actuarial statement of valuation

简明释义

评价精算表

英英释义

例句

1.The insurance company provided an actuarial statement of valuation to assess the current liabilities of the policyholders.

保险公司提供了一份精算估值报告来评估保单持有人的当前负债。

2.The board of directors reviewed the actuarial statement of valuation before making investment decisions.

董事会在做出投资决策之前审查了精算估值报告。

3.During the annual review, the accountant requested the actuarial statement of valuation for the pension fund.

在年度审查中，会计师要求提供养老金基金的精算估值报告。

4.A detailed actuarial statement of valuation can help identify potential financial risks in the insurance portfolio.

详细的精算估值报告可以帮助识别保险投资组合中的潜在财务风险。

5.The actuarial statement of valuation is crucial for determining the premium rates for life insurance policies.

对于确定人寿保险保单的保费率来说，精算估值报告至关重要。

作文

In the realm of finance and insurance, understanding the intricacies of various terms is crucial for effective decision-making. One such term that plays a significant role in assessing the financial health of an organization is the actuarial statement of valuation. This document is essential for insurance companies and pension funds as it provides a detailed analysis of the liabilities and assets, ensuring that they are adequately funded to meet future obligations. An actuarial statement of valuation serves as a comprehensive report prepared by actuaries, who are professionals trained in mathematics, statistics, and financial theory. Their expertise allows them to evaluate the financial implications of uncertain future events, particularly those related to mortality, longevity, and other risk factors. The valuation statement typically includes projections of future cash flows, assessment of current assets, and estimates of future liabilities. The primary purpose of the actuarial statement of valuation is to ensure that an entity has sufficient resources to cover its commitments. For insurance companies, this means having enough reserves to pay out claims. For pension funds, it involves ensuring that there are enough assets to pay retirees their promised benefits. The actuarial valuation process involves analyzing historical data, demographic trends, and economic conditions to create realistic and reliable forecasts. Moreover, the actuarial statement of valuation is not just a static document; it requires regular updates and revisions to reflect changing circumstances. As life expectancy increases and economic conditions fluctuate, actuaries must adjust their calculations to maintain the accuracy of the valuation. This dynamic nature of the statement underscores the importance of continuous monitoring and assessment in financial planning. In addition to its practical applications, the actuarial statement of valuation also plays a vital role in regulatory compliance. Many jurisdictions require insurance companies and pension plans to submit these valuations to demonstrate their financial stability and ability to meet obligations. Regulators rely on this information to protect consumers and ensure the integrity of the financial system. Furthermore, stakeholders, including investors, policyholders, and employees, benefit from the transparency provided by the actuarial statement of valuation. By understanding the financial position of an organization, they can make informed decisions regarding investments or retirement planning. This transparency fosters trust and confidence in the financial institution, which is essential for its long-term success. In conclusion, the actuarial statement of valuation is a critical tool in the financial landscape, providing invaluable insights into the future viability of insurance companies and pension funds. Its comprehensive analysis of assets and liabilities ensures that organizations remain solvent and capable of fulfilling their promises to policyholders and retirees. As the financial environment continues to evolve, the importance of accurate and timely actuarial valuations cannot be overstated. By grasping the significance of the actuarial statement of valuation, stakeholders can navigate the complexities of financial management with greater assurance and clarity.

在金融和保险领域，理解各种术语的复杂性对于有效决策至关重要。其中，一个在评估组织财务健康方面发挥重要作用的术语是精算估值报告。该文件对保险公司和养老金基金至关重要，因为它提供了对负债和资产的详细分析，确保它们有足够的资金来满足未来的义务。精算估值报告是由精算师准备的全面报告，精算师是经过数学、统计和金融理论培训的专业人士。他们的专业知识使他们能够评估不确定未来事件的财务影响，尤其是与死亡率、寿命和其他风险因素相关的事件。估值声明通常包括未来现金流的预测、当前资产的评估以及未来负债的估计。精算估值报告的主要目的是确保一个实体拥有足够的资源来覆盖其承诺。对于保险公司，这意味着必须有足够的准备金来支付索赔。对于养老金基金，这涉及确保有足够的资产来支付退休人员的承诺福利。精算估值过程涉及分析历史数据、人口趋势和经济条件，以创建现实且可靠的预测。此外，精算估值报告不仅仅是一个静态文件；它需要定期更新和修订，以反映变化的情况。随着预期寿命的增加和经济条件的波动，精算师必须调整其计算，以保持估值的准确性。这种声明的动态特性强调了财务规划中持续监测和评估的重要性。除了其实际应用外，精算估值报告在合规监管中也发挥着重要作用。许多管辖区要求保险公司和养老金计划提交这些估值，以证明其财务稳定性和履行义务的能力。监管机构依赖这些信息来保护消费者并确保金融系统的完整性。此外，投资者、保单持有人和员工等利益相关者受益于精算估值报告所提供的透明度。通过了解组织的财务状况，他们可以就投资或退休规划做出明智的决策。这种透明度促进了对金融机构的信任和信心，而这对其长期成功至关重要。总之，精算估值报告是金融领域的一项关键工具，为保险公司和养老金基金的未来可行性提供了宝贵的见解。对资产和负债的全面分析确保组织保持偿付能力，并能够履行对保单持有人和退休人员的承诺。随着金融环境的不断演变，准确及时的精算估值的重要性不容小觑。通过掌握精算估值报告的重要性，利益相关者可以更有信心和清晰地驾驭财务管理的复杂性。