国寿金账户年金保险(万能型)条款

国寿金账户年金保险(万能型)条款 阅 读 指 引 本阅读指引旨在帮助您(投保人,以下含义相同)理解条款,本合同以条款具体约定为准。 ((((((((((((((((((((((((((((((((((((( 您拥有的重要权益 , , 被保险人可以享受本合同提供的保障.....................................第五条 , 您有部分领取个人账户价值的权利.....................................第十七条 , 投保后十天内您可以按约定要求退还保险费.............................第十八条 , 您有按约定退保的权利...............................................第十八条 您应当特别注意的事项 , , 被保险人在一些情形下导致身故,本公司是不承担保险责任的...............第六条 , 您应当如何交纳保险费.................................................第七条 , 您有如实告知的义务...................................................第十条 , 您有及时向我们通知保险事故的责任...................................第十二条 , 部分领取个人账户价值可能会收取一定的费用,请您慎重决策.............第十七条 , 我们对一些重要术语进行了解释,请您注意释义.......................第二十一条 条款是保险合同的重要内容,为充分保障您的权益,请您仔细阅读本条款。 , 条款目录 , 第一条 保险合同构成 第十一条 受益人 第二条 投保范围 第十二条 保险事故的通知 第三条 保险合同成立、生效和保险责任开始 第十三条 保险金的申请与给付 第四条 保险期间 第十四条 合同内容变更 第五条 保险责任 第十五条 住所或通讯地址变更 第六条 责任免除 第十六条 年龄计算及错误处理 第七条 保险费 第十七条 投保人部分领取个人账户价值处理 第八条 个人账户价值 第十八条 投保人解除合同的处理 第九条 初始费用的收取 第十九条 现金价值 第十条 明确说明与如实告知 第二十条 争议处理 第二十一条 释义 implementation of corrective tasks for the new problems found in a timely manner into the special rectification and rectification category. In-depth summary of good practices and good experience in educational practice, good around the typical, continue to promote the rectification, to prevent repeated rebound, use of the results of the activities, timely organization look back again. The theoretical results, continuously consolidate and deepen and expand educational practice to achieve the system results, practical results. Three, the main problems and rectification measures focus on rectification goals, determined to honor the commitment rectification measures to build long-term mechanism style construction bureau Party, improve the ideological style The construction and working level, according to the list of issues to sort it out, with overall requirements to carry out the mass line of educational activities, focus on the implementation of the rectification, enhance team ability to discover and solve their own problems, focus on building a political firm, pioneering and innovative, wholeheartedly for the people, strive for unity, harmony, strong collective leadership (a honest and clean.) there lack of global awareness and innovation problem in carrying out the democratic centralism of the party. The party will discuss the main points of the 2014 Bureau of safety production and internal functional components in the labor bureau held a bureau and executive, and discuss specific personnel in 2013, major capital spending No, strictly implement the decision procedures of "three major" matters "collective leadership, democratic centralism, individual consultations, the meeting decided the working principle of the tight loose, not very good to play the role of all members of the leadership team, in the global consultation is not enough, did not fully consider the actual situation of the individual, but by the executive sure, the lack of democracy in different opinions fully discussed and demonstrated. In relation to personal adjustment and the functional group work, individual party members and cadres are not good put forward their views and opinions, or dare to express their views, the crowd, the lack of global awareness and sense of innovation. Some leading cadres are too strong Adjust the local and local interests, the tendency to ignore the overall interests, focus on immediate interests and local interests, in the implementation of the decision and task, and even the existence of "do not want to do, want to do such a backlash and cope with the negative 中国人寿保险股份有限公司 国寿金账户年金保险(万能型)条款 第一条 保险合同构成 国寿金账户年金保险,万能型，合同,以下简称本合同，由保险单及所附条款、声明、批注、批单以及与本合同有关的投保单、健康声明书和其他书面共同构成。 