insurance securitization 中文意思是什麼

insurance securitization 解釋
保險證券化
  • insurance : n 1 安全保障。2 保險，保險業。3 保險單〈通稱 insurance policy〉。4 保險費〈通稱 premium〉。5 保險...
  • securitization : 資產證券化
  1. The direct result of the insurance securitization is that a great quantity of capital can be attracted to flow into the insurance market, which will offer the investors the new, risk - separate investing channel and play an enormous role in improving the capital constitution of the financial industry and promoting the effective flow of the capital combined with the new changes of the calamity risk in the insurance industry both catastrophe internal and international, it is more important to securitize the insurance of the catastrophe risk

    保險證券化的一個直接結果是可以吸引大量資本流向保險市場，為投資者提供新的、風險獨立的投資渠道，對改善金融市場的資本構成，促進資本的有效流動將會發揮巨大的作用。結合國際國內保險業巨災風險的新變化，對巨災保險進行證券化尤為重要。
  2. There is a well - known saying in america : " securitize your dream. " aimed against the changes of international insurance industry, through the analysis of the characters and the enlarging trend of the catastrophe risk, this paper preliminarily considers on the securitization of catastrophe insurance both in theory and practices, on the basis of the discuss of the existing limitations of the traditional reinsurance towards the risk - scatter of the catastrophe insurance, using the international idea of the advanced insurance innovation and risk property - manage for reference

    美國有句名言： 「證券化你的夢」 。本文針對國際保險業經營環境的變化，通過對巨災風險的特性及其不斷擴大趨勢的分析，在論述傳統再保險對巨災保險的風險分散所存在的局限的基礎上，借鑒國際上先進的保險創新與風險理財理念，對巨災保險證券化進行了理論與實踐方面的初步探討。
  3. In 1990 ’ s, with huge impact of catastrophe risk on world insurance industry, a new kind of financial innovative instrument - insurance risk securitization has come into being

    上個世紀90年代，隨著巨災風險對世界保險業帶來的巨大沖擊，出現了一種新的金融創新工具? ?保險風險證券化。
  4. Based on the current situation of chinese housing mortgage loan insurance, a comprehensive system of housing mortgage loan insurance, which caters for the different consumers " demands for insurance, is put forward by the author. this system includes : housing mortgage loan insurance institution of government credit guarantee for the denizens of humble income and general income ; commercial housing mortgage loan insurance institution of having diversiform insurance fashions for the denizens of general income and booming income ; and bonding institution of government credit guarantee for promoting housing mortgage loan to securitization

    在分析了我國已有住房抵押貸款保險情況（我國住房抵押貸款保險業務已初具規模，但仍存在不少問題；已有的住房抵押貸款保險的品種單一，覆蓋面很窄；現行的住房抵押貸款保險在實際操作中存在許多誤區）的前提下，筆者提出針對不同消費者建立多種保險方式的住房抵押貸款保險體系，包括：為中低收入居民服務的政策性住房抵押貸款保險機構、為中等偏上及高收入居民服務具有多種險種的商業性保險機構和為促進住房抵押貸款證券化的政策性保險機構。
  5. In order to compete with traditional insurance industry and convert risks, western investment banks and insurance companies are actively studying insurance risk securitization, designing and developing risk converting instruments including insurance bonds, insurance derivative products and so on

    西方的投資銀行、保險公司都在積極研究保險風險證券化，設計開發包括保險債券、保險衍生產品等在內的風險轉移工具，來挑戰傳統的保險業，以達到轉移風險的目的。
  6. To make the analysis deeper and clearer, this paper postulates an actuarial case and probes the mathematical basis of life insurance securitization

    為了使剖析更加深入，本文還通過一個精算案例進一步研究壽險證券化的數理基礎。
  7. Practicing this regime requires certain pre - conditions such as the scale of mortgage loans, a brisk stock market, a huge group of investors as well as a number of intermediary service institutions including credit rating corporations, insurance companies, law firms and accounting firms. in china, the securitization of housing - mortgaged loans has become heatedly discused topic recently. in our country, initiate innovations are needed for the market potentiality of real estate, explosive expand in house requirement, further improvement in house market and to develop and reinforce the housing finance, and so mortgage - backed securities provided a ideal tool for resolving the problem for those

