²Å骩 ­^¤åª© ±Hµ¹ªB¤Í ¬F©²·s»Dºô
­¹ª«¤Î�À¥Í§½§½ªø½ÍµV¬õ¼ö¡B¥ÀÀ¦°·±d°|»P²£¬ìªA°È¤ÎÂå«O­p¹º¡]ªþ¹Ï¡^
¡¯¡¯¡¯¡¯¡¯¡¯¡¯¡¯¡¯¡¯¡¯¡¯¡¯¡¯¡¯¡¯¡¯¡¯¡¯¡¯¡¯¡¯¡¯¡¯¡¯¡¯¡¯¡¯¡¯¡¯

¡@¡@¥H¤U¬°­¹ª«¤Î�À¥Í§½§½ªø©P¤@À®¤µ¤é¡]¤C¤ë¥|¤é¡^³X°Ý¸t¤½·|¥®¸X¶é¡]¤¤Àô®Õ¡^¤F¸Ñ¸Ó®Õ¦]À³µV¬õ¼ö©Ò±Ä¨úªº¹w¨¾±¹¬I«á·|¨£·s»D¬Éªº½Í¸Ü¤º®e¡]¤¤¤å³¡¤À¡^¡G

­¹ª«¤Î�À¥Í§½§½ªø¡G¤µ¤Ñ§Ú¯S¦a¨Ó¨ì³o¶¡¥®¸X¶é¡A·Q¤F¸Ñ¾Ç®Õ¤è­±À³¹ï³ÌªñµV¬õ¼ö¡]­Ó®×¡^¤W¤Éªº³B²z¤èªk¡C§Ú­Ì¯d·N¨ì¥®¸X¶é¦b³o¤è­±¬Û·í­t³d¥ô¡A¨C¤é¤W¾Ç®É¡A¤]·|´À¤p«Ä¤l¶q«×Åé·Å¡A¥t¥~¡A¨C­Ó¯Z©Ð¥~¤]¦³¤@¨Ç®ø¬r²G¡AÅý¥L­Ì¥i¥HÀH®É¬~¤â¡C¥L­Ì¨C¦¸¶i¦æ¬¡°Ê«á¡A¤]·|¥þ¯Z¤@°_¬~¤â¡A³o­Ó¤H�À¥Í²ßºD¨Æ¹ê¤W¬Û·í­«­n¡C­»´ä²{®ÉµV¬õ¼öªº±¡ªp¤´µM°ª¥ø¡A¨C¤é¦³¤Q¦h¤G¤Q­Ó¤½¥¬­Ó®×¡A¾ãÅé¨Ó»¡¤w¹F¤»¦Ê¦h­Ó¡C­»´ä¦b¹L¥h¤Q¦~ªº¥­§¡¼Æ¦r¡A³Ì°ª¥u¹F¤G¦Ê¦h¡A¤µ¦¸¶È¥b¦~¤w¹F¡]¹L¥h¨C¦~¥­§¡¼Æ¦rªº¡^¤T­¿¡A©Ò¥H§Ú­Ì»{¬°¤µ¦¸µV¬õ¼ö¯fµßªº°ò¦]ÂàÅܩҤް_ªº¶Ç¼½²v¸û¥H©¹¬°°ª¡A¤]­È±oÃöª`¡C¦ý¦]¬°³o­Ó¯f¥H§Ü¥Í¯À¡]ªvÀø¡^¤´µM¦³®Ä¡A©Ò¥HÀ³¸Ó¤Î¦­µo²{¡B¤Î¦­Âåªv¡A¦w¥þ¤è­±À³¥iªÖ©w¡C§Ú¤µ¤é¥ç¯S¦a¤F¸Ñ¾Ç®Õ¤Î¨ä¾Ç¥Íªº´»´Á¬¡°Ê±¡ªp¡CÁÙ¦³¬ù¨â¬P´Á¡A«Ü¦h¥®¸X¶é¤]¶}©l©ñ´»°²¡A¦³¤£¤Ö´»´Á¬¡°Ê¦b¤C¤ë¤¤¦Ü¤E¤ëªì«eÁ|¿ì¡A¦³³¡¤À´»´Á¬¡°Ê¦b¾Ç®Õ©Î¸g¾Ç®ÕÁ|¦æ¡A¤]¦³¨Ç¸g¬F©²±d¤å¸pªº¦a¤èÁ|¦æ¡A³o¨Ç¦a¤è§Ú­Ì¤w³z¹L¸ó³¡ªù³B²z¡A¤w³qª¾¤j®a­nª`·N¡C¥ç¦³¤@¨Ç¨p¤H¬¡°Ê¡AÀç¿ìªÌ¥i¯à¤£¤Ó²M·¡¡]³B²z¤èªk¡^¡A§Ú­Ì§Æ±æÂǦ¹©IÆ~¥L­Ì­Yµoı«Ä¤l·P¨ì¤£¾A¡A­n¨D¥L­Ì¯d¦b®a¤¤¥ð®§¤Î´NÂå¡A­Yµoı¦³¦h©ó¤@¦W¤p«Ä¬V¤WµV¬õ¼ö¡AÀ³¤Î¦­³qª¾�À¥Í¸p¡AÅý¥L­Ì³B²z¡A¦]¬°§Ú­Ì§Æ±æºÉ¶q¥O³o¯e¯f¤£·|½¯©µ±o¤Ó§Ö¡C¥H¹L©¹¸gÅç¬Ý¨Ó¡A«Ü¤jªº²Õ¸sÃzµo¤£¦h¡A«Ü¦h³£¬O­Ó§O­Ó®×¡A¦ý­Y§Ú­Ì¤£¤p¤ßªº¸Ü¡A·|¥O³o¯fµß½¯©µ±o¤Ó§Ö¡A³o¥ç¬O§Ú­ÌÃöª`ªº¦a¤è¡C

