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๋™๊ฐ•๋ฐ” ๋ฐ˜๊ณผ๋žŒ ์ž๋ฌผ๊ณผ ๋ฅผ๊ณ ๊ตฌ ๊ฟˆ๊ธฐ๋ฆ„ ๊พธ๊ฐ™ ๋‹ค์ด ์†Œ ์ค‘ ํ•œ ้ขจ 02 letter from CEO... ์ด์šฉ์žฌ ํ•œ๊ตญํˆฌ์ž๋ฐธ๋ฅ˜์ž์‚ฐ์šด์šฉ ๋Œ€ํ‘œ์ด์‚ฌ ์ธ์‚ฌ๋ง ้›ฒ Part 1 ์šฐ๋ฆฌ๋Š” ๋™๋ฐ˜์ž, ๋”๋ถˆ์–ด ํ•จ๊ป˜ 02 Life Partner 1... ํ•จ๊ป˜ ๊ตฌ๋ฅด๋Š” ๋Œ ์†Œ์„ค๊ฐ€ ์กฐ์ •๋ž˜ ์‹œ์ธ ๊น€์ดˆํ˜œ


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1977 ( ) (In suranc e Brokers (Reg is tration ) A ct 1977 ) (1977 46 ), (1977 7 29 ). ( ) 1. (Insurance Brokers Registration Council) ( ). (common seal). 2.. - 102 -

( ) (register )(.),,,. ( ) 1. 2 16.. 6,.,. 5 2 (whole- time agent ). 3.. 5.. 3, - 103 -

. 5. 3 2. 1... 1.,.,... 11 1 3. 16 (partner ship) ( ),. 4. 1 2. ( ) 1. ( ),,. 2. 3 16-104 -

... 1. 2 1 3. 11 1 1. 4. 16 ( ). ( ) 1. 3 4. 2. 7. 3. 28..,. 2 4. - 105 -

5... ( ) 1. ( (approved educational institution ) ). 2. (, (approved qualification ) ). 3., 1. 4. 3 1.,. ( ) 1.. - 106 -

2. 1. 3. 2.,. 4. ( 3 )... 5. (1 ). 6. 4 5. 7.. 1 1-107 -

. 8., 1. 9.,. ( ) 1.. 2.,...... ( ). - 108 -

... 3.,. 4.. ( ) 1. 1,. 2.,. 3. ( - 109 -

),.. 4.. ( (Code of Con du c t )) 10 1.. 2.,.,. ( ) 11 1. (, (practising insurance broker ) ) - 110 -

.... 2...... 3. 1 2..,.. - 111 -

4. 5 6 1985 389 1., 1960 155 1.. 5.,.. (partner ). 6.. 7.. ( ) 12 1.... 2. (grant ). - 112 -

), ) 3.. ) ) ) 4. 3... 3.,. 3.. 3... - 113 -

.,..., ( ) 13 1. (Investigation Committee).. 15., (disciplinary case). - 114 -

2., (Disciplinary Committee). 3.. ( ) 14 1.. 2.,,. 3. ( ). (, ) 15 1... - 115 -

,. 2. 11 12. 2A. ( ).. 1986. ( ) 2B. 2A. 1986 ( ). ( ) ( ). - 116 -

3.. 1.. 1.. (.. ) (, ). 4. 4. 5. 4 6. 6.. ( ) - 117 -

16 1.. 2. 1.. 10. 1 10 ( ) 17 1.. 2..,.. 3.. ( ) 18 1. 15 17-118 -

28. 2.. 3. 15 17,. 4. 15 17. ( ) 19 1., (writ of subpoena ad testificandum ) (writ of subpoena duces tecum ).,. 2. 1925 ( ) (Supreme Court of Judicature (Consolidation ) Act 1925) 49 1854 (Attendance of Wit - nesses Act 1854)( ) (High Court ), (High Court of Justice) - 119 -

. ( ) (High Court ) (Court of A ppeal) (Suprem e Court of Judicature). 3. (Court of Session ).... 4.,.... (counsel) (solicitor ), ( ).. - 120 -

. 15 2 5.. 6. 20 (proceedings). ( ) 20 1. 10 (barrister ), (advocate, : solicitor ) (solicitor ) 1 (assessor ). 2..,. 3. (Lord Chancellor ) (Lord - 121 -

Advocate).., 4.. 5.. 6.. ( ) 21 1. ( ).,. - 122 -

... 2.. 3.., 2/ 3. 4..,. ( ) 22 1. 400,.. (insurance broker ),.,, - 123 -

2. 400,..,.,, 3. 'insurance broker ', ' assurance broker ' 'reinsurance broker ' 'reassurance broker '. ( 22 ) 23 1. 3,, ( : ), (, ),. 2. 3,, (trustee in bankruptcy, assignee in bankruptcy ) (, ),. - 124 -

( ) 24,. ( ) 25 1.. 2.. 3. 1 1. ( ) 26, (, ), 1889 (Interpretation Act 1889) 26 ( ) - 125 -

. ( ) 27 1. 8, 11 14 19 10. 2. 19.,. 3. 8, 11 12 10. ( ) 28 1... 2. 30 3 3. 3. 3 4 27 3, 2, 10-126 -

. ( ) 29 1.. (approved qualification ) (approved educational institution ) 6. (approved insurer s) ( 12 3 ) 1982 1982 2 13 1, 2 14 17 ( ). (Council) 1. (Court ) (High Court Court of Session ), (High Court of Justice). (disciplinary case) 13. (employee), (employed). (enrolled) ((enrollment ). (functions ). (insurance business) (1923 1 2 1979 2 2 3 1 ) (insurance broker ) - 127 -

. (insurance company ). (list ). (practising insurance broker ). (prescribed). (recognised body of accountants).. Institute of Chartered Accountants. Institute of Chartered Accountants. A ssociation of Certified Accountants. Institute of Chartered Accountants. 1985 389 1 ( ) (register ) (registered) (registration). (registered insurance broker ). (registrar ) 8 1. 2. ( 1974 (Order in Council) ) - 128 -

. (, ) 30 1. 1977 ( ). 2.. 3. 4,. 4. 22 1 2. 1... 12, 1.. 5, 1, 1, 1. 2.1) (British Insurance Broker s ' A ssociation ). - 129 -

.2) 1.....3).,..4) 1 2..5). 3.. 4.1).. 4.. 3.2) (scheme) 2-130 -

. 5.. 6.1)..2). 7.. 8.1)..2)..... ( ). 1946 ( ) (Borrowing (Control and Guarantees) Act 1946) 1, 1946-131 -

(Loans Guarantee and Borrowing Regulation Act (Northern Ireland) 1946) 2,.3). 9. ( ).,. 10.. 1977 ( ) 1978 (S.I. 1978 N o.1393 (c.35 ) ) 1977 ( ) 30 (3 ) (S e cret ary of S tate ) 1978 9 27. 1977 ( ) 1978. - 132 -

1977 ( ) 1978 10 20. ( (register )) ( ) ( ) ( (register or enroll) ) ( ) 13 ( (disciplinary cases) ) 15 (,, ) 16 ( (restoration )) 17 ( ) 18 ( ) 19 (1) (3) ( (procedure)) 20 ( (assessor s)) 1978 ( ) (S.I. 1978 N o. 1394 ) 1978 27 (1 ) 28 (1) 1978 9 27. 1978 ( ) 1978 10 20. - 133 -

