财险业务系统词汇表

1、财产险业务系统词汇表版本：1.0目录1.简介91.1 目的91.2 范围91.3 参考资料91.4 概述92.定义92.1 Accident 事故92.1.1Traffic accident 交通事故92.2 Account (1) 账户92.3 Account (2) 会计科目92.4 Accounting 会计92.5 Administrative division 行政区划92.6 Advance 预付款92.7 Advice of payment 付款通知92.8 Age 年龄92.9 Agent 代理人92.10 Agency agreement 代理协议92.11 Agent li

2、cense 代理许可证92.12 Aggregate 总计,合计92.13 Amount 金额92.14 Anti-dated Bill of Lading 倒签单92.15 Applicant 投保人92.16 Application 投保单92.17 Assessor 公估人92.18 Asset 资产92.19 Average 海损、海损分摊92.20 Balance 余额92.21 Bancassurance 银行保险92.22 Beneficiary 受益人92.23 Branch, Branch Office 分公司102.24 Broker 保险经纪人102.25 Busines

3、s address 营业场所102.26 Calendar year 日历年度102.27 Cargo 货物102.28 Case 赔案102.29 Cash 现金102.30 Catastrophe 巨灾102.31 Certificate 证件102.32 Channel (营销)渠道102.33 Claim 索赔102.34 Claim case 赔案102.35 Claim examination 核赔102.36 Claim examiner 核赔人102.37 Claim handler 理赔人102.38 Claim notification 报案102.39 Claim set

4、tlement 理赔102.40 Claim settlement expense 理赔费用102.41 Claimant 索赔人102.42 Clause 条款102.42.1assignment clause 转让条款102.42.2exclusion clause 除外责任条款102.43 Clause content 条款内容102.44 Closed policy 封闭型保单102.45 Coinsurance 共保102.46 Commission 佣金102.46.1Payable commission 应付佣金102.47 Commission share rate 佣金拆分比

5、例102.48 Commission rate 佣金比例102.49 Compulsory insurance 强制保险112.50 Contract 合同112.51 Cooling off period 冷静期112.52 Corporation 法人112.53 Corporation deputy 法定代表人112.54 Cover note (c/n) 暂保单112.55 Coverage 险别112.56 Credit 贷方112.57 Cross-selling 交叉销售112.58 Currency 货币112.59 Customer service 客户服务112.60 Da

6、te 日期112.60.1Application date 投保日期112.60.2Birth date 出生日期112.60.3Payable date 应付日期112.60.4Receivable date 应收日期112.61 Debit 借方112.62 Depreciation 折旧112.63 Deductable amount 免赔额112.63.1Straight deductible amount 绝对免赔额112.64 Deductable rate 免赔率112.64.1Straight deductible rate 绝对免赔率112.65 Discount 折扣112

7、.66 Disability 残疾112.67 Disability degree 伤残等级112.68 Dispute settled method 争议解决方式112.69 Distribution channel 销售渠道112.70 Distribution system 分销体系122.71 document against payment (DP) 见费出单122.72 Draft (Drt)汇票122.73 Drawing amount 领取金额122.74 Driving age 驾龄122.75 Educational level 学历122.76 Employment or

8、ganization 工作单位122.77 Endorsement 批单122.78 Engine number 发动机号122.79 Enterprise property 单位性质122.80 Excess of loss (EXL, XL)超额赔款122.81 Exchange rate 汇率122.82 Exclusion 除外责任122.83 Export (EXP)出口122.84 Fee 费用122.84.1Management fee 管理费122.85 Field force 外勤人员122.86 Finance 财务122.87 Frame number 车架号122.88

9、 Franchise amount 相对免赔额122.89 Franchise rate 相对免赔率122.90 Gender 性别122.90.1Male 男性122.90.2Female 女性122.91 Grace period 缴费宽限期122.92 Grade 等级，评级122.93 Group insurance 团体保险122.94 Mileage 行驶里程132.95 Head quarter, Head Office 总公司132.96 Identity card number 身份证号132.97 Import (IMP) 进口132.98 Indemnity 赔款132.

