保險業(yè)常用詞匯中英文對照

保險業(yè)常用詞匯中英文比照第一局部：保險承保業(yè)務(wù)保險insurance保險業(yè) insuranceindustry保險業(yè)務(wù)構(gòu)造 businessstructures保險業(yè)主體 bodiesinInsuranceIndustry被保險人insuredclaimsettlement承保利潤微薄 underwritingprofitisslight承保力量insurancecapacity承保業(yè)務(wù) underwritingoperation未決賠款儲藏金reserveIBRN大數(shù)法則LawofLargeNumbers營業(yè)額turnover市場缺陷marketimperfections社會保險socialinsurance個人代理人 personalagent銀行保險 bankinsurance直銷 straightpin傭金 brokerage手續(xù)費 commission charges再保險 reinsurance2、財產(chǎn)保險財產(chǎn)保險propertyinsurancelong－tail長期護理保險long—termcareinsuranceshort－tail綜合賠付率combinedratioretention車險 autoinsurance財產(chǎn)保險 propertyinsurance責(zé)任保險 liabilityinsurance農(nóng)業(yè)保險 agricultural insurance巨災(zāi)保險 catastropheinsurance意外損害保險 casualtyaccident insurance3、壽險詞匯變額壽險variablelifeinsurance長壽保險insuranceonlastsurvivor定期壽險terminsurance合同儲蓄機構(gòu)contractualsavinginstitutions紅利dividend疾病保險sicknessinsurance簡易險industrialinsurance安康保險healthinsurance巨額醫(yī)藥費保險majormedical“insurancepolicy可變保費壽險flexible—premiumlifeinsurance利差損 interestspreadrisk利率敏感型產(chǎn)品interest—sensitivewholelife/indemnityperiod/limit一般壽險ordinarylifeinsurance人壽保險lifeinsurance預(yù)定利率市場化Market-basedAssumedInterestRategroupinsurance限期繳費終身壽險limited—paymentwholelifeinsurance養(yǎng)老保險endowmentinsurance醫(yī)療保險insuranceformedicalcare醫(yī)療費用保險medicalexpenseinsurancewholelifeinsurance預(yù)備金reserve傷殘收入保險disabilityincomeinsurance失能incapacity可變?nèi)f能壽險 Variable-universallifeinsurance可變年金 Variableannuity評估價值 AppraisalValue內(nèi)含價值 EmbededValue業(yè)務(wù)價值 ValueofNewBusiness稅收優(yōu)待 tax break稅收遞延型養(yǎng)老保險Deferredtaxendowmentinsurance大病醫(yī)療保險Largequantitymedicalinsurance分紅保險 ParticipatingInsurance傳統(tǒng)保險 traditionalinsurance理財型保險 financialplanningorientedinsurance投資連結(jié)壽險unit—linkedlifeinsurance4、保險償付力量風(fēng)險資本要求risk—basedcapital固定最低本錢要求fixedminimumcapitalrequirement保險償付力量監(jiān)管insurancesolvencyregulation保險監(jiān)管信息系統(tǒng)InsuranceRegulatoryInformationSystem財務(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)管保險資產(chǎn)治理insuranceassetmanagement保險法insurancelaw保險資產(chǎn)治理公司insuranceassetmanagementcompany中國人保集團People”sInsuranceCompanyofChina(簡稱PICC)中國人保資產(chǎn)治理公司PICCAssetManagementCompanyLimited慕尼黑再保險資產(chǎn)治理公司MunichERGOAssetManagementGmbH〔MEAG〕中國保監(jiān)會ChinaInsuranceRegulatoryCommission〔CIRC〕保險投資“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不動產(chǎn)投資realestateinvestment利率互換InterestRateSwap〔簡稱IRS〕均值一方差