°OªÌ¡G¬O§_¦ô­pµV¬õ¼ö·|«ùÄò¦Ü®L©uµ²§ô«á¡A¦Ü¬î©u¦³Ãö­Ó®×¤~¦³±æ´î¤Ö¡H

­¹ª«¤Î�À¥Í§½§½ªø¡G³q±`¤@­Ó¯fµß¤×¨ä¬O¦³·sªº°ò¦]ÂàÅÜ¡A¨ä¶Ç¬Vªº«ùÄò©Ê·|¸û¤@¨Ç¥»¨Ó¤w¦³ªº¯fµß¬°ªø¡CÄ´¦p¯f¬r»P²Óµßªº·P¬V¡A³q±`¨Ó»¡¤]¦³¤@¡B¨â­Ó¤ë¦Ü¨â¡B¤T­Ó¤ëªº¶Ç¬V´Á¡F¤@­Ó°ò¦]§ïÅܤFªº·s«~ºØ¡A¥i¯à·|«ùÄò¦Ü¥|¡B¤­­Ó¤ë¤]»¡¤£©w¡CµV¬õ¼ö­YÄ´¦p¥Ñ¤­¤ë¶}©l¬O°ª®p¡A§Ú­Ì³Ì¤Ö­nÆ[¹î¦Ü¤E¤ë¤~¦æ¡C

°OªÌ¡G¤µ¤é³ø³¹³ø¹D¥_°Ïªº¥ÀÀ¦°·±d°|ªº°ÝÃD¡A¨ä¹ê·í§½¦³§_¯d·N¦³Ãö±¡ªp¡A¦p¦óÀ°§U¥»¦aªº¶ý¶ý¡H

