Meteorological disaster ( mainly wind damagae , waterlog disaster and drought damage ) was classified by five categories as slight , not serious , medium , relatively serious and serious by the degree of its influence on guangzhou , and divided into 3 ranges in time : short - term ( 2000 2002 ) , medium - term ( 2003 2006 ) , and long - term ( 2007 2010 ) . through the investigation by 57 experts who had been engaged in disatser research for a long time , with application expert of assessment method ( delphi method ) the results showed that wind damage would have the greatest influence on guangzhou among the meteorological disasters . in the coming 10 years , there would be tropical cyclone influence on guangzhou almost every year , which would bring a certain extent of damage that was 10 15 % more serious than that in normal year . waterlog disaster brings less influence compared them with tropical cyclone in short term , but its influence was close to that of tropical cyclone in mid - term and even surpasses that of tropical cyclone in long - term . waterlog damage in forcasting period will be about 10 % more serious than that in normal year 将气象灾害（主要是风灾、涝灾和旱灾）对广州市的影响程度分成轻微、偏轻、中等、偏重和严重五个级别，在时间上将未来10年分成三个时期：近期（ 2000 2002年） 、中期（ 2003 2006年） 、远期（ 2007 2010年） ，通过对广州市57名长期从事灾害研究的专家的调查，再运用专家评估法，结果表明：在三种灾害中，对广州市影响最大的是风灾，未来10年几乎每年都有热带气旋影响广州，造成较大程度的损失，其损失程度约比中等年份偏多10 15 ;涝灾对广州市的影响在近期比台风小，中期与台风的影响接近，至远期的影响超过台风，整个预测期内比中等年份偏多10左右。
Article 22 when a claim for indemnity or payment of the insurance benefits is lodged with the insurer after the occurrence of an insured event , the applicant , the insured or the beneficiary shall , to the best of their knowledge and ability , provide the insurer with evidence and information which is relevant to ascertain the nature of , the cause for and the extent of the loss due to the occurrence of the insured event 第二十二条保险事故发生后，依照保险合同请求保险人赔偿或者给付保险金时，投保人、被保险人或者受益人应当向保险人提供其所能提供的与确认保险事故的性质、原因、损失程度等有关的证明和资料。
In our country , crime of insurance fraud is defined as , to attain the aim of gaining insurance compensation illegally , the insured or beneficiary ' s act of defrauding relatively large amount of insurance compensation by means of fabricating insurance object , insurance accident and accident cause , exaggerating extent of damage or creating insurance accident 在我国，保险诈骗罪是指投保人、被保险人或受益人以非法获取保险金为目的，采取虚构保险标的、保险事故及事故原因、夸大损失程度或者制造保险事故的方法，骗取保险金数额较大的行为。
In theory , the thesis constructs a new idea on effective preventing and controlling htds . in method , firstly to prevent the occurring of each disaster , it designs a set of forewarning indices to efficiently monitor and distinguish the most representative ones from all disaster causers , which is through inducing a new forewarning management method into existing highway operating system . secondly if the disaster has inevitably occurred , the forewarning system will start its emergency countermeasures to lessen the loss degree to the minim 在方法上，一是采用了社会实证调查方法，了解了高速公路交通灾害和高速公路运营管理的现状和问题，二是通过对高速公路交通灾害的各类预警指标的设计和运用，实现对各种致灾因子的有效监测与识别，以预防交通灾害的发生，并在灾害已不可避免发生的情况下，采取紧急措施将灾害的损失程度降到最小。