    所謂房地產抵押貸款證券化，就是將房地產抵押貸款債權轉化為房地產抵押證券的過程，具體而言，也就是金融機構將其持有的若干房地產抵押貸款依其期限、利率、還款方式進行匯集重組，形成一系列房地產抵押貸款資產池（資產組合） ，再將該組合出售給從事抵押貸款證券化業務的特殊目的機構（ spv ） ，通過擔保機構擔保實現信用升級后，經信用評級機構評級，由證券承銷商將信用級別較高（通常為aaa或aa級）的抵押貸款支持債券出售給投資者的一種證券化模式。
  8. The insurance securitization in 1990s followings after the banking securitization in 1980s, will impose great influence on the development of the instance industry, even the whole financial industry

    繼80年代銀行證券化後於90年代出現的保險證券化，將對保險業甚至整個金融業的發展帶來重要影響。
  9. The preface of this paper introduce the increasing new risks which provides the playground to catastrophe insurance securitization. chapter 1 describes the development and theoretical resource of catastrophe insurance securitization. chapter 2 states the increasing catastrophe risks and the challenges to traditional reinsurance, as well as the effects that produced by catastrophe insurance securitization. chapter 3, the main part of this paper, mainly discusses the several insurance derivatives. the main part discusses the several insurance derivatives produced by the securitization of catastrophe insurance : and etc, including the constructures operation advantages and disadvantages and the key factors of the dealing success

    本文的緒論部分介紹了新興風險的不斷涌現及其對巨災保險證券化所提供的背景；第一章介紹了保險證券化的發展及其理論基礎；第二章論述了巨災風險不斷擴大的趨勢下巨災風險對傳統再保險所提出的挑戰和巨災保險證券化對傳統再保險的影響；其主體部分即第三章主要論述了巨災保險證券化所產生的幾種保險衍生型產品：巨災債券、巨災期權、氣候期貨與期權以及其他幾種衍生型產品，包括其結構、運作、優缺點及其交易成功的關鍵因素等方面。
  10. However, in order for china to do securitization, we still need to solve the following problems : the lacking of enough matching laws and credit insurance and guarantee, for example, a necessary legal and regulatory framework that allows for the clear separation of assets into the spy, and clarifying the taxation issues related to asset transfers, which will determine whether the securitization vehicle is tax neutral or not

    Spv聘請信用評級機構對貸款組合的信用風險進行信用評級，以揭示證券的投資風險及信用水平，作為擬定發行證券的定價和證券結構設計的依據； （ 4 ）發行貸款抵押證券； （ 5 ）資產管理與回收資產收益。通過上述的運行機制，使需要資金的發起銀行事先獲取資金，以對新項目進行投資或發放新的貸款； （ 6 ）還本付息。
  11. Part three : analyzing the present situation of developing housing mortgage securitization in china, including the elementary mortgage market, the mortgage guarantee and insurance mechanism, intermediary agency in capital market, potential investors, and law circumstance, tax, accounting etc. part four : depending on the analysis of the second part and the third part, putting forward the steps and strategies to develop housing mortgage securitization in china and the objective mode of housing mortgage securitization in china

    第三部分：分析我國目前發展住宅抵押貸款證券化的背景條件，包括住宅抵押貸款初級市場、抵押擔保保險機制、中介機構、潛在的機構投資者、相關的法律環境、稅收、會計等一系列條件。第四部分：通過第二、三部分的分析，提出我國發展住宅抵押貸款證券化的策略和目標模式。
  12. Part three : analyzing the obstacles of developing the housing mortgage securitization in our country now, including the our country housing mortgage scale is not enough big, insurance and guarantee mechanism is not sound and personal reputation mechanism is not perfect, the marketization of interest rate system is not completed, the development of institution investor is still not mature and the development of intermediate institution is not perfect, the system of law is not sound, the related accounting system and tax revenue system is lack and blank etc. part four : passing the analysis of the second and third part put forward the whole idea and concrete strategies in our country to develop the housing mortgage securitization