10、99 Indemnity coverage type 赔偿责任类型132.100 Indemnity limits 赔偿限额132.100.1Limits of Indemnity for Any One Claim 每次赔偿限额132.101 Individual 个人132.102 Industry code 行业代码132.103 Insurance 保险132.103.1Accident and Health Insurance 意外伤害和健康保险132.103.2Motor Vehicle Insurance 机动车保险132.103.2.1Motor vehicle acciden

11、t liability compulsory insurance机动车交通事故责任强制保险(交强险)132.103.3Property and Casualty Insurance 财产保险132.104 Insurance cover area 承保区域132.105 Insurance intermediary 保险中介132.106 Insured 被保险人132.107 Interest 利息132.107.1Compound interest 复利132.107.2Interest bearing mode 计息方式132.107.3Interest rate利率132.107.4S

12、imple interest 单利132.108 Insurer 保险人132.109 IOP 不计免赔132.110 Issue 签发(保单)132.111 Invoice 发票132.112 Jurisdictions 司法管辖区132.113 Liability 责任132.113.1Third Party Liability (TPL) 第三者责任132.114 Loading 附加保费132.115 Loss 损失132.116 Loss adjuster 理算人132.117 Loss occurred area (财产险)出险区域142.118 Loss occurred tim

13、e (财产险)出险时间142.119 Margin 保证金142.120 Marketing 营销142.121 Marketing territory 营销区域142.122 Marriage status 婚姻状况142.123 Master policy 统括保单142.124 Motor body color 车身颜色142.125 Motor category 车辆类型142.126 Motor model 车型142.127 Motor type 车辆种类142.128 Motor usage 车辆使用性质142.129 Nature of business 营业性质142.130

14、 Net (Nt.) 净(金额)142.131 No claim discount (NCD)无赔款优待折扣142.132 Notice 通知，通知书142.133 Occupation 职业142.134 Open policy 开口保单142.135 Package selling 一揽子销售142.136 Paid in amount 实收金额142.137 Part-term premium rate 短期费率142.138 Payable amount 应付金额142.139 Payee 领款人142.140 Payer 付款人142.141 Payment ways 付款方式142

15、.142 Persistency rate 续保率142.143 Outstanding claim 未决赔款142.144 Policy 保单142.145 Policy holder, Policy owner 保单所有人142.146 Policy number 保单号142.147 Policy period 保险期限142.148 Policy status 保单状态142.148.1In force 有效142.148.2Suspended 中止152.148.3Terminated 终止152.149 Policy Termination 保单终止152.149.1Policy

16、Cancellation 保单注消152.149.2Policy Expiration 保单满期152.149.3Policy Rescission 保单取消152.149.4Policy Surrender 保单解约(退保)152.150 Policy year 保单年度152.151 Postal code 邮政编码152.152 Premium 保费152.152.1Advance premium 预收保费152.152.2Earned premium 已赚保费152.152.3Gross premium 毛保费152.152.4Net premium 净保费152.152.5Outst

17、anding premium 未收保费152.152.6Paid in premium 实收保费152.152.7Receivable Premium 应收保费152.152.8Receivable premium overdue 逾期应收保费152.152.9Rider premium 附加险保费152.152.10Risk premium 风险保费152.152.11Standard premium 标准保费152.152.12Unearned premium 未满期保费152.152.13Written premium 签单保费152.153 Premium payment mode 缴

18、费方式152.153.1Regular premium 期交保费152.153.2Single premium 趸交保费152.154 Premium payment period 缴费期间152.155 Premium rate 费率152.156 Product 产品162.157 project contractor 工程承包人162.158 Prospect 准保户162.159 Prospecting 展业162.160 Receipt 收据162.161 Receivable amount 应收金额162.162 Recovery 追偿162.162.1Recovery amoun

19、t 追偿金额162.162.2Recovery approach 追偿途径162.162.3Recovery date 追偿日期162.162.4Recovery party 被追偿人162.162.5Replevy amount 追回金额162.162.6Replevy date 追回日期162.163 Register 立案162.164 Reinsurance 再保险162.164.1Catastrophic reinsurance 巨灾再保险162.164.2Ceding company 分出保险公司162.164.3Facultative obligatory (facob) rei

