With increasing sharp competition, problems such as inefficient utilization of insurance capital, narrow channel, small scale, etc. have made insurance industry more risky.

保险业竞争日趋激烈，而保险资金现有的运用率低、规模小、渠道狭窄等问题都加剧了保险业的经营风险，降低了它的竞争能力。

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With global demand recovering and increasing chemical demand from emerging markets such as China, we expect that additional capacity expansions and economies of scale advantages should lead to market share and EBITDA margin growth for this division.

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