信贷资产的特殊性决定了其保险定价没有成熟的模型，只能对已有的方法进行一些变换来达到目的。
The particularity of credit asset determines that there is not any mature model to pricing the insurance strategy, the only way is to change the existing methods.
据媒体报道，新《婚姻法》公布之后，不少地方的保险公司，出现了增加保单受益人或者甚至变换保单受益人的情况。
According to media report, many customers ask insurance companies to add or change beneficiary after the issue of the New Marriage Law.
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