­¹ª«¤Î�À¥Í§½§½ªø¡G¹L¥h¼Æ¦~¡A�À¥Í¸pªº¥ÀÀ¦°·±d°|¯d·N¨ì¶V¨Ó¶V¦hªì¥ÍÀ¦¨à±µ¨üªA°È¡A¹L¥h¤»¦~ªº¼Æ¦r¤j¬ù¬O¤T¤Q¸U¡A§Y¥­§¡¨C¦~¦³¬ù¤­¸U¡C¦ý¦b¤G¡³¡³¤»¡B¡³¤C¦~®É¡A¡]¨C¦~¼Æ¦r¡^¥i¯à¶È¥|¸U¦h¡A²{®É»¡¤£©w¤w¹F¤»¡B¤C¸U¡C³o³¡¤Àªº¼Æ¦r¤¤¡A¦³¤@¥b§Y51%¬O¥»¦a®a®xªºÀ¦¨à¡A49%ÄÝ«D¥»¦a©ÎÂù¿Ë¤¤¦³¤@¦ì¥i¯à¨Ã«D­»´ä¤H¡A¤j¬ù¦³16%¤p«Äªº¤÷¥À§¡«D­»´ä¤H¡A¥i¯à¬O©~©ó²`¦`¡B¼sªF¬Ù©Îªþªñ¡A¯S¦a¨Ó´ä±µ¨üªA°È¡C§Ú­Ì¹w­p¦³ÃöªA°È¶q·|¤£Â_¼W¥[¡A�À¥Í¸p¦b¹L¥h¼Æ¦~¥ç¤w¼W¥[¤H¤â¥H§@°t¦X¡A¥]¬AÂå¥Í¼W¥[¤F±µªñ¤Q¦W¡BÅ@¤h¦³¥|¤Q¦h¦W¡A¦ý§Ú­Ì¤]¹w­p¦³ÃöªA°È¶qªº»Ý¨D·|¤£Â_¼W¥[¡C°t¦X§Ú­Ì³Ìªñªº¬Fµ¦¡A§Ú­Ì¥²¶·­­¨î«e¨Ó­»´ä¥X¥ÍªºÀ¦¨à¼Æ¦r¡A¦]¬°¨Ã«D¥u¬O²£¬ì©Î¨à¬ìªºªA°È¡]¨ü¼vÅT¡^¡A¨ä¥LªºªA°È¥ç·|¨ü¼vÅT¡A©Ò¥H§Ú­Ì³o¶µ¬Fµ¦¥²¶·°t¦X­»´ä¾ãÅ骺ªA°È¶q¤~¦æ¡C

°OªÌ¡G¬O§_ª¾±x­þ´X°ÏÁÙ¬O¯S§O¬O¥_°Ïªº¤H¤â¤ñ¸ûºò±i¡H·|§_¦A¼W¥[¤H¤â¡H

­¹ª«¤Î�À¥Í§½§½ªø¡G¥ÀÀ¦°·±d°|¨S¦³­­¨î©~¦í­þ¤@°Ï­n©¹­þùØ¡]¨Ï¥ÎªA°È¡^¡A³q±`¤÷¥À·|¿ï¾Ü«e©¹¸û¤è«Kªº¦a¤è¡A¤×¨ä¥_°Ï¯S§O±µªñÃä¹Ò¡A·íµM¦³¨Ç¦í¦b¤º¦a¡B«ù¦³­»´ä¥X¥Íªº¨­¥÷¡]ÃÒ©ú¡^ªº¤p«Ä¡A«K¥i¨Ó´ä±µ¨üªA°È¡A©Ò¥H±µªñÃä¹Ò§Y·s¬É¥_­±ªº¥ÀÀ¦°·±d°|¡A³q±`¨Ó»¡¤u§@¶q·|¼W¥[¦h¨Ç¡C¦]¦¹¡A§Ú­Ì·|¦b¦³Ãö¤è­±¼W¥[¦h¨Ç¤H¤â¡C

°OªÌ¡G¡]¦³Ãö¥»´ä¥¥°üªí¥Ü¨ü¤º¦a¥¥°ü¼vÅT¡A¥O¦o­Ì­nÂà¬Ý¨p®aÂå¥Í¤Î¸ó°Ï±µ¨üªA°È¡A§½¤è¦p¦ó´£¨Ñ¨ó§U¡H¡^

