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September. 2008 |
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In August 2008, Hai Yang, President of Steele,Steele becomes a member of ARIA (American Risk and Insurance Association). Through the association, Steele will master the newest information on risk management in the west, and contribute to the risk management system of Steele with abundant theoretical knowledge. |
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Credit Pre-warning
Network for Enterprises of Wenzhou promoted by Industry & Commercial
Department of Wenzhou City was open formally. There were already 3518
pieces of enterprise credit information published on the website,
integrating registration information of 400 thousand enterprises
(including self-employed small businesses) in |
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The government office of Hangzhou now announced that to the citizen, who does not pay the parking bill or disobey the regulation on the payment, the traffic charging supervision department of the city will hand in the violation evidence of his/her to relevant department and files the information in his/her personal credit records, and the parking bill will be recovered legally. |
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In order to standard the operation on insurance assets management and prevent the existed or potential risks, China Insurance Regulatory Commission will carry out general scene survey on risk assets management to all the insurance companies and insurance assets management companies from August to November of 2008. |
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| Communication: Methods of Risk Controlling | |||
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Methods of Risk Controlling There are four ways for risk
controlling: avoid the risk, control the loss, transfer the risk and
reserve the risk. Avoiding the risk is the abandon
action taken by the subject of the investment, which keeps clear of
certain risk of loss. The easy avoiding is the most negative way dealing
with the risk. Because, when the investor abandons the risk, he also
gives up the potential revenue. Generally, only on the following
circumstances, should the method avoiding the risk be adopted. 1.
The
subject of the investment had an aversion on risk. 2.
There
are other plans which can reach to the same goal and the risk is
smaller. 3.
The
subject of the investment could not eliminate or transfer the risk. 4.
The
subject can not afford the risk or the compensation bearing the risk is
not enough. Control
the Loss Controlling of the loss is not
abandon of risk but plan and adoption to reduce the loss possibility or
reduce the actual loss. There are beforehand, in hand, and afterward
three phases of controlling. The aim of beforehand is mainly to reduce
the probability of loss, the in hand and afterward controlling are focus
to reduce of the actual loss occurred. Transfer
the Risk Transferring the risk is passing
the risk from the releaser to the releasee through contract. Through
risk transfer, the risk degree of the economic subject can be reduced
greatly sometimes. The main formats for risk transfer are contract and
insurance. 1.
Contract
transfer: Signing a contract can transfer part of or the whole risks to
one or several other participants. 2.
Insurance
transfer: Insurance is the most widely used method transferring the
risk. Reserve
the Risk Reserving the risk is actually risk
taking. When the loss occurs, the economic subject can act the payment
utilizing any fund which is available at the moment. The reserving
includes unplanned reserve and planned self insurance. 1.
Unplanned
reserve mains payment from the income after the loss occurred, not the
fund arrangement before the loss. If the economic subject does not
realize the risk and considers that the loss would not happen, or thinks
poorly about the risk which could cause the biggest possibility of loss,
the unplanned reserve will be adopted to bear the risk. Generally, be
careful when using the reserve without fund. If the actual loss is far
beyond the presumed loss, the fund turnover will be quite difficult. 2.
Planned
reserve is to arrange the fund to prepare compensation for the loss
before the loss occurred. Planned reserve is usually realized through
building obligated fund for risk. |
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| Philosophy Story: Crazy or Fool | |||
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Crazy or Fool A psychological professor paid a
visit at an insane asylum learning the daily life of the mad man. After
one day’s experience, he thought those people were all crazy and
always acting surprising, which was really a treatment. It was unaware, when he was about
to leave, he found one of the tires was stolen by someone. “It must be
some crazy who did this.” The professor was upset and was trying to
pull the spare tire up. However, the thing was getting
serious. The theft also stole the screws of the tire. How could the tire
be placed? The professor was disappointed.
When he was anxious, a crazy man jumped out singing some happy tune. He
found the professor’s problem and stopped asking what is going on. The professor was not willing to
response. However, he still told the crazy the issue considering
propriety. The crazy laughed out loudly, “I
have an idea.” He pushed out one screw from each of the other tires
and gathered three crews for the spare tire. The professor was surprised and was
very grateful, “How did you do
that?” The crazy laughed out loudly, “I’m crazy but not a fool.” In fact, there are many people, as
they enjoy their work so much that they appear so different from others
and go crazy, which is unbelievable. When they are recognized as crazy
by others, the others might be fools to them. A fool’s appearance and smart
action is a good way handling your life, especially in |
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| Knowledge in Daily Life: Hands and Health | |||
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Hands and Health Hands can forecast the
health and disease. If your hands are hot and sweaty, that shows
hyperthyroidism. If there is erythema in your hands, there may be
hepatitis or diabetes. The pale in finger tip shows obstacle in the
blood stream. The finger arthroncus shows high uric acid and gout. The
papilla on the back of hand shows the cholesterin is overtopped. And the
red lines on the hand show there might be hypertension, rheumatism or
hard disease. Massage on the different parts will
benefit both the body and mind. Massage on the palm of the hand will
improve the blood circulation of the lung and prevent arteriosclerosis.
Kneading the thumb can excite the nerve function, balance the acid base,
and treat the liver disease. Kneading the index finger can adjust the
function of digestive system, strengthen the spleen and stomach, clear
the liver and promote the function of gallbladder and treat the lung
disease. Kneading the middle finger can prevent the blood vessel of
brain and treat the heart disease. Kneading the ring finger can adjust
the function of the nervous system, improving the response, and treat
the spleen disease and epilepsia. Massage on the little finger can
enhance the function of breathing system and urinary system, prevent the
rheum, treat other infection disease and kidney disease. Massage the big
and small thenar can prevent constipation, diarrhea and pile. |
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