20、nsurance 预约再保险162.164.4Facultative reinsurance 临时再保险162.164.5Nonproportional reinsurance 非比例再保险162.164.6Proportional reinsurance 比例再保险162.164.7Quota-share reinsurance 成数再保险162.164.8Recovered claim 摊回赔款162.164.9Reinsurer 再保险人（再保险公司）162.164.10Retention 自留额162.164.11Retention limit 自留限额162.164.12Stop-l

21、oss reinsurance 止损再保险172.164.13Surplus 溢额172.165 Renewal 续保172.166 Representation 告知172.166.1Misrepresentation 不实告知172.167 Percent (pct) 百分比172.168 Per mill 千分比172.169 Reserve 责任准备金172.169.1Statutory reserve 法定责任准备金172.169.2Substandard reserve 次标准体准备金172.170 Retrocession 转分保172.171 Return receipt 回执

22、172.172 Rider 附加险172.173 Risk 风险172.173.1Net amount at risk 净风险额172.173.2Risk assessment 风险评估172.173.3Risk class 风险等级172.173.4Substandard-risk 次标准风险172.174 Sales 业务员172.175 Salvage amount 残值172.176 Settled loss 已决赔款172.177 Settlement amount 理算金额172.178 Settlement or payment 收付款172.179 Ship license c

23、ode 船舶号码172.180 Ship classification 船级代码172.181 Ship registration port 船籍港172.182 Special agreement 特别约定172.183 Specialty 专业172.184 Subject-matter Insured 保险标的172.185 Sum insured 保险金额(保额)172.186 Surplus (1)(再保)溢额182.187 Surplus (2)(财务) 盈余182.188 Survey 查勘182.189 Surveyor 查勘人182.190 Tax authorities税务

24、机关182.191 Tax payment receipt 完税凭证182.192 Transportation 运输182.193 Traffic accident peccancy 交通违章182.194 Underwriting 核保182.194.1Computer screening 电脑核保182.194.2Jet screening 快速核保182.195 Underwriting conclusion 核保结论182.196 Underwriter 核保人182.197 Vehicle and vessel use tax车船使用税182.198 VIN 车辆识别代号18常用缩

25、写：18编号：FSI-AI-项目号-XXX1. 简介1.1 目的阐明该词汇表的目的。1.2 范围简要说明该词汇表的范围：它的相关项目，以及受到此文档影响的任何其他事物。1.3 参考资料本小节应完整列出此词汇表中其他部分所引用的任何文档。每个文档应标有标题、报告号（如果适用）、日期和出版单位。列出可从中获取这些参考资料的来源。这些信息可以通过引用附录或其他文档来提供。1.4 概述本小节应说明该词汇表中其他部分所包含的内容，并解释此文档的组织方式。2. 定义2.1 Accident 事故2.1.1 Traffic accident 交通事故2.2 Account (1) 账户2.3 Account

26、 (2) 会计科目2.4 Accounting 会计2.5 Administrative division 行政区划2.6 Advance 预付款2.7 Advice of payment 付款通知2.8 Age 年龄2.9 Agent 代理人2.10 Agency agreement 代理协议2.11 Agent license 代理许可证2.12 Aggregate 总计,合计2.13 Amount 金额2.14 Anti-dated Bill of Lading 倒签单2.15 Applicant 投保人2.16 Application 投保单2.17 Assessor 公估人2.18

27、Asset 资产2.19 Average 海损、海损分摊2.20 Balance 余额2.21 Bancassurance 银行保险2.22 Beneficiary 受益人2.23 Branch, Branch Office 分公司2.24 Broker 保险经纪人为多家保险公司销售保险产品的销售代理人2.25 Business address 营业场所2.26 Calendar year 日历年度参见“Policy year 保单年度” 2.27 Cargo 货物2.28 Case 赔案2.29 Cash 现金2.30 Catastrophe 巨灾2.31 Certificate 证件2.3