­¹ª«¤Î�À¥Í§½§½ªø¡G�À¥Í¸p·|Ä~Äò±µ¨ü©Ò¦³¦X¥G¸ê®æªº­»´äÀ¦¨à¡A¥]¬A­»´ä®a®x¤Î¤@¨Ç¨Ã«D©~©ó­»´äªº¤p«Ä¡A³o¤è­±§Ú­Ì¦b¬Fµ¦¤W¨S¦³¤À§O¡A¦ý³Ì­«­n¬O§Ú­Ìµø¥GªA°È¶q»Ý¨D¡A­nÄ~Äò¼W¥[¸ê·½¨Ó°t¦X¡C

°OªÌ¡G¦³³ø¹D«ü¦b¬F©²¤½¥¬¤º¦a¥¥°ü­­ÃB¼Æ¦r«á¡A¦³¨p®aÂå°|¤j´T¥[»ù¤T¦¨¡A¥O­p¹º¨ì¨p®aÂå°|¤À®Yªº¥»¦a¥¥°üªº¶}¤ä¤]¶Q«Ü¦h¡A·|§_»P¨p®aÂå°|¤è­±°Q½×³o­Ó°ÝÃD¡H

­¹ª«¤Î�À¥Í§½§½ªø¡G¾Ú§Ú©Òª¾¡AµL½×¬O¤½Àç©Î¨pÀçÂå°|¡A§Ú­Ì¨Ã¨S¦³­­¨î¥»¦a¥¥°üªº¼Æ¥Ø¡A§Y­Y¦o­Ì¬O¥»¦a¥¥°ü¡A¦o­Ì©¹­þùؤÀ®Y¡A¤]À³¥i¹w¬ù§É¦ì¡C¦ý·íµM¡A¤]­nµø¥G¡]¥¥°ü¡^¬O§_¿ï¾Ü¬Y­Ó²£¬ìÂå¥Í¡B¸Ó²£¬ìÂå¥ÍÀò¦³ÃöÂå°|°tµ¹ªº¦WÃB¦³¦h¤Öµ¥¡A¨Ó§@³o¤è­±ªº¨M©w¡C¦ý§Ú»P¨pÀç»P¤½ÀçÂå°|¤]»¡±o«Ü²M·¡¡A¤j®a¤]¦P·NÀu¥ý³B²z¥»¦a¥¥°üªºªA°È¡C

°OªÌ¡G¬O§_¬Ý¨ì¡]¨pÀçÂåÀøªA°È¡^»ù®æ¤W½Õ¡H¬F©²¥i§_§@ºÊ±±¡H

­¹ª«¤Î�À¥Í§½§½ªø¡G´N¨pÀçÂåÀøªA°È¤è­±¡A§Ú­è¤~¤w»¡¹L¡A¥Ñ©ó§Ú­Ì¨S¦³­­¨î¥L­Ì³B²z¦h¤Ö¦W¥»¦a¥¥°ü¡A§Ú­Ì»{¬°¥L­Ì¦³¦Û¥Ñ«×­q©w¦¬¶O¡C¦ý¥Ñ©ó¦³¤@©wÄvª§¡A¬Û«H»ù¿ú¤£·|­q±o¤Ó°ª¡A¦]«Ü¦hÂå°|¥ç»{¬°­»´ä¥¥°ü¬OÄÝ¥L­ÌÀu¥ý³B²zªº²Õ¸s¡C

