margin (of solvency)

简明释义

限度

英英释义

例句

1.The insurance company reported a strong margin (of solvency), indicating its ability to meet future claims.

这家保险公司报告了强劲的偿付能力余度，表明其能够满足未来的索赔。

2.A healthy margin (of solvency) is crucial for the long-term success of any insurance provider.

健康的偿付能力余度对任何保险提供商的长期成功至关重要。

3.A declining margin (of solvency) may signal potential risks to investors.

下降的偿付能力余度可能向投资者发出潜在风险的信号。

4.Regulators require a minimum margin (of solvency) to ensure financial stability in the banking sector.

监管机构要求银行业保持最低的偿付能力余度以确保金融稳定。

5.The fund manager analyzed the margin (of solvency) of various companies before making investment decisions.

基金经理在做出投资决策之前分析了各公司的偿付能力余度。

作文

In the world of finance and insurance, understanding the concept of margin (of solvency) is crucial for both companies and regulators. The margin (of solvency) refers to the buffer that an insurer has to cover its liabilities. Essentially, it is a measure of the financial health of an insurance company, indicating whether it has enough assets to meet its future obligations to policyholders. A robust margin (of solvency) ensures that an insurance company can withstand unexpected losses and continue to operate effectively in the market.The importance of maintaining a healthy margin (of solvency) cannot be overstated. For instance, during economic downturns or catastrophic events, insurers may face a surge in claims. If a company has a strong margin (of solvency), it can absorb these shocks without jeopardizing its financial stability. On the other hand, a weak margin (of solvency) can lead to insolvency, which not only affects the company but also has broader implications for the economy and consumers who rely on insurance coverage.Regulators closely monitor the margin (of solvency) of insurance companies to ensure that they remain solvent and can fulfill their obligations. This oversight helps maintain consumer confidence in the insurance market. If a company’s margin (of solvency) falls below a certain threshold, regulators may intervene by requiring the company to raise additional capital or take corrective actions to restore its financial health.Moreover, the margin (of solvency) is often influenced by various factors, including investment performance, underwriting practices, and overall market conditions. Companies that manage their investments wisely and engage in prudent underwriting are likely to have a stronger margin (of solvency). Conversely, those that take excessive risks may find themselves in a precarious position, with a margin (of solvency) that is insufficient to cover potential losses.In conclusion, the margin (of solvency) is a vital indicator of an insurance company's financial strength and stability. It serves as a safeguard for policyholders and plays a significant role in the overall integrity of the financial system. As such, both insurers and regulators must prioritize maintaining a healthy margin (of solvency) to ensure the long-term viability of the insurance industry. Understanding this concept is essential for anyone involved in finance or insurance, as it directly impacts the ability of companies to serve their customers and meet their obligations. By fostering a culture of sound financial management and risk assessment, the industry can better protect itself against unforeseen challenges and continue to thrive in an ever-changing economic landscape.

在金融和保险领域，理解偿付能力边际的概念对公司和监管机构来说至关重要。偿付能力边际是指保险公司用于覆盖其负债的缓冲。基本上，它是衡量保险公司财务健康状况的指标，表明它是否拥有足够的资产来满足未来对保单持有人的义务。强大的偿付能力边际确保保险公司能够承受意外损失，并在市场上有效运作。保持健康的偿付能力边际的重要性不容小觑。例如，在经济衰退或灾难性事件发生时，保险公司可能会面临索赔激增。如果公司有强大的偿付能力边际，就可以吸收这些冲击，而不会危及其财务稳定。另一方面，弱的偿付能力边际可能导致破产，这不仅影响公司，还会对依赖保险保障的经济和消费者产生更广泛的影响。监管机构密切监测保险公司的偿付能力边际，以确保它们保持偿付能力并能履行其义务。这种监督有助于维护消费者对保险市场的信心。如果一家公司的偿付能力边际低于某个阈值，监管机构可能会干预，要求公司筹集额外资本或采取纠正措施以恢复其财务健康。此外，偿付能力边际通常受到多种因素的影响，包括投资表现、承保实践和整体市场条件。明智管理投资和进行审慎承保的公司可能会拥有更强的偿付能力边际。相反，那些承担过度风险的公司可能会发现自己处于危险境地，其偿付能力边际不足以覆盖潜在损失。总之，偿付能力边际是保险公司财务实力和稳定性的关键指标。它为保单持有人提供了保障，并在金融体系的整体完整性中发挥了重要作用。因此，保险公司和监管机构必须优先保持健康的偿付能力边际，以确保保险行业的长期生存。理解这一概念对于任何参与金融或保险的人来说都是必不可少的，因为它直接影响到公司为客户服务和履行义务的能力。通过培养良好的财务管理和风险评估文化，行业可以更好地保护自己免受意外挑战，并在不断变化的经济环境中继续蓬勃发展。