28、2 Channel (营销)渠道2.33 Claim 索赔2.34 Claim case 赔案2.35 Claim examination 核赔核查与理赔有关的一切资料，并作出赔付决定的过程2.36 Claim examiner 核赔人2.37 Claim handler 理赔人2.38 Claim notification 报案2.39 Claim settlement 理赔2.40 Claim settlement expense 理赔费用2.41 Claimant 索赔人申请赔付的人，可以是保单所有人，受益人，或是他们的代理人2.42 Clause 条款2.42.1 assignment

29、 clause 转让条款2.42.2 exclusion clause 除外责任条款2.43 Clause content 条款内容2.44 Closed policy 封闭型保单保险合同的一种，保单条款构成保单所有人和保险公司之间的完整协议参见Open policy 开口保单2.45 Coinsurance 共保2.46 Commission 佣金2.46.1 Payable commission 应付佣金2.47 Commission share rate 佣金拆分比例2.48 Commission rate 佣金比例佣金与所对应的保费之比2.49 Compulsory insurance

30、 强制保险2.50 Contract 合同2.51 Cooling off period 冷静期2.52 Corporation 法人2.53 Corporation deputy 法定代表人2.54 Cover note (c/n) 暂保单2.55 Coverage 险别2.56 Credit 贷方指记在账户右方的会计分录见Debit 借方2.57 Cross-selling 交叉销售向同一顾客提供财产/意外险和健康险产品以及其它金融产品的行为2.58 Currency 货币2.59 Customer service 客户服务2.60 Date 日期2.60.1 Application da

31、te 投保日期2.60.2 Birth date 出生日期Close date 结案日期Effective date (保单)生效日期2.60.3 Payable date 应付日期2.60.4 Receivable date 应收日期2.61 Debit 借方记在会记账户左方的会计分录见Credit 贷方2.62 Depreciation 折旧2.63 Deductable amount 免赔额在保险公司支付保险金之前，被保险人必须自已负担的一部分费用2.63.1 Straight deductible amount 绝对免赔额保险人以只部偿超过一定限额的损失为赔偿原则的起点金额2.64 D

32、eductable rate 免赔率免赔额与被保险人遭受的损失金额的比率2.64.1 Straight deductible rate 绝对免赔率2.65 Discount 折扣2.66 Disability 残疾2.67 Disability degree 伤残等级2.68 Dispute settled method 争议解决方式2.69 Distribution channel 销售渠道2.70 Distribution system 分销体系由团体和个人组成的网络进行必要的营销活动，将保险公司的产品销售给客户2.71 document against payment (DP) 见费出单

33、2.72 Draft (Drt)汇票2.73 Drawing amount 领取金额2.74 Driving age 驾龄2.75 Educational level 学历2.76 Employment organization 工作单位2.77 Endorsement 批单一种附于保单并成为保单组成部分的文件2.78 Engine number 发动机号2.79 Enterprise property 单位性质主要依据客户单位的经济类型（所有制）和所从事的业务活动的性质划分2.80 Excess of loss (EXL, XL)超额赔款2.81 Exchange rate 汇率2.82 E

34、xclusion 除外责任根据条款约定不在保险范围内的责任2.83 Export (EXP)出口2.84 Fee 费用2.84.1 Management fee 管理费2.85 Field force 外勤人员2.86 Finance 财务2.87 Frame number 车架号2.88 Franchise amount 相对免赔额当损失超过约定免赔额时，保险人才承担保险金额之内的所有损失见Deductable amount 免赔额 Straight deductible amount 绝对免赔额2.89 Franchise rate 相对免赔率当损失率超过免赔率时，保险人才承担保险金额之内

35、的全部损失见Deductable rate 免赔率 Straight deductible rate 绝对免赔率2.90 Gender 性别2.90.1 Male 男性2.90.2 Female 女性2.91 Grace period 缴费宽限期保险人对投保人未按时缴纳续期保费所给予的宽限期2.92 Grade 等级，评级2.93 Group insurance 团体保险2.94 Mileage 行驶里程2.95 Head quarter, Head Office 总公司2.96 Identity card number 身份证号2.97 Import (IMP) 进口2.98 Indemni

