f97\u5229\uff0c\u6709\u9055\u300c\u640d\u5bb3\u88dc\u511f\u539f\u5247\u300d\u4e4b\u7cbe\u795e\u3002<\/li>\n\n\n\n
  • \u4fdd\u96aa\u5229\u76ca\u539f\u5247 \uff08The Principle Of Insurable Interest\uff09
    \u4fc2\u6307\u4fdd\u96aa\u5951\u7d04\u8981\u6c42\uff0c\u8981\u4fdd\u4eba\u6216\u88ab\u4fdd\u96aa\u4eba\u65bc\u5951\u7d04\u8a02\u7acb\u6642\u6216\u8a02\u7acb\u5f8c\uff0c\u5c0d\u65bc\u4fdd\u96aa\u6a19\u7684\u9808\u5177\u6709\u4fdd\u96aa\u5229\u76ca\uff0c\u8a72\u5951\u7d04\u59cb\u751f\u6548\u529b\u6216\u59cb\u5f97\u65bc\u640d\u5931\u767c\u751f\u6642\u7372\u5f97\u4fdd\u96aa\u4eba\u4e4b\u8ce0\u511f\u3002<\/li>\n\n\n\n
  • \u4ee3\u4f4d\u6c42\u511f\u539f\u5247 \uff08The Principle Of Subrogation\uff09
    \u4fc2\u6307\u4fdd\u96aa\u4eba\u4f9d\u4fdd\u96aa\u5951\u7d04\u4e4b\u7d04\u5b9a\u65bc\u8ce0\u511f\u88ab\u4fdd\u96aa\u4eba\u640d\u5931\u5f8c\uff0c\u5f97\u5c45\u65bc\u88ab\u4fdd\u96aa\u4eba\u4e4b\u5730\u4f4d\u5411\u9020\u6210\u640d\u5931\u4e4b\u7b2c\u4e09\u4eba\u4f9d\u6cd5\u8acb\u6c42\u640d\u5bb3\u8ce0\u511f\uff0c\u6b64\u7a2e\u6cd5\u5f8b\u6b0a\u5229\u7a31\u70ba\u4ee3\u4f4d\u6c42\u511f\u6b0a\uff0c\u4fdd\u96aa\u5951\u7d04\u5c0d\u65bc\u6b64\u7a2e\u6b0a\u5229\u4e4b\u61c9\u7528\u539f\u5247\u5373\u7a31\u70ba\u4ee3\u4f4d\u6c42\u511f\u539f\u5247\u3002<\/li>\n\n\n\n
  • \u6700\u5927\u8aa0\u4fe1\u539f\u5247 \uff08The Principle Of Utmost Good Faith\uff09
    \u4fc2\u6307\u96d9\u65b9\u7576\u4e8b\u4eba\u65bc\u7c3d\u8a02\u4fdd\u96aa\u5951\u7d04\u6642\uff0c\u4ee5\u53ca\u4fdd\u96aa\u5951\u7d04\u6709\u6548\u671f\u9593\uff0c\u61c9\u672c\u65bc\u6700\u5927\u8aa0\u4fe1\u4e4b\u539f\u5247\u3002\u51e1\u8207\u4fdd\u96aa\u5951\u7d04\u4e4b\u8a02\u7acb\u6240\u6709\u6709\u95dc\u4e4b\u4e00\u5207\u91cd\u8981\u4e8b\u9805\uff0c\u70ba\u5176\u6240\u77e5\u6216\u61c9\u77e5\u6216\u7121\u6cd5\u8ac9\u70ba\u4e0d\u77e5\u8005\uff0c\u4e0d\u7ba1\u5c0d\u65b9\u662f\u5426\u6709\u7121\u8a62\u554f\u5747\u61c9\u4e3b\u52d5\u64da\u5be6\u544a\u77e5\uff0c\u4e0d\u5f97\u6709\u6240\u96b1\u779e\u3001\u865b\u5831\u6216\u6f0f\u5831\u3002<\/li>\n\n\n\n
  • \u7b2c\u4e09\u4eba\u8cac\u4efb\u4fdd\u96aa \uff08Third Party Liability Insurance\uff09