1977 ( ) 10. (S ch e dule ) 1977 ( ) 10. ( )..,.,.., - 134 -

. 3,. 2....,...,.. (1). (2) 11 12. (3) (insurance broking business), - 135 -

. (4), (needs). (5). (6), ( ). (7). (8).. (9).,. (10), ( ). (11). (12) - 136 -

. (13),,.,. (14),,.,. (15) (Advertising Standards Authority ) (Code of Advertising Practice),. (16),,.,. (17),,. (18), - 137 -

. (19), ( 15 St. Helen ' s, London EC3A 6DS ). 1978 ( ) (S.I. 1978 N o. 1395 ) 1977 27 (1) 28 (1) 1978 9 27 1978 ( ) 1978 10 20. 1977 ( ) 8 2., 3., 4. 1978 ( ). - 138 -

1978 ( ) 1977 ( ) 8 2., 3., 4.. 1978 ( ). 1. 1977 ( ). 15 2..,. 11 1.. 3 1... 3 1..,.,.... 9 1.. 10 1.. - 139 -

2. 1889 (Interpretation Act 1889) (Act of Parliament ). [ 1979 No. 490.]. (1),,, (2),,. (1) 50. - 140 -

7. (2) (registrar ). (3). (4).. (5) (1). (1) 6 (3). (2) (1) 6 (1) 50 175 ( ). (3) 6 (3), 2 (partner ship) (1) 1, 1. (4) (2). - 141 -

(1) 175. (2). (3). (4) (1). (1) 10, 1 1 1 40 ( ). (2), 14., 14. 2. - 142 -

(3) 40 10. (4) (3). 10 (1) 9 1 1 175 ( ). (2), 14. 14. 2. (3) 9 (3) 175. (4) (1) (3) 2-143 -

1. (5) (3). 11 (1) 1 175 ( ) 5 1. (2), 14., 14. 2. (3) 175 10. (4) (3). 12 (1) - 144 -

. (2) (1), 14., 14.. 13 13 14, 9, 10 11, 12. 14,,. 15-145 -

. 15 (1). (2) (1) 175 ( ). (3) 2 (1) 1 1. (4) (2). 16 (1) ( ),. (2) 15 17. - 146 -

1978 ( ) (S.I. 1978 N o. 1456 ) 1977 27 (1) 28 (1) 1978 10 9 Gener al Note 13 ( ) 2.. S.I. 1978 No. 1457, S.I. 1978 No. 1458. 1978 ( ) 1978 10 31. 1977 ( ) 13 (3) 1978 ( ). 1978 ( ) - 148 -

. 1977 ( ) 13 (3) 1978 ( ). (a) 1977 ( ). 13. (b) 1889 (Interpretation Act 1889) (Act of Parliament )., 14, 2/ 3. 3. 1 12 31.. 3/ 4-149 -

.,,.,.. 10. 1978 ( ) (S.I 1978 N o. 1457 ) 1977 27 (1) 28 (1) 1978 10 9 1978 ( ), 1978 10 31. 1977 ( ) 14 (2) (3) 1978 ( ) - 150 -

. 1978 ( ) 1977 ( ) 14 (2) (3),. 1978 ( ). (a ) 1977 ( ). 16 17,. 14 (1), 3. 13 (1) 13 (3). 13. (b) 1889 (Interpretation Act 1889) (Act of Parliament ). - 151 -

11, 5 ( 5 ), 6,. 1. 5 11., 2/ 3., 3/ 4. 3 1.,. 3, 2/ 3. - 152 -

2,. 10. ( ) ( ), ( ) ( ), ( ) 3 11,. 12,,,,. 13. - 153 -

14.,,,. 15,,. 1978 ( ) (S.I. 1978 N o. 1458 ) 1977 27 (1) 28 (1) 1978 10 9 Gener al Note S.I. 1978 No. 1457., (natural justice). 18 (High Court ). - 154 -

1978 ( ), 1978 10 31. 1977 19 (4), 1978 ( ). 1978 ( ) 1977 19 (5) 19 (4). 1 (1) 1978 ( ). (2), (the Act ) 1977 ( ). (case). (the Chairman) - 155 -

. (the Committee) 14 (1). (the complainant ).. (conviction ) 15 (1) (a). (disciplinary case) 13 (1) 13 (2). (inquiry ). (the Investigating Committee) 13 (1). (the Legal A ssessor ) 20. (party to the inquiry ) ( ),.,. (the respondent ). - 156 -

(the Solicitor ),. (3) 1889 (Interpretation Act 1889) (Act of Parliament ). 2 ( ) (1) (notice of inquiry ). ( ), 15,,.. (2). (3). - 157 -

(4), (1) 28. ( ) (1). (2),,. (3),. ( ),,,,,. 3-158 -

( ) (1).,,. (2),,.. ( ) (1). (2) ( ),,.,. (3),.,. (4),, ( - 159 -

)., 1.. (5),... (6),,., 15., 15 (2). 2. (1) - 160 -

(solicitor ). (2). (3). (4). (5). (6) 2. ( ) (1). (a) 6 ( ) - 161 -

( ) ( ) 3 (statutory declaration ) - -. (b) (a), (a) (statutory declaration )- -.. (c),. (d), 7 (3) (6). (2) 5 7-162 -

, 7 (3) (6). (3). (4). (5).. 15 (3 ) (1) 4 15 (3). (2) 18 10. ( ) 15 ( ) ( ) - 163 -

(,,, ) 10 (1) 9 2 ( ). (2).. (3). (4). (5) ( ) 2 3. 5 17 11 (1) - 164 -

( ),. (2) 2 ( ). (3) ( ).. (4) 6. (5).. (6) 2. 2-165 -

. 12 (a), (b) ( ), ( ). (a) 15 16 (b) 17 (1) 17 (2) ( ). ( ). ( ) - 166 -

( ) 13 (1) 20 (3) ( ). (2). (3).,. (4). ( ) 14 (1) 12,. (2),.., - 167 -

. (3).. ( ) 15 (1).. (2) ( ).. (3) 12. ( ) 16 7 2-168 -

.,. ( ) 17 (1) (counsel) (2) (counsel). 18 ( 6 )... 2-169 -

( ) [ ] ( ). (, 2, ).., 1977 ( ) 15 ( ) 19 ( ) ( ) ( ).... 1978 ( ) 1977 ( ). - 170 -

17 ( ). 1978 ( ) 1977 ( ) 20 1978 10 18 1978 ( ), 1978 11 10. (1) 1977 ( ). 14. 20. (2) 1889.,. - 171 -

,....., ( ). 5 6. - 172 -

1979 ( ) 1977 ( ) 27 (1) 28 (1) 1979 4 19 1977 ( ) 1979 4 19. 1977 11 (1), (2), (3) (7) 1979 ( ). 1979 ( ) 1977 11 (1), (2), (3), (7). 1979 ( ). - 173 -

(1) : 1977. (Brokerage) (broking ).. (2). 2 ( 11 (1 ) ), (1) 1,000. (2) : ( ) 1,000. ( ) (w orking capital), 1 2 K 1 2 X. - 174 -

