What does Lee Train mean in the insurance industry? How to explain, preferably with an example?

Insurance liabilities are all involved in the terms of insurance, that is, the liability of the insurance company to the insured. Claim settlement means that if the insured has an insured accident as agreed in the contract, the insurance company shall compensate the insured or beneficiary according to the contract.

For example, an insurance company states in a clause that:

During the insurance period of this contract, the company shall assume the following insurance liabilities:

1) If the insured dies or becomes totally disabled due to illness within one year from the effective date of this contract (see the definition for details), the company shall pay the death or total disability insurance benefit according to the sum of 10% of the basic insurance amount of this contract and the insurance premium actually paid under this contract, and the validity of this contract shall be terminated.

The above "actual premiums paid" do not include the increase in insurance premiums due to health and occupational reasons.

If the insured dies or becomes totally disabled due to illness after one year from the effective date of this contract, the Company shall pay the death or total disability insurance benefit at twice the sum of the basic sum insured and the accumulated dividend sum assured, and the validity of this contract shall be terminated.

2) If the insured dies or becomes totally disabled due to accidental injury (see Definition), the Company shall pay the death or total disability insurance benefit at twice the sum of the basic sum insured and the accumulated dividend sum assured, and the validity of this contract shall be terminated.

The above means that if the insured dies or becomes totally disabled, the insurance company shall pay compensation to the insured or his beneficiary. But this kind of claim is divided into several situations:

1. If it is caused by accidental injury, or if it is caused by illness one year after the insurance takes effect, death or total disability, then the insurance company will pay twice the sum of the sum of the insured amount and dividends.

2. If the death or total disability occurs within one year and is caused by illness, then the insurance company's claim consists of two parts. One part is the premium paid, and the other part is 10% of the basic insurance amount.

The above are only representative of most insurance policies, and the specific situation depends on the terms of the insurance.

Insurance claim settlement refers to the act of the insurance company performing the liability of compensation or payment in accordance with the provisions of the contract when the insured suffers damage to the property or personal life of the insured due to the occurrence of an insured accident on the subject matter of insurance, or when the insurance company needs to pay insurance money due to the occurrence of other insured accidents as stipulated in the policy, which is a direct embodiment of the insurance function and the performance of the insurance liability.

The careless father reversed and hit his daughter and killed the insurance company to pay 310,000 yuan.

The careless father accidentally hit his daughter to death while reversing, and when he asked the insurance company for compensation, he was refused, so he sued the insurance company in court. A few days ago, the Jiangyin Municipal People's Court in Jiangsu Province concluded the case and finally ruled that the insurance company should pay 310,000 yuan in compensation for medical expenses and death compensation.

Li, 29, is a native of Huashi Town, Jiangyin, and has a 6-year-old daughter. On the evening of May 17 this year, Li took his daughter to go home after dinner at a relative's house in Zhangjiagang, and when he reversed, he did not notice that his daughter was squatting on the ground and playing, causing her to collide with the right front side of the vehicle and fall to the ground. The heartbroken Li sent his daughter in a pool of blood to the First People's Hospital of Zhangjiagang for rescue, but the lovely daughter never woke up.

After the accident, Li filed a claim with the insurance company, but was rejected by the insurance company on the grounds that the victim was the daughter of the driver Li, and did not belong to the scope of the third party in the compulsory traffic insurance and commercial third-party liability insurance, and that Li and the deceased were father and daughter, and Li had no loss except for medical expenses, and there was no claim for compensation for losses, which violated the principle of loss compensation under the Insurance Law. In desperation, Mr. and Mrs. Li, who were suffering the pain of losing their daughter, pushed the insurance company into the dock.

After trial, the Jiangyin Municipal People's Court held that the victim in this case was neither a person on the insured motor vehicle nor an insured at the time of the injury, and should belong to the third party in the compulsory motor vehicle traffic accident liability insurance and the motor vehicle third-party liability insurance underwritten by the insurance company, and the defendant insurance company should compensate for the personal accident caused by the traffic accident of the insured vehicle, so the above judgment was made in accordance with the law.