    \u53c8\u7a31\u8cac\u4efb\u4fdd\u96aa\u3002\u4fc2\u6307\u88ab\u4fdd\u96aa\u4eba\u70ba\u514d\u9664\u56e0\u5176\u884c\u70ba\u6240\u81f4\u7b2c\u4e09\u4eba\u9ad4\u50b7\u3001\u6b7b\u4ea1\u6216\u8ca1\u52d9\u640d\u5931\u4e4b\u8cac\u4efb\u800c\u8a02\u7acb\u7684\u4fdd\u96aa\u5951\u7d04\u3002\u7576\u88ab\u4fdd\u96aa\u4eba\u4f9d\u6cd5\u5c0d\u7b2c\u4e09\u4eba\u61c9\u8ca0\u640d\u5bb3\u8ce0\u511f\u8cac\u4efb\uff0c\u800c\u53d7\u8ce0\u511f\u8acb\u6c42\u6642\uff0c\u5247\u7531\u4fdd\u96aa\u4eba\u8ca0\u8ce0\u511f\u8cac\u4efb\u3002<\/li>\n\n\n\n
  • \u5408\u7d04\u518d\u4fdd\u96aa \uff08Treaty Reinsurance\uff09
    \u4fc2\u6307\u6839\u64da\u4e8b\u5148\u6240\u7c3d\u8a02\u4e4b\u518d\u4fdd\u96aa\u5408\u7d04\uff0c\u7531\u518d\u4fdd\u96aa\u4eba\u5c0d\u65bc\u5404\u7a2e\u6307\u5b9a\u5371\u96aa\u55ae\u4f4d\u8a8d\u4f54\u4e00\u5b9a\u6bd4\u4f8b\u4e4b\u6210\u5206\uff0c\u5206\u4fdd\u4eba\u53ef\u96a8\u6642\u5c07\u8d85\u904e\u5176\u81ea\u7559\u984d\u4e4b\u696d\u52d9\uff0c\u81ea\u52d5\u6309\u7167\u7d04\u5b9a\u5206\u7d66\u518d\u4fdd\u96aa\u4eba\uff0c\u800c\u518d\u4fdd\u96aa\u4eba\u5247\u5fc5\u9808\u63a5\u53d7\u7684\u4e00\u7a2e\u518d\u4fdd\u96aa\u578b\u614b\u3002\u7531\u65bc\u5728\u5408\u7d04\u6709\u6548\u671f\u9593\u5167\uff0c\u518d\u4fdd\u96aa\u95dc\u4fc2\u81ea\u52d5\u6210\u7acb\uff0c\u56e0\u6b64\u4ea6\u7a31\u70ba\u300c\u81ea\u52d5\u751f\u6548\u518d\u4fdd\u96aa\u300d(Automatic Reinsurance)\u3002\u76f8\u5c0d\u65bc\u5408\u7d04\u518d\u4fdd\u96aa\u7684\u662f\u81e8\u6642\u518d\u4fdd\u96aa\u3002<\/li>\n\n\n\n
  • \u4e0d\u8db3\u984d\u4fdd\u96aa \uff08Under Insurance\uff09
    \u5728\u8ca1\u7522\u4fdd\u96aa\uff0c\u4e0d\u8db3\u984d\u4fdd\u96aa\u4fc2\u6307\u4fdd\u96aa\u91d1\u984d\u5c0f\u65bc\u4fdd\u96aa\u50f9\u503c\u4e4b\u4fdd\u96aa\u3002\u5728\u4e0d\u8db3\u984d\u4fdd\u96aa\u60c5\u6cc1\u4e0b\uff0c\u82e5\u767c\u751f\u4fdd\u96aa\u4e8b\u6545\u9020\u6210\u4fdd\u96aa\u6a19\u7684\u640d\u5931\u6642\uff0c\u8981\u4fdd\u4eba\u6216\u88ab\u4fdd\u96aa\u4eba\u9808\u81ea\u884c\u627f\u64d4\u90e8\u4efd\u8cac\u4efb\uff0c\u4fdd\u96aa\u4eba\u50c5\u4f9d\u4fdd\u96aa\u91d1\u984d\u8207\u4fdd\u96aa\u50f9\u503c\u4e4b\u6bd4\u4f8b\u8ca0\u8cac\u8ce0\u511f\u3002\u4f9d\u6211\u570b\u73fe\u884c\u4fdd\u96aa\u6cd5\u7b2c\u4e03\u5341\u4e03\u689d\u4e4b\u898f\u5b9a\u300c\u4fdd\u96aa\u91d1\u984d\u4e0d\u53ca\u4fdd\u96aa\u6a19\u7684\u7269\u50f9\u503c\u8005\uff0c\u9664\u5951\u7d04\u53e6\u6709\u8a02\u5b9a\u5916\uff0c\u4fdd\u96aa\u4eba\u4e4b\u8ca0\u64d4\uff0c\u4ee5\u4fdd\u96aa\u91d1\u984d\u5c0d\u65bc\u4fdd\u96aa\u6a19\u7684\u7269\u4e4b\u50f9\u503c\u6bd4\u4f8b\u5b9a\u4e4b\u3002\u300d<\/li>\n\n\n\n
