My name is Peter.I'm 11 years old.  I'm 1.40 metres. I like winter very much, because I can make a snowman and play in the snow. It's very interesting. My friend, Mike, is l year younger than me, but he is 5 cmtaller than me. He likes winter, too, because he likes ice-skating. Next winter holiday, we're going to Harbin to see the snow in north of China. It would be very cold, and we can play with snow every day!

我是拼音小能手

①能减少自己所承担的风险损失

②可以有效避免天灾人祸的发生

③把风险转移给保险人，因而是高收益的投资行为

④投保人和保险人应依法订立保险合同