There are a lot of cases of classes

It is the principle of subrogation of insurance companies;

Article 60 of the new Insurance Law stipulates that:

If the insured accident is caused by the damage caused by a third party to the subject matter of the insurance, the insurer shall compensate the insured.

From the date of the insurance payment, the insured shall subrogate the insured's right to claim compensation from a third party within the scope of the compensation amount.

If, after the occurrence of the insured event specified in the preceding paragraph, the insured has already obtained compensation for damages from a third party, the insurance shall be carried out.

When the insured compensates for the insurance money, the amount of compensation already received by the insured from the third party may be deducted accordingly.

The insurer's exercise of the right to claim compensation by subrogation in accordance with the provisions of the first paragraph of this Article shall not affect the insured's indemnity.

The right to claim compensation from a third party for the portion of the compensation obtained.

To give you an example: for example, if the insured goods are lost or damaged due to the death of the carrier during the sea journey, the cargo owner should have filed a claim for compensation from the carrier, because the insurance is insured, and the loss is within the scope of insurance liability, the cargo owner is generally unwilling to negotiate with the carrier, and they would rather obtain compensation from the insurer. After receiving compensation from the insurer, the cargo owner transfers his original right to claim against the carrier to the insurer, and the insurer replaces the cargo owner's position to recover from the carrier, and the part of the recovery is the recovery money, which is not uncommon in marine cargo transportation insurance.

Some insurance payments vary depending on the circumstances of the policy, to take the simplest example:

Zhang San bought 200,000 yuan of critical illness insurance, and was disabled due to a car accident, and the insurance company paid 150,000 yuan according to the degree of disability, and then Zhang San died due to ** improperly, and the insurance company paid the full amount of 50,000 yuan, which is a recovery payment.

Accounts receivable: that is, the enterprise sells out on credit and does not receive arrears, factoring: that is, the enterprise can conditionally transfer the accounts receivable formed due to credit sales to the bank, and the bank then provides funds for the enterprise, and is responsible for the management and collection of accounts receivable and bad debt guarantees. This allows enterprises to recover their accounts and speed up their cash turnover.

One is a loan and the other is insurance**.

You don't have a principle for this, the main business cost you carry forward in general accounting processing does not exist as a percentage, it is based on the unit price of the product next to your warehousing chain x the number of products you sell, but I think the situation you said should be that your judgment product is more digging and letting a single Then the gross profit may be more fixed at about 80%, so it is carried forward according to 80%.

The premium is, the share capital is 1 yuan, and when it is issued, 10 yuan is issued, then 9 yuan is the higher **, which is called the premium.

The opposite of a premium is a discount.

A premium issuance is when an issuer issues a bond at a premium above par.

We usually say that there is a premium for a **, which means that there is money after deducting various fees such as fees. When we say how much premium space there is, we mean the price difference between the target and the coupon of the company. The premium space refers to the amount of the transaction that exceeds the face value.

It's higher than its actual **, it should have been 1 fast, but everyone hyped it to 5 fast, it's very simple. Hehehe.

If you owe someone money you can't pay it back, let's talk about it. Whether to extend the repayment period (short-term to long-term), or reduce the amount of repayment (do not repay the non-operating income), or use things to pay off the debt (disposal of assets).

Closing a position refers to the act of closing a stock index transaction by a trader or by selling a stock index contract with the same variety, quantity and delivery month as the index he holds, but in the opposite direction of the transaction.

To put it simply, closing a position is selling. Closing a position means selling all the existing ** at the current price. It is also called clearance in **.

Closing a position is relative to opening a position, opening a position is to buy a certain amount of ** to enter the market, and closing a position is to sell the same amount again**, sell the ** in your hand, and thus exit the market.

For example: You have 1 million and lend me 1 million, a total of 2 million. The agreed closing line is 110%.

If the 2 million falls to 1.1 million, I will ask you to add margin, otherwise if it falls again, not only will your own money be gone, but even my money may be lost. If you don't add it, I'll forcibly sell all of your remaining ** and return my 1 million.

