所谓“黑箱”操作，是指一些 保险企业在承保财产险 过程中，表面上堂而皇之 地按照条款约定的保险责任及费率填写保单，但在暗地里却承诺和协议若干附加的优惠条件。“明修栈道，暗渡陈仓”已是公开的秘密，其花样也层出不穷不断翻新。就笔者所知，给予高比例返还和提前支付高 The so-called “black box” operation refers to some insurance companies in the process of underwriting property insurance, ostensibly openly fill in the insurance policies and rates in accordance with the terms of the agreement, but secretly promised and agreed on a number of additional preferential conditions. “Clear path along the cliff, steal the dark” is already an open secret, its pattern is also an endless stream of renovation. As far as I know, give a high proportion of return and advance payment high