°OªÌ¡G¡]¦³Ãö¦ÛÄ@ÂåÀø«O»Ù­p¹º¡A¬F©²¬O§_·|¬°°ª¦M¤H¤h¡u¥]©³¡v¡H¡^

­¹ª«¤Î�À¥Í§½§½ªø¡G´NÂå«O­p¹º¤è­±¡A§Ú­Ì§@¥X¨â¦¸¸Ô²Ó¿Ô¸ß«á¡A·|©ó¤U¬P´Á¦b¥ßªk·|¥æ¥N¤U¤@¨B¤u§@¡C¦b³o¤è­±¡A§Ú­Ì»{¬°¤j³¡¤À¥«¥Á¤ä«ù§Ú­Ì²{®Éªº¤u§@¤è¦V¡A§Y¦ÛÄ@ªºÂå«O¡C¦Ü©ó¸Ô²Ó±¡ªp¡A®e³\§Ú¤U¬P´Á¤~¦h»¡¤@¨Ç¡C§Ú­Ì»{¬°¦³³d¥ô¡]±À¥X¡^¤@­Ó¤½¥­¡B¤½¥¿ªº«OÀI¨î«×¡A²Ä¤@¤è­±¥O¥«¥Á¨ü¥R¤À«O»Ù¡C²Ä¤G¤è­±¡AµL½×¬O«OÀI¬É¡B©Î¬OÂåÀø¬É¡A§¡¯à«ùÄòµo®i¡C

°OªÌ¡G¡]¦³Ãö¥»¦a¥¥°ü«ü¡A¦Û¤½¥¬­­¨î«D¥»¦a¥¥°üªº¤À®Y¼Æ¥Ø«á¡A¦³¨p®aÂå°|¥[»ù¤T¦¨¡A¥O¦o­Ì¥¢¹wºâ¡C¬F©²¦p¦ó¨ó§U¦o­Ì¡H¡^

­¹ª«¤Î�À¥Í§½§½ªø¡G¨p®aÂå°|¤è­±ªº»ù®æ¡A²{®É¨ÃµL¥ô¦óºÞ¨îªº¾÷¨î¡C¦b¦Û¥ÑÄvª§ªº±¡ªp¤U¡A¦o­Ì¦³¤@©wªº¿ï¾Ü¡C·íµM¦o­Ì¥ç¥i¥H¿ï¾Ü±µ¨ü¤½ÀçÂåÀøªA°È¡A¤×¨ä§Ú­Ì¤w¨M©w¦b¤½ÀçÂå°|¤è­±¡A¥²¶·Àu¥ý³B²z¥»¦a¥¥°ü¡C

°OªÌ¡G¡]¦³Ãö¦ÛÄ@Âå«O­p¹º¡^

­¹ª«¤Î�À¥Í§½§½ªø¡G¸Ô²Ó±¡ªp§Ú·|¦b¤U¬P´Á¥æ¥N¡C§Ú­Ì¤@ª½­Òij¦p¦³¥þ¥Áªº¦ÛÄ@Âå«O¡A§Ú­ÌÀ³·ÓÅUªø´Á¯f±wªÌ¡C¦pªø´Á¯f±wªÌ¦b¥t¤@­Ó«OÀI¦À¡A·|¤ñ¸û¤½¥­¡A¤£·|¼vÅT°·±d¤H¤h¦b§ë«O®É¡A­n±N³¡¤À«O¶O¡]¸É¶K¡^ªø´Á¯f±wªÌ¡C¦p¦b¥t¤@­Ó«OÀI¦À¡A¦Ó³o«OÀI¦À¶W¤ä¡A·íµM­n¦³¨ä¥L¤èªk¥h³B²z¡A³o¬O§Ú­Ì©Ò»¡ªºreinsurance¡A§Y¦A«OÀI©Î¬F©²¡u¥]©³¡vªº¤è®×¡C

°OªÌ¡G·|§_¾á¤ß°·±d¤Î¦~»´¤H¤h¦]¦¹¦Ó¤£§ë«O¡H

­¹ª«¤Î�À¥Í§½§½ªø¡G­è¤~§Ú¤w»¡¹L¡A¦p¦³¤À¶}ªº«OÀI¦À¡A«K¤£·|¼vÅT³o¨â¤è­±«OÀI¦À¸g¶Oªº¨Ï¥Î¡Cªø´Á¯f±w¤H¤h¦³¥t¥~¤@­Ó«OÀI¦À¡C

¡]½Ð¦P®É°Ñ¾\½Í¸Ü¤º®e­^¤å³¡¤À¡C¡^

§¹

¢±¢¯¢°¢°¦~¢¶¤ë¢³¤é¡]¬P´Á¤@¡^
­»´ä®É¶¡¢°¢µ®É¢¯¢´¤À

¹Ï¤ù
¦C¦L¦¹­¶