(1) 1,000. (2) : ( ) 1,000. ( ), 1 2 M. ( ), 1 2 Z. (1),. (2) 1 8 2. 3 ( 11 (2 ) ) - 175 -

(1).. (Insurance Broking Account ). (2). ( ). ( ) ( ) (approved short term assets) 7 (charge), (encumbrance), (lien ), (right of set off), (compensation ) (retention ) (3). - 176 -

(4). (5) 3 4 8 : ( ) 6 ; ( ) ( ) ( ) ( ) (6) ( ) 5.. (a) (b) 9 2, 7 8 ( ) 1. ( ), - 177 -

. ( ) 6. ( ) 9 1 : (a), ; (b) 7 (charge), (encumbrance), (lien ), (right of set off), (compensation ) (retention ) (7) ( )(a),. 8. (b)., 4-178 -

. (c) 7 2, (be charged or deposited).. (d),,,. ( )., 8 4. ( ). (8)( ) (insurance transactions assets ). ( ) 8 1 : (insurance transactions assets ) - 179 -

,, 1 2 H. (insurance transactions liabilities), 1 2 V. (9) : ( ) ( ) ( ) 1959 (House Purchase and Housing ) 1 ( ) ( ) 5 : (a) (b), (c) (d) ( ) ( ) - 180 -

( ), (10), (charge) (encumbrance),.,,,.. (11) : ( ) : (a) 1979 ;] (b) 1969 ; (c) National Girobank ( ) assurance, reinsurance reassurance,. ( ) ; ( ). - 181 -

(a), ; (b) (c) (refunds) (salvages) (d),, (similar fiscal levies ); (e) (f) ( ) 1979 (Banking Act 1979).. (winding up) : In re Multi Guarantee Co. Ltd., Ch.D. July 31, 1984, Financial T imes Augu st 14, 1984. : ( ),. ( ) : (a), (b),, - 182 -

. ( ). (a) (b) ( ). ( ) 3. (1),., 12 12 12, 12. 12. (2) 9 (2) 6. (3), - 183 -

(1) 12. 18.,. (1) 8 (1),, 11. (1) (a) (b) (c). (1). (2) 8 (1) 1948 1967, 1960 1978 ( ). 1976. 8 (1) - 184 -

. (2)... (a) (b) (c) (2) (2), (2). (hold company ) 1948 154, 1960 ( ) 148. 10 8-185 -

,. 9 1. 11 (1) 8 9,, 1948 1967, 1960 1978 ( ). 1967 14, 1960 1978 ( ).,. (2). (a) 7 (b) - 186 -

7.,. (3) 4. (4),.. 12 11 (4), (5) (6). 13-187 -

.,,,,,, 5 14,.. : 1 2 3, 4 6, 5 (2) 10. - 188 -

1979 ( ) ( ). A. :...( ) ( (a) (b) (c) ) B. :... C. :... ( A ) D.. Full Name ( )...... (.) 8, 19 ( ) 19, 9 (2). 1 19 ( - 189 -

), 1. ( ) 10 1,. 10. 10, 1 1. 1 2. 2. < > - - 1 2 1 2 & 20 2 A H - - - - - - - - B C(=A+B) 3 4 5 & 20 5 6 7 J K(=H+J) - 190 -

- - - - - - - 1 2 7 5 & 20 5-9 & 20 9 D L E(=A+B+D) M(=H+J+L) - 10 N/A * F G(=A+B+D+F) * 1) 2 H 6 (8). 2) 2 K 3 (2). 3) 2 M 4 (2). < > - - 1 11 & 20 11 12 2 N V - - 13 14 & 20 14 P W Q(=N+P) X (=V+W) - 3-15 N/A * 16-191 -

1 2 R Y S(=N+P+R) Z (=V+W+Y) - - - - ( ) -, ( ) T U(= N+P+R+T) * 17 15 18 19 N/A * N/A * N/A * N/A * 1) 2 V 6 (8). 2) 2 X 3 (2). 3) 2 Z 4 (2). 2 2,,. 2 *. *,. 2 2, 1 9, - 192 -

.... ( ) 1 6 (7),. (, )......... 1 2 1).. 2) 1 2. 1 2. 1., 6. 2, (mid- market value). - 193 -

2.,, ( ) ( No.20 )., 2. 9 2. 1 4. 3.,,. 4. -, 12,, (bank deposit receipts),,,,. 2. 5.,, ( ), ( ) ( - 194 -

No.20 ). 12 ( ) ( ). 2. 6.,,, 2. 7. -,,,,. 2 2. (a) 1. (b). (b) 2,.( No.16 ) 8. -, 12,,,,,,,. 2. - 195 -

9. ( ) ( No.20 ), 2. (.) 10.,,,,. 2. 11.,, ( ) ( No.20 ). 12.,. 13.,, 36.( 36.) - 196 -

14.,,, ( ), 36. ( ) ( No.20 )., (a), (b ) 2. (a) ( ), (b), ( ) 15. 3 : 36. -. 16. (contingent liabilities) : ( ) 2.,,, - 197 -

, 1975 2. 1. 17. (long term liabilities) ( ) 36, 2. 18. ( ) 2. 19., ( ) 2. No.14. 20. ( ), 1948 154 1960 ( ) 148., 1970 302 533. - 198 -

2 5 (2). 1? (10 10 )... 2 1 %? (15% 15% )... 3 1 4 2 35%, ( )............... 1 2 1979 ( ),. 2. - 199 -

. 3 10. * *.... * *.... * *.... (1) (2) 1979 ( ) 3, 4, 5, 6 7 1 1 (, - 200 -

). ( * ) 10,. * *.... * *.... * *.... (1) (2), 1979 ( ) 3, 4, 5, 6 7 1 2 ( - 201 -

) 8. ( * )....... 1977 ( ) 11 (4), (5) (6). 1979 ( ) 10,.( letter.) / 1 1 19 ( ). / (a) 1 1979-202 -

( ) 6 7. (b) 1 2 1 1 2. (c) 1 2 2. (d) 1 3, 4 5 2 1 2. / 1 1979 ( ) 6 (9) 1 1979 ( ) 6 (2) (6). 1, 1,. 1979 ( ) 10, (.). / 1 2 ( ) 19. - 203 -

/ 1 2 1 1 2 2. / 1 2 2,,. /. / 1 2 1 2, 1 2 /....... :...... ). - 204 -

1987 ( ) (S.I. 1987 N o. 1496 ) 1986 1977 ( ) 27 (1) 28 (1) 1987 8 20 1987 ( ) 1987 10 1. 1986 138 (3) 1977 ( ) 12 1987 ( ). 1979 ( ). (a) 1987 10 1 1977 ( ) 14 ; (b) 1987 10 1 3 ; (c) 1987 10 1-205 -

( ) 3 (1) - 206 -

1987 ( ) 1986 138 (3) 1977 ( ) 12. 1 (1) 1987 ( ). (2) 3 (1), (2), (3) (7) 1979 ( ). (3) 1979 3 (1) 3 (4) (5), 4 (1) (2), 5 1979. - 207 -

(1) 1977 ( ). 7 (1). (insurance broking business) ;, ; 6. 16 (4). 9 (2)., 2, 3 (1) ; 9. 11 (1). (partner ), (former partner ) ;. 11 (2) ; 10, 11 12, 1986 44, (former employee) ; (Conduct of Investment - 208 -

