保险业务的常用词汇.docx

保险业务的常用词汇据360教育集团介绍：1、一般保险原理保险 insurance保险业 insurance industry 保险业务结构 business structures 保险业主体 bodies in Insurance Industry 被保险人 insured理赔claim settlement承保利润微薄 underwriting profit is slight 承保能力insurance capacity承保业务 underwriting operation 未决赔款储备金 reserve IBRN大数法则 Law of Large Numbers营业额turnover市场缺陷 market imperfections社会保险social insurance个人代理人 personal agent银行保险 bank insurance直销 straight pin佣金 brokerage手续费 commission charges 再保险 reinsurance2、财产保险财产保险property insurance长尾longtail长期护理保险longterm care insurance短尾shorttail综合赔付率combined ratio自留retention车险 auto insurance财产保险 property insurance责任保险 liability insurance农业保险 agricultural insurance巨灾保险 catastrophe insurance意外伤害保险 casualty accident insurance3、寿险词汇变额寿险 variable life insurance长寿保险insurance on last survivor定期寿险term insurance合同储蓄机构 contractual saving institutions红利 dividend疾病保险sickness insurance简易险 industrial insurance健康保险health insurance巨额医药费保险major medical“ insurance policy可变保费寿险 flexiblepremium life insurance利差损 interest spread risk利率敏感型产品 interestsensitive whole life赔期/期限indemnity period/limit普通寿险 ordinary life insurance人寿保险life insurance预定利率市场化 Market-based Assumed Interest Rate团险group insurance限期缴费终身寿险 limitedpayment whole life insurance养老保险endowment insurance医疗保险insurance for medical care医疗费用保险medical expense insurance终身寿险whole life insurance准备金reserve伤残收入保险 disability income insurance失能 incapacity可变万能寿险 Variable-universal life insurance可变年金 Variable annuity评估价值 Appraisal Value内含价值Embeded Value新业务价值 Value of New Business税收优惠 tax break税收递延型养老保险Deferred tax endowment insurance大病医疗保险Large quantity medical insurance分红保险 Participating Insurance传统保险 traditional insurance理财型保险 financial planning oriented insurance投资连结寿险 unitlinked life insurance4、保险偿付能力风险资本要求riskbased capital固定最低成本要求 fixed minimum capital requirement保险偿付能力监管insurance solvency regulation保险监管信息系统 Insurance Regulatory Information System财务分析跟踪系统 Financial Analysis Tracking System偿付能力 Solvency偿付能力不足 insolvent认可资产 admissible assets第二部分 保险资产管理1、行业主体和监管保险资产管理insurance asset management保险法 insurance law保险资产管理公司 insurance asset management company中国人保集团Peoples Insurance Company of China(简称 PICC)中国人保资产管理公司 PICC Asset Management Company Limited慕尼黑再保险资产管理公司Munich ERGO Asset Management GmbH（简称MEAG） 中国保监会China Insurance Regulatory Commission（简称CIRC）保险投资“新政”innovation policies in insurance investment可投资资产investable asset投资公司法案 Investment Company Act2、委托受托关系委托人 client受托人 trustee委托管理 mandate绝对收益absolute return相对收益 relative return3、组合管理大类资产配置 assets allocation战略资产配置Strategic Assets Allocation（简称SAA）战术资产配置 Tactic Assets Allocation（简称TAA）流动性管理 liquidity management资产负债管理 Asset-Liability Management（简称ALM）久期匹配duration matching现金流匹配cash flow matching一般账户 general account独立账户separate account4、类别投资固定收益投资fixed-income investment持有到期类资产 held-to-maturity asset交易类资产 trading asset可供出售类资产 asset available for sale股票投资 equity investment基金投资fund investment另类投资 alternative investment境外投资 overseas investment基础设施债权计划infrastructure debt investment plan 未上市企业股权投资 private equity investment 不动产投资real estate investment利率互换 Interest Rate Swap（简称IRS） 均值一方差分析