  • \u81ea\u8ca0\u640d\u5931\u984d \uff08Underlying Retention\uff09
    \u4fc2\u6307\u5728\u8d85\u984d\u8ce0\u6b3e\u518d\u4fdd\u96aa(Excess of Loss Reinsurance)\uff0c\u65bc\u6bcf\u4e00\u6b21\u7684\u4e8b\u6545\u640d\u5931\u4e2d\uff0c\u539f\u4fdd\u96aa\u4eba\u9808\u5148\u884c\u627f\u64d4\u7684\u7406\u8ce0\u91d1\u984d\uff0c\u6216\u7a31\u70ba\u8d85\u984d\u518d\u4fdd\u96aa\u4e4b\u8d77\u8ce0\u9ede(Excess Point)\u3002\u7576\u8ce0\u6b3e\u8d85\u904e\u81ea\u8ca0\u640d\u5931\u984d\u6642\uff0c\u518d\u4fdd\u96aa\u4eba\u59cb\u5c31\u8d85\u904e\u90e8\u4efd\u8ca0\u8cac\u7406\u8ce0\u3002<\/li>\n\n\n\n
  • \u50f9\u503c \uff08Values\uff09
    \u4fc2\u6307\u4fdd\u96aa\u516c\u53f8\u64da\u6b64\u4ee5\u8a02\u5b9a\u4fdd\u96aa\u91d1\u984d\u53ca\u8a08\u7b97\u8ce0\u6b3e\u7684\u6a19\u7684\u7269\u50f9\u503c\u3002\u4e00\u822c\u6240\u4f7f\u7528\u7684\u8a55\u50f9\u57fa\u790e\u5305\u62ec\u5be6\u969b\u73fe\u91d1\u50f9\u503c\u3001\u5e02\u5834\u50f9\u503c\u6216\u662f\u91cd\u7f6e\u50f9\u503c\u7b49\u7b49\uff0c\u800c\u90e8\u4efd\u4fdd\u96aa\u55ae\u5247\u4f7f\u7528\u96d9\u65b9\u4e8b\u5148\u6240\u7d04\u5b9a\u4e4b\u50f9\u503c\u3002<\/li>\n\n\n\n
  • \u7b49\u5f85\u671f\u9593 \uff08Waiting Period\uff09
    \u4fc2\u6307\u4fdd\u96aa\u4e8b\u6545\u767c\u751f\u4e4b\u65e5\u8d77\uff0c\u81f3\u4fdd\u96aa\u4eba\u958b\u59cb\u8ce0\u511f\u640d\u5931\u4e4b\u65e5\u6b62\u7684\u671f\u9593\uff0c\u4fdd\u96aa\u4eba\u5c0d\u65bc\u6b64\u671f\u9593\u5167\u4e4b\u640d\u5931\u4e0d\u8ca0\u8ce0\u511f\u8cac\u4efb\u3002\u7b49\u5f85\u671f\u9593\u70ba\u4e00\u7a2e\u7279\u6b8a\u578b\u614b\u7684\u81ea\u8ca0\u984d\uff0c\u5176\u898f\u5b9a\u5e38\u898b\u65bc\u5065\u5eb7\u4fdd\u96aa\u3001\u5931\u80fd\u4fdd\u96aa\u3001\u9000\u4f11\u91d1\u5236\u5ea6\u3001\u6b98\u75be\u4fdd\u96aa\u8207\u71df\u696d\u4e2d\u65b7\u4fdd\u96aa\uff0c\u7b49\u5f85\u671f\u9593\u4e4b\u76ee\u7684\u5728\u65bc\u9632\u7bc4\u9053\u5fb7\u5371\u96aa\u4e26\u6709\u5229\u65bc\u964d\u4f4e\u4fdd\u96aa\u8cbb\u3002<\/li>\n\n\n\n
  • \u5175\u96aa\u689d\u6b3e \uff08War Clause\uff09
