{"id":4556,"date":"2022-06-24T16:23:03","date_gmt":"2022-06-24T08:23:03","guid":{"rendered":"http:\/\/rcepqy.com\/?p=4556"},"modified":"2022-06-24T16:23:04","modified_gmt":"2022-06-24T08:23:04","slug":"%e8%88%aa%e8%bf%90%e4%bf%9d%e9%99%a9%e5%9f%ba%e6%9c%ac%e6%a6%82%e5%bf%b5%e8%88%aa%e8%bf%90%e4%bf%9d%e9%99%a9%e4%b8%ad%e7%9a%84%e6%8e%a8%e5%ae%9a%e5%85%a8%e6%8d%9f%e4%b8%8e%e5%ae%9e%e9%99%85%e5%85%a8","status":"publish","type":"post","link":"http:\/\/rcepqy.com\/index.php\/2022\/06\/24\/%e8%88%aa%e8%bf%90%e4%bf%9d%e9%99%a9%e5%9f%ba%e6%9c%ac%e6%a6%82%e5%bf%b5%e8%88%aa%e8%bf%90%e4%bf%9d%e9%99%a9%e4%b8%ad%e7%9a%84%e6%8e%a8%e5%ae%9a%e5%85%a8%e6%8d%9f%e4%b8%8e%e5%ae%9e%e9%99%85%e5%85%a8\/","title":{"rendered":"\u822a\u8fd0\u4fdd\u9669\u57fa\u672c\u6982\u5ff5|\u822a\u8fd0\u4fdd\u9669\u4e2d\u7684\u63a8\u5b9a\u5168\u635f\u4e0e\u5b9e\u9645\u5168\u635f"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u8d27\u7269\u5728\u6d77\u4e0a\u8fd0\u8f93\u4e2d\u53ef\u80fd\u906d\u53d7\u5230\u7684\u635f\u5931\u6709\u5927\u6709\u5c0f\uff0c\u5728\u4fdd\u9669\u4e1a\u52a1\u4e2d\u5bf9\u5df2\u88ab\u4fdd\u9669\u7684\u8d27\u7269\u9020\u6210\u7684\u635f\u5931\uff0c\u6309\u5176\u635f\u5931\u7a0b\u5ea6\u53ef\u5206\u5168\u90e8\u635f\u5931\uff08total loss\uff09\u548c\u90e8\u5206\u635f\u5931\uff08partial loss\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5168\u90e8\u635f\u5931\u7b80\u79f0\u201c\u5168\u635f\u201d\uff0c\u662f\u6307\u88ab\u4fdd\u9669\u8d27\u7269\u5728\u6d77\u4e0a\u8fd0\u8f93\u4e2d\u906d\u53d7\u5168\u90e8\u635f\u5931\u3002\u4ece\u635f\u5931\u7684\u6027\u8d28\u770b\uff0c\u5168\u635f\u53c8\u53ef\u5206\u4e3a<strong>\u5b9e\u9645\u5168\u635f\uff08actual total loss\uff09<\/strong>\u548c<strong>\u63a8\u5b9a\u5168\u635f\uff08con structive total loss\uff09<\/strong>\u3002<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"578\" height=\"242\" src=\"http:\/\/rcepqy.com\/wp-content\/uploads\/2022\/06\/image-58.png\" alt=\"\" class=\"wp-image-4557\" srcset=\"http:\/\/rcepqy.com\/wp-content\/uploads\/2022\/06\/image-58.png 578w, http:\/\/rcepqy.com\/wp-content\/uploads\/2022\/06\/image-58-300x126.png 300w\" sizes=\"auto, (max-width: 578px) 100vw, 