### Chinese: 这三条其实就是很苛刻的，总结起来就是要有实力，要经过银保监会（监管全国内的保险公司、银行）的国家权威部门批准、股东要有良好的作风，作为保险经纪公司的小雨伞保险，投保者是不用过多质疑小雨伞保险是正规的与否，毕竟有这3条门槛，不是什么保险公司都能达到的。
### English: These three are actually very harsh. To sum up, they need to be strong, approved by the national authority of the China Banking and Insurance Regulatory Commission (supervising insurance companies and banks across the country), and shareholders should have a good style of work. As an insurance brokerage company, the applicant does not need to question whether the small umbrella insurance is formal or not. After all, there are these three thresholds, which not all insurance companies can achieve.
### Errors: There is a major error of incorrect translation does not accurately represent the correct translation at "These three are actually very harsh". There is a major error of incorrect translation includes information not present in the correct translation at "approved by the national authority". There is a major error of incorrect translation is missing content from the correct translation at "shareholders should have a good style of work". There is a major error of incorrect translation has stylistic problems at "the applicant does not need to question". There is a major error of incorrect translation does not accurately represent the correct translation at "there are these three thresholds, which not all insurance companies can achieve.".

### Improved English: These three requirements are strict enough; in summary, it needs to have strength, to be approved by the national authoritative departments of the China Banking and Insurance Regulatory Commission (supervising insurance companies and banks across the country), and the shareholders’ conduct is descent; as an insurance brokerage company, Little Umbrella Insurance doesn’t need to be questioned by policyholders about whether it is legal or not; after all, not all insurance companies can meet these three requirements.