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
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 account
4、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the mean-variance method
5、第三方业务
财富管理wealth management
第三方投资管理the third-party asset management
企业年金occupational annuity
养老金pension
集合投资产品collective investment fund。