Business Rules) 2 ; (Conduct of Investment Business Rules) 1988 ( ). (2),,. (3) 10 12 (appointed representative) 1986 44.,,. 2 (1) ( )., ( ), ( ), - 209 -

. (2). ( ). (A ) : (a), (b ),, (defamation ) (c), (B) (a ), (b ),. (aa). (bb ) 2 (i) (A ) (c) 2 (i) (B) (a ) (, - 210 -

1986 44 ),. (ii). 12. (A ), (B) 5,000,000. (A ) (a ) 250,000 (b ) (last accounting period) 3.,. (aa) 5,000,000. (bb ) 250,000. (B) (a) 500,000 (b ) 3. (iii), (2) (ii) (A ) (B) 1-211 -

. ( ),, (act ), (2) (i), (ii), (iii). (v ),. ( ) 1987 ( ). (3) (i) (2) (ii) (a ) (last accounting period) 2,.,. (b ) 12 12. (ii) (2) (iv ) - 212 -

. (4) (a ). (i) (ii), (iii) (iv ) (v ) (vi) (b ). (i) (ii) (c). (5). (i) - 213 -

(ii),,, (iii),, (iv ) (v ) (6). (i) (ii) (iii),,,, (7). (a), (b) 4 (1) 3,, (cover note) - 214 -

. (a) 14 (b) 14 (2) 14. (3) (1) (2), (cover note),. (4), (5). (5) (a ) ( ) ( ) ( ), ( ) ( ) ( ) - 215 -

(b ) ( ) ( ) (iii) 1889 (Commissioners for Oaths Act 1889) 6 (iv ) (i), (ii), (iii) 5. (1) (2) (insurer ) (3),, 3 6,,, - 216 -

( )., 1980 12 1,,. 2 (unit ) 1986 12 18, 1986 75 (8) (open - ended),. 7 (1) ( ), (i),,,, (ii),,. (2) - 217 -

. (3) ( ). (4) 8 (insured) (insurance) assured assurance. 8 (1) 6 ( 7 ), 7. (2) 6 7 1986 1 (2),,,. 9 (1) ( ). - 218 -

(2),. (3). (4),. (i) 6 1 (ii) 10 (1) 9. (i) (a). (b ). (c).., - 219 -

. (ii) 13 (5). (2) 20, 2 1. 11 (1) 1 1 (calendar year ) ( ). - 220 -

10 1 50 1 100, 400 : 51 200 (a ) 50 1 100 (5,000 ); (b ) 1 80 : (a ) 50 1 100 (5,000 ); 201 1,000 (b ) 50 1 80 (12,000 ); (c) 1 60 : (a ) 50 1 100 (5,000 ); 1001 2,000 (b ) 150 1 80 (12,000 ); 2,000 (c) 800 1 60 (48,000 ); (d) 1 40 : (a ) 50 1 100 (5,000 ); (b ) 150 1 80 (12,000 ); (c) 800 1 60 (48,000 ); (d) 1,000 1 40 (40,000 ); (e) 1 20 (2) 9, (list ) ( ), (1).. - - - - - - - - - - - - - - - - 221 -

. (3),, 400. 12 (1) (i) 10 11,,,. (ii) (1) (i) (1) 13 (5).,. (iii) (1) (i) (ii). (2) (i) 10 11, - 222 -

. (ii) (2) (i) 13 (5). (3) 10 11 (1),. (4), 1985 736 1986 ( ) 4. 13 (1). (2) (1). ( ) ( ) ( ) (3) (1) 1, - 223 -

National Westminster Bank 4%. (4). (5) 8. (6),. (7) (1). 14 (1) (i),. (ii) 6. (2) (statutory declaration ),. (3) - 224 -

. (4) ( ),. (5) (4). (6), (4). (7),,. (8),,, - 225 -

. (9). (10). (11),,,,. 15 (1) (Grant Fund),. (2) (lender ),. (3). ( ) ( ),, ( ) ( ) ( ) 14, 17 18 ; ( ),, ( ) - 226 -

(4). ( ) ( ),,,, ( ) 17 ( ) ( ) 14 18,, ( ) ( ) 16 3. (1) (2),,, 4 (m is c ellan e ou s ) - 227 -

17. ( ),, 3 (1) (2) ( ) 18 (1) 3, 17,,,,,. (2) (omission ), 17,,. 19-228 -

, (broking ) 2. 2. 1980 ( ) (S.I. 198 0 N o. 62 ) 1 1980 ( ) (T he Insurance Br oker s Registr ation Council Election Schem e Appr oval Order 1980) 1980 3 1. 2 ( ) 1977 2(2)(a), 1979 ( ). 1979 ( ) ( ) 1977 2(2)(a). 1-229 -

1 1979 ( ). 2 - (1) 1977 ( ) "county" "Greater London" Local Government Act 1972 London Government Act 1963. 9 (Registrar ). (2) 8, 15, 24. (a), (b) 8 (2) (c) (3). 3,,, 10, 13, 20, 26 8 (2) 5., 5, - 230 -

. 2 4 12 (a) 5, 6 ( ). (b) 6 ( ). 5 6 (a) (central con stituency ) ;Clw yd, Gwynedd, Powy s, Cheshire, Gr eater Manchester, Her eford, W orcester, Lancashire, Mer sey side, Salop, Staffordshire, W arwickshire, W est Midlands (b) Bedfor dshir e, Cambridgeshire, Derby shire, Leicester shir e, Lincolnshire, Norfolk, Northamptonshire, Nottinghamshire, Suffolk (Eastern Constituency ) (c) Greater London United Kingdom (Metropolitan Constituency ) (d) : Cleveland, - 231 -

Cumbria, Durham, Humber side, Northumberland, T yne and Wear, North Yorkshir e, South Yorkshire, W est York shire (e) Berk shir e, Buckingham shire, E s sex, Herfordshire, Kent, Surr ey ( South Eastern Con stituency ) (f) Dyfedd, Mid Glamorgan, South Glam or gan, West Glam or gan, Gw ent, Avon, Cornwall, Devon, Dor set, Gloucestershire, Hampshire, Isle of Wight, Oxfordshire, Somer set, East Sussex, W est Sussex, Wiltshire ( South Western Constituency ) 6 (1) 2(1) 1981 11 30. (2) (a) 1981 11 30 1981 12 1 32 6 6. (b ). (3). (a ) (b ) 90 (c) (d), Mental Health Act 1959 Part VII (4) (5),, 4. 1981 12 1 1983 11 30. - 232 -

(5) 12, (24 ). 3 (R eturnin g Offic e r ) 7 (1) 6. (2) 6(5) (casual vacancy ). (3) ( ). (4) ( 24 ),,. 8 (1) 5-233 -

. (2) 21 A, B C, D. 9 (1) 8 (rule) (fee),. (2). (3) 8(1). 4 (N om in ation s ) 10 (1) (a) 5. (b) 6. (2) 6-234 -

. (3) C D. (4), (statement ). 11 (1),. (2),,. 2 8(2). 12, 8(1) 5. - 235 -

13, 4 5. 5 (Ele ction s ) 14 (a),. (b),. 15 (1), : (a), 21. (b), (, ) (c), (d) ( ) ( ) ( ) (iv ) - 236 -