第二条 投保范围 凡出生二十八日以上、八十周岁以下,身体健康者均可作为被保险人,由本人或对其具有保险利益的人作为投保人向中国人寿保险股份有限公司,以下简称本公司，投保本保险。 第三条 保险合同成立、生效和保险责任开始 投保人提出保险申请、本公司同意承保,本合同成立,合同成立日期在保险单上载明。 自本合同成立并签发保险单的次日零时起本合同生效,合同生效日期在保险单上载明。生效对应日、保单年度均以该日期计算。 除另有约定外,本合同生效的日期为本公司开始承担保险责任的日期。 第四条 保险期间 本合同的保险期间为本合同生效之日起至本合同终止日止。 第五条 保险责任 在本合同保险期间内,本公司承担以下保险责任, 一、年金 若本合同生效年满三个保单年度,且被保险人生存,年金受益人可向本公司申请年金。自年金受益人提出申请后的首个年生效对应日起,若被保险人生存至本合同的年生效对应日,本公司每年在本合同的年生效对应日按当时个人账户价值的10%给付年金。 二、身故保险金 被保险人在保险期间内身故,本合同终止,本公司按被保险人身故当时本合同的个人账户价值给付身故保险金,但须扣除被保险人身故后投保人累计申请部分领取的金额。 第六条 责任免除 因下列任何情形之一导致被保险人身故,本公司不承担给付保险金的责任, 一、投保人对被保险人的故意杀害、故意伤害， 二、被保险人故意犯罪或抗拒依法采取的刑事强制措施， 三、被保险人在本合同成立之日起二年内自杀,但被保险人自杀时为无民事行为能力人的除外， 四、被保险人服用、吸食或注射毒品， 五、被保险人酒后驾驶、无合法有效驾驶证驾驶或驾驶无有效行驶证的机动车， 六、战争、军事冲突、暴乱或武装叛乱， 七、核爆炸、核辐射或核污染。 无论上述何种情形发生,导致被保险人身故,本合同终止,本公司向投保人退还被保险人身故当时本合同的现金价值,但投保人对被保险人故意杀害或伤害造成被保险人身故的,本公司退还被保险人身故当时本合同的现金价值,作为被保险人遗产处理,但法律另有规定的除外。 第七条 保险费 本合同保险费分为按本合同约定自动转入的保险费和追加保险费。 一、按本合同约定自动转入的保险费 保险费的交纳由投保人与本公司约定,在保险单上载明,但必须符合本公司当时的规定。 二、追加保险费 implementation of corrective tasks for the new problems found in a timely manner into the special rectification and rectification category. In-depth summary of good practices and good experience in educational practice, good around the typical, continue to promote the rectification, to prevent repeated rebound, use of the results of the activities, timely organization look back again. The theoretical results, continuously consolidate and deepen and expand educational practice to achieve the system results, practical results. Three, the main problems and rectification measures focus on rectification goals, determined to honor the commitment rectification measures to build long-term mechanism style construction bureau Party, improve the ideological style The construction and working level, according to the list of issues to sort it out, with overall requirements to carry out the mass line of educational activities, focus on the implementation of the rectification, enhance team ability to discover and solve their own problems, focus on building a political firm, pioneering and innovative, wholeheartedly for the people, strive for unity, harmony, strong collective leadership (a honest and clean.) there lack of global awareness and innovation problem in carrying out the democratic centralism of the party. The party will discuss the main points of the 2014 Bureau of safety production and internal functional components in the labor bureau held a bureau and executive, and discuss specific personnel in 2013, major capital spending No, strictly implement the decision procedures of "three major" matters "collective leadership, democratic centralism, individual consultations, the meeting decided the working principle of the tight loose, not very good to play the role of all members of the leadership team, in the global consultation is not enough, did not fully consider the actual situation of the individual, but by the executive sure, the lack of democracy in different opinions fully discussed and demonstrated. In relation to personal adjustment and the functional group work, individual party members and cadres are not good put forward their views and opinions, or dare to express their views, the crowd, the lack of global awareness and sense of innovation. Some leading cadres are too strong Adjust the local and local interests, the tendency to ignore the overall interests, focus on immediate interests and local interests, in the implementation of the decision and task, and even the existence of "do not want to do, want to do such a backlash and cope with the negative 在本合同保险期间内,投保人可向本公司申请交付追加保险费,但必须符合本公司当时的规定。 本公司有权调整交纳追加保险费的规定。 第八条 个人账户价值 本公司于本合同生效日为本合同设立个人账户。本合同终止,个人账户同时终止。