保險業(yè)常用詞匯中英文對照

1、精品文檔保險業(yè)常用詞匯中英文對照第一部分：保險承保業(yè)務1、一般保險原理保險 insurance保險業(yè)insurance industry保險業(yè)務結構business structures保險業(yè)主體bodies in Insurance Industry被保險人 insured理賠 claim settlement承保利潤微薄underwriting profit is slight承保能力 insurance capacity承保業(yè)務underwriting operation未決賠款儲備金reserve IBRN大數(shù)法則 Law of Large Numbers營業(yè)額 turnover市場缺

2、陷 market imperfections社會保險 social insurance個人代理人personal agent銀行保險bank insurance直銷straight pin傭金brokerage手續(xù)費commission charges再保險reinsurance2、財產(chǎn)保險財產(chǎn)保險 property insurance長尾 long tail長期護理保險long term care insurance。1 歡迎下載精品文檔短尾 short tail綜合賠付率 combined ratio自留 retention車險auto insurance財產(chǎn)保險property insu

3、rance責任保險liability insurance農(nóng)業(yè)保險agricultural insurance巨災保險catastrophe insurance意外傷害保險casualty accident insurance3、壽險詞匯變額壽險 variable life insurance長壽保險 insurance on last survivor定期壽險 term insurance合同儲蓄機構contractual saving institutions紅利 dividend疾病保險 sickness insurance簡易險 industrial insurance健康保險 heal

4、th insurance巨額醫(yī)藥費保險major medical" insurance policy可變保費壽險flexible premium life insurance利差損interest spread risk利率敏感型產(chǎn)品interest sensitive whole life賠期 / 期限 indemnity period/limit普通壽險 ordinary life insurance人壽保險 life insurance預定利率市場化Market-based Assumed Interest Rate團險 group insurance限期繳費終身壽險 limi

5、ted payment whole life insurance 養(yǎng)老保險 endowment insurance。2 歡迎下載精品文檔醫(yī)療保險 insurance for medical care醫(yī)療費用保險medical expense insurance終身壽險 whole life insurance準備金 reserve傷殘收入保險disability income insurance失能 incapacity可變?nèi)f能壽險Variable-universal life insurance可變年金Variable annuity評估價值Appraisal Value內(nèi)含價值Embede

6、d Value新業(yè)務價值Value of New Business稅收優(yōu)惠tax break稅收遞延型養(yǎng)老保險Deferred tax endowment insurance大病醫(yī)療保險Large quantity medical insurance分紅保險Participating Insurance傳統(tǒng)保險traditional insurance理財型保險financial planning oriented insurance投資連結壽險unit linked life insurance4、保險償付能力風險資本要求risk based capital固定最低成本要求fixed min

7、imum capital requirement保險償付能力監(jiān)管insurance solvency regulation保險監(jiān)管信息系統(tǒng)Insurance Regulatory InformationSystem財務分析跟蹤系統(tǒng)Financial Analysis Tracking System償付能力Solvency償付能力不足insolvent認可資產(chǎn)admissible assets。3 歡迎下載精品文檔第二部分保險資產(chǎn)管理1、行業(yè)主體和監(jiān)管保險資產(chǎn)管理insurance asset management保險法insurance law保險資產(chǎn)管理公司insurance asset m

8、anagement company中國人保集團People's Insurance Company of China(簡稱 PICC)中國人保資產(chǎn)管理公司PICC Asset Management Company Limited慕尼黑再保險資產(chǎn)管理公司Munich ERGO Asset Management GmbH （簡稱 MEAG）中國保監(jiān)會China Insurance Regulatory Commission（簡稱 CIRC）保險投資“新政”innovation policies in insurance investment可投資資產(chǎn)investable asset投資公司

9、法案Investment Company Act2、委托受托關系委托人 client受托人 trustee委托管理mandate絕對收益absolute return相對收益relative return3、組合管理大類資產(chǎn)配置assets allocation戰(zhàn)略資產(chǎn)配置Strategic Assets Allocation（簡稱 SAA）戰(zhàn)術資產(chǎn)配置Tactic Assets Allocation（簡稱 TAA）流動性管理liquidity management資產(chǎn)負債管理Asset-Liability Management（簡稱 ALM）久期匹配duration matching現(xiàn)金流匹

10、配cash flow matching一般賬戶general account。4 歡迎下載精品文檔獨立賬戶separate account4、類別投資固定收益投資fixed-income investment持有到期類資產(chǎn)held-to-maturity asset交易類資產(chǎn)trading asset可供出售類資產(chǎn)asset available for sale股票投資equity investment基金投資fund investment另類投資alternative investment境外投資overseas investment基礎設施債權計劃infrastructure debt investment plan未上市企業(yè)股權投資private equity investment不動產(chǎn)投資real estate investment利率互換Interest Rate Swap（簡稱 IRS）均值一方差分析the mean-variance method5、第三方業(yè)務財富管理wealth management第三方投資管理th