    \u4fc2\u6307\u4fdd\u96aa\u55ae\u4e2d\u898f\u5b9a\uff0c\u7576\u4fdd\u96aa\u6a19\u7684\u7269\u56e0\u6230\u722d\u6216\u985e\u4f3c\u6230\u722d\u884c\u70ba\u6240\u81f4\u4e4b\u6bc0\u640d\u6ec5\u5931\uff0c\u4fdd\u96aa\u516c\u53f8\u53ef\u4e0d\u8ca0\u8ce0\u511f\u8cac\u4efb\u4e4b\u689d\u6b3e\uff0c\u5927\u591a\u6578\u8ca1\u7522\u4fdd\u96aa\u55ae\u4e2d\u5747\u6709\u6b64\u9805\u4e4b\u898f\u5b9a\u3002\u56e0\u70ba\u4ee5\u4fdd\u96aa\u516c\u53f8\u4e4b\u7d93\u71df\u6280\u8853\u548c\u7d93\u6fdf\u89c0\u9ede\u800c\u8ad6\uff0c\u6230\u722d\u5371\u96aa\u5177\u6709\u76f8\u7576\u4e4b\u7368\u7279\u6027\uff0c\u56e0\u6b64\u4e00\u822c\u4fdd\u96aa\u516c\u53f8\u9664\u7279\u5225\u7d04\u5b9a\u5916\uff0c\u5747\u4e0d\u4e88\u4ee5\u627f\u4fdd\u3002<\/li>\n\n\n\n
  • \u4fdd\u8b49\u8207\u544a\u77e5 \uff08Warranties And Representation\uff09
    \u4fc2\u6307\u8981\u4fdd\u4eba\u5728\u8981\u4fdd\u66f8\u4e0a\u6216\u5c0d\u9ad4\u6aa2\u91ab\u5e2b\u6240\u4f5c\u7684\u5404\u7a2e\u9673\u8ff0\uff0c\u9664\u8a50\u6b3a\u4e4b\u60c5\u6cc1\u4ee5\u5916\u5747\u5c6c\u4e00\u7a2e\u544a\u77e5\uff0c\u4f46\u4e26\u975e\u4fdd\u8b49\u3002\u6240\u8b02\u4fdd\u8b49\u662f\u6307\u5728\u8981\u4fdd\u66f8\u4e0a\u6240\u4f5c\u7684\u5404\u7a2e\u9673\u8ff0\uff0c\u5fc5\u9808\u78ba\u8a8d\u5176\u70ba\u771f\u5be6\u3002\u82e5\u6709\u4e0d\u5be6\uff0c\u7e31\u4f7f\u8981\u4fdd\u4eba\u4e0d\u77e5\u60c5\uff0c\u4ea6\u4e0d\u8ad6\u5176\u6240\u4fdd\u8b49\u4e4b\u4e8b\u662f\u5426\u91cd\u8981\uff0c\u6216\u662f\u5426\u9020\u6210\u640d\u5931\uff0c\u5747\u8db3\u4ee5\u4f7f\u4fdd\u96aa\u5951\u7d04\u7121\u6548\u3002\u800c\u8981\u4fdd\u66f8\u4e0a\u7684\u544a\u77e5\uff0c\u7576\u5c6c\u65bc\u76f8\u5c0d\u91cd\u8981\u4e4b\u4e8b\u5be6\u6642\uff0c\u624d\u8996\u70ba\u8a50\u6b3a\u3002<\/li>\n\n\n\n
  • X\u8868 \uff08X Table\uff09
    \u5728\u8a08\u7b97\u8cbb\u7387\u4e0a\uff0c\u4fc2\u6307\u4e0d\u5341\u5206\u5b8c\u6574\u6216\u7121\u6cd5\u62ff\u4f86\u904b\u7528\u7684\u7d93\u9a57\u8868\u6216\u7d93\u9a57\u8868\u7684\u8349\u6848\u3002<\/li>\n\n\n\n
  • \u897f\u5143\u4e8c\u5343\u5e74 \uff08Y2K\uff09
    \u4fdd\u96aa\u696d\u5c07Y2K\u8996\u70ba\u4e00\u500b\u9808\u5be9\u614e\u61c9\u5c0d\u7684\u554f\u984c\u3002\u6240\u8b02Y2K\u4fc2\u6307\u96fb\u8166\u8edf\u9ad4\u5728\u5e74\u5e8f\u8f49\u63db\uff0c\u75311999\u5e7412\u670831\u65e5\u9032\u4f4d\u81f32000\u5e741\u67081\u65e5\u6642\uff0c\u56e0\u8edf\u9ad4\u5e74\u5e8f\u4e4b\u8a18\u8f09\u53ef\u80fd\u53ea\u6709\u5169\u78bc\uff0c\u800c\u5728\u753199\u8b8a\u621000\u6642\u9020\u6210\u7d00\u9304\u3001\u8a08\u7b97\u53ca\u4ea4\u6613\u5404\u9805\u529f\u80fd\u7684\u6df7\u4e82\u72c0\u6cc1\u3002\u5176\u53ef\u80fd\u9020\u6210\u4f01\u696d\u4ea4\u6613\u4e2d\u65b7\uff0c\u751a\u81f3\u4f7f\u96fb\u8166\u64cd\u63a7\u7684\u751f\u7522\u8a2d\u5099\u5931\u63a7\u9020\u6210\u4f01\u696d\u640d\u5931\uff0c\u9023\u5e36\u4f7f\u4fdd\u96aa\u696d\u9700\u8ca0\u64d4\u8ce0\u511f\u8cac\u4efb\u3002<\/li>\n\n\n\n
