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1、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 turno
2、ver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 in
3、surance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
4、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 l
5、imitedpayment 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 Va
6、lue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
7、 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 ass
8、et 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
9、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 duratio
10、n 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 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 fund
