business risk and insurance 中文意思是什麼
business risk and insurance
解釋
企業風險和保險-
At first, this thesis analyzes sorts of residential mortgage risks, brings forward some methods of risk control, points out that insurance is the most effective way to transfer the risks of residential mortgage, and introduces some insurances on residential mortgage in domestic financial market and abroad, expounds particularly the successful experience of usa where the business insurance agents, fha and va provide full ensurance for the loans of bank to disperse default risk, thus promotes the prosperity of real estate finance
本論文首先從分析住房抵押貸款的風險種類入手，提出了多種風險處理措施，指出住房抵押貸款風險最有效的轉移措施是保險，並介紹了國內外現行住房抵押貸款有關保險，詳細闡述了美國的成功經驗：通過商業保險公司、 fha 、 va等機構對銀行放款提供全方位保障，化解來自借款人不能償付貸款的風險，促使整個房地產金融活躍起來。 -
In consideration of multitype risk in the operation of insurance companies, this paper studies some important variables in insurance business and then comes to the conclusion that the surplus process is related to safe load and individual claim amount distribution when the preliminary reserve is zero while the surplus process is related to adjustment coefficient when the preliminary reserve is beyond zero
摘要考慮到保險公司同時經營多種不同質風險的情況，本文從保險業務中需要研究的幾個重要變量出發，研究了初始準備金為零時，盈餘過程與安全負荷及個體索賠額分佈有關；當初始準備金大於零時，盈餘過程與調節系數相關等情形。 -
The catastrophe risk straight strikes the soft rib of the world insurance business by its burst characteristics and the huge destructiveness
巨災風險以其突發性和巨大破壞性直擊世界保險業的軟肋。 -
Actually ， the risk evaluation for the process is the critical process for property insurance to make business ， and it is the first actor ， which could affect the business quality and the ability to make profits from this. especially in china ， the insurance company has no more channel for their currency ， this added the risk and also decreased the profits
財險公司承保前風險管理應該是整個公司運作至關重要的一個環節，它是財險公司的一道「門檻」 ，承保質量的優劣以及公司利潤的高低都在於這個環節，特別是由於宏觀政策的規定，我國保險資金運用渠道狹窄，賠付率高低便直接影響到我國保險公司的利潤。 -
But with the unceasing development of the housing loan total quantity and with the character of expensive value, the deadline long, the poor liquidity, the strong policy - type, as well as the housing loan business development time is not long in our country at present, the housing loan insurance, two levels of markets growth will be seriously insufficient, the commercial banks lack the risk disperser and the shift mechanism situation, they will cause the housing loan risk to accumulate day by day in the commercial bank and appear gradually
但隨著住房貸款總量的不斷增加和住房貸款本身數額大、期限長、流動性差、政策性強等特點，以及在我國目前住房貸款業務發展時間還不長，住房貸款保險、二級市場發育嚴重不足，商業銀行缺乏風險分散和轉移機制的情況下，使得住房貸款的風險在商業銀行中日益積累和逐步顯現出來。 -
There are 11 concentration areas available for students selection, including business economics, management information systems, supply chain and logistics management, general finance, financial engineering, insurance and risk management, management of international business, human resource management and marketing, etc
專修范圍共有十一個，包括商業經濟學、管理資訊系統學、供應鏈與物流管理學、綜合財務學、金融工程學、保險及風險管理學、國際企業管理學、人力資源管理學、市場學等。 -
Insurance broker administers a regulation ( try out ) " regulation, superintend sectional approval through insurance, insurance broker company can run the following business : 1, in order to conclude insurance contract is a purpose, offer fire prevention for policy - holder, prevent caustic or risk to evaluate and risk management seeks advice from a service
保險經紀人治理規定（試行） 》規定，經過保險監管部門批準，保險經紀公司可以經營以下業務： 1 、以訂立保險合同為目的，為投保人提供防火、防損或風險評估以及風險治理咨詢服務。 -
