Question

帮忙翻译成中文 不要用软件翻译啊 谢谢了啊

三、建立我国保险投资体制的构想
（一）保险投资客观上需要建立有效投资体制
保险公司的承保业务与投资业务是现代保险业的两个重要特征，其中保险投资业务已经成为现代保险公司生存和发展的重要手段。一方面，保险投资业务的发展，将扩大保险公司的盈利，增加保险公司偿付能力和经营和稳定性。另一方面，保险投资业务的发展和获利可以弥补业务上亏损，维持保险公司的生存和发展。从近期国际保险业的发展特点来看，保险公司的主要收益已经从传统的承保收益逐步转移为投资收益，如美国产险业务自1978年以来连续21年出现承保亏损，主要收益来自于投资收益。
（二）保险业应尽快建立、健全保险企业的制度和规范
建立和完善中国保险投资体制是一个系统工程。如何加强经营管理，我个人认为可以包括以下内容：
第一、加大公司运作的透明度和社会舆论的监督作用，运用法律武器，严惩那些损害股东权益的行为，有效地维护股东的权益。
第二、建立和完善对经理层的约束和激励机制，彻底改变旧的用人机制，让市场和竞争来决定经理的选拔，使经理的报酬与公司的业绩直接挂钩。
第三、加强管理创新，按照现代企业制度的要求，摒弃旧的、传统的管理模式及其相应的管理方工和方法，创建新的管理模式及其相应的方式和方法。
（三）进一步拓宽资金运用渠道
由于我国保险业起步较晚,加之其它种种原因,保险公司只能被动的分红，其变现很难实现；保险资金的运用渠道过窄；保险资金中短期性行为严重。针对这些问题，必须进一步拓宽保险资金的运用渠道，加快资金入市步伐，使我国保险业能够持续快速发展。
1、保险资金入市
（1）保险资金入市可以增强保险公司的盈利能力，如果运用得当，还可有效解决保险公司所面临的“利差损”问题。在银行存款的利率为2.25%，国债的买卖收益最多不过6%-7%，在同业拆借市场上，因资金量有限，所以收益率微乎其微。因此，保险资金入市，从长远来看，对保险公司增加盈利能力、解决“利差损”具有重要的意义。
（2）保险资金入市可以有效改善保险公司资产结构。因为保险资金进入证券市场是进行股权的交易，在证券市场机制作用下，根据保险资金运用原则，保险公司必然将资金投入到效益好、有成长性的企业中去，这样客观上就使保险资产得到了相应的改善。
（3）从长期来看，保险资金入市对于启动保险消费将起到一定的促进作用。保险资金入市无疑使国家找到一种对资金更有效的配置方法，从而使部分社会资金与证券市场之间形成纽带。在这个纽带的连接过程中，可以使经济发展得到更大的保障，以便使国家、企业、个人以及保险公司更好的发展。
（4）险资金入市可有效缓解证券市场中资金供给与需求之间的矛盾，有助于稳定证券市场。随着保险业的不断发展，可入市的保险资金的规模将越来越大，必将会改善证券市场的资金结构，它对证券市场的长期发展所起的作用也会越来越明显。
2、保险资金进入短期拆借市场。
3、扩大可投资的企业债券范围。
4、进行资产委托管理。
（四）培育专门资金运用人才
确保这些对策措施具有现实的针对性、决策的参考性和实施的可操作性，关键在人，取决于目前保险公司干部职工队伍的素质。因此，首先要改变干部队伍年龄老化问题，采取买断工龄、提前内退等方式，分流一批年龄老化的人员，以保证队伍的生机与活力；其次，要从管理入手，通过秘诀革，建设与国际接轨的一流现代化商业保险公司的高效精简的机关管理体制，尽快与国际经济接轨；再次，要注重人才的引进和使用，以及后备干部和后备人才的储备。

Answer 1

软件是必须的,但仅供参考.

