policy of life insurance 中文意思是什麼

policy of life insurance 解釋
人壽保險單, 人身保險單
  • policy : n 1 政策，政綱；方針，方向；方法。2 策略；權謀；智慧；精明的行為。3 【軍事】政治，行政。4 〈蘇格...
  • of : OF ＝Old French 古法語。
  • life : n （pl lives）1 生命，性命。2 一生；壽命；【原子能】（亞原子粒子的）生命期；使用期限，耐久性。3 ...
  • 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...
  1. Below are two versions of a reply of an insurance company to a bank ' s request for details of a life assurance. the policy is to be assigned to the bank

    下面是兩封由保險公司應銀行要求回復的生命保險信函範本。政策是由銀行指派。
  2. The participation policy holder can enjoy the surplus of dispensability. the surplus of dispensability is the profits which the life insurance company manages. the surplus of dispensability are adjusted in such way that the performances of life insurance company on the investment portfolio

    分紅保險的一般特點是按照相對保守的精算假設設定較高的費率，而將每年該類保險產品產生的盈餘按照一定的分配標準以分發紅利的方式分配給客戶。
  3. Based on the insurance actuarial theory and the classic financial engineering theory, the paper analyses the value of life insurance policies with embedded surrender option, and finds out that whether the surrender option is exercised is related to several factors in a certain policy, in which the relation varies with the change of factors ' value

    摘要利用保險精算和金融工程理論對含有退保期權的壽險保單價值進行了分解，發現退保期權的行使與否和某一特定保單的若干參數相關，這種關系隨著保單參數值的變化而變化。
  4. Based on an statement of relative elements of life insurance and analysis of some key concepts, the thesis firstly sums up, compares and analyzes the commercial life insurance supply market in china from two aspects : company and product ; secondly, it introduces a method of measuring one ' s insurance demand, expound the methods and strategies of how to choose a company or a product : how to choose a company is to calculate, compare and analyze the ratios of debt and profit, which are based on statements of assets and debts and statements of losses and profits. a choice is made finally according to the above results ; how to choose a product include the methods of comparing all kinds of policy cost, and a empirical analysis is made for term policy cost, in addition, on basis of the present situation of life insurance market in china, author bring forth a simple way to choose participate insurance

    本文在闡述有關壽險基本知識並剖析其中關鍵概念的基礎上，首先從壽險公司和壽險險種兩個方面對中國商業人壽保險供給市場進行了歸納、比較和分析，接著介紹了確定保險需求的方法以及選擇壽險公司和險種的方法和策略：選擇壽險公司的具體方法是以各壽險公司的資產負債表和損益表為依據，計算出並比較分析各公司的償債比率和盈利比率，來考察其償債能力和盈利能力，最後根據結果做出相應選擇；選擇壽險險種的方法包括比較各類壽險保單成本的方法，本文對其中的定期壽險保單成本進行了實證分析，並根據中國壽險市場的現狀，提出了選擇分紅險的簡易方法。
  5. By the end of the end of september 2003, china life insurance company limited achieve premium income 105. 1 billion yuan, accounting for 45. 8 % of the national market share, and china life insurance ( group ) company for 54 % of overall market share, its operations in 31 provinces and cities in the autonomous region of 29, ranked first in market share ; a dangerous and difficult mission, accident insurance and health insurance business are high, and has over 100 million customers and 150 million of long - term insurance policies provide a short - term policy

    截至到2003年9月底，中國人壽保險股份有限公司實現保費收入1051億元，佔全國市場份額的45 . 8 % ，與中國人壽保險（集團）公司的總體市場份額為54 % ，其經營的業務在31個省市自治區中的29個，市場份額排名第一；個險、團險、意外險和健康險業務均名列前茅，並已為超過1億的長期保單客戶和1 . 5億的短期保單客戶提供過服務。
  6. As the participation policy includes the minimum interest rate guaranteed and the annuities of the participation policy are variable based to the reward level of investment portfolio, so the measurement of the participation policy is different from the traditional life insurance product. it embeds a put option

    在分紅保險的定價中，一般假設更高的預期死亡率、經營費用、退保率，更低的預定利率等，但將這些精算假設定到什麼程度為合適，要依各公司自己的經驗而定。
  7. If a policyholder surrenders a policy before the eighth anniversary of its life coverage, an early surrender charge may apply. the surrender charge is the life insurance premium applicable when life coverage is purchased