It was considered that regional superiority is the base of characteristic agricultural development, the products of characteristic agriculture should have obvious advantages both in yield and in quality, especially in quality ; merchandise economy is the fundamentality of characteristic agricultural development, the products of characteristic agriculture should be green products, and have more stronger market competition, market capacity corresponding scale, and brand benefit ; market demand is the key of characteristic agricultural development, market demand could be expanded and created by developing deep processing largely, market risk could be avoided by having consciousness of market risk and enhancing the analysis and judgment of market, market risk could be resisted by establishing risk sharing system between industry organizations and farmers, exploring business insurance system of agricultural production risk, perfecting price protection and subsidy system of agricultural products, and setting up risk fund system of agricultural products ; service system is the keystone of characteristic agricultural development, it include production, processing, storage, transportation and distribution of agricultural products, the technical service, information service and distribution service should be strengthened
認為： （ 1 ）區域優勢是發展特色農業的基礎，特色農產品在產量、尤其在品質上與其他地區相比，需具有明顯的優勢； （ 2 ）商品經濟是發展特色農業的根本，特色農產品應該是綠色產品，且具有較強的市場競爭力和品牌效益，以及與市場容量相適宜的規模； （ 3 ）市場需求是發展特色農業的關鍵，需要通過大力發展農產品的深加工業，改變人們的消費形式來擴展和創造市場需求，樹立市場風險意識，加強對市場風險的分析判斷來避免市場風險，建立產業化組織與農民之間利益共用，風險共擔的經營機制，探索農業生產風險的商業保險機制，完善農產品價格保護和價格補貼制度，建立農產品風險基金制度來抵禦市場風險； （ 4 ）服務體系是發展特色農業的重點，建立市場化的農村社會化服務新體系，包括農產品的生產、加工、儲藏、運輸、銷售等系列化服務，尤其是要加強技術服務、信息服務和銷售服務。 -
While ， if this case lasted so on there should be no profit for these civil insurance companies because of the competition from outside now. in this theme the writer has raised some proposals for the risk management pre - underwriting process in micro & macro area after the analysis of the process and take much on the decision of loss - control which is the most difficult process for most of insurance companies. the writer has also hoped that this analysis would benefit those people who are on the duty of loss - control ， and through the introducing of the ideas of loss - control and the details about this process to improve the interior control ， and hoped that these ideas would promote the risk management before they accepted one business ， so they can upgrade their brand value and make more profits
為此，本文在分析了目前國內財險公司風險管理現狀的基礎上，首先介紹了風險、風險管理的相關理論，包括風險的定義及分類、風險管理的沿革及定義、保險與風險管理的關系等內容，並強調了財險公司進行承保前風險管理的必要性和重要意義，隨後分析了財險公司承保前風險管理的基本流程? ?風險識別、風險分析及風險管理決策，並對這個過程中最為重要也最為困難的一個流程? ?風險識別進行了重點介紹，對財務報表分析法、流程圖法、損失統計分析法等具體方法都進行了較為詳細的介紹，並列舉了重慶平安對輕軌進行承保前風險評估的案例。 -
Embedded value ( ev ) is a measure of the consolidated value of shareholders " interests in the covered business after carefully considering the risk factors. it is composed by in - force business value and net adjusted value. the international insurance industry has long used this kind of method into every aspect of corporation management and decision making
國際上的壽險公司已經廣泛地將內含價值評估方法應用於公司管理以及決策的各個方面，而國內是最近幾年才引入內含價值的，並且目前主要是用於公司上市或者增資擴股時公司價值的評估，在其他方面的應用還並不很多，並且國內理論界專門探討壽險公司內含價值應用於公司管理的還非常少見。 -
Bocom has achieved six “ firsts ” in china ' s banking reform and development : the first to implement shareholding system for its capital and mode of ownership form ; the first to command an organizational structure based on market rules and cost / return rules ; the first to introduce competition into the banking industry in china ; the first to introduce assets / liability ratio management and apply it for regulating business operations and risk ; the first to build new bank / enterprise relationships based on two - way selection ; and the first commercial bank to integrate banking, insurance and securities businesses
