保险业常用词汇中英文对照第一篇：保险业常用词汇中英文对照保险业常用词汇中英文对照第一部分：保险承保业务1、一般保险原理保险insurance保险业insuranceindustry保险业务结构businessstructures保险业主体bodiesinInsuranceIndustry被保险人insured理赔claimsettlement承保利润微薄underwritingprofitisslight承保能力insurancecapacity承保业务underwritingoperation未决赔款储备金reserveIBRN大数法则LawofLargeNumbers营业额turnover市场缺陷marketimperfections社会保险socialinsurance个人代理人personalagent银行保险bankinsurance直销straightpin佣金brokerage手续费commissioncharges再保险reinsurance2、财产保险财产保险propertyinsurance长尾long－tail长期护理保险long—termcareinsurance短尾short－tail综合赔付率combinedratio自留retention车险autoinsurance财产保险propertyinsurance责任保险liabilityinsurance农业保险agriculturalinsurance巨灾保险catastropheinsurance意外伤害保险casualtyaccidentinsurance3、寿险词汇变额寿险variablelifeinsurance长寿保险insuranceonlastsurvivor定期寿险terminsurance合同储蓄机构contractualsavinginstitutions红利pidend疾病保险sicknessinsurance简易险industrialinsurance健康保险healthinsurance巨额医药费保险majormedical"insurancepolicy可变保费寿险flexible—premiumlifeinsurance利差损interestspreadrisk利率敏感型产品interest—sensitivewholelife赔期/期限indemnityperiod/limit普通寿险ordinarylifeinsurance人寿保险lifeinsurance预定利率市场化Market-basedAssumedInterestRate团险groupinsurance限期缴费终身寿险limited—paymentwholelifeinsurance养老保险endowmentinsurance医疗保险insuranceformedicalcare医疗费用保险medicalexpenseinsurance终身寿险wholelifeinsurance准备金reserve伤残收入保险disabilityincomeinsurance失能incapacity可变万能寿险Variable-universallifeinsurance可变年金Variableannuity评估价值AppraisalValue内含价值EmbededValue新业务价值ValueofNewBusiness税收优惠taxbreak税收递延型养老保险Deferredtaxendowmentinsurance大病医疗保险Largequantitymedicalinsurance分红保险ParticipatingInsurance传统保险traditionalinsurance理财型保险financialplanningorientedinsurance投资连结寿险unit—linkedlifeinsurance4、保险偿付能力风险资本要求risk—basedcapital固定最低成本要求fixedminimumcapitalrequirement保险偿付能力监管insurancesolvencyregulation保险监管信息系统InsuranceRegulatoryInformationSystem财务分析跟踪系统FinancialAnalysisTrackingSystem偿付能力Solvency偿付能力不足insolvent认可资产admissibleassets第二部分保险资产管理1、行业主体和监管保险资产管理insuranceassetmanagement保险法insurancelaw保险资产管理公司insuranceassetmanagementcompany中国人保集团People'sInsuranceCompanyofChina(简称PIC