保险利润

日本地震引起的损失同样导致了保险业利润的欠收。

Losses tied to the quake have already taken a toll on insurance industry profits .

续期保费收入具有比较高的稳定性和连续性的特点，是保险公司利润的主要来源，是保险公司持续发展的坚实基础。

Renewal premium has higher stability and continuity characteristics , is the main source of profit , and is a solid foundation for insurance company .

由于森林保险承保利润变得很微薄，甚至发生亏损，所以保险公司应该更加重视资本运用，从而提高投资收益，成为保险公司弥补承保亏损和获得利润的来源。

Because the forest insurance underwriting profit become very low loss , even happen , so the insurance company should pay more attention to capital application , thus improving the investment income , become the insurance company compensate for losses and a profit of insured source .

所以，一个综合成本率为100%的农作物冰雹险不给保险公司产生利润。

Thus , a combined ratio of100 for crop hail insurance produces no profit for the insurer .

人寿保险公司的利润主要来源于死差益、费差益和利差益，而死亡风险、费用风险和利率风险是人寿保险公司经营中面临的三个主要风险。

Mortality risk , expense risk and interest rate risk is three main risks for life insurance company ;

费率厘定风险是精算师在建立满足保险公司长期利润目标的充分费率时考虑的一些风险因素。

Premium ratemaking risk is the consideration of the factors by the actuary when fulfill the long-run profit target of insurance company .

商业养老保险机构在利润最大化目标的驱动下，所提供的保障是不完全的，也同样无法有效应对养老风险，防止老年贫困。

Commercial pension insurance institutions driven by profit maximization will provide uncomplete protection , and is also unable to effectively deal with pension risks .

其次，指出了本文研究的理论基础：养老保险理论、利润最大化理论、经济人假说。

Then , it states the theoretical basis of this research : pension insurance theory , profit maximization theory and hypothesis of economic man .

在意识到这个潜在的问题后，中国有关部门一直试图对该体系实行改革，其中一些改革可能给基金管理公司和保险公司带来利润丰厚的商机。

Aware of the potential problem , Chinese technocrats have been trying to implement reforms to the system , some of which could present rich opportunities for fund management and insurance companies .

样本期内，中国保险公司的利润效率水平呈平缓上升的态势；中国保险公司的成本控制机制得到了不断完善，成本效率水平呈现出整体略上升的趋势。

Sample period , the rising trend of Chinese insurance companies profit efficiency level were flat ; Chinese insurance cost control mechanism has been continuously improved , the overall trend of cost effective level showed slight upward .

作为保险行业主要利润来源的寿险业，吸引了中外资本的竞相追逐，导致寿险竞争主体急速增加，行业竞争日趋激烈。

As the main source of profit for the insurance industry , the life insurance industry is attracting a lot of investment by domestic and foreign consortiums . So , competition is increasingly fierce among more and more life insurance companies .

财产保险公司的承保利润即是其主营业务利润。

The underwriting profit in property insurance company is also the corn business profit .

竞争的主要业务领域是能给保险公司带来丰厚利润的集中型业务。

The main field of competitions is concentricity insurance that could bring profit to insurance company .

现时有否其它保险承保您的利润损失？如有，请详述具体情况。

Have you at present any insurance covering loss of profits ? If so , give details .

今年上半年，其普通保险业务的营业利润减少了31%，降至12亿美元。

The operating profit in the general insurance business declined 31 percent to $ 1.2 billion in the first half of the year .

实证结果还表明：保险人在设定利润目标、保险金额，估计营业费用时必须考虑未来有效保单年度内的通胀水平，否则将会给合同双方带来不同程度的利益损失。

The results also show that the insurer need to take into account the inflation when the insurer wants to set up profit targets , insurance amount and operating expenses . Otherwise , it will lead to various losses of profits .

