loss portfolio of the preceding year

简明释义

上年度未决赔款责任

英英释义

例句

1.Investors are concerned about the implications of the loss portfolio of the preceding year on future profitability.

投资者对前一年的损失组合对未来盈利能力的影响感到担忧。

2.The financial report highlighted significant changes in the loss portfolio of the preceding year compared to this year.

财务报告强调了与今年相比，前一年的损失组合发生了显著变化。

3.Management decided to implement new strategies based on the findings from the loss portfolio of the preceding year.

管理层决定根据前一年的损失组合的发现实施新策略。

4.The insurance company reviewed the loss portfolio of the preceding year to identify trends in claims.

保险公司审查了前一年的损失组合以识别索赔趋势。

5.To set premiums accurately, actuaries analyze the loss portfolio of the preceding year for various risk factors.

为了准确设置保费，精算师分析前一年的损失组合以评估各种风险因素。

作文

In the world of finance and insurance, understanding the concept of a loss portfolio of the preceding year is crucial for risk management and financial planning. A loss portfolio refers to a collection of claims or losses that an insurance company has experienced over a specific period, typically a year. The term 'preceding year' indicates that we are looking at the losses incurred in the year prior to the current one. Analyzing this portfolio allows insurers to assess their past performance and make informed decisions about future policies and premiums.When an insurance company evaluates its loss portfolio of the preceding year, it examines various factors such as the types of claims filed, the frequency of those claims, and the total monetary value of the losses. This analysis can reveal patterns or trends that may influence the company's underwriting strategies. For example, if there is a significant increase in claims related to natural disasters in the previous year, the insurer may decide to adjust its policies or premiums for properties in high-risk areas.Moreover, the loss portfolio of the preceding year serves as a benchmark for comparison in subsequent years. By maintaining a historical record of losses, insurance companies can better predict future risks and allocate resources more effectively. This predictive capability is essential for maintaining financial stability and ensuring that the company can meet its obligations to policyholders.Another important aspect of the loss portfolio of the preceding year is its role in regulatory compliance. Insurance regulators often require companies to report their loss experience to ensure that they are operating within acceptable risk parameters. By analyzing the preceding year's losses, regulators can assess whether a company is adequately capitalized to cover potential future claims. This oversight helps protect consumers and maintain confidence in the insurance market.In addition to regulatory implications, the loss portfolio of the preceding year can also impact the company's reputation and competitive positioning in the marketplace. A company that consistently reports lower losses may be viewed as more reliable and financially sound, attracting more customers and investors. Conversely, a company with a high loss ratio may struggle to retain clients and could face increased scrutiny from regulators.Furthermore, understanding the loss portfolio of the preceding year enables insurance companies to implement proactive measures to mitigate future risks. By identifying the root causes of losses, insurers can develop targeted strategies to reduce exposure. For instance, if a particular type of claim is prevalent, the company might invest in loss prevention programs or enhance its customer education efforts to minimize the likelihood of similar claims occurring in the future.In conclusion, the loss portfolio of the preceding year is a vital tool for insurance companies, providing insights into past performance and guiding future decision-making. Through careful analysis of this portfolio, insurers can improve their risk management practices, comply with regulatory requirements, enhance their market position, and ultimately provide better service to their clients. As the insurance landscape continues to evolve, the importance of understanding and managing the loss portfolio of the preceding year will only grow, making it an essential focus for industry professionals.

在金融和保险的世界中，理解“前一年损失组合”这一概念对于风险管理和财务规划至关重要。损失组合是指保险公司在特定时期（通常是一年）内经历的一系列索赔或损失。“前一年”这一术语表明我们正在查看前一年发生的损失。分析这个组合使保险公司能够评估其过去的表现，并就未来的政策和保费做出明智的决策。当保险公司评估其“前一年损失组合”时，会检查各种因素，例如提交的索赔类型、这些索赔的频率以及损失的总货币价值。这种分析可以揭示可能影响公司承保策略的模式或趋势。例如，如果前一年与自然灾害相关的索赔显著增加，保险公司可能会决定调整高风险地区的物业政策或保费。此外，“前一年损失组合”作为后续年份比较的基准。通过保持损失的历史记录，保险公司可以更好地预测未来风险并更有效地分配资源。这种预测能力对于维持财务稳定性和确保公司能够履行对保单持有人的义务至关重要。“前一年损失组合”的另一个重要方面是其在监管合规中的作用。保险监管机构通常要求公司报告其损失经验，以确保它们在可接受的风险参数内运营。通过分析前一年的损失，监管机构可以评估公司是否具备足够的资本来覆盖潜在的未来索赔。这种监督有助于保护消费者并维护对保险市场的信心。除了监管影响之外，“前一年损失组合”还可以影响公司的声誉和市场竞争地位。一个持续报告较低损失的公司可能被视为更可靠和财务稳健，从而吸引更多客户和投资者。相反，一个损失比例较高的公司可能会在留住客户方面面临困难，并可能受到监管机构的更多审查。此外，理解“前一年损失组合”使保险公司能够采取主动措施来减轻未来风险。通过识别损失的根本原因，保险公司可以制定针对性的策略以减少暴露。例如，如果某种特定类型的索赔普遍存在，公司可能会投资于损失预防项目或加强客户教育工作，以最大限度地降低类似索赔发生的可能性。总之，“前一年损失组合”是保险公司的一项重要工具，提供了对过去表现的洞察，并指导未来的决策。通过对这一组合的仔细分析，保险公司可以改善其风险管理实践，遵守监管要求，提高市场地位，并最终为客户提供更好的服务。随着保险行业的不断发展，理解和管理“前一年损失组合”的重要性只会增加，因此这是行业专业人士必须关注的重点。