保险业常用词汇中英文对照

保险业常用词汇中英文对照

第一部分：保险承保业务

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reinsurance

2、财产保险

财产保险property insurance

长尾long－tail

长期护理保险long—term care insurance

短尾short－tail

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 insurance

3、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flexible—premium life insurance

利差损interest spread risk

利率敏感型产品interest—sensitive 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limited—payment 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unit—linked life insurance

4、保险偿付能力

风险资本要求risk—based 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 People's 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 Act

2、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 return

3、组合管理