(2) 6 6. (3) 4 6 6 6. (4) 11(2). (5), 17, 25, 26, 27.,,,. 16 (1). (2),. 6 (Con du c t of P olls ) 17 (1), 7,,, 300. (2) - 237 -

19. (3),,. (4). (a ). (b ),, 3. 18 (1),, (Declaration of Identity ). (2) 8(2). (3) E. (4) F G., H I. 19 (1) 8 ( ), - 238 -

, 17. (2),,,.. 20. (a). (b). (c). 21 (1). (a). (b). (c). (d). (2) 20. - 239 -

22,. 7 (D e claration E le ction ) 23 (1),. (a), (b), (2) (certificate),. 24 (1) (a) (b), (c),,, - 240 -

.., ( 30 ). (2). (a) (b ) (c), 1959 PART VII 8 (Ex pen s e s of Can didate s ) 25 (1) 17(2),. (2),,. - 241 -

26 14 J (statutory declaration ). 27 (1),,,. (2) (fact ). (3),,,,. (4),,,,. (5). (a),,,,,, (b ),, (6),. (7). - 242 -

9 (V alidity E le ction ) 28 25 28, 23.. (a). (b) 25(2), 27. (c) (the Representation of the People Act ) 99, 100 101,,. (d) 25(1), 26. 29 26 23. 30 (1) 28 29. (2),,, - 243 -

. (3) 24. (a ) 28(c). (b ). (c). (d) 26. (e) 25(2) 27. (c), (e) 25(2), 27. (4),. 31 30(4),. 32 6 28, 29. - 244 -

A ( 8 (2 ) ) 1979 (Ele c tion S ch e m e ) 8 (2 ) (Constituency ) (,,,, ) 1 (registered addresses)*. 2 (constituency member ) 6.... 3. 4..... 5.......... - 246 -

(returning officer ) ) 9. B ( 8 (2 ) ) 1979 (Ele c tion S c h em e ) 8 1 (member ). 2 6.... 3,.... 1. 4 :... (Date)... (by )... (Returning Officer ) [a] - 247 -

C ( 8 (2 ) ) 1979 (Ele c tion S c h em e ) 8 (2 ) (Constituency ) (,,,, ) 1,...., ( 1 ) ( 2 ) 6. 2-248 -

( 1 )., ( 1 ) ( 2 ) 1 9.. ( ) ( ) ( ) ( ) 3 8(1) - 249 -

5. 4...... 5....... (fisrt post ). 5.. 6. (a) Cywd, Gwynedd, Powy s, Cheshire, Greater Manchester, Herefor d and Worcester, Lancashir e, Mer sey side, Salop, Staffordshire, W arwickshire, W est Midlands (Northern Ireland). (b) Bedfordshire, Cambridgeshire, Derbyshire, Leicester shire, Lincoln shire, Norfolk, Northamptonshir e, Nottingham shire, Suffolk. (c) Greater London. (d) Cleveland, Cumbria, Durham, Humber side, Northumberland, T yne and W ear, North Yorkshire, South Yorkshire, W est Yorkshire. (e) Berkshire, Buckingham shire, Essex, - 250 -

Hertfordshire, Kent, Surr ey. (f) Dyfedd, Mid Glamorgan, South Glamorgan, W est Glamorgan, Gw ent, Avon, Cornw all, Devon, Dor set, Gloucester shir e, Hampshire, Isle of W eight, Oxfordshire, Som er set, East Sussex, Wilt shire. D ( 8 (2 ) ) 197 9 1.,, (Note 1 ) 6,.,,, - 251 -

.,, ( 1 ) 1. ( ) ( ) (member s) ( ) ( ),, (separate sheet s) 2 8 (1) 5 (arrangement ) (composition). 3-252 -

...,... 5.... 4.. E ( 18 (3 ) ) 6 1... (,,,,, ),... ( )....... 2... ( )....... F (18 (4 ) ) - 253 -

197 9 (Constituency ) (,,,,, ) 1 ( ). 2 X. 3.... 4. 5........ 5 12 1 4. X : - 254 -

. 9 G ( 18 (4 ) ) 1979 (,,,, ),, ( ( ) ) : 9. H ( 18 (4 ) ) - 255 -

1979 1. [ ] 2 1 X. 3.... 4. 5........ 5 12 1 4. X 1994 ( ) - 256 -

: 1994.10. 1 : 1994.10. 6 : 1994.11.21 1977 (a) ( ) 27 (1) 28 (1),. 1. 1994 ( ), 1994 11 21. 2. 1977 ( ) 10. 3. ( ) 1978 (b). Neil Hamilton 1994.10.1 1977 ( ) 10, 1977 ( ).,. - 257 -

, 1986 (a ).. (advertisement ) 1986 44, (advertising ). (appointed representative) 1986 44. 1988 (b) ( ). 1..... 1986. - 258 -

. (gross negligence),. 2. A - H.. A.. B.,.. C.. D.. E.. F.,. G. (Practice Notes). H. - 259 -

1986 (a) 47A.. (1). (2). (3),,,,.. (4) 3,,. (6). (7),. (8). - 260 -

. (9). (10) 1986 44. (11),,,.. (12). (13),... (14). - 261 -

. (15),. (16),. (17)... (18). (19),,. (20),,... (21).. (22) - 262 -

,. (23) (British Code of Advertising Practising ).. (24).. (25),. (26) (, ),. (27), 8. (28) 8. (29). (30) - 263 -

1986. (31) 15 St Helen ' s Place, London EC3A 6DS. (32). (33),. 1994 9 23. : Peter Milne E. J. Rees - 264 -

(A B I) - (interm e diarie s ) 1989.1 1982,. (ABI). (with utmost good faith and integrity ). ( ),.. ( ),,,,..., 51 Gresham Street, London - 265 -

EC2V 7HQ.. A. 1. (intermediaries) ( ),. ( ).. (a ). (b ). (c) 6. (d) (independent intermediary ). ( ). ( ). ( ). - 266 -

2. ( ). ( ). ( ). B. ( ). ( ). ( ). ( ) ( ) ( ). ( ). ( ). C. - 267 -

( ). ( ). D., ( ). ( ). ( ). E.. F.. G. (Claim ) - 268 -

, 3.. H... I. (Lett ers of A ppointm en t ),. - 269 -

< > (N on - re g is tere d in depen dent interm e diarie s ). EC. (a ). (b ),,,,, (self- insured excess),. (c). (d),,.. A. ( 12 ). (a ) 3 250,000. - 270 -

5,000,000, 250,000 1. (b ) 3 500,000. 5,000,000. B. A (a) A (b ) 1%. 2%. C.. (a ) ( ),, ( ),, ( ) ( ) ( ),, (b ) ( ) ( ) ( - 271 -

),, ( ) D. (g en eral bu s in e s s ). - 272 -

< > 1.. 1.1 / 1.2 (,, ). 1.3 1.4.,. 1.5, - 273 -

,.. 1.6 (Criminal Conviction ) (moral hazard). 1974 ( ). (ongoing requirement ). 1.7 IBRC IBRC. 1977. (technical breaches ) (criminal convictions )... 1.8. (slip basis ) - 274 -