在本合同保险期间内,个人账户价值按如下方法计算, 一、按本合同约定自动转入的保险费直接计入个人账户，投保人交付的追加保险费减去相应的初始费用后计入个人账户。 二、在每月的结算日,本公司按公布的结算利率采用单利方式对个人账户结算利息,结算利息计入个人账户。 三、投保人申请部分领取个人账户价值时,从个人账户中扣除申请部分领取的个人账户价值。 四、年金受益人申请年金后,个人账户价值每年于年生效对应日按给付的年金金额等额减少。 五、本合同在非结算日终止时,本公司按本合同约定的最低保证利率对应的日利率采用单利方式对个人账户结算利息,结算利息计入个人账户。 本公司每年向投保人提供一份保单状态。 第九条 初始费用的收取 对于追加保险费,本公司扣除初始费用以后,剩余部分计入个人账户。 对于每笔追加保险费,初始费用比例不超过5%,以本公司具体约定为准。 第十条 明确说明与如实告知 订立本合同时,本公司应向投保人明确说明本合同的内容。对保险条款中免除本公司责任的条款,本公司在订立合同时应当在投保单、保险单或者其他保险凭证上作出足以引起投保人注意的提示,并对该条款的内容以书面或者口头形式向投保人作出明确说明。 本公司可以就投保人、被保险人的有关情况提出询问,投保人应当如实告知。 投保人故意或者因重大过失未履行前款规定的如实告知义务,足以影响本公司决定是否同意承保的,本公司有权解除合同。 前款规定的合同解除权,自本公司知道有解除事由之日起,超过三十日不行使而消灭。自本合同成立之日起超过二年的,本公司不得解除合同，发生保险事故的,本公司承担给付保险金的责任。 投保人故意不履行如实告知义务的,本公司对于合同解除前发生的保险事故,不承担给付保险金的责任,但可以退还个人账户价值。 投保人因重大过失未履行如实告知义务,对保险事故的发生有严重影响的,本公司对于合同解除前发生的保险事故,不承担给付保险金的责任,但可以退还个人账户价值。 本公司在本合同订立时已经知道投保人未如实告知的情况的,本公司不得解除合同，发生保险事故的,本公司承担给付保险金的责任。 第十一条 受益人 被保险人或投保人可指定一人或数人为身故保险金受益人。 除本合同另有指定外,本合同年金的受益人为被保险人本人。 受益人为数人的,可以确定受益顺序和受益份额，未确定受益份额的,受益人按照相等份额享有受益权。 被保险人为无民事行为能力人或限制民事行为能力人的,可以由其监护人指定受益人。 被保险人或投保人可以变更身故保险金受益人,但需书面通知本公司,由本公司在保险单或其他保险凭证上批注或者附贴批单。 投保人指定或变更身故保险金受益人时须经被保险人同意。 被保险人身故后,有下列情形之一的,保险金作为被保险人的遗产,由本公司依照《中华人民共和国继承法》的规定履行给付保险金的义务, ,1，没有指定受益人,或者受益人指定不明无法确定的， ,2，受益人先于被保险人身故,没有其他受益人的， 国寿金账户年金保险,万能型，条款,第三页，implementation of corrective tasks for the new problems found in a timely manner into the special rectification and rectificati on category. In-depth summary of good practices and good experience in educational practice, good around the typical, continue to promote the rectification, to prevent repeated rebound, use of the results of the activities, timely organization look back again. The theoretical results, continuously consolidate and deepen and expand educational practice to achieve the system results, practical results. Three, the main problems and rectification measures focus on rectification goals, determined to honor the commitment rectification measures to build long-term mechanism style construction bureau Party, improve the ideological style The construction and working level, according to the list of issues to sort it out, with overall requirements to carry out the mass line of educational activities, focus on the implementation of the rectification, enhance team ability to discover and solve their own problems, focus on building a political firm, pioneering and innovative, wholeheartedly for the people, strive for unity, harmony, strong collective leadership (a honest and clean.) there lack of global awareness and innovation problem in carrying out the democratic centralism of the party. The party will discuss the main points of the 2014 Bureau of safety production and internal functional components in the labor bureau held a bureau and executive, and discuss specific personnel in 2013, major capital spending No, strictly implement the decision procedures of "three major" matters "collective leadership, democratic centralism, individual consultations, the meeting decided the working principle of the tight loose, not very good to play the role of all members of the leadership team, in the global consultation is not enough, did not fully consider the actual situation of the individual, but by the executive sure, the lack of democracy in different opinions fully discussed and demonstrated. In relation to personal adjustment and the functional group work, individual party members and cadres are not good put forward their views and opinions, or dare to express their views, the crowd, the lack of global awareness and sense of innovation. Some leading cadres are too strong Adjust the local and local interests, the tendency to ignore the overall interests, focus on immediate interests and local interests, in the implementation of the decision and task, and even the existence of "do not want to do, want to do such a backlash and cope with the negative ,3，受益人依法丧失受益权或者放弃受益权,没有其他受益人的。 