    第二部分：首先對全球住房抵押貸款證券化的發展狀況進行了簡要的介紹與分析，然後選擇對我國有借鑒意義的美國、加拿大和香港等典型國家和地區的住房抵押貸款證券化實踐進行了詳細的比較分析，並從中得出：住房抵押貸款證券化是住房抵押貸款一級市場巨大發展的必然結果：政府的支持非常重要；住房抵押貸款證券化的發展需要一定的基礎條件以及需要因地制宜等一些關鍵性的啟示。第三部分：分析了我國當前實施住房抵押貸款證券化所面臨的一些具體障礙，其中包括有我國住房抵押貸款規模不夠大、保險與擔保機制不健全、個人信用體系不完善、利率體系非市場化、機構投資者的發展還不成熟、中介服務機構發展不完善、法律法規制度不健全以及相關會計制度和稅收制度的欠缺和空白等一系列的問題。
  13. In these years, insurance securitization has experienced a rapid development in the world, and it should be well developed in china

    近年來保險證券化產品在國際保險市場得到了長足的發展，保險證券化在中國也應該得到相應的發展。
  14. Based on some actual cases, this paper explores the category and operation structure of life insurance securitization, analyzes its function, pricing principle and risks

    結合具體案例，本文探討了壽險證券化的類型和運作方式，並詳細分析了壽險證券化的作用、定價原理和風險。
  15. Life insurance securitization will revise the traditional insurance theory. this paper will discuss the theoretical revolution it brings and the convergence of entire finance industry

    壽險證券化的創新不僅體現在實務方面，更重要的是這種創新可能帶來保險業經營理論的重大變革。
  16. Reviewing some important concepts, the characteristics of life insurance operation and its regulation, this paper deduces the essentiality and feasibility of life insurance securitization

    本文從壽險經營及監管特點出發，以幾個重要概念為基礎論證壽險業開展證券化的必要性和可行性。
  17. Insurance securitization enables the capital from capital market into insurance market, and hence helps the insurance or re - insurance companies to transfer their risks

    保險證券化通過建立保險支持證券，使資本市場的資金更好地進入保險市場，從而更好地幫助保險公司或再保險公司轉移承保風險。
  18. Under the background of this insurance securitization, this article analyses the situation of our country ' s natural catastrophes and existing cat insurance system, then proposes the idea of insurance securitization in china

    本文在保險證券化的背景下，分析了我國的自然災害狀況以及目前的巨災保險制度，提出了在我國推行保險證券化的建議。
  19. In addition, this article introduces the major insurance derivatives of other countries, carefully analyses the possibility of developing cat bonds in china, considers the general conditions of china ' s laws and bonds market, and finally makes a conclusion that we should begin our insurance securitization process with the cat bonds, and develop our cat insurance derivatives market in a gradual manner

    而且，本文在介紹了國外主要的保險證券化產品之後，對巨災債券在我國的發展進行了一定的分析，同時考慮到我國法律環境、債券市場環境等因素，認為現階段在我國全面開展保險證券化的時機還不成熟，提出從開展巨災債券業務入手，逐步發展巨災保險的衍生產品市場的結論。
  20. The ending part preliminarily considers on the apply of the securitization of catastrophe insurance in our country combined with the practice in our country. after describing the significance and analyzing the advantages and disadvantages of catastrophe insurance securitization in our country, this paper gives the correspondent advices in terms of the market environment, technology - support system and the supply of systems. the last section provides the preliminary blueprint and design of the development of catastrophe insurance securitization step by step

    文章的結尾部分結合我國實際對在我國運用巨災保險證券化進行了初步思考，在闡述巨災保險證券化給我國帶來的重要意義和分析我國運用巨災保險證券化所存在的利弊的基礎上，從市場環境、技術支撐體系以及制度供給等方面對我國運用提出了相應建議，並對我國分階段發展巨災保險證券化提出了初步設想。
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