  • \u6bcf\u5e74\u66f4\u65b0\u5b9a\u671f\u4fdd\u96aa\u578b\u518d\u4fdd\u96aa \uff08Yearly Renewable Term Plan Reinsurance\uff09
    \u6b64\u4fc2\u5206\u4fdd\u516c\u53f8\u5411\u518d\u4fdd\u96aa\u516c\u53f8\u8cfc\u8cb7\u4e00\u5e74\u66f4\u65b0\u5b9a\u671f\u4fdd\u96aa\u70ba\u57fa\u790e\u7684\u518d\u4fdd\u96aa\u578b\u614b\u3002\u8a72\u518d\u4fdd\u96aa\u4e4b\u4fdd\u96aa\u91d1\u984d\uff0c\u70ba\u4fdd\u96aa\u91d1\u984d\u6e1b\u53bb\u8cac\u4efb\u6e96\u5099\u91d1\u5f8c\u4e4b\u6de8\u5371\u96aa\u4fdd\u984d(net amount at risk)\u3002\u5206\u4fdd\u516c\u53f8\u5206\u51fa\u4fdd\u984d\u6642\uff0c\u5176\u6e96\u5099\u91d1\u7531\u5206\u4fdd\u516c\u53f8\u63d0\u5b58\uff0c\u56e0\u6b64\u518d\u4fdd\u96aa\u516c\u53f8\u6240\u627f\u64d4\u50c5\u662f\u6de8\u5371\u96aa\u4fdd\u984d\u3002<\/li>\n\n\n\n
  • \u6eff\u671f\u6536\u76ca \uff08Yield To Maturity (YTM)\uff09
    \u4fc2\u8a08\u7b97\u67d0\u9805\u6295\u8cc7\u5de5\u5177\u6536\u76ca\u7387\u7684\u65b9\u6cd5\u4e4b\u4e00\u3002\u5176\u5047\u8a2d\u8a72\u9805\u6295\u8cc7\u4fc2\u4ee5\u6eff\u671f\u65b9\u5f0f\u6301\u6709\uff0c\u5c07\u6bcf\u671f\u5229\u606f\u8207\u6eff\u671f\u8d16\u56de\u50f9\u683c\uff0c\u6309\u5e02\u5834\u5229\u7387\u63db\u7b97\u70ba\u6eff\u671f\u6642\u4e4b\u7d42\u503c\uff0c\u518d\u548c\u8cfc\u5165\u50f9\u683c\u76f8\u8f03\uff0c\u5373\u53ef\u7b97\u51fa\u8a72\u9805\u6295\u8cc7\u4e4b\u6536\u76ca\u7387\u3002<\/li>\n\n\n\n
  • \u5340\u57df\u5283\u5206 \uff08Zoning\uff09
    \u4fc2\u6307\u516c\u5171\u5718\u9ad4\u57fa\u65bc\u516c\u5171\u5229\u76ca\u4e4b\u8003\u91cf\uff0c\u4f9d\u5404\u5730\u5340\u8ca1\u7269\u4f7f\u7528\u4e4b\u7279\u6027\uff0c\u904b\u7528\u516c\u6b0a\u529b\u898f\u5283\u5206\u5340\u4e4b\u884c\u70ba\u3002\u5340\u57df\u5283\u5206\u5c0d\u4fdd\u96aa\u8cbb\u7387\u4e4b\u91d0\u5b9a\u53ca\u5730\u5716\u4e4b\u7de8\u88fd\u9817\u5177\u91cd\u8981\u6027\u3002<\/li>\n\n\n\n
  • \u8981\u4fdd\u66f8 \uff08proposal(application)\uff09