36、ty 赔款2.99 Indemnity coverage type 赔偿责任类型2.100 Indemnity limits 赔偿限额2.100.1 Limits of Indemnity for Any One Claim 每次赔偿限额2.101 Individual 个人2.102 Industry code 行业代码2.103 Insurance 保险2.103.1 Accident and Health Insurance 意外伤害和健康保险2.103.2 Motor Vehicle Insurance 机动车保险2.103.2.1 Motor vehicle accident lia

37、bility compulsory insurance机动车交通事故责任强制保险(交强险)2.103.3 Property and Casualty Insurance 财产保险2.104 Insurance cover area 承保区域2.105 Insurance intermediary 保险中介2.106 Insured 被保险人2.107 Interest 利息2.107.1 Compound interest 复利本金和先期的利息都予以计息的计息方式2.107.2 Interest bearing mode 计息方式2.107.3 Interest rate利率2.107.4 S

38、imple interest 单利仅对原始资金计处世的一种计息方式2.108 Insurer 保险人2.109 IOP 不计免赔2.110 Issue 签发(保单)2.111 Invoice 发票2.112 Jurisdictions 司法管辖区2.113 Liability 责任2.113.1 Third Party Liability (TPL) 第三者责任2.114 Loading 附加保费2.115 Loss 损失2.116 Loss adjuster 理算人2.117 Loss occurred area (财产险)出险区域2.118 Loss occurred time (财产险)

39、出险时间2.119 Margin 保证金2.120 Marketing 营销2.121 Marketing territory 营销区域2.122 Marriage status 婚姻状况2.123 Master policy 统括保单2.124 Motor body color 车身颜色2.125 Motor category 车辆类型2.126 Motor model 车型2.127 Motor type 车辆种类2.128 Motor usage 车辆使用性质2.129 Nature of business 营业性质2.130 Net (Nt.) 净(金额)2.131 No claim

40、discount (NCD)无赔款优待折扣2.132 Notice 通知，通知书2.133 Occupation 职业2.134 Open policy 开口保单参见Closed policy 封闭型保单2.135 Package selling 一揽子销售2.136 Paid in amount 实收金额2.137 Part-term premium rate 短期费率不足一年的费率2.138 Payable amount 应付金额2.139 Payee 领款人2.140 Payer 付款人2.141 Payment ways 付款方式付款的方式，分为现金，转账，支票，汇票等2.142 Pe

41、rsistency rate 续保率2.143 Outstanding claim 未决赔款2.144 Policy 保单2.145 Policy holder, Policy owner 保单所有人2.146 Policy number 保单号2.147 Policy period 保险期限2.148 Policy status 保单状态2.148.1 In force 有效2.148.2 Suspended 中止2.148.3 Terminated 终止2.149 Policy Termination 保单终止2.149.1 Policy Cancellation 保单注消2.149.2

42、Policy Expiration 保单满期2.149.3 Policy Rescission 保单取消因为投保单有重大的不实告知，保险公司撤销保险合同2.149.4 Policy Surrender 保单解约(退保)2.150 Policy year 保单年度在保险合同有效期内，保险合同效日一年期间或保单周年日至下一个保单周年日期间。在保险合同有和期内，保险合同一效日至下一年保单周年日期间为第1保单年度，保单周年日超对至下一保单周年日的期间为第2保单年度，依此推。见Calendar year 日历年度2.151 Postal code 邮政编码2.152 Premium 保费2.152.1

43、Advance premium 预收保费2.152.2 Earned premium 已赚保费保险责任已结束部分对应的保费2.152.3 Gross premium 毛保费2.152.4 Net premium 净保费2.152.5 Outstanding premium 未收保费保费应交日已至，但保险人尚未收到的保费2.152.6 Paid in premium 实收保费2.152.7 Receivable Premium 应收保费2.152.8 Receivable premium overdue 逾期应收保费2.152.9 Rider premium 附加险保费2.152.10 Risk

44、 premium 风险保费2.152.11 Standard premium 标准保费2.152.12 Unearned premium 未满期保费保险责任尚未结束部分对应的保费2.152.13 Written premium 签单保费2.153 Premium payment mode 缴费方式2.153.1 Regular premium 期交保费2.153.2 Single premium 趸交保费一次性交清的保险费2.154 Premium payment period 缴费期间2.155 Premium rate 费率2.156 Product 产品2.157 project con