,.. 2.,.,... 3. 6.. 6,,. 6-275 -

,. ( 2 18.1.3 ),. ( 2 18.1.1 ). 4., ( ). 5.. 6. - 276 -

(A B I) 1. 1.1 1989 1 1, 1989 7 1. 1.2. DT I. 1.3, DT I.. 1.4 (1 ). 2. 2.1, - 277 -

,... 2.2. 2.2.1.,. 3. 2.2.2 ( )..,,,... (, - 278 -

(indemnity ) (new for old) )... 2.2.3.,,... (creditor insurance) (redundancy cover )... < >, 3, 3..,, - 279 -

< >., < > 6, ( ),, < ( )>, ( ),,,, < >,., < / > ( : ) < / >, - 280 -

< >., ( : ) 3. 3.1.. -. - ( ). 1 1. -. (Enclosure A ). -. -,, / - 281 -

. 4. (Insurance Ombudsman Bureau ; IOS) (Personal Insurance Arbitration Service ; PIAS ). 5. 5.1-6 6,. 5.1.1, 6. -,. -,. -. - 282 -

6,.. 5.1.2 6.,,.,, ( ). 5.1.3 (Add- on Insurance) (legal cost insurance) 6.,. ( )., - 283 -

. 5.2 -. (specialist market ) 6. 5.3 (Member - get - Member Schemes), (some kind of payment ).,,. (original guidance).. (associated administrative ramifications).. 6. 6.1-284 -

. 7. 7.1.,.. 8. 8.1 ( ). 9. (D e c laration of S tatu s ) 9.1. 9.2,,, - 285 -

. (standard documentation ). 9.3. 9.4.. 10. 10.1. 10.2. 10.3,. 10.4. 10.5 (the Law Societies of England and Wales, Scotland and Northern Ireland). - 286 -

11. / 11.1. -. -. -. ( ) ". 1. 12. 12.1,. 13. 13.1 ( 12 ) (4 ). - 287 -

LLOY D 'S COD E OF PRA CT ICE F OR LLOY D 'S B ROKE RS 1988 7 6 (1988 N o. 5 ) 20 1988 11 1. 1988 7 6 1.. 2.. - 288 -

3. 1977. 3. A.. B... C.. 4. (1988 No. 5).. 5... 6... - 289 -

7... 1988 7 6. IBRC. IBRC. 1. 1.1. 1.2 (, - 290 -

).. (1). (4). 1.3.. 1.4. 2. 2.1. - 291 -

2.2... (6). (!0). (11). 2.3. 2.4, - 292 -

. 3. (13),,. 3.1... 3.2., (1983 No. 4) ( ) - 293 -

. IBRC. 3.3. 4. (5). (7). 4.1,.. 4.2 EEC - 294 -

.. (a) EEC. (b) 1975. (c) /.. 4.3. 5. 5.1. - 295 -

5.2. 5.3.. (14),,.. 5.4.. 5.5.. 5.6-296 -

.. 6. (9).. 6.1... 6.2. 6.3.. - 297 -

6.4.,. (8).. 7. 7.1. 7.2... 7.3. - 298 -

7.4.,,. 8. ( :.) 8.1.... 8.2. - 299 -

. 8.3. 9. 9.1. 9.2.. 9.3. 9.4. - 300 -

9.5. 9.6.. 9.7.. 9.8 2 ( ). 10.. - 301 -

. 11. (12).. 12.. 13. 13.1-302 -

... (19) 15 St. Helen ' s Place, London EC3A 6DS. 13.2 IBRC (No.2).. 14. (3). - 303 -

14.1 (Lloyd' s T raining Centre and the Chartered Insurance Institute),. 14.2. 14.3. 15.. 16. 16.1. 16.2. - 304 -

(2) (1977) 11 12. (15). (16).. (17),. (18). - 305 -

2. ( ) - 306 -

(1996.4.1 ) ( ) 2, ( ). 3 3 ( ) 286. ( ) 287. 1., - 309 -

2. 3. 4. 5.. 1. 289 1 1 5 7, 8 ( 6 ), 9 ( 6 ) 10 2. 3. 2 ( ) 288 286 1 3. 1. 1 2... ( ) - 310 -

289. 1. 2. ( ), 3 3. ( ) 3 4. 307 1 286 3 ( 30 3 ) ( ) 3 ( 30 3 ). 5. 6. 3-311 -

7. (. ), ( ), ( ) 8. 9. 1 7 10... 3. ( ) 290. 1. 287 1-312 -

2. 3. 4. 5. ( ) 6. ( ) ( ). 1. 1 2 6. ( ) 291.. ( ) 1-313 -

.. 1 ( 3 ).,.. 6 (. 10 ) 2 2 ( 3 ),. 1,. 1 4 8. 1. 1 2 6 2. 307 1 2-314 -

3. 2.. ( ) 292 1 ( 3. ). 1. 2. ( ) 293 543, 544 546 550 ( ) - 315 -

( ). 4 ( ) 294. ( ) 295 (. ). 100 50. ( ) 296-316 -

. 1., 2. 3. 4. 3 ( ) 297,,. ( ) 298 546 1 ( ) ( 293 ). ( ) 299. ( ) 300 ( ),, - 317 -

. 1. 2. 3. 4. 5.,, 6. 7. 8. 5 4 2 ( 187 3 ). - 318 -

301 ( 107, 194. ) ( 107, 194. ). 1. 2. 5 ( ) 302. - 319 -

. ( ) 303. ( ) 304 3. ( ) 305,,. ( ) 306, - 320 -

,. ( ) 307, 276 286 6. 1. 279 1 1 3 4 ( ), 5, 7, 8 ( 6 ), 9 ( 6 ), 10 11 289 1 1 3 4 ( ), 5, 6, 7, 8 ( 6 ), 9 ( 6 ) 10 2. 276 286 3.,, - 321 -

, ( ), 30,,. (1993 88 ) 3 ( ). ( ) 308,. 1. 1 2 276 286 2. 280 3 276 290 3 286. 285 1. - 322 -

3 ( ) 38 275 3 19 1 3. ( ) 39 281 1200, 1800.. ( ) 40 282 3. 1. ( (.) ( ) ), 2-323 -

, 2. ( ) 2, 2 ( ) 41 291 2 4., 3 3 ( 44 ) 3, 3, ( 4 4 8 8 ). ( ) 42 291 3, ( 219 5-324 -

. 44 ),. 1. 291 4 ( ).. 1) 291 1 ( 3 ), 2. ( 313 291 3 5, 8, 10 11. ) ( ) 43 291 6 ( ). 291 1, 4 8-325 -

60, ( 4 ) ( 291 3. 4 5 ).. 2,.,,,.,,. 80,. 2, 4 5. 291 9, - 326 -

.. ( ) 44 292 1 ( ),. 1. ( ) 2. 3. 1 4. ( 313 292 1 2 ), 5. - 327 -

291 1 4. - 328 -

1.,.,.,,., (tariff),.. 2...,,,. 3..,..,,. - 330 -

,,.,,.. 4.,,,,.,. 5.,.,. 6.,., - 331 -

,.,,. 7.,.,.. 8.,. 9. 6. 10.,.. 11.,,. - 332 -

12.,. (Co de Mo ra l),,,.,. 3 : 1). 2),. 3). - 333 -

4).,. 5),,. 6). 7). 8). 9),. 10),,. 11)., 1-334 -

. 12). 13), 1. 14). 15),. 16),,. 17),.,. 18). 19).. - 335 -

20),.. 21),. 22).,. 23) ( ). 24),. 25),,,. 26),. 27). 28),,. 29),. - 336 -

30),. 31),,.. S NCAR FFS A 1975 11 12 S N CA R 1977 12 5 (..).. 9 Chausseé d ' Antin 3. Michel Gaudet Guillaume Legrand.. 8 Am - sterdam - 337 -