市场本已预计，中国保险公司今年的利润会受到打击，因为它们难以与其在中国内地股市的巨额投资收益相媲美。中国股市去年上涨约97%。

Profits at Chinese insurers are already expected to take a beating this year as they struggle to match the spectacular gains they made from their investments in the mainland Chinese stock market , which rose around 97 per cent last year .

本文研究分析了某保险公司近年以利润总额为基础的考核政策的缺陷，提出了解决现有考核机制弊端的可行方案是创造性地引入经济增加值考核管理模式及风险资本的理念。

The article creatively introduced the concepts of Economic Value Added ( EVA ) Evaluation System and Venture Capital to solve out the malpractice in the current evaluation system after analyzing the defect of the gross-profit-based evaluation system of a certain insurance company .

工程保险成为保险公司新的利润增长点。

Engineering insurance becomes the new profits increase point to insurance company .

保险业竞争的加剧及承保利润率的降低，使得保险投资的重要性凸现，投资利润已成为保险业的主要利润来源。

Nowadays , insurance investment becomes more and more important , as the insurance competition picks up . Insurance company 's profit mainly comes from investment , along with the depression of accepting insurance profit .

与西方发达国家的保险公司不同的是，我国保险公司的利润还主要依靠保费收入。

Unlike the western insurance developed companies , profit of Chinese insurers mainly depends on the premium .

本文采用美国著名管理学家迈克尔·波特的五种竞争作用力理论，结合中国保险业的实际情况，分析中国保险产业的利润空间。

The article analyses the profit space of Chinese insurance industry according to porter 's theory combined the practice .

在全球范围的激烈竞争当中，服务质量和顾客满意成为其竞争成败的关键因素，财产保险保单的续购和推荐也成为保险公司利润创造和持续健康发展的源泉，是顾客忠诚的体现。

As the property companies entered the stage for global competition , service quality and customer satisfaction are becoming the most important factors in business competitions . Furthermore , customer repurchase and recommendation , which incarnate customer loyalty , can obtain more profit and further development for Z insurance companies .

在开放的保险市场上，保险人想依靠直接保险业务获得丰厚利润是件困难的事情。

In open insurance market , it is a difficult thing that insurers want to obtain great profits depending on the direct insurance .

在这个过程中，防范保险欺诈、降低赔付率、搞好理赔管理成为各家保险公司增加利润、巩固经营成果的有效途径。

During the courses , it is an effective way of increasing profit and strengthening run achievement to be on guard of insurance fraud , to lower claim rate and to better claims handling for every insurance company .

首先，外资保险公司的进入，加强了保险市场竞争程度，导致保险企业保费利润率的迅速下滑。

First , foreign capital insurance company of into , enhanced the insurance market competition degree , cause insurance business enterprise insurance fee profit margin dropped quickly .

Ironshore的卓越管理团队将帮助本集团的保险业务从财险、寿险、再保险有效延伸至特殊险，提升来自保险业务的利润贡献。

Ironshore 's excellent management team will enable the Group to effectively extend its insurance business from property casualty insurance , life insurance , reinsurance to specialty insurance , and increase the profit contribution from its insurance business .

银行保险作为全球经济一体化和金融服务融合的产物，已成为银行和保险业提高利润率、开辟新市场的重要手段。

Bancassurance as a world economic integration and fusion of financial services , banking and insurance has become the new markets , an important means to improve profitability .

研究结果表明，费率监管削弱了保险公司对市场变化的反映能力，使保险费率的调整滞后于市场变化，导致保险公司利润波动。

The findings reveal that the rate regulation weakens the abilities of insurance company to respond to the changing markets , makes the company 's rate adjustment lag behind the markets change , and results in company 's profits fluctuating .

接着论文围绕保险企业的经营，分析了保费的定价原理及寿险费率的影响因素，准备金提取原理及保险企业利润组成。

Secondly , centering on insurance company 's business , the paper analyzed how to decide premium , the theory of drawing reserve and insurance company 's profit .