保险业常用词汇中英文对照

保险业常用词汇中英文比照第一局部：保险承保业务保险insurance保险业 insuranceindustry保险业务构造 businessstructures保险业主体 bodiesinInsuranceIndustry被保险人insuredclaimsettlement承保利润微薄 underwritingprofitisslight承保力量insurancecapacity承保业务 underwritingoperation未决赔款储藏金reserveIBRN大数法则LawofLargeNumbers营业额turnover市场缺陷marketimperfections社会保险socialinsurance个人代理人 personalagent银行保险 bankinsurance直销 straightpin佣金 brokerage手续费 commission charges再保险 reinsurance2、财产保险财产保险propertyinsurancelong－tail长期护理保险long—termcareinsuranceshort－tail综合赔付率combinedratioretention车险 autoinsurance财产保险 propertyinsurance责任保险 liabilityinsurance农业保险 agricultural insurance巨灾保险 catastropheinsurance意外损害保险 casualtyaccident insurance3、寿险词汇变额寿险variablelifeinsurance长寿保险insuranceonlastsurvivor定期寿险terminsurance合同储蓄机构contractualsavinginstitutions红利dividend疾病保险sicknessinsurance简易险industrialinsurance安康保险healthinsurance巨额医药费保险majormedical“insurancepolicy可变保费寿险flexible—premiumlifeinsurance利差损 interestspreadrisk利率敏感型产品interest—sensitivewholelife/indemnityperiod/limit一般寿险ordinarylifeinsurance人寿保险lifeinsurance预定利率市场化Market-basedAssumedInterestRategroupinsurance限期缴费终身寿险limited—paymentwholelifeinsurance养老保险endowmentinsurance医疗保险insuranceformedicalcare医疗费用保险medicalexpenseinsurancewholelifeinsurance预备金reserve伤残收入保险disabilityincomeinsurance失能incapacity可变万能寿险 Variable-universallifeinsurance可变年金 Variableannuity评估价值 AppraisalValue内含价值 EmbededValue业务价值 ValueofNewBusiness税收优待 tax break税收递延型养老保险Deferredtaxendowmentinsurance大病医疗保险Largequantitymedicalinsurance分红保险 ParticipatingInsurance传统保险 traditionalinsurance理财型保险 financialplanningorientedinsurance投资连结寿险unit—linkedlifeinsurance4、保险偿付力量风险资本要求risk—basedcapital固定最低本钱要求fixedminimumcapitalrequirement保险偿付力量监管insurancesolvencyregulation保险监管信息系统InsuranceRegulatoryInformationSystem财务分析跟踪系统FinancialAnalysisTrackingSystem偿付力量 Solvency偿付力量缺乏insolvent认可资产 admissibleassets1、行业主体和监管保险资产治理insuranceassetmanagement保险法insurancelaw保险资产治理公司insuranceassetmanagementcompany中国人保集团People”sInsuranceCompanyofChina(简称PICC)中国人保资产治理公司PICCAssetManagementCompanyLimited慕尼黑再保险资产治理公司MunichERGOAssetManagementGmbH〔MEAG〕中国保监会ChinaInsuranceRegulatoryCommission〔CIRC〕保险投资“政”innovationpoliciesininsuranceinvestment可投资资产investableasset投资公司法案InvestmentCompanyAct2、托付受托关系托付人client受托人trustee托付治理mandate确定收益absolutereturn相对收益relativereturn3、组合治理大类资产配置assetsallocation战略资产配置StrategicAssetsAllocation〔SAA〕战术资产配置TacticAssetsAllocation〔简称TAA〕liquiditymanagement资产负债治理Asset-LiabilityManagement〔ALM〕久期匹配durationmatching现金流匹配cashflowmatching一般账户generalaccount独立账户separateaccount4、类别投资固定收益投资fixed-incomeinvestment持有到期类资产held-to-maturityassettradingasset可供出售类资产assetavailableforsale股票投资equityinvestment基金投资fundinvestment另类投资alternativeinvestment境外投资overseasinvestment根底设施债权打算infrastructuredebtinvestmentplan未上市企业股权投资privateequityinvestment不动产投资realestateinvestment利率互换InterestRateSwap〔简称IRS〕均值一方差