Liquidation refers to the act of closing the stock index transaction by the investor** or selling the stock index contract with the same variety, quantity and delivery month as the index contract held by the investor but in the opposite direction of the transaction.

That is to say: closing a position is a trader's trading behavior of closing a position, and the way to close is to make opposite hedging transactions for the direction of the position. Closing a position in a trade is equivalent to selling in a trade.

Since the ** transaction has a two-way trading mechanism, corresponding to the opening of a position, there are two types of closing: ** closing (corresponding to the sell opening position) and selling closing (corresponding to the ** opening position).

For example, if an investor opens a position on December 15 to buy 10 lots (up) of the January CSI 300 Index, and the transaction price is 1400 points, then he has 10 long positions. By December 17th, the investor saw the **price**, so he sold and closed 6 hands of the January stock index at 1415 points**, and after the transaction, the investor's actual position was only more than 4 lots.

If the investor is selling and opening 6 lots of the January stock index** when reporting the order on the same day, after the transaction, the investor's actual position will not be the original 4 long positions, but 10 long positions and 6 short positions.

Closing a position means that the long position will sell what it has bought, or the short position will buy back what it has sold. For example, if you buy 100 shares** and sell them, the act of selling is closing.

The closing of the position in ** means that your** is already the same as before, and there is no difference between the flat one.

11 years Yinglang front fog lamp relay in the control cabinet or control box. There is no circuit diagram that is not good to point out specifically, you can find the real thing according to the characteristics of the relay provided below. As an electrical control device, the relay is connected to the circuit to form two control systems: the control system (also known as the input loop) and the controlled system (also known as the output loop).

You can look for it along the circuit, the relay generally has a number of main contacts, plus two coil contacts, and the contactor is quite similar, in which the main contact is connected to the control system, the coil contact is connected to the control system, but the relay can generally see the contact, according to this feature you should be able to find.

Our handling fee is the lowest among all companies: all ** varieties of handling fees are only added on the exchange, and only 1 point is added

**The emergence of leverage in capital allocation solves the problems of low difficulty, slow financing and high financing threshold. **The advantage of capital allocation leverage is that it can meet the capital needs of fundraisers, and at the same time, it can play a role in controlling risk.

Closing a position is to sell your ** holdings.

It refers to throwing all the ** in your hand. The closing of the position in **refers to the selling**, and the opening of the position is**.

Here are a few ways to close a position.

1. Fixed-point closing method. It is an indispensable method of closing positions, and there are often various situations that make experts "stunned", in this regard, a less nerve-wracking way to sell is "fixed-point closure", that is, when the stock price rises to a certain point, it will be thrown out. Of course, this point is not determined blindly, but is determined after analyzing the profitability comparison and development momentum according to the situation that you have mastered.

For example, I originally expected a certain stock price to rise to 20 yuan, but when the stock price rose to 20 yuan, I wonder if it will continue to rise to 30 yuan? As a result, the opportunity was missed, and the stock price fell back and fell sharply. The fixed-point closure method requires strict adherence to established discipline.

2. Batch settlement method. It is not to sell out of the ** in your hands at one time, and sell it in batches. This practice is a supplement to the fixed-point closing method when the investor's own judgment is weak.

3. Stop-loss closing method. This method of closing the position is to close the holdings when the stock price falls back to a certain point to stop the loss. For example, no matter what the stock price will be in the future**, as long as it falls back to the previously set stop-loss range, it will be closed.

This method is very practical for small shareholders, although it may miss the initial stage of a wave of large ** and give up small profits, but it solves the possibility of not being able to grasp the potential huge losses caused by the impermanence of **.

4. Selling profit settlement method. The so-called "sale of profits" refers to the distinction between principal and profit. Specifically, the principal part is still invested according to the previous operation strategy, and its operation mode is not easily changed.

The profit part is considered to sell quickly after the market trend turns bad or the profit** trend changes, and lock in the profit as soon as possible. The biggest advantage of this approach is to gain more initiative. If **appears** after selling, the position of the principal part is still there, and you can continue to make a profit; And once the stock price turns around, the principal part can be quickly liquidated.