45、tractor 工程承包人2.158 Prospect 准保户保险产品的潜在购买者2.159 Prospecting 展业识别，接触以及确认准保户的行为2.160 Receipt 收据2.161 Receivable amount 应收金额2.162 Recovery 追偿保险人按照保险同规定，对保险标的全部或部分损失履行经济补偿。如果补偿的全部或部分应由第三者承担，保险人可以代被保险人向第三者实施索赔。2.162.1 Recovery amount 追偿金额2.162.2 Recovery approach 追偿途径2.162.3 Recovery date 追偿日期开始追偿的日期2.162

46、.4 Recovery party 被追偿人 2.162.5 Replevy amount 追回金额2.162.6 Replevy date 追回日期实际追回的日期2.163 Register 立案2.164 Reinsurance 再保险2.164.1 Catastrophic reinsurance 巨灾再保险 一种非比例再保险计划，当一次意外事故产生的理赔次数超过确定的最低理赔次数时，再保险公司对超过规定的自留额损失进行赔付。2.164.2 Ceding company 分出保险公司2.164.3 Facultative obligatory (facob) reinsurance 预约

47、再保险临时再保险的变体综合了临时再保险和自动生效再保险的特征2.164.4 Facultative reinsurance 临时再保险一种再保险业务，再保险公司对分出公司分出的每一笔分见都作独立的承保决策2.164.5 Nonproportional reinsurance 非比例再保险2.164.6 Proportional reinsurance 比例再保险2.164.7 Quota-share reinsurance 成数再保险2.164.8 Recovered claim 摊回赔款2.164.9 Reinsurer 再保险人（再保险公司）2.164.10 Retention 自留额2.

48、164.11 Retention limit 自留限额对于单个保单，保险公司自已承担的最高保险限额2.164.12 Stop-loss reinsurance 止损再保险一种非比例再保险，再保险公司同意在一定期间和一定限额内，承保分出公司全部索赔额的一定比例2.164.13 Surplus 溢额2.165 Renewal 续保2.166 Representation 告知2.166.1 Misrepresentation 不实告知2.167 Percent (pct) 百分比2.168 Per mill 千分比2.169 Reserve 责任准备金2.169.1 Statutory reser

49、ve 法定责任准备金2.169.2 Substandard reserve 次标准体准备金2.170 Retrocession 转分保2.171 Return receipt 回执2.172 Rider 附加险2.173 Risk 风险2.173.1 Net amount at risk 净风险额2.173.2 Risk assessment 风险评估2.173.3 Risk class 风险等级2.173.4 Substandard-risk 次标准风险2.174 Sales 业务员2.175 Salvage amount 残值被保险的财产遭受损失事剩余的经济价值2.176 Settled

50、loss 已决赔款已立案且已结案的赔案的累计赔偿金额，包括已结案已付款和已结案未付款的赔案的累计赔偿金额2.177 Settlement amount 理算金额2.178 Settlement or payment 收付款2.179 Ship license code 船舶号码2.180 Ship classification 船级代码2.181 Ship registration port 船籍港2.182 Special agreement 特别约定2.183 Specialty 专业根据学科分类和社会职业分工而设立的培养人才的学业人别2.184 Subject-matter Insure

51、d 保险标的2.185 Sum insured 保险金额(保额)2.186 Surplus (1)(再保)溢额2.187 Surplus (2)(财务) 盈余2.188 Survey 查勘2.189 Surveyor 查勘人2.190 Tax authorities税务机关2.191 Tax payment receipt 完税凭证2.192 Transportation 运输2.193 Traffic accident peccancy 交通违章2.194 Underwriting 核保对被保险人或保险标的的风险程度进行评估并加以分类的过程2.194.1 Computer screening 电脑核保使用自动化系统来完成简单的核保工作2.194.2 Jet screening 快速核保按照来格规定的核保原则，尽可能快速地评估简单投保单的过程2.195 Underwriting conclusion 核保结论2.196 Underwriter 核保人2.197 Vehicle and vessel use tax车船使用税2.198 VIN 车辆识别代号常用缩写：缩写全称中文AbbrAbbreviati