保險(xiǎn)業(yè)常用詞匯中英文對(duì)照

保險(xiǎn)業(yè)常用詞匯中英文比照第一局部：保險(xiǎn)承保業(yè)務(wù)保險(xiǎn)insurance保險(xiǎn)業(yè) insuranceindustry保險(xiǎn)業(yè)務(wù)構(gòu)造 businessstructures保險(xiǎn)業(yè)主體 bodiesinInsuranceIndustry被保險(xiǎn)人insuredclaimsettlement承保利潤微薄 underwritingprofitisslight承保力量insurancecapacity承保業(yè)務(wù) underwritingoperation未決賠款儲(chǔ)藏金reserveIBRN大數(shù)法則LawofLargeNumbers營業(yè)額turnover市場(chǎng)缺陷marketimperfections社會(huì)保險(xiǎn)socialinsurance個(gè)人代理人 personalagent銀行保險(xiǎn) bankinsurance直銷 straightpin傭金 brokerage手續(xù)費(fèi) commission charges再保險(xiǎn) reinsurance2、財(cái)產(chǎn)保險(xiǎn)財(cái)產(chǎn)保險(xiǎn)propertyinsurancelong－tail長期護(hù)理保險(xiǎn)long—termcareinsuranceshort－tail綜合賠付率combinedratioretention車險(xiǎn) autoinsurance財(cái)產(chǎn)保險(xiǎn) propertyinsurance責(zé)任保險(xiǎn) liabilityinsurance農(nóng)業(yè)保險(xiǎn) agricultural insurance巨災(zāi)保險(xiǎn) catastropheinsurance意外損害保險(xiǎn) casualtyaccident insurance3、壽險(xiǎn)詞匯變額壽險(xiǎn)variablelifeinsurance長壽保險(xiǎn)insuranceonlastsurvivor定期壽險(xiǎn)terminsurance合同儲(chǔ)蓄機(jī)構(gòu)contractualsavinginstitutions紅利dividend疾病保險(xiǎn)sicknessinsurance簡易險(xiǎn)industrialinsurance安康保險(xiǎn)healthinsurance巨額醫(yī)藥費(fèi)保險(xiǎn)majormedical“insurancepolicy可變保費(fèi)壽險(xiǎn)flexible—premiumlifeinsurance利差損 interestspreadrisk利率敏感型產(chǎn)品interest—sensitivewholelife/indemnityperiod/limit一般壽險(xiǎn)ordinarylifeinsurance人壽保險(xiǎn)lifeinsurance預(yù)定利率市場(chǎng)化Market-basedAssumedInterestRategroupinsurance限期繳費(fèi)終身壽險(xiǎn)limited—paymentwholelifeinsurance養(yǎng)老保險(xiǎn)endowmentinsurance醫(yī)療保險(xiǎn)insuranceformedicalcare醫(yī)療費(fèi)用保險(xiǎn)medicalexpenseinsurancewholelifeinsurance預(yù)備金reserve傷殘收入保險(xiǎn)disabilityincomeinsurance失能incapacity可變?nèi)f能壽險(xiǎn) Variable-universallifeinsurance可變年金 Variableannuity評(píng)估價(jià)值 AppraisalValue內(nèi)含價(jià)值 EmbededValue業(yè)務(wù)價(jià)值 ValueofNewBusiness稅收優(yōu)待 tax break稅收遞延型養(yǎng)老保險(xiǎn)Deferredtaxendowmentinsurance大病醫(yī)療保險(xiǎn)Largequantitymedicalinsurance分紅保險(xiǎn) ParticipatingInsurance傳統(tǒng)保險(xiǎn) traditionalinsurance理財(cái)型保險(xiǎn) financialplanningorientedinsurance投資連結(jié)壽險(xiǎn)unit—linkedlifeinsurance4、保險(xiǎn)償付力量風(fēng)險(xiǎn)資本要求risk—basedcapital固定最低本錢要求fixedminimumcapitalrequirement保險(xiǎn)償付力量監(jiān)管insurancesolvencyregulation保險(xiǎn)監(jiān)管信息系統(tǒng)InsuranceRegulatoryInformationSystem財(cái)務(wù)分析跟蹤系統(tǒng)FinancialAnalysisTrackingSystem償付力量 Solvency償付力量缺乏insolvent認(rèn)可資產(chǎn) admissibleassets1、行業(yè)主體和監(jiān)管保險(xiǎn)資產(chǎn)治理insuranceassetmanagement保險(xiǎn)法insurancelaw保險(xiǎn)資產(chǎn)治理公司insuranceassetmanagementcompany中國人保集團(tuán)People”sInsuranceCompanyofChina(簡稱PICC)中國人保資產(chǎn)治理公司PICCAssetManagementCompanyLimited慕尼黑再保險(xiǎn)資產(chǎn)治理公司MunichERGOAssetManagementGmbH〔MEAG〕中國保監(jiān)會(huì)ChinaInsuranceRegulatoryCommission〔CIRC〕保險(xiǎn)投資“政”innovationpoliciesininsuranceinvestment可投資資產(chǎn)investableasset投資公司法案InvestmentCompanyAct2、托付受托關(guān)系托付人client受托人trustee托付治理mandate確定收益absolutereturn相對(duì)收益relativereturn3、組合治理大類資產(chǎn)配置assetsallocation戰(zhàn)略資產(chǎn)配置StrategicAssetsAllocation〔SAA〕戰(zhàn)術(shù)資產(chǎn)配置TacticAssetsAllocation〔簡稱TAA〕liquiditymanagement資產(chǎn)負(fù)債治理Asset-LiabilityManagement〔ALM〕久期匹配durationmatching現(xiàn)金流匹配cashflowmatching一般賬戶generalaccount獨(dú)立賬戶separateaccount4、類別投資固定收益投資fixed-incomeinvestment持有到期類資產(chǎn)held-to-maturityassettradingasset可供出售類資產(chǎn)assetavailableforsale股票投資equityinvestment基金投資fundinvestment另類投資alternativeinvestment境外投資overseasinvestment根底設(shè)施債權(quán)打算infrastructuredebtinvestmentplan未上市企業(yè)股權(quán)投資privateequityinvestment不動(dòng)產(chǎn)投資realestateinvestment利率互換InterestRateSwap〔簡稱IRS〕均值一方差