英语翻译试析中国汽车保险理赔中的道德风险及防范摘要随着汽车行业的蓬勃发展,应运而生的汽车保险业也风生水起,越来越多的资金

英语翻译
试析中国汽车保险理赔中的道德风险及防范
摘要
随着汽车行业的蓬勃发展,应运而生的汽车保险业也风生水起,越来越多的资金投入了这个新兴行业.而保险理赔的数额决定了这家保险公司是否可以营运甚至上市.在各大保险公司开始涉足汽车保险的同时,也加大了其所要承担的道德风险.由于车险市场中的信息不对称,道德风险对车险经营构成了重大威胁.因此,车险道德风险已成为国内外学者研究的热点问题.
在车险业务保费收入快速增长的同时,经营效益欠佳日益引起人们的关注,行业亏损已成为大家公认的看法.车险业务的经营效益不佳,是多种因素综合作用的结果,而在众多因素中,种种由于信息不对称所诱发的道德风险问题尤为突出.我国车险业务中频发的道德风险问题,直接导致了车险业务赔付率居高不下.这势必对我国车险业务的长期健康发展产生极大的破坏作用,如何建立健全车险业务的道德风险防范机制已经成为我国产险公司亟待解决的问题.
本文在对车险的起源、车险的现状、车险道德风险的定义、风险类型、风险特征等进行详细综述的基础上,探讨了车险理赔中存在的不足及研究如何进行风险防范.
关键词：车险,道德风险,风险类型,风险特征,风险防范

Analysis of Chinese automobile insurance moral risks and precautions
Abstract
Along with the vigorous development of the automotive industry, the automobile insurance business also emerge as the times require wind unboiled water rises, more and more money into the emerging industry. While the insurance amount determines the insurance company can operate even listed. In the major insurance companies began to get involved in automobile insurance at the same time, also stepped up its to bear the moral risk. Due to the asymmetric information in the insurance market, the moral risk of insurance business poses a significant threat to. Therefore, insurance moral hazard has become the hotspot problem.
In the auto insurance business premium income growth at the same time, the poor performance caused the attention of people increasingly, trade deficit has become the accepted view. The auto insurance business, poor operating efficiency, is the result of various factors, and in numerous factors, various due to information asymmetry induced by the moral risk problem is highlighted particularly. China's insurance business in frequent moral risk problem, directly leads to the high rate of auto insurance claims. This is bound to our country auto insurance business long-term healthy development has a devastating effect, how to establish and perfect the insurance business moral risk prevention mechanism has become China's Insurance Company problems.
In this paper, the current situation of auto insurance auto insurance origins, auto insurance moral hazard definition, risk type, risk characteristics were reviewed in detail on the basis of the claim, deficiencies and study how to undertake the risk is on guard.
Key words: vehicle insurance, moral risk, risk types, characteristics of risk, risk prevention
另外：关于China's 与Chinese的区别
真正正式的说法是用China's而不是轻易用Chinese.
这里面有几个区别.
一般来讲,China's 指的是地理上的中国,而Chinese指的是中国人的中国.这个在一般非正式场合是没有太大区别的但在正式场合有很大的区别.
比如,在学术讨论或者相对严谨的讨论上,少数民族,尤其是藏族和维吾尔族,是不被当做Chinese 的.一般来讲这种情况下,Chinese指的是母语为汉语的所有人,包括海外华人,也包括民族是少数民族但是母语是汉语的人,例如满族人或者不会说本民族语言的少数民族.这里的”中国的“指的是他们这些人的.
而China's更多地是强调地理范畴的,因此在政治辩论上,例如美国总统或国会辩论上用的一般是这个词.
另外,还有语言习惯上的区别.
过去（1900前,至1950s）美国人更习惯用Chinese,而现在则更多地用China's.
希望能采纳!