    \u4fc2\u6307\u8981\u4fdd\u4eba\u8868\u793a\u9858\u610f\u5411\u4fdd\u96aa\u4eba\u8a02\u7acb\u4fdd\u96aa\u5951\u7d04\u4e4b\u66f8\u9762\u7533\u8acb\u6587\u4ef6\u3002\u4fdd\u96aa\u4eba\u4e00\u822c\u5728\u4fdd\u96aa\u55ae\u5167\u5747\u8a3b\u660e\u8981\u4fdd\u66f8\u70ba\u4fdd\u96aa\u5951\u7d04\u4e4b\u4e00\u90e8\u4efd\uff0c\u8981\u4fdd\u4eba\u5c0d\u8981\u4fdd\u66f8\u4e0a\u4e4b\u8a62\u554f\u61c9\u64da\u5be6\u8aaa\u660e\u3002<\/li>\n\n\n\n
  • \u6c23\u8c61\u4fdd\u96aa(\u5929\u6c23\u4fdd\u96aa) \uff08weather insurance\uff09
    \u4fc2\u6307\u627f\u4fdd\u56e0\u70ba\u5929\u5019\u56e0\u7d20\uff0c\u4f8b\u5982\u6eab\u5ea6\u3001\u96e8\u91cf\u3001\u98a8\u901f\u7b49\u6c23\u8c61\u8b8a\u5316\uff0c\u6240\u9020\u6210\u4f01\u696d\u6216\u500b\u4eba\u7d93\u71df\u6210\u672c\u589e\u52a0\u6216\u6536\u5165\u6e1b\u5c11\u7b49\u640d\u5931\u4e4b\u4fdd\u96aa\u3002\u4f8b\u5982\u80fd\u6e90\u696d\u8005\u70ba\u9762\u5c0d\u6eab\u5ea6\u8b8a\u5316\u6240\u8cfc\u8cb7\u4e4b\u300c\u6c23\u8c61\u4fdd\u96aa\u4fdd\u55ae\u300d\u5373\u5c6c\u4e4b\u3002\u6b64\u96aa\u7a2e\u5176\u627f\u4fdd\u4e4b\u6a19\u7684\u4e26\u975e\u8ca1\u7522\u672c\u8eab\uff0c\u800c\u662f\u4f01\u696d\u6216\u500b\u4eba\u4e4b\u71df\u696d\u6536\u5165\u640d\u5931\u6216\u5229\u6f64\u6e1b\u5c11\u3002\u81f3\u65bc\u4fdd\u8cbb\u8a08\u7b97\u65b9\u5f0f\uff0c\u4e3b\u8981\u8996\u8981\u4fdd\u5730\u5340\u4e4b\u4e0d\u540c\u53ca\u6708\u4efd\u3001\u6642\u6bb5\u53ca\u964d\u96e8\u91cf\u591a\u5be1\u3001\u7d04\u5b9a\u958b\u59cb\u7406\u8ce0\u7684\u7d2f\u7a4d\u96e8\u91cf\uff0c\u4ee5\u53ca\u4fdd\u6236\u8207\u4fdd\u96aa\u4eba\u300c\u5171\u4fdd\u6bd4\u7387\u300d\u7b49\u56e0\u7d20\u800c\u5b9a\u3002<\/li>\n\n\n\n
  • \u5a1b\u6a02\u6f01\u696d\u6f01\u8239
    \u6307\u6c11\u773e\u4f11\u9592\u642d\u4e58\u5a1b\u6a02\u6f01\u8239\u53c3\u89c0\u6f01\u6488\u4f5c\u696d\u3001\u53ca\u5f9e\u4e8b\u6d77\u91e3\u6c34\u4e0a\u5a1b\u6a02\u6f01\u696d\u6d3b\u52d5\u4e4b\u6f01\u8239\u3002<\/li>\n\n\n\n
  • \u9632\u706b\u9580\u7a97
    \u4ee5\u6211\u570b\u73fe\u884c\u706b\u707d\u4fdd\u96aa\u8cbb\u7387\u898f\u7ae0\u70ba\u4f8b\uff0c\u5373\u898f\u5b9a\uff1a\uff08\u4e00\uff09\u9632\u706b\u9580\u7a97\u4e4b\u69cb\u9020\uff0c\u9808\u9069\u5408\u4e0b\u5217\u898f\u5b9a\uff1a1.\u92fc\u7b4b\u6c34\u6ce5\u9580\u7a97\uff1a\u9435\u6846\u5167\u586b\u5165\u539a\u4e09.\u4e94\u516c\u5206\uff0813\/8\u540b\uff09\u4ee5\u4e0a\u4e4b\u92fc\u7b4b\u6c34\u6ce5\u6240\u9020\u8005\u30022.\u9435\u677f\u9580\u7a97\uff1a\u4ee5\u9435\u88fd\u6846\u53ca\u683c\u5b50\u4f5c\u6210\u9aa8\u67b6\uff0c\u4e26\u5728\u5916\u9762\u4ee5\u539a\u5ea6\u4e00.