578px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><strong>\u63a8\u5b9a\u5168\u635f\uff1a<\/strong>\u4e00\u3001\u6982\u5ff5\u63a8\u5b9a\u5168\u635f\uff0c\u6307\u5b9e\u9645\u5168\u635f\u5df2\u4e0d\u53ef\u907f\u514d\uff0c\u6216\u53d7\u635f\u8d27\u7269\u6b8b\u503c\uff0c\u5982\u679c\u52a0\u4e0a\u65bd\u6551\u3001\u6574\u7406\u3001\u4fee\u590d\u3001\u7eed\u8fd0\u81f3\u76ee\u7684\u5730\u7684\u8d39\u7528\u4e4b\u548c\u8d85\u8fc7\u5176\u62b5\u8fbe\u76ee\u7684\u5730\u7684\u4ef7\u503c\u65f6\uff0c\u89c6\u4e3a\u5df2\u7ecf\u5168\u635f\u3002\u63a8\u5b9a\u5168\u635f\uff08Constructive Total Loss\uff1bTechnical Total Loss) \u662f\u201c\u5b9e\u9645\u5168\u635f\u201d\u7684\u5bf9\u79f0\u3002\u4fdd\u9669\u6807\u7684\u53d7\u635f\u540e\u5e76\u672a\u5b8c\u5168\u4e27\u5931\uff0c\u662f\u53ef\u4ee5\u4fee\u590d\u6216\u53ef\u4ee5\u6536\u56de\u7684\uff0c\u4f46\u6240\u82b1\u7684\u8d39\u7528\u5c06\u8d85\u8fc7\u83b7\u6551\u540e\u4fdd\u9669\u6807\u7684\u7684\u4ef7\u503c\uff0c\u56e0\u6b64\u5f97\u4e0d\u507f\u5931\u3002\u5728\u6b64\u60c5\u51b5\u4e0b\uff0c\u4fdd\u9669\u516c\u53f8\u653e\u5f03\u52aa\u529b\uff0c\u7ed9\u4e88\u88ab\u4fdd\u9669\u4eba\u4ee5\u4fdd\u9669\u91d1\u989d\u7684\u5168\u90e8\u8d54\u507f\u5373\u4e3a\u63a8\u5b9a\u5168\u635f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e8c\u3001\u7279\u5f81<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6839\u636e1906\u5e74\uff08\u82f1\u56fd\uff09\u6d77\u4e0a\u4fdd\u9669\u6cd5(Marine Insurance Act, 1906)\u7b2c60\u6761\uff0c\u4ee5\u4e0b\u60c5\u51b5\u53ef\u88ab\u5b9a\u4e49\u4e3a\u63a8\u5b9a\u5168\u635f\uff1a\u7531\u4e8e\u5b9e\u9645\u5168\u635f\u4f3c\u4e4e\u65e0\u6cd5\u907f\u514d\uff0c\u6216\u4e3a\u907f\u514d\u5b9e\u9645\u5168\u635f\u6240\u652f\u4ed8\u7684\u8d39\u7528\u5c06\u8d85\u8fc7\u88ab\u4fdd\u9669\u8d22\u4ea7\u7684\u4ef7\u503c\u800c\u5c06\u88ab\u4fdd\u9669\u8d22\u4ea7\u59d4\u4ed8\uff1b\u5f53\u88ab\u4fdd\u9669\u4eba\u56e0\u627f\u4fdd\u7684\u5371\u9669(peril insured