受益人与被保险人在同一事件中身故,且不能确定身故先后顺序的,推定受益人身故在先。 受益人故意造成被保险人死亡、伤残、疾病的,或者故意杀害被保险人未遂的,该受益人丧失受益权。 第十二条 保险事故的通知 投保人或受益人知道保险事故发生后,应及时通知本公司。若因故意或者因重大过失未及时通知,致使保险事故的性质、原因、损失程度等难以确定的,本公司对无法确定的部分,不承担给付保险金的责任,但本公司通过其他途径已经及时知道或者应当及时知道保险事故发生的除外。 第十三条 保险金的申请与给付 一、在本合同保险期间内,被保险人达到本合同约定的年金给付条件,由年金受益人作为申请人,填写保险金给付申请书,并凭下列证明和资料向本公司申请给付保险金, 1,保险单， 2. 申请人法定身份证明。 二、在本合同保险期间内,被保险人身故的,由身故保险金受益人作为申请人,填写保险金给付申请书,并凭下列证明和资料向本公司申请给付保险金, 1,保险单， 2,申请人法定身份证明， 3,公安部门或二级以上(含二级)医院出具的被保险人死亡证明书， 4,被保险人的户籍注销证明， 5,本公司要求的申请人所能提供的与确认保险事故的性质、原因等相关的其他证明和资料。 三、上述证明和资料不完整的,本公司将及时一次性通知申请人补充提供有关证明和资料。 四、本公司收到申请人的保险金给付申请书及本条第一或第二款所列证明和资料后,将及时作出核定，情形复杂的,将在三十日内作出核定,但本合同另有约定的除外。经核定后确定属于保险责任的,本公司在与申请人达成给付保险金的协议后十日内,履行给付保险金的义务，不属于保险责任的,本公司将自作出核定之日起三日内向申请人发出拒绝给付保险金通知书,并说明理由。 五、本公司自收到申请人的保险金给付申请书及本条第一或第二款所列证明和资料之日起六十日内,对属于保险责任而给付保险金的数额不能确定的,根据已有证明和资料,按可以确定的数额先予支付,本公司最终确定给付保险金的数额后,支付相应的差额。 六、申请人向本公司请求给付保险金的诉讼时效期间为五年,自其知道或者应当知道保险事故发生之日起计算。 第十四条 合同内容变更 投保人和本公司可以协商变更本合同的内容。变更本合同时,投保人应填写变更合同申请书,经本公司审核同意后,由本公司在保险单或者其他保险凭证上批注或者附贴批单,或者由投保人和本公司订立变更的书面协议。 第十五条 住所或通讯地址变更 投保人的住所或通讯地址变更时,应及时以书面形式通知本公司。投保人未以书面形式通知的,本公司按所知最后的投保人住所或通讯地址发送有关通知。 第十六条 年龄计算及错误处理 被保险人的投保年龄按周岁计算。投保人应在投保本保险时将被保险人的真实年龄在投保单上填明,如果发生错误,本公司按照下列规定办理, 投保人申报的被保险人年龄不真实,并且其真实年龄不符合合同约定的年龄限制的,本公司有权在知道有解除事由之日起三十日内解除本合同,并按投保人解除合同的有关规定办理,但自本合同成立之日起超过二年的除外。 第十七条 投保人部分领取个人账户价值处理 implementation of corrective tasks for the new problems found in a timely manner into the special rectification and rectification category. In-depth summary of good practices and good experience in educational practice, good around the typical, continue to promote the rectification, to prevent repeated rebound, use of the results of the activities, timely organization look back again. The theoretical results, continuously consolidate and deepen and expand educational practice to achieve the system results, practical results. Three, the main problems and rectification measures focus on rectification goals, determined to honor the commitment rectification measures to build long-term mechanism style construction bureau Party, improve the ideological style The construction and working level, according to the list of issues to sort it out, with overall requirements to carry out the mass line of educational activities, focus on the implementation of the rectification, enhance team ability to discover and solve their own problems, focus on building a political firm, pioneering and innovative, wholeheartedly for the people, strive for unity, harmony, strong collective leadership (a honest and clean.) there lack of global awareness and innovation problem in carrying out the democratic centralism of the party. The party will discuss the main points of the 2014 Bureau of safety production and internal functional components in the labor bureau held a bureau and executive, and discuss specific personnel in 2013, major capital spending No, strictly implement the decision procedures of "three major" matters "collective leadership, democratic centralism, individual consultations, the meeting decided the working principle of the tight loose, not very good to play the role of all members of the leadership team, in the global consultation is not enough, did not fully consider the actual situation of the individual, but by the executive sure, the lack of democracy in different opinions fully discussed and demonstrated. In relation to personal adjustment and the functional group work, individual party members and cadres are not good put forward their views and opinions, or dare to express their views, the crowd, the lack of global awareness and sense of innovation. Some leading cadres are too strong Adjust the local and local interests, the tendency to ignore the overall interests, focus on immediate interests and local interests, in the implementation of the decision and task, and even the existence of "do not want to do, want to do such a backlash and cope with the negative 一、在本合同保险期间内,投保人可申请部分领取个人账户价值,但被保险人已发生保险事故的,投保人不能申请部分领取个人账户价值。