31. Raymond Jutheau Philippe Quennouelle.,., FFSA SNCAR, 1,.,. 1 1.,., (4-2 ),.. time- stamp (l' horodateur ) carnet s 2. a) 2. - 338 -

,..,. b) ( ),. 3.,,,.,,.,,.,,,. 3., 2 a) b). - 339 -

, (, ). 4. a) /,. b) /,,. c),. 5. 2 3, 1,.,. 3,,. ( ), - 340 -

,,. 2 1. ( ) a) 1930 7 13, 5.,. b ),.,,. 2.,.,,., - 341 -

,,,. a)., ( ) 2 (15 ),. b) ( ), 1974 7 1 IRSA..,. 3. 3,. 3 ( 1 ),,.,. 3-342 -

1.,, 1. 2., 1..,.. 1. 3. 15,. 1975 11 12 1975 11 12, FFSA SNCAR. - 343 -

,,. A. 1) 1975 11 12, 15,..,.,,,. 2).,.. 3),. 4),.. - 344 -

, ( ). B., 1. ( 3, 2 1 ).,.,,., 2.,, 15.,,., ( ). C., ( 3 2 2 )., - 345 -

. D.,. E., 10.. A. 1.. CIDRE (Convention d 'indemnisation direct et de renonciation à recour s dégâts de eaux, ),,.. SNCAR.. - 346 -

2..,. API,. 1975 3,.. 3., CIDRE.,. CIDRE,. CIDRE,,,. - 347 -

B.,.. a),, (, ),. b) ( ).. c)........, ( ).,.. d). - 348 -

(,, ).,,. e). 1975 11 12 B ROKER M ODEL,, 2. 1. 2. < >. 1.. 15-349 -

. 15, 15. < >,,.,,..,.,,,,.. - - 350 -

., S NCAR GAC I (SNCAR) Partick Lucas (GACI) Francine Lugagne 3. 15,. Philippe Quennouelle Francois Jaeger.,,,.. - 351 -

, Scrivener. 3 5. Quennouelle.,. < >,.,,..,, : 1., - 352 -

2. 3. (,,,, ) 4. ( ). 1.,,, 2., 3., 4..,. 5..,. 6.,.. - 353 -

7. 8. / 9.. 1. :, ( ) 2.,... 3., 4. a ). b )., - 354 -

. c) 3 d)... e).,.. : 1... 2. 3. : 3 4. - - - 355 -

5. (1991 3 ) ( ) 1. ( ) ( ). 2., a ). b ),. 3.. 4.. 5.. ( ) 1 ( : ) - 356 -

.,.. a ) b ),,,.,,.,. - 357 -

2 ( ) (prospect ). 1 : (,, ). 2 :. 3 ( ) 1.. 2.. 4 ( ) 1.,,.. - 358 -

.. 2..,.,..,. 3..,. a ),... - 359 -

1 :.. (, - - ) 2 :. b),. 4.,. : 5 ( ) 1 : ; 1... 2. - 360 -

.,.. 3.. 3. 4.,.,. 2 :. 6 ( ) - 361 -

:, ( ). 7 ( ).. - 362 -

1 ( ) (a) (applicant ),. (b) (board of inquiry ). (c) (certificate). (ca) (commissioner ). (d) (complaints committee). (e) (council). (f) (contract ),. (g ) (corporation). (h) (Discipline Committee). (i) (incapacitated ), - 364 -

. (j) (insurance),. (k) (insurance agent ). (l),,. ( ),,. ( ), (risk management service) ( ) ( ),,,,,. (m ) ". (n ) ",. (o) (minister of consumer and commercial relations). (p) " (misconduct ). (q) (per son ). (r ) (public),, - 365 -

. (s) (qualification and registration committee). (t ) (registered insurance ),. (u ) (superintendent ). 2 (1) ( ),. (2) ( ) (1). (a ), (b) (c) (d),, (e), (f) - 366 -

(g ),,,,,,, (h ) ( ) (trustee) (i),,,, (j ) 3 (1) ( ). (2) ( ), R.I.B.(Ont.). 4 (1) ( ) - 367 -

. (2) ( ). 5 (1) ( ). (2) ( ),.,. (3) ( ) 1. 6 (1) ( ). - 368 -

(2) ( ). (a ) 8. (b) (the lieutenant governor in council) 3. (3) ( ), 4 1. (4) ( ) (2) (a) 3 4, 5 4, 8. (5) ( ) (2) (b ) 4,. 7 ( ). (a ) (b ) 8-369 -

(1) (, ). (2) ( ). (3) ( ) 1. 9 (1),. (2). 10 (1) ( ) 4-370 -

. (a ) (b ), (c), (d) (e) (f) (g ) (2) ( ) 1,,. 11 (1) ( ). (a ) (b ) (c), (d),, - 371 -

(e),, (f), (g ), (h),,, (i) (j ), (k ) (l), (m ),,,,, (n ). (o) (p),, (q) (r ) (2) ( ) (1) (a ), (b ). - 372 -

(3) ( ),,. 12 (1) ( ). (a ) (b ) (c). (2) ( ). (3) ( ) (2) 4. 13 (1) ( ) - 373 -

., (2) ( ),. (3) ( ). (4) ( ),. (5) ( ),,,,,. 14 (1) ( ) - 374 -

,. (2) ( ) (1). (3) ( ) (1) 15. (4) ( ) (3),. (5) ( ) (statutory power s procedure act ) 15 16. (6) ( ) 19 (2), (3), (4), (5) (7) (8). - 375 -

(7) ( ). (a ) (b) (c),. 15 (1), 1. (2) ( ). (3) ( ). (4) ( ) 1. - 376 -

(5) ( ). 16 (1) ( )., (2) (a). (a), 2 (b) (2) ( ). (a) (b) (a ) (c), 17 (1) ( ), - 377 -

4,. (2) ( ). (3) ( ) 1. (4) ( ) 1 5,. (5) ( ) 1, (4) 3,. (6) ( ), - 378 -

. (7) ( ). 18 ( ) (1). (a), (b) 16 22 (c) (2) ( ),. (a), (b) (c) (d), - 379 -

(3) ( ),. (a), (b) (4) ( ),,. (5) ( ), ( ). (a ) (b ), (c), (d) (e). (the consolidated revenue fund), - 380 -