    保單持有人如在投保年期首8年內退保，可能要支付提早退保費，款額是在購買人壽保險時生效的人壽保險費。
  8. Policy - holder is old period after life - insurance pay insurance cost, retreat ahead of schedule before insurance expires protect, two kinds are retreated differently maintain pattern, one kind is to arrive two years in retreat the poundage with already handed in insurance cost to deduct certain is pressed when protecting reimburse insurance cost ( the insurance cost that waits to will be received then undertakes returning returning after deducting poundage, not plan breath or do not keep a cost ) ; another kind returns cost of money namely, back down during exceeding particular insurance namely protect, right now insurance company according to previous provision each period cost of money undertakes returning returning to policy - holder, be equal to gold of repayment of capital and interest are returned to already paying insurance cost after deducting certain overhead expenses, the cost of money after arriving 2 years 3 years commonly has exceeded the insurance cost of original pay, will have compound interest rise in value according to fixed interest rate, the cost of money that these can add after clauses gets exact numerical value on the watch

    投保人為多年期的人壽保險繳納保費后，在保險到期之前提前退保，有兩種不同的退保方式，一種是一到兩年之內退保時按已交保費扣減一定的手續費退還保費（等於是將收到的保費在扣除手續費后進行返還，不計息或不保值） ；另一種就是退還現金價值，也就是在超過一定的保險期間後退保，此時保險公司按照先前規定的各期現金價值對投保人進行返還，等於在扣除一定的治理費用后對已交保費返還本金和利息，一般二年到三年後的現金價值就已經超過原來繳納的保費，並將按照一定的利率進行復利增值，這些都可在保險條款后所附的現金價值表上得到準確的數值。
  9. On the basis of literature review, we first identify the main risks in the china " s life insurance industry. the mange risks of life insurance are divided three types : the first type is the risk of environment including the risk of period of operating cycle, the risk of market competition, the policy risk and catastrophic risk ; the second type is operational risk, including decision risk, location risk of branch of insurance and so on. the third type is man - made risk, including the morals risk, psychological risk and so on

    在對現有文獻和研究成果總結回顧的基礎上，本文首先分析了中國壽險業面臨的主要風險，壽險的經營風險分為三大類：第一類是環境性風險，包括經濟周期風險、市場競爭風險、政策風險、巨災風險；第二類是經營性風險，包括決策風險、險種定位風險、定價風險、業務管理風險、準備金風險、投資風險、分保風險、退保風險、應收保費風險、財務管理風險、破產風險；第三類是人為性風險，包括道德風險、心理風險、逆選擇風險、從業人員素質風險。
  10. But, in policy - holder and insurant the circumstance that is not same person falls, the body that because be benefited, the implementation of authority involves insurant or life, be sure in order to obtain to prevent insurant of occurrence plot a murder golden morality is dangerous, protect the interest of insurant, " insurance law " while formulary policy - holder has authority to appoint beneficiary beneficiary, stipulate this kind is appointed again must agree via insurant

    但是，在投保人與被保險人不是同一人的情況下，由於受益權的實現涉及到被保險人的身體或者生命，為了防止出現謀害被保險人以取得保險金的道德危險，保護被保險人的利益， 《保險法》在規定投保人有權指定受益人的同時，又規定這種指定必須經被保險人同意。
  11. Traditional life danger books interest rate is fixed mostly, when policy - holder buys insurance, affirmatory already termination of contract can get gold of how many insurance

    傳統壽險預定利率大多是固定的，投保人買保險時，就已確定合同期滿可領多少保險金。
  12. Interest risk in pricing of life insurance product is defined as the loss probability resulting from unfavorable variation of real investment return rate of life insurance capital from policy ordered fixed credit interest rate

    本論文的研究對象是壽險定價利率風險，壽險定價利率風險是指壽險資金實際收益率與保單預定利率之不利偏差引起的虧損的可能性。
  13. However, the traditional actuarial theory supposes that the policy ordered credit interest rate is fixed. actually, interest rate is stochastic, which results to interest rate risk in pricing of life insurance product. what the thesis studies is interest rate risk in pricing of life insurance product