申请部分领取个人账户价值时,投保人应填写部分领取个人账户价值申请书,并提交下列证明、资料, 1,保险单， 2,被保险人的户籍证明， 3. 投保人的法定身份证明。 二、投保人申请部分领取个人账户价值的,本公司将在部分领取申请核准后三十日内给付部分领取金额,但在给付前需扣除部分领取手续费。 部分领取手续费占部分领取个人账户价值的比例为下表中各保单年度对应的数值, 保单年度 手续费比例 第一年 5% 第二年 4% 第三年 3% 第四年 2% 第五年 1% 第六年及以后 0 三、投保人部分领取个人账户价值的,每次领取的金额及领取后个人账户价值不得低于领取当时本公司规定的最低标准。 十八条 投保人解除合同的处理 第 投保人于本合同成立后,可以要求解除本合同。投保人要求解除本合同时,应填写解除合同申请书,并提交保险合同和投保人法定身份证明。 本合同自本公司接到解除合同申请书时终止。投保人于签收保险单后十日内要求解除本合同的,本公司在接到解除合同申请书之日起三十日内向投保人退还已收全部保险费。投保人于签收保险单十日后要求解除合同,本公司于接到解除合同申请书之日起三十日内向投保人退还本公司接到解除合同申请书时本合同的现金价值。 第十九条 现金价值 本合同的现金价值等于个人账户价值扣除相应的退保费用后的余额。 退保费用占个人账户价值的比例为下表中各保单年度对应的数值, 保单年度 退保费用 第一年 5% 第二年 4% 第三年 3% 第四年 2% 第五年 1% 第六年及以后 0 第二十条 争议处理 本合同争议的解决方式,由当事人在合同中约定从下列两种方式中选择一种, 一、因履行本合同发生的争议,由当事人协商解决,协商不成的,提交×××仲裁委员会仲裁， 二、因履行本合同发生的争议,由当事人协商解决,协商不成的,依法向人民法院提起诉讼。 implementation of corrective tasks for the new problems found in a timely manner into the special rectification and rectificati国寿金账户年金保险,万能型，条款,第五页， on category. In-depth summary of good practices and good experience in educational practice, good around the typical, continue to promote the rectification, to prevent repeated rebound, use of the results of the activities, timely organization look back again. The theoretical results, continuously consolidate and deepen and expand educational practice to achieve the system results, practical results. Three, the main problems and rectification measures focus on rectification goals, determined to honor the commitment rectification measures to build long-term mechanism style construction bureau Party, improve the ideological style The construction and working level, according to the list of issues to sort it out, with overall requirements to carry out the mass line of educational activities, focus on the implementation of the rectification, enhance team ability to discover and solve their own problems, focus on building a political firm, pioneering and innovative, wholeheartedly for the people, strive for unity, harmony, strong collective leadership (a honest and clean.) there lack of global awareness and innovation problem in carrying out the democratic centralism of the party. The party will discuss the main points of the 2014 Bureau of safety production and internal functional components in the labor bureau held a bureau and executive, and discuss specific personnel in 2013, major capital spending No, strictly implement the decision procedures of "three major" matters "collective leadership, democratic centralism, individual consultations, the meeting decided the working principle of the tight loose, not very good to play the role of all members of the leadership team, in the global consultation is not enough, did not fully consider the actual situation of the individual, but by the executive sure, the lack of democracy in different opinions fully discussed and demonstrated. In relation to personal adjustment and the functional group work, individual party members and cadres are not good put forward their views and opinions, or dare to express their views, the crowd, the lack of global awareness and sense of innovation. Some leading cadres are too strong Adjust the local and local interests, the tendency to ignore the overall interests, focus on immediate interests and local interests, in the implementation of the decision and task, and even the existence of "do not want to do, want to do such a backlash and cope with the negative 第二十一条 释义 本条款有关名词释义如下, 周岁,指按法定身份证明文件中记载的出生日期计算的年龄,自出生之日起为零周岁,每经过一年增加一岁,不足一年的不计。 