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1、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turnove
2、r 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 ins
3、urance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
4、 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
5、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 E
6、mbeded 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 insurance 4、保险偿付能力风险资本要求riskbased capital 固定最低成本
7、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 ins
8、urance 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 investab
9、le 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 d
10、uration 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
11、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 method5、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 fund5