Third, the establishment of China's insurance investment system concept
(A) insurance investment objective on the need for an effective investment system
The insurance companies underwriting business and investment business is the modern insurance industry, two important features, including investment in the insurance business has become a modern insurance company survival and development of an important means. On the one hand, business investment in the development of insurance, insurance companies will expand the profits of insurance company solvency and increase operating and stability. On the other hand, the insurance business development and investment earnings can make up for business losses, the insurance company to maintain the survival and development. Judging from the recent international characteristics of the development of the insurance industry, the insurance company's main income from traditional underwriting income for the gradual transfer of investment income, such as the United States-insurance business since 1978 there has been continuous 21 underwriting loss, mainly from investment income Receipts.
(B) The insurance industry should establish and improve the insurance system and standardize the business
The establishment and improvement of China's insurance investment system is a systems engineering. How to strengthen management, I think we can include the following:
First, increase the transparency of the operation of the company and the supervisory role of public opinion, the use of legal weapons and severely punish those who harm the interests of shareholders, thus effectively safeguarding the interests of shareholders.
Second, establish and perfect the manager of the incentive and restraint mechanism, completely changed the old employment mechanism, allowing the market and competition to decide the selection of managers, managers of the company's remuneration directly linked to performance.
Third, strengthen management innovation, in accordance with the requirements of modern enterprise system, discard the old, traditional mode of management and corresponding management workers and methods to create a new management model and its corresponding ways and means.
(C) to further broaden the channels for the use of funds
China's insurance sector due to a late start, coupled with other reasons, the insurance companies can only passively dividends, realised it is hard to achieve; channels for insurance funds to the use of a narrow, short-term insurance funds in the sex serious. In light of these problems, we must further broaden the channels for the use of insurance funds to accelerate the pace of capital market, China's insurance industry can be sustained rapid development.
1, the insurance capital market
(1) insurance funds to enter the market can enhance the profitability of insurance companies, if used properly, can be an effective solution to the insurance companies facing the "Licha Sun". In the bank deposit interest rate is 2.25 percent, bond proceeds of the sale of up to 6% -7%, however, in the lending market, because of limited funds, the yield negligible. Therefore, insurance funds to enter the market, in the long run, increase the profitability of insurance companies to resolve "Licha Sun" is of great significance.
(2) insurance funds to enter the market can effectively improve the structure of insurance company assets. Because the insurance funds to enter the securities market is a stake in the transaction, in the securities market mechanism, in accordance with the principle of the use of insurance funds, insurance companies will be bound to benefit a good investment, the growth of enterprises to this objective on the insurance assets The corresponding improvements.
(3) in the long term, the market for insurance funds to launch the insurance consumer will play a catalytic role. Insurance funds to enter the market no doubt on the country to find a more effective allocation of funding methods, so that part of the social capital and a link between the stock market. In this connection linking the process of economic development can be better protected, so that the state, enterprises, individuals and insurance companies and better development.
(4) risk capital market can effectively alleviate the securities market supply and demand of funds in the contradiction between, help to stabilize the securities market. With the continuous development of the insurance industry, the insurance funds to enter the market will become more and more large scale, will definitely improve the capital structure of the securities market, its stock market's long-term development of the role played by also becoming increasingly obvious.
2, the call short-term insurance funds to enter the market.
3, may expand the scope of investment in corporate bonds.
4, commissioned by the management of the assets.
(D) the use of funds cultivate specialized talents
Measures to ensure that these measures have a practical orientation, the reference of the decision-making and implementation of operational, the key lies in the people, the insurance company depends on the current quality of the contingent of cadres and workers. Therefore, we must first change the contingent of cadres ageing issues, to take buyout of service, in advance, retreat, a group of ageing triage personnel to ensure that the ranks of vigor and vitality; Secondly, we should start with management, through the secret of leather, construction and First-class international standards of modern commercial insurance companies of efficient management system to streamline the agencies, and international economic convergence as soon as possible; again, we should pay attention to the introduction and use of personnel, and reserve cadres and reserve personnel reserves.

Answer 2

0分你还想叫人翻这么长的文章?

前几天我翻了一段 几百个词的英文 到中文 花了我近一个小时

翻译不是你知道每个单词的意思就好

英 译 中 你还不能直译 还得把句子编顺了

Answer 3

那么少分~~别人不肯的~~
我也不会日语..