生效对应日,生效日每年,半年、季或月，的对应日为本合同每年,半年、季或月，生效对应日。 保单年度,自本合同生效日,或年生效对应日，起至下一个年生效对应日前一日的二十四时止。 毒品,指中华人民共和国刑法规定的鸦片、海洛因、甲基苯丙胺,冰毒，、吗啡、大麻、可卡因以及国家规定管制的其他能够使人形成瘾癖的麻醉药品和精神药品,但不包括由医生开具并遵医嘱使用的用于治疗疾病但含有毒品成分的处方药品。 酒后驾驶,指经检测或鉴定,发生事故时车辆驾驶人员每百毫升血液中的酒精含量达到或超过一定的标准,公安机关交通管理部门依据《道路交通安全法》的规定认定为饮酒后驾驶或醉酒后驾驶。 无合法有效驾驶证驾驶,指下列情形之一, ,1，没有取得驾驶资格， ,2，驾驶与驾驶证准驾车型不相符合的车辆， ,3，持审验不合格的驾驶证驾驶， ,4，持学习驾驶证学习驾车时,无教练员随车指导,或不按指定时间、路线学习驾车。 无有效行驶证,指下列情形之一: ,1，机动车被依法注销登记的， ,2，未依法按时进行或通过机动车安全技术检验。 机动车,指以动力装置驱动或者牵引,供人员乘用或者用于运送物品以及进行工程专项作业的轮式车辆。 战争,指国家与国家、民族与民族、政治集团与政治集团之间为了一定的政治、经济目的而进行的武装斗争,以政府宣布为准。 军事冲突,指国家或民族之间在一定范围内的武装对抗,以政府宣布为准。 暴乱,指破坏社会秩序的武装骚动,以政府宣布为准。 结算日,每月1日为结算日。 结算利率,本公司根据中国保险监督管理机构的有关规定,结合投资账户上一个月的实际投资状况,确定自上月结算日至本月结算日之间的结算利率,并在该结算日起六个工作日内公布。结算利率为日利率,其对应的年利率不低于最低保证利率。 最低保证利率,在本合同保险期间内,计算个人账户价值利息的最低保证利率为年利率2.5%,对应的日利率为0.006849%。本合同仅保证年利率不低于2.5%,对每月的结算利率不作保证。 法定身份证明,指依据法律规定,由有权机构制作颁发的证明身份的证件、文件等,如,居民身份证、户口簿、护照、军人证等。 implementation of corrective tasks for the new problems found in a timely manner into the special rectification and rectification category. In-depth summary of good practices and good experience in educational practice, good around the typical, continue to promote the rectification, to prevent repeated rebound, use of the results of the activities, timely organization look back again. The theoretical results, continuously consolidate and deepen and expand educational practice to achieve the system results, practical results. Three, the main problems and rectification measures focus on rectification goals, determined to honor the commitment rectification measures to build long-term mechanism style construction bureau Party, improve the ideological style The construction and working level, according to the list of issues to sort it out, with overall requirements to carry out the mass line of educational activities, focus on the implementation of the rectification, enhance team ability to discover and solve their own problems, focus on building a political firm, pioneering and innovative, wholeheartedly for the people, strive for unity, harmony, strong collective leadership (a honest and clean.) there lack of global awareness and innovation problem in carrying out the democratic centralism of the party. The party will discuss the main points of the 2014 Bureau of safety production and internal functional components in the labor bureau held a bureau and executive, and discuss specific personnel in 2013, major capital spending No, strictly implement the decision procedures of "three major" matters "collective leadership, democratic centralism, individual consultations, the meeting decided the working principle of the tight loose, not very good to play the role of all members of the leadership team, in the global consultation is not enough, did not fully consider the actual situation of the individual, but by the executive sure, the lack of democracy in different opinions fully discussed and demonstrated. In relation to personal adjustment and the functional group work, individual party members and cadres are not good put forward their views and opinions, or dare to express their views, the crowd, the lack of global awareness and sense of innovation. Some leading cadres are too strong Adjust the local and local interests, the tendency to ignore the overall interests, focus on immediate interests and local interests, in the implementation of the decision and task, and even the existence of "do not want to do, want to do such a backlash and cope with the negative