\u4e94\u516c\u5398\uff081\/16\u540b\uff09\u4e4b\u9435\u677f\u7528\u5305\u982d\u91d8\u3001\u925a\u91d8\u3001\u91d8\u5408\u6216\u9394\u92b2\u800c\u6210\u8005\u30023.\u9435\u88fd\u6372\u9580\u7a97\uff1a\u4ee5\u539a\u5ea6\u4e00.\u4e94\u516c\u5398\uff081\/16\u540b\uff09\u4ee5\u4e0a\u4e4b\u9435\u677f\u689d\uff0c\u7528\u9023\u74b0\u5f0f\u9023\u7e8c\u69cb\u9020\uff0c\u5176\u5de6\u53f3\u5169\u7aef\u7dca\u5bc6\u7f6e\u65bc\u7246\u58c1\u4e2d\u4e4b\u9435\u6e9d\u8005\u30024.\u9435\u76ae\u9580\u7a97\uff1a\u4ee5\u539a\u5ea6\u516d\u516c\u5206\uff0823\/8\u540b\uff09\u4ee5\u4e0a\u4e4b\u6728\u6599\u3001\u6216\u4ee5\u9435\u88fd\u6846\u53ca\u683c\u5b50\u4f5c\u6210\u9aa8\u67b6\uff0c\u4e26\u5728\u5169\u9762\u5168\u90e8\u5305\u4ee5\u539a\u5ea6\u4e8c\u5341\u516b\u865f\u4ee5\u4e0a\u4e4b\u9435\u76ae\uff08\u99ac\u53e3\u9435\u5728\u5167\uff09\u7528\u5305\u982d\u91d8\u3001\u9435\u91d8\u3001\u91d8\u5408\uff0c\u5176\u9435\u76ae\u4e4b\u63a5\u7e2b\uff0c\u9808\u7528\u54ac\u53e3\u4e0d\u4ee5\u932b\u92b2\u8005\u3002\uff08\u4e8c\uff09 \u9632\u706b\u9580\uff08\u7a97\uff09\u958b\u53e3\u90e8\u4e4b\u9580\uff08\u7a97\uff09\u6846\uff0c\u9808\u4ee5\u4e0d\u6613\u71c3\u4e4b\u6750\u6599\u69cb\u9020\uff0c\u5982\u70ba\u6613\u71c3\u4e4b\u6750\u6599\u8005\uff0c\u5916\u9762\u5168\u90e8\u9808\u5305\u4ee5\u4e8c\u5341\u516b\u865f\u4ee5\u4e0a\u9435\u76ae\uff08\u99ac\u53e3\u9435\u5728\u5167\uff09\uff0c\u4e26\u4e0d\u5f97\u4ee5\u932b\u92b2\u3002\uff08\u4e09\uff09\u9632\u706b\u9580\uff08\u7a97\uff09\u8207\u958b\u53e3\u90e8\u76f8\u63a5\u8655\uff0c\u9808\u9069\u5408\u4e0b\u5217\u898f\u5b9a\uff1a1.\u9580\uff08\u7a97\uff09\u5927\u65bc\u958b\u53e3\u90e8\u6642\uff0c\u5176\u4e0a\u4e0b\u5de6\u53f3\u56db\u908a\u76f8\u63a5\u8655\u4e4b\u5bec\u5ea6\uff0c\u9808\u5728\u4e03.\u4e94\u516c\u5206\uff08\u4e09\u540b\uff09\u4ee5\u4e0a\u3002\u5982\u56e0\u7246\u58c1\u8207\u7dda\u8173\u53ca\u55ae\u5074\u76f8\u63a5\u8655\uff0c\u7121\u6cd5\u7559\u8a2d\u6240\u9700\u4e4b\u76f8\u63a5\u5bec\u5ea6\u6642\uff0c\u95dc\u9589\u5f8c\u61c9\u7dca\u8cbc\u5728\u7246\u58c1\u4e0a\u30022.\u958b\u53e3\u90e8\u8207\u9580\uff08\u7a97\uff09\u540c\u4e00\u5927\u5c0f\u6642\uff0c\u5176\u9580\uff08\u7a97\uff09\u8207\u9580\uff08\u7a97\uff09\u6846\uff0c\u9808\u7dca\u5bc6\u76f8\u5408\u3002<\/li>\n\n\n\n
  • \u8239\u9ad4\u96aa-\u822a\u7a0b\u4fdd\u96aa\u55ae