against)\u4e27\u5931\u5bf9\u88ab\u4fdd\u9669\u8d22\u4ea7\u7684\u5360\u6709\uff0c\u800c\u65e0\u6cd5\u6062\u590d\u5360\u6709\u6216\u610f\u56fe\u6062\u590d\u5360\u6709\u7684\u8d39\u7528\u592a\u9ad8\u65f6\uff1b\u6216\u5f53\u5bf9\u88ab\u4fdd\u9669\u8d22\u4ea7\u7684\u4fee\u590d\u8d39\u7528\u592a\u9ad8\u65f6\u3002\u5728\u6211\u56fd\uff0c\u6839\u636e\u300a\u6d77\u5546\u6cd5\u300b\u7b2c246\u6761\uff0c\u5728\u6d77\u4e0a\u4fdd\u9669\u4e2d\uff0c\u53d1\u751f\u4fdd\u9669\u4e8b\u6545\u540e\uff0c\u8ba4\u4e3a\u5b9e\u9645\u5168\u635f\u5df2\u7ecf\u4e0d\u53ef\u907f\u514d\uff0c\u6216\u8005\u4e3a\u907f\u514d\u53d1\u751f\u5b9e\u9645\u5168\u635f\u6240\u9700\u652f\u4ed8\u7684\u8d39\u7528\u8d85\u8fc7\u4fdd\u9669\u4ef7\u503c\u7684\u4e3a\u63a8\u5b9a\u5168\u635f\u3002\u5176\u8303\u56f4\u4ec5\u9650\u4e8e\u8239\u8236\u548c\u8d27\u7269\uff0c\u4e3b\u8981\u7279\u5f81\u6709\uff1a\uff081\uff09\u63a8\u5b9a\u5168\u635f\u4ee5\u8239\u8236\u3001\u8d27\u7269\u53d1\u751f\u4fdd\u9669\u4e8b\u6545\uff0c\u9020\u6210\u90e8\u5206\u635f\u5931\uff0c\u4f46\u5b9e\u9645\u5168\u635f\u5c1a\u672a\u5f62\u6210\u4e3a\u524d\u63d0\u3002\u82e5\u5b9e\u9645\u5168\u635f\u5df2\u7ecf\u53d1\u751f\uff0c\u6216\u5c1a\u672a\u53d1\u751f\u90e8\u5206\u635f\u5931\uff0c\u4e0d\u9002\u7528\u63a8\u5b9a\u5168\u635f\u3002\uff082\uff09\u7531\u4e8e\u5b9e\u9645\u5168\u635f\u4f3c\u4e4e\u65e0\u6cd5\u907f\u514d\uff0c\u6216\u4e3a\u907f\u514d\u5b9e\u9645\u5168\u635f\u6240\u652f\u4ed8\u7684\u8d39\u7528\u5c06\u8d85\u8fc7\u88ab\u4fdd\u9669\u8d22\u4ea7\u7684\u4ef7\u503c\u800c\u5c06\u88ab\u4fdd\u9669\u8d22\u4ea7\u59d4\u4ed8\u3002\u524d\u8005\u6307\u4fdd\u9669\u4e8b\u6545\u53d1\u751f\u540e\uff0c\u6839\u636e\u5ba2\u89c2\u60c5\u51b5\u5224\u65ad\uff0c\u8239\u8236\u6216\u8d27\u7269\u7684\u5b9e\u9645\u5168\u635f\u5fc5\u7136\u4f1a\u53d1\u751f\u3002\u540e\u8005\u6307\u8239\u8236\u3001\u8d27\u7269\u53d1\u751f\u4fdd\u9669\u4e8b\u6545\u540e\uff0c\u7ecf\u91c7\u53d6\u63aa\u65bd\u867d\u53ef\u4ee5\u83b7\u6551\u3001\u4fee\u590d\uff0c\u4f46\u56e0\u6b64\u4ed8\u51fa\u7684\u4ee3\u4ef7\u8d85\u8fc7\u4fdd\u9669\u4ef7\u503c\uff0c\u5f97\u4e0d\u507f\u5931\u3002\uff083\uff09\u4fdd\u9669\u8239\u8236\u6216\u8d27\u7269\u867d\u5c1a\u672a\u53d1\u751f\u5b9e\u9645\u5168\u635f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u5b9e\u9645\u5168\u635f\uff1a<\/strong>\u4e00\u3001\u6982\u5ff5<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201c\u7edd\u5bf9\u5168\u635f\u201d\u6216\u201c\u5b9e\u9645\u6d77\u635f\u201d\u4e5f\u662f\u201c\u63a8\u5b9a\u5168\u635f\u201d\u7684\u5bf9\u79f0\uff0c\u5373\u4fdd\u9669\u8d22\u4ea