. (f), (g ). (6) ( ),. (7) ( ),,,. (8) ( ),. (9) ( ), - 381 -

. 19 (1) ( ). (2) ( ). (3) ( ),. (4) ( ).,,. (a ) - 382 -

(b ) (5) ( ),. (6) ( ),. (7) ( ). (8) ( ),,. 20 ( ) (1), 2 1-383 -

. (2) ( ),.,. (3) ( ) (2).,.. (4) ( ),. (5) ( ),,,., - 384 -

. (a), 5 (b), 5,. (6) ( ),. (a ). (b ) ( ) ( ) ( ) 21 (1) ( ). (2) ( ) - 385 -

,,,,. 22 (1) ( ). (2) ( ),,.,,. 23 (1) ( ),, - 386 -

. (2) ( ). 24 (1) ( ),. (2) ( ),,,,. (3) ( ) - 387 -

, (committee). (4) ( ) (1) (2). (5) ( ) (2),. 25 (1) ( ),,,. (2) ( ), 2. - 388 -

(3) ( ),,,. (public inquiries act ),. (4) ( ),,. (5) ( ),,,,,, (3),,,,., - 389 -

. (6) ( ) (3) (5),,,,.,,,. (7) ( ),,. (8) ( ). 26 (1) ( ) 25,, 25.,. (a) - 390 -

(b ), (c) (2) ( ),, ( ). (3) ( ),,,, ( ). 27 (1) ( ) 357 (4) ( 400 (4) )., 1972 4 27. - 391 -

(2) ( ) 1972 4 27, 50%,. 28 (1) ( ). (2) ( ) (legal process). (3) ( ). 29 (1) ( ) 28, 1-392 -

. 5.. (2) ( ) 1 28.. (3) ( ),,. 30 ( ). 31 (, ),, - 393 -

,,,,,,. 32 (1) ( ). (2) ( ),,,. (3) ( ) (1),,,. 33 (1) ( ). - 394 -

(2) ( ). 34 (1) ( ),, 10 6. (2) ( ), 20. (3) ( ) 5. 35 ( ). (a),, (b ) - 395 -

(c),, (d) (e) (f) (standards of practice) (g ) (h) (i) (j), (k),,,,, (l) (m ) (n ) (o), (p), (q) (r ) (s ) (t ) (u ) - 396 -

36 (1) ( ),. (2) ( ), 6. (3) ( ),. (4) ( ) 5 2,. - 397 -

5. 1,,, 1. 2 3 (1) 2A, 2B 2C ( ). (2) 36 3A, 3B 3C 1981 10 15. 4 (1) - 398 -

9 30. (2) 4A 4B 30. 5,, 30. 6 (1),. (a ) ( ) ( ), ( ) ( ) ( ) - 399 -

( ) (b ) ( ) ( ) ( ) (2) (1) (b ). (a ) 36 (b) 1981 10 1, (c) 1981 10 1 (3) (1) (a ) ( ) ( ). (a ), (b), 7 (1) - 400 -

. (a ) ( ) ( ) ( ) (b), (c), (d) (2) (1) (a). (a ) 36 (b) 1981 10 1 (c) 1981 10 1-401 -

(3) (1) (c). (a ) 36 (b), 1981 10 1. (4) (1) (c) 1981 10 1. 8 (1). (a ) ( ) ( ) ( ) (b),, - 402 -

(c) (d) (2) (1) (a). (a ) 36 (b) 1981 10 1, ( ) (c) 1981 10 1 (3) (1) (c). (a ) 36 (b ), 1981 10 1. 9-403 -

(a ), (b ),,. 10 (1) 21. (2). (a ) (b ) (c) (d) 11 (1) - 404 -

. (a) 1. 2.. 3.. 4.. (b ) (c) (2),.. (3) 3, 6, 9, 12 30 (a), - 405 -

(b). 12 (1) (a ), (b ). (c),., (d) 10. (2) (1) 10%. 13 (1), - 406 -

. (2) (1). 14 (1) (Real Estate and Business Broker s Act ). (2). 15. 1.,,. 2.. 3.. 4.,. - 407 -

5.,,,. 6.,. 7.,,. 8.,,. 9.. 10.,,. 11.. 12.. 13.,,. - 408 -

16 (1). 1., (illustration circular ) (memo),. 2.,, 3. ( ),,,, 4.,,,,,.,,,. 5. - 409 -

,,,, 6.,,,, 7. 8. 9. 10... 11. 1981 10 1 1981 10 1 12. 13., 14. - 410 -

(2) 10 (1) 1982 3 31 301. (3),. 17 (1) (2) (3),.. (a ) (b ) (c) (d) (e) (2) 4-411 -

. (a ) (b ) (c) (d),. (e) (f) (4), ( ), 3.,. (5),. (6). (7), - 412 -

30. (8),. (9). 18 (1),. (a ) (b ) (c) (d),,,,, (2) (1). - 413 -

(a) ( ), ( ) ( ) ( ) (b), (c),,, (d) (e) (3),. (4), 30. (5) (generally accepted accounting principles ) - 414 -

. (6),, Loose- leaf,,. (7),. (a) (b) (8), Loose- leaf book (7) (b). (9) 6. 19 (1) - 415 -

. 17, 18 22 (2) (1) 17, 18 22. (3) (1) (1) RIBO. 20,,. (a ) 2,500 (b ) 5,000 21 (1),. 1 50. (a ) (b ) - 416 -

(2) 1,,,. 10. (3) (1) (20), 30.. (4)., (1) (2). 22 (1), 90 1. - 417 -

. (2) (1) 9 1 6. (3) (1) (2), 9 1 6. (4) 30. (5) (1) 1 1981 3 30 1981 10 1. 23 5,000, 2 5,000. - 418 -

24 36 (3) 5. 25,, (RIBO Bulletin ). - 419 -

6. ( ) - 420 -

F ederal A s s ociation of Germ an Ins urance B rokers e. V. (B D V M ) 200 BDVM?.,.., 1918 (Association of Hamburg Insurance). (A ssociation of German Insurance Broker s), 1989 200, 5,000. BDVM,.,. BDVM BDVM ( ),.., - 421 -

... BDVM.,.,,.,,. 3 DM. BDVM, BDVM.. ( ) BDVM BDVM 1.. 2., (German - 422 -

A ssociation for the Protection of In sur eds, D.V.S.), (German T rades Council). 3. FRG(Federal Republic of Germany ) (Insurance Advisory Council of the Federal Supervisory Authority for the Insurance Industry ). 4.,,. 5.. 6. 1 1,.,. 7.. BDVM,., (Standing Committee of Insurance Salesmen in the German Insurance A ssociation ), (Loss Prevention Commission of the German Marine Insurance Association ). BDVM EC Bureau Int ernational des Producteur s d 'A ssur ances & De Reassur aces (BIPAR). - 423 -

1. : F eder al A ssociation of German In surance Broker s e. V. : County Court, Hamburg 2... 3. 1..,.,.,... 2... - -,. - 424 -

3.. 4. 1.. (1) FRG. (2). 5. 1. a) (1) (2) 3. 3,, 3. b ) Federal Supervisory Authority. c) AGM (A ssemblagee General de Members = general A ssembly of Member s),. 2. a ),. - 425 -

. (1) (2) (3) (4)., 2. a) 1. 6. 1.. 3, 1,,. 2., 1. 3. 3, 4 5. 7.. 8.. 3 5 1, 4. 12.,. - 426 -

,. 9.. 4.. 10. 1. AGM. 2.. 3., AGM. 11. 1.. 2.. 3.. 4. 3, 4 5. - 427 -