《非寿险定价》专业词汇英汉对照表.docx

非寿险定价专业词汇英汉对照表accidentdate事故日期accountinginformation会计信息actualunderwritingprofit实际承保利润allocatedassets已占用资产allocatedlossadjustmentexpense，ALAE直接理赔费用attachmentpoint起赔点autophysicaldamage车损险balanceprinciplemethod平衡法basicpremium基本保费Bonus-MalusSystem，BMS奖惩系统brokeragefee经纪人佣金burningcost燃烧成本法calendaryearinvestmentoffsetprocedure日历年投资收益抵消法calendaryearreturnonequitymethod日历年权益回报率法carry forwardprovision滚转条款casereserve逐案估损准备金cedingcommission分保手续费changesinequity权益增量charge超支claimdatabase索赔数据库claimfrequency索赔频率claimseverity索赔强度claim/accidentlimit每次索赔/每次事故的限额claims-madepolicy索赔发生式保单clashcover冲击层closeratio，conversionrate签约率coinsurance共同保险coinsuranceapportionmentratio共保分摊比率coinsuranceclause共保条款coinsurancedeficiency共保不足coinsurancepenalty共保惩罚coinsurancerequirement共保要求coinsurer共保人combinedratio综合成本率complementofcredibility信度补项compositerating综合费率conditionalsurvivalprobability条件生存概率consumerpriceindex消费者价格指数contingencyprovision不利偏差准备corporatetargetunderwritingprofitprovisions目标承保利润附加corridorclause损失走廊条款credibilityfactor信度因子deferredacquisitionbalance递延承保费用余额dispersionparameter离散参数earnedexposures到期风险单位数earnedpremium已赚保费employmentcostindex工资成本指数equity权益equityflows权益流excessloss超额损失excesslosspremium超额损失保费excesspurepremiumratio超额纯保费比率excessratio超额赔款比率expectedlossesexcessofdeductible期望超额赔款expectedvalueoftheprocessvariance过程方差的均值expenseconstant费用常数expensefee费用保费expensefeemethod费用保费法experiencerating经验费率exposedexcess超额风险层exposurebase风险基础exposurecurve风险曲线exposureunit风险单位extensionofexposures风险单位数扩展法facultativereinsurance临时再保险financialreinsurance财务再保险finitereinsurance有限风险再保险first-yearclaims-madepolicy第一期索赔报案制保单fixedexpensefee固定费用保费fixedexpenseratio固定费用率fixedexpenses固定费用fundamentalinsuranceequation基本保险方程generalizedlinearmodels广义线性模型generallyacceptedaccountingprinciplesreturnonequity公认会计准则下的权益回报率guaranteedcostpremium成本保费homeownersinsurance房主保险IBNER已发生未完全报案赔款IBNR已发生未报案赔款increasedlimitfactor增限因子incurredbutnotenoughreported，IBNER报案不足准备金incurredbutnotreported,IBNR已发生未报案准备金incurredbutnotreported,IBNR已发生未报案赔款incurredloss已发生赔款in-forceexposures有效风险单位数in-forcepremium有效保费insuranceequation保险方程InsuranceServiceoffice, ISO美国保险服务局insurancetovalue足额投保internalrateofreturn内部回报率internalrateofreturnmethod内部回报率法investibleequity可投资权益investmentgain投资收益limitofliability责任限额loss&LAEratio赔款和理赔费用率lossadjustmentexpenseratio理赔费用率lossconstants损失常数losscost赔款成本losscostmethod损失成本法lossdevelopment损失进展法losseliminationratio,LER赔款消减比率lossratio赔付率lossratiomethod赔付率法manualrates手册费率marginaltotalmethod边际总和法matureclaims-madepolicy成熟期索赔报案制保单minimumbiasmethod最小偏差法modelyearplan模型年计划naturalparameter自然参数netinsurancecharge净保险超支netpremium净保费newmoneyyield新投资回报率no-claimdiscount，NCD无赔款优待numberofexposures风险单位数numberoflines线数occurrencepolicy事故发生制保单occurrence/annualaggregatelimit事故/年度累积限额one-wayanalysis单项分析法operationalexpenseratio经营费用率overinsurance超额保险paidloss已付赔款paybackapproach付还法paybackperiod付还期peroccurrenceexcess事故超赔再保险permissiblelossratio允许赔付率per-riskexcess险位超赔policydatabase保单数据库policyholder-suppliedfunds保单持有人资金premium保费premiumbase保费基础premiummethod保费法premiumprinciple保费原理premiumrate保险费率premiumreversal保费逆转premium-to-surplusratio保费盈余比presentvalueofincomeoverthepresentvalueofequitymethod收益现值比权益现值法presentvalueoffsetprocedure现值抵消法presentvaluereturnoncashflowmethod现金流的现值收益法primaryinsurer原保险人probablemaximumloss最大可能损失profitcommission纯益手续费projectedfixedexpenseprovision固定费用附加率prospectivemethod前瞻法purepremiummethod纯保费法purepremiumrate纯费率quotashare成数分保ratefilings费率备案表rateonline在线费率ratemakingmanual费率手册ratingalgorithm定价公式ratingplan费率计划ratingtables费率表realizedcapitalgain已实现资本利得reinsurance再保险reinsurer再保险人renewratio续保率reportdate报案日期reportedloss已报案赔款report-year-by-lagmatrix报案年-延迟年矩阵retrospectivedate追溯日retrospectivedevelopmentpremium追溯进展保费retrospectivemethod追溯法retrospectivepremium追溯保费returnperiod重现期riskinformation风险信息risk-adjusteddiscountedcashflowmethod风险调整的折现现金流法risk-returntrade-off风险收益平衡safetyloading安全附加safetylevel安全水平savings节余schedulerating表定费率second-yearclaims-madepolicy第二期索赔报案制保单slidingscale浮动手续费standardpremium标准保费statutoryreserves法定准备金statutorysurplus法定盈余statutorysurplusrequirement法定盈余需求stockholder-suppliedfunds股东资金subjectpremium原保费surplus盈余surplusshare溢额分保swingplan摆动计划tailpolicy尾部责任保technicalratio技术综合赔付率treatyreinsurance合约再保险truncationpoint截断点ultimateloss最终赔款umbrellapolicies伞型保单unallocatedlossadjustmentexpense，ULAE间接理赔费用underinsurance不足额保险underwritingexpense承保费用underwritingexpenseratio承保费用率underwritinggain承保收益underwritingguidelines承保指南underwritingprofitprovision承保利润附加unearnedexposures未到期风险单位数unearnedpremium未赚保费variableex