underwrite

简明释义

英[ˌʌndəˈraɪt]美[ˌʌndərˈraɪt]

v. 承担经济责任，提供财力支持；承保；承购，包销（未获认购的股份）；在……下面写

第 三 人 称 单 数 u n d e r w r i t e s

现 在 分 词 u n d e r w r i t i n g

过 去 式 u n d e r w r o t e

过 去 分 词 u n d e r w r i t t e n

英英释义

单词用法

同义词

反义词

例句

1.The government will have to create a special agency to underwrite small business loans.

政府将不得不建立一个专门机构来为小额企业贷款提供担保。

2.Public institutions will survive these cutbacks because state monies will continue to underwrite operating expenses.

公立院校将渡过这种削减的困难，因为州财政将同意继续承担办学费用。

3.They have undertaken to underwrite a large proportion of the supermarket's deficits.

他们已承诺支付该超级市场赤字的一大部分。

4.One state law did almost pass, but Banks that underwrite emerging-market sovereign-debt issues managed to block it.

一项州法的确几乎得以通过，不过被包销新兴市场主权债务发行的银行设法阻止了。

5.To underwrite Greece's entire privatisation programme.

揽下希腊的全部私有化计划。

6.If its members are to underwrite each other's debts, they will demand more say in each other's budget plans.

假如其成员们为彼此的债务而进行资助，他们将会要求在彼此的预算计划上有更多的发言权。

7.But imagine that what's gone on is there's been decay of the brain structures that underwrite the cognitive functioning.

但这样设想一下，大脑的结构正在败坏，破坏了认知能力。

8.Lenders are run for private benefit, but taxpayers underwrite them if things go wrong.

出借人经营是为了私人能获益，但是一旦出现问题，则是纳税人承担责任。

9.To secure funding, the nonprofit organization needed someone to underwrite their annual gala.

为了获得资金，这个非营利组织需要有人承保他们的年度晚会。

10.Investors were hesitant to underwrite the project without a solid business plan.

没有一个稳健的商业计划，投资者对承保这个项目感到犹豫。

11.The government will underwrite the costs of the new infrastructure project.

政府将承保新基础设施项目的费用。

12.The bank agreed to underwrite the loan for the new business venture.

银行同意承保这项新商业计划的贷款。

13.Insurance companies often underwrite policies based on risk assessment.

保险公司通常根据风险评估来承保保单。

作文

In the world of finance and insurance, the term underwrite refers to the process by which an individual or institution takes on financial risk for a fee. This process is crucial in various sectors, including banking, insurance, and investment. For instance, when a company wants to issue stocks, it may hire an investment bank to underwrite the offering. The investment bank essentially guarantees that it will buy any unsold shares, thus providing a safety net for the company. By doing so, the bank assumes the risk associated with the stock issuance, allowing the company to raise capital without fear of failing to sell its shares. This relationship between the issuer and the underwriter is foundational in capital markets, facilitating smoother transactions and instilling confidence among investors.In the insurance industry, underwriting is equally significant. Insurance companies assess risks associated with insuring individuals or entities. When someone applies for insurance, the company evaluates various factors such as health history, lifestyle choices, and potential hazards. Based on this assessment, the insurer decides whether to underwrite the policy and at what premium rate. This careful evaluation helps maintain the balance of risk within the insurance pool, ensuring that the company remains financially viable while providing coverage to those who need it.Moreover, underwriting extends beyond traditional finance and insurance. In the realm of academia, universities often underwrite research projects by providing funding or resources. This support allows researchers to explore innovative ideas and contribute to knowledge advancement. By underwriting these initiatives, educational institutions play a vital role in fostering creativity and scientific discovery.The concept of underwriting also finds its way into social initiatives. Non-profit organizations frequently seek grants or donations to fund their projects. When a foundation decides to underwrite a program, it commits financial resources to support the cause. This kind of underwriting is essential for the sustainability of many charitable efforts, helping to address societal issues such as poverty, education, and healthcare.Despite its benefits, underwriting carries inherent risks. For example, if an insurance company misjudges the risk of insuring a group, it could face significant losses. Similarly, investment banks can suffer financial setbacks if they underwrite a poorly performing stock. Therefore, thorough research and analysis are vital components of the underwriting process across all fields.In conclusion, the term underwrite encompasses a broad spectrum of activities that involve assuming financial risk for a fee. Whether in finance, insurance, academia, or social initiatives, underwriting plays a pivotal role in facilitating progress and innovation. Understanding the implications of underwriting helps individuals and organizations navigate the complexities of risk management, ultimately contributing to a more stable and prosperous society.

在金融和保险的世界中，术语underwrite指的是个人或机构以费用承担财务风险的过程。这个过程在银行、保险和投资等多个领域至关重要。例如，当一家公司想要发行股票时，它可能会聘请一家投资银行来underwrite这次发行。投资银行基本上保证它将购买任何未售出的股份，从而为公司提供安全网。通过这样做，银行承担了与股票发行相关的风险，使公司能够筹集资金，而不必担心未能出售其股份。这种发行者和承销商之间的关系是资本市场的基础，有助于促进更顺利的交易，并增强投资者的信心。在保险行业，underwriting同样重要。保险公司评估与为个人或实体投保相关的风险。当有人申请保险时，公司会评估健康历史、生活方式选择和潜在危险等各种因素。基于这种评估，保险公司决定是否underwrite该保单以及以什么保费率。这样的仔细评估有助于维持保险池内的风险平衡，确保公司在为需要保障的人提供覆盖的同时保持财务可行性。此外，underwriting超越了传统的金融和保险。在学术界，大学通常通过提供资金或资源来underwrite研究项目。这种支持使研究人员能够探索创新思想并为知识的进步做出贡献。通过underwriting这些倡议，教育机构在促进创造力和科学发现方面发挥着至关重要的作用。underwriting的概念也渗透到社会倡议中。非营利组织经常寻求拨款或捐款来资助其项目。当一个基金会决定underwrite一个项目时，它承诺提供财务资源来支持这一事业。这种类型的承销对许多慈善工作的可持续性至关重要，帮助解决贫困、教育和医疗等社会问题。尽管有其好处，但underwriting也带有固有的风险。例如，如果保险公司错误判断了一组的投保风险，可能会面临重大损失。同样，如果投资银行underwrite表现不佳的股票，也可能遭受财务损失。因此，彻底的研究和分析是所有领域承销过程的重要组成部分。总之，术语underwrite涵盖了一系列涉及以费用承担财务风险的活动。无论是在金融、保险、学术界还是社会倡议中，underwriting在促进进步和创新方面都发挥着关键作用。理解underwriting的含义帮助个人和组织应对风险管理的复杂性，最终有助于建立一个更加稳定和繁荣的社会。