    然而傳統的精算定價理論假設:利率是確定的，即精算師在定價過程中採用確定的保單預定利率，但事實上利率具有隨機性，從而會引發壽險定價利率風險。
  14. By researching, the major innovations of this paper are : ( 1 ) analysises the assets and liabilities table and the loss and gain table of life insurance companies in china from 1998 to 2001 in detail, comprehensively reflects the structure of assets and liabilites in the life insurance companies even in the whole life insurance industry of our country during the recent years ; ( 2 ) on the aspect of assets management, our country should reduce the proportion of monetory assets, improve the proportion of investment assets and establish the scientific investment management system, and suitably lower the proporty of the fixed assets on the premise of guaranteeing the operation ; ( 3 ) on the aspect of management of matching assets and liabilities, the life insurance company of our country should reduce the sales of the policies of prearranged high insuranc rate, develop the new type of life insurance products and match each policy with prearranged high interest rate with high interest rate investment correspondingly ; ( 4 ) as refering to the index system of assets and liabilities management of the commercial banks in our country, it has explored that of the life insura

    第三部分從壽險公司的資產管理、負債管理、資產負債匹配管理及資產負債匹配管理評價指標四個方面進行了分析和研究。本文的主要創新之處是： （ 1 ）將自1998年至2001年國內所有壽險公司的資產負債表和損益表進行了詳細的分析，比較全面地反映了我國近年來各壽險公司及整個壽險業資產負債的結構狀況； （ 2 ）在資產管理方面，我國應適當降低貨幣類資產的比例、提高投資類資產的比例並建立科學的投資管理體系、保證經營的前提下適當降低固定資產的比例、盡量減少佔用類資產的比例等； （ 3 ）在資產負債匹配管理方面，我國壽險公司應盡量減少高預定利率保單的銷售、發展新型壽險產品，每銷售一批較高預定利率的保單就應選擇相應高利率的投資與之對應匹配； （ 4 ）借鑒我國商業銀行資產負債管理的指標體系，探討了壽險公司資產負債匹配管理的指標體系。
  15. Will tell commonly, the age of policy - holder should be in above of 18 one full year of life ; additional, current and accident injury insurance, general cast protect age limitation to be in 65 years old the following, endowment insurance, major disease is sure to restrict the age in 60 years old the following

    一般來講，投保人的年齡應該在18周歲以上；另外，目前意外傷害保險，一般都把投保年齡限制在65歲以下，養老保險、重大疾病保險則將年齡限制在60歲以下。
  16. The surplus is uncertain because the incomes of life insurance company are uncertain, but the life insurance gives a guarantee benefits to the policy holder

    分紅保險就其產品保障的本質而言，與傳統保險沒有區別，其最大的特點在於定期計算產品的盈餘並就產品的盈餘在壽險公司和客戶之間進行分配。
  17. Insurance payment received by the beneficiary of a life insurance policy or annuity in which the beneficiary and the proposer are not the same person and the life insurance policy and annuities are contracted after this act coming into force

    二、本條例施行后所訂立受益人與要保人非屬同一人之人壽保險及年金保險，受益人受領之保險給付。
  18. Sheng meei machine mfg., co offers a series of fringe benefits for employees such as high pay, favorable welfare, life insurance, accommodation adn free lunch. etc. a rationalized, scientific and humanistic management and policy are well implemented in the companywide

    本公司薪資待遇優厚福利優越，公司及工廠有員工人身保險，公司安排住宿，午餐免費供應等。本公司一貫奉行「
  19. Manulife - sinochem is a recognized market leader in shanghai, having introduced a number of industry firsts into the china insurance market. manulife - sinochem introduced the first profit - sharing life insurance policy in china ; the concept of family medical insurance ; and investment - linked rider packaged with a profit - sharing plan that provide family protection, retirement saving, and investor - choice wealth accumulation, all in one policy

    中宏保險現為上海的保險業翹楚，率先在中國保險市場引進多項嶄新的保險產品，包括推出中國首張分紅人壽保險保單推行家庭醫療保險概念及將投資連結附加保險與分紅保險結合，成為一張集家庭保障退休儲蓄及投資理財於一身的保單。
  20. Advocates the donation of life insurance policy payouts to charitable organisations

    -由來自內地的學生學者組成的聯誼性社團。
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