    \u627f\u4fdd\u4fdd\u96aa\u6a19\u7684\u7269\u5f9e\u67d0\u6e2f\uff08\u5730\uff09\u81f3\u53e6\u4e00\u6e2f\uff08\u5730\uff09\u3002<\/li>\n\n\n\n
  • \u8239\u9ad4\u96aa-\u5efa\u9020\u96aa\u4fdd\u55ae
    \u627f\u4fdd\u8239\u8236\u5f9e\u9810\u9020\u5de5\u7a0b\u6216\u5b89\u88dd\u9f8d\u9aa8\u8d77\u81f3\u5efa\u9020\u5b8c\u6210\u4ea4\u8239\u6b62\u3002<\/li>\n\n\n\n
  • \u8239\u9ad4\u96aa-\u6e2f\u53e3\u96aa\u4fdd\u55ae
    \u627f\u4fdd\u8239\u8236\u505c\u822a\u671f\u9593\u6216\u6e2f\u53e3\u4f5c\u696d\u6642\u4e4b\u5371\u96aa\u3002<\/li>\n\n\n\n
  • \u7e3d\u5678\u4f4d
    \u4fc2\u8868\u793a\u4f9d\u7167\u8239\u8236\u4e08\u91cf\u898f\u5247\u4e08\u91cf\u4e4b\u8239\u9ad4\u5167\u90e8\u7e3d\u5bb9\u7a4d\u3002<\/li>\n\n\n\n
  • \u6de8\u5678\u4f4d
    \u51e1\u80fd\u88dd\u8f09\u8ca8\u7269\u800c\u80fd\u76f4\u63a5\u71df\u5229\u4e4b\u5bb9\u7a4d\u8b02\u4e4b\uff0c\u4ea6\u5373\u5f9e\u7e3d\u5678\u4f4d\u6263\u6e1b\u6a5f\u8259\u3001\u8239\u54e1\u5ba4\u3001\u901a\u9053\u3001\u968e\u68af\u3001\u6d77\u5716\u5ba4\u3001\u58d3\u8f09\u6c34\u8259\u3001\u64cd\u8235\u6a5f\u5ba4\u3001\u5e06\u7e9c\u5eab\u53ca\u7121\u7dda\u96fb\u5ba4\u7b49\u56e0\u822a\u6d77\u3001\u5b89\u5168\u3001\u885b\u751f\u7b49\u898f\u5247\u4e0a\u5fc5\u9808\u4e4b\u5bb9\u7a4d\u8005\u3002<\/li>\n\n\n\n
  • \u8f09\u91cd\u5678\u4f4d
    \u70ba\u6eff\u8f09\u6392\u6c34\u91cf\u6263\u6e1b\u8239\u8236\u672c\u8eab\u91cd\u91cf\u8005\uff0c\u4ea6\u5373\u8868\u793a\u8a72\u53ef\u88dd\u8f09\u8ca8\u7269\uff08\u5305\u62ec\u8ca8\u7269\u3001\u65c5\u5ba2\u3001\u8239\u54e1\u3001\u71c3\u6599\u3001\u6de1\u6c34\u7b49\uff09\u7b49\u4e4b\u6700\u5927\u91cd\u91cf\u3002<\/li>\n\n\n\n
  • \u706b\u96aa-\u5efa\u7bc9\u7269
    \u6307\u5b9a\u8457\u65bc\u571f\u5730\u4f5c\u70ba\u4f4f\u5b85\u4f7f\u7528\u4e4b\u7368\u68df\u5f0f\u5efa\u7bc9\u7269\u6216\u6574\u68df\u5efa\u7bc9\u7269\u4e2d\u4e4b\u4e00\u5c64\u6216\u4e00\u9593\uff0c\u542b\u88dd\u7f6e\u6216\u56fa\u5b9a\u65bc\u5efa\u7bc9\u7269\u5167\u4e4b\u51b7\u6696\u6c23\u3001\u96fb\u68af\u3001\u96fb\u6276\u68af\u3001\u6c34\u96fb\u885b\u751f\u8a2d\u5099\u53ca\u5efa\u7bc9\u7269\u4e4b\u88dd\u6f62\uff0c\u4e26\u5305\u62ec\u5176\u505c\u8eca\u9593\u3001\u5132\u85cf\u5ba4\u3001\u5bb6\u52d9\u53d7\u50f1\u4eba\u623f\u3001\u6e38\u6cf3\u6c60\u3001\u570d\u7246\u3001\u8d70\u5eca\u3001\u9580\u5ead\u3001\u516c\u5171\u8a2d\u65bd\u4e4b\u6301\u5206\u3002<\/li>\n\n\n\n
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