交通銀行在中國金融業的改革發展中實現了六個「第一」 ，即第一家資本來源和產權形式實行股份制；第一家按市場原則和成本效益原則設置機構；第一家打破金融行業業務范圍壟斷，將競爭機制引入金融領域；第一家引進資產負債比例管理，並以此規范業務運作，防範經營風險；第一家建立雙向選擇的新型銀企關系；第一家可以從事銀行、保險、證券業務的綜合性商業銀行。 -
Majority are engaged in business services to be followed by banking and finance, and manufacturing. graduates from contemporary english studies, contemporary social issues and policy, international political and economic affairs, accounting, finance, risk and insurance management, and human resources management achieved 100 per cent engagement in employment or further studies. graduates from the bachelor of arts ( cultural studies - social & political studies stream ) programme have the highest average monthly income at hk $ 10, 923, while finance graduates come second earning hk $ 10, 808 per month on average
在眾多的畢業生中，修讀當代英語語言文學、當代社會問題與政策研究、國際政治經濟事務、會計、財務、風險及保險管理、以及人力資源管理的畢業生，全部獲受聘或繼續進修；而修讀文化研究系社會及政治研究課程的畢業生則錄得平均10 ， 923港元的最高月薪，居次則為修讀財務課程的畢業生，其平均月入為10 ， 808港元。 -
Export credit insurance ( eci ) is internationally accepted and is effective means of promoting exports, and it could bring not only the micro function of security guarantees receipt, obtaining bank financing and providing business information services, etc., more importantly, but macro function of implementation of country policies, such as national foreign trade, industry, finance and banking, etc. eci undertakes economic losses caused by buyer risk and country risk, but its core business is country risk, which is behaved in the form of political risk and economic risk
出口信用保險是國際上通行的促進商品出口的有效手段，不僅具有為企業保障收匯安全、獲取銀行融資和提供商業信息服務等微觀作用，更重要的是配合國家外貿、產業、財政、金融等政策實施的宏觀作用。出口信用保險承保買家風險和國家風險引起的經濟損失，以政治風險和經濟風險為表現形式的國家風險是其保險業務的核心。 -
Usually, the risk will not break out because of long term of the contract, due to which the company tends to pursue expansion of business and neglect of the hidden risk. so regulation is required in insurance industry
由於壽險合同的長期性，潛在的風險在短時期內常常不會暴露，導致壽險經營中易忽視風險的防範而片面追求業務的擴張，因此壽險業是一個需要監管的行業。 -
Enterprise risk management practice and theory originate in the american insurance of the 1930s. industrial and commercial business circles develop into a manage discipline in u. s. a. on the 50th
企業風險管理實踐和理論起始於20世紀30年代的美國保險業，於50年代在美國工商企業界發展成為一門管理學科。 -
Compared with traditional insurance industry, modern insurance includes not only economic compensation function, but also the fund circulation function and social risk management function. it is a new hedge definition of insurance business which were in possession equivalent important status in modern insurance industry, furthermore insurance fund must enforce there basic aspects that reform investment supervision policy, strengthen self ability of management in insurance company and improve capital market environment impel these three aspects together
隨著我國加入世界貿易組織、社會主義市場經濟的發展、直接承保業務利潤的下降以及保險經營思路的轉變，保險法關于保險資金運用的規定不能適應保險業發展要求的弊端日益凸現，使保險公司不能有效地吸收風險、管理風險，並從中獲得收益，而只能被動地迴避風險，其結果是形成嚴重的風險累計循環效應。 -
The scale of the business expands incessantly and the types of insurance increase. considering the limitations of the classical risk model and other generalized risk models, the multi - insurance risk model has been constructed
隨著保險公司經營規模的日益擴大，險種的多元化及新險種的不斷開發，單一險種的風險模型有其局限性，本文建立了多險種風險模型。 -
Experts of the insurance company operate the investment accounts, the customers posses all the investment income and at same time undertake all the investment risk. since june 2001, the operation of the pingan century finance insurance is not really ideal. at the same time, many foreign capital insurance companies will be permitted to run their business in china after china ' s entering wto
論文通過對投資賬戶的資產分佈結構，投資收益，短期投資等幾個方面的探討，分析了資金運作存在的問題，提出了解決問題的可行方案，這些方案包括：在投資渠道方面，增加投資渠道，如投資金融債券和企業債券，投資股票市場，投資質押貸款等。
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