7\u5728\u7269\u8d28\u5f62\u5f0f\u6216\u7ecf\u6d4e\u4ef7\u503c\u4e0a\u5df2\u5b8c\u5168\u706d\u5931\u7684\u635f\u5931\u3002\u7edd\u5bf9\u5168\u635f\u662f\u6307\u8d27\u7269\u5168\u90e8\u706d\u5931\u6216\u5168\u90e8\u53d8\u8d28\u800c\u4e0d\u518d\u6709\u4efb\u4f55\u5546\u4e1a\u4ef7\u503c\u3002\u63a8\u5b9a\u5168\u635f\u662f\u6307\u8d27\u7269\u906d\u53d7\u98ce\u9669\u540e\u53d7\u635f\uff0c\u5c3d\u7ba1\u672a\u8fbe\u5b9e\u9645\u5168\u635f\u7684\u7a0b\u5ea6\uff0c\u4f46\u5b9e\u9645\u5168\u635f\u5df2\u4e0d\u53ef\u907f\u514d\uff0c\u6216\u8005\u4e3a\u907f\u514d\u5b9e\u9645\u5168\u635f\u6240\u652f\u4ed8\u7684\u8d39\u7528\u548c\u7ee7\u7eed\u5c06\u8d27\u7269\u8fd0\u62b5\u76ee\u7684\u5730\u7684\u8d39\u7528\u4e4b\u548c\u8d85\u8fc7\u4e86\u4fdd\u9669\u4ef7\u503c\u3002\u63a8\u5b9a\u5168\u635f\u9700\u7ecf\u4fdd\u9669\u4eba\u6838\u67e5\u540e\u8ba4\u5b9a\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e8c\u3001\u5b9e\u9645\u5168\u635f\u7684\u56db\u79cd\u60c5\u5f62\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff081\uff09\u4fdd\u9669\u6807\u7684\u5df2\u906d\u6bc1\u706d\uff0c\u5982\u8239\u8236\u4e0e\u8d27\u7269\u6c89\u5165\u6d77\u5e95\u65e0\u6cd5\u6253\u635e\u6216\u8d27\u7269\u88ab\u5927\u706b\u6bc1\u706d\uff1b&nbsp;\uff082\uff09\u4fdd\u9669\u6807\u7684\u5c5e\u6027\u4e0a\u7684\u6bc1\u706d\uff0c\u539f\u6709\u7684\u5546\u4e1a\u4ef7\u503c\u5df2\u4e0d\u590d\u5b58\u5728\uff0c\u5982\u8336\u53f6\u906d\u6d77\u6c34\u6d78\u6e7f\u540e\u9999\u5473\u5c3d\u5931\u3001\u6c34\u6ce5\u6d78\u6d77\u6c34\u540e\u53d8\u6210\u5757\u72b6\uff1b&nbsp;\uff083\uff09\u88ab\u4fdd\u9669\u4eba\u5df2\u4e0d\u80fd\u6062\u590d\u5176\u6240\u4e27\u5931\u7684\u6240\u6709\u6743\uff0c\u5982\u8239\u8236\u4e0e\u8d27\u7269\u88ab\u6355\u83b7\u6216\u6263\u62bc\u540e\u91ca\u653e\u65e0\u671f\uff0c\u6216\u5df2\u88ab\u6ca1\u6536\uff1b\uff084\uff09\u8239\u8236\u5931\u8e2a\u5df2\u8fbe\u4e00\u5b9a\u65f6\u671f\uff0c\u5982\u534a\u5e74\u4ecd\u65e0\u97f3\u8baf\uff0c\u5219\u53ef\u89c6\u4f5c\u5168\u635f\u3002\u88ab\u4fdd\u9669\u4eba\u5982\u679c\u906d\u9047\u5b9e\u9645\u5168\u635f\uff0c\u5373\u7531\u4fdd\u9669\u4eba\u6309\u4fdd\u9669\u91d1\u989d\u5168\u90e8\u8d54\u4ed8\u3002<\/p>\n\n\n\n<p 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