loss ratio

简明释义

损害率 ［保险］

英英释义

例句

1.A low loss ratio often signifies a well-managed insurance portfolio.

较低的损失比率通常意味着良好的保险投资组合管理。

2.A loss ratio above 100% means that the company is paying out more in claims than it is receiving in premiums.

超过100%的损失比率意味着公司支付的索赔超过了收到的保费。

3.Investors are concerned about the rising loss ratio in the property insurance sector.

投资者对财产保险行业不断上升的损失比率表示担忧。

4.The actuary calculated the loss ratio to assess the company's financial health.

精算师计算了损失比率以评估公司的财务健康状况。

5.The insurance company reported a loss ratio of 60% for the last quarter, indicating higher claims than expected.

保险公司报告了上个季度的损失比率为60%，这表明索赔高于预期。

作文

In the world of finance and insurance, understanding various metrics is crucial for making informed decisions. One such important metric is the loss ratio, which plays a significant role in assessing the performance of an insurance company. The loss ratio is defined as the ratio of claims paid by an insurer to the premiums earned during a specific period. This figure helps to determine how well an insurance provider is managing its risk and pricing its policies. A low loss ratio indicates that the insurer is effectively managing its risks and not paying out too many claims relative to the premiums collected. Conversely, a high loss ratio may suggest that the insurer is either facing higher-than-expected claims or is underpricing its policies, leading to potential financial instability.For example, if an insurance company earns $1 million in premiums and pays out $600,000 in claims, its loss ratio would be 60%. This means that 60% of the premiums are being used to cover claims, while the remaining 40% can be allocated towards administrative costs, profit, and reserves. Investors and analysts closely monitor the loss ratio because it provides insights into the company's underwriting practices and overall financial health.Understanding the loss ratio is also essential for policyholders. When shopping for insurance, individuals should consider the loss ratio of different providers. A company with a favorable loss ratio is likely to be more stable and capable of handling claims efficiently. On the other hand, a company with a poor loss ratio might struggle to pay out claims, which could leave policyholders vulnerable in times of need.Moreover, the loss ratio can vary significantly across different types of insurance. For instance, health insurance typically has a higher loss ratio compared to property insurance because medical claims tend to be more frequent and costly. Understanding these nuances helps both insurers and consumers make better decisions. Insurers can adjust their pricing strategies based on the loss ratio, while consumers can choose policies that align with their risk tolerance and financial goals.In conclusion, the loss ratio is a vital metric in the insurance industry that reflects how well an insurer manages its risks relative to the premiums it collects. It is an important indicator for investors, analysts, and policyholders alike. By understanding the loss ratio, individuals can make more informed decisions about their insurance needs and ensure they are choosing a provider that will be there when they need it most. Ultimately, knowledge of the loss ratio empowers consumers and enhances the stability of the insurance market as a whole.

在金融和保险的世界中，理解各种指标对于做出明智的决策至关重要。其中一个重要指标是损失比率，它在评估保险公司表现方面发挥着重要作用。损失比率被定义为保险公司在特定时期内支付的索赔与所赚取的保费之间的比率。这个数字有助于确定保险提供者如何管理风险和定价其政策的有效性。较低的损失比率表明保险公司有效地管理其风险，相对于收取的保费没有支付过多的索赔。相反，较高的损失比率可能表明保险公司面临比预期更高的索赔，或者其政策定价不足，从而导致潜在的财务不稳定。例如，如果一家保险公司赚取了100万美元的保费并支付了60万美元的索赔，则其损失比率将为60%。这意味着60%的保费用于覆盖索赔，而剩余的40%可以分配给行政费用、利润和准备金。投资者和分析师密切关注损失比率，因为它提供了对公司承保实践和整体财务健康状况的洞察。理解损失比率对于投保人也是至关重要的。在寻找保险时，个人应考虑不同提供者的损失比率。拥有良好损失比率的公司往往更加稳定，能够有效处理索赔。另一方面，拥有较差损失比率的公司可能在支付索赔时遇到困难，这可能使投保人在需要时处于脆弱状态。此外，不同类型的保险之间的损失比率可能会有显著差异。例如，健康保险的损失比率通常高于财产保险，因为医疗索赔往往更频繁且成本更高。理解这些细微差别有助于保险公司和消费者做出更好的决策。保险公司可以根据损失比率调整其定价策略，而消费者可以选择与其风险承受能力和财务目标相一致的政策。总之，损失比率是保险行业中的一个重要指标，反映了保险公司如何相对于其收取的保费管理风险。它是投资者、分析师和投保人都非常关注的关键指标。通过理解损失比率，个人可以更明智地决定他们的保险需求，并确保选择一个在需要时能提供支持的提供者。最终，对损失比率的了解赋予了消费者权力，并增强了整个保险市场的稳定性。