reinsure

简明释义

英[/ˌriːɪnˈʃʊr/]美[/ˌriːɪnˈʃʊr/]

vt. 再保险；分保

vi. （美）再次保证

第 三 人 称 单 数 r e i n s u r e s

现 在 分 词 r e i n s u r i n g

过 去 式 r e i n s u r e d

过 去 分 词 r e i n s u r e d

英英释义

单词用法

同义词

反义词

例句

1.The insurer may reinsure the insurance of the subject matter enumerated in the preceding paragraph.

保险人可以将对前款保险标的的保险进行再保险。

2.The insurer may reinsure the insurance of the subject matter enumerated in the preceding paragraph.

保险人可以将对前款保险标的的保险进行再保险。

3.The government encouraged smaller insurers to reinsure with larger companies to spread the risk.

政府鼓励小型保险公司与大型公司进行再保险以分散风险。

4.By choosing to reinsure, the company was able to offer lower premiums to its clients.

通过选择再保险，公司能够向客户提供更低的保费。

5.To ensure financial stability, the insurer opted to reinsure a portion of its portfolio.

为了确保财务稳定，保险公司选择对其投资组合的一部分进行再保险。

6.After the recent natural disasters, many firms chose to reinsure their assets against future events.

在最近的自然灾害之后，许多公司选择对其资产进行再保险以防未来事件。

7.The insurance company decided to reinsure its high-risk policies to mitigate potential losses.

保险公司决定对其高风险保单进行再保险以减轻潜在损失。

作文

In the world of finance and risk management, the term reinsure plays a pivotal role. To reinsure means to insure an already insured risk, essentially providing a safety net for insurance companies themselves. This process is crucial for maintaining stability in the insurance market and ensuring that insurers can meet their obligations to policyholders. When an insurance company faces a large claim or a series of claims that exceed its financial capacity, it may seek to reinsure part of its risk with another insurer, known as a reinsurer. This allows the original insurer to transfer some of the potential losses and thus protect its financial health.The practice of reinsure has been around for centuries, but it has evolved significantly over time. Initially, it was mostly used by marine insurers who needed to spread the risk associated with shipping goods across the treacherous seas. Today, reinsure is commonplace across various sectors, including property, casualty, and life insurance. By doing so, insurance companies can offer more competitive rates to their customers while also safeguarding their own financial interests.One of the primary benefits of reinsure is risk diversification. By sharing risks with reinsurers, insurance companies can protect themselves against catastrophic losses. For example, if a natural disaster occurs, such as a hurricane or earthquake, the financial burden can be enormous. Through reinsure, the original insurer can limit its exposure and ensure that it can continue to operate even in the face of significant claims. This mechanism not only protects the insurance company but also helps maintain consumer confidence in the insurance system as a whole.Moreover, reinsure allows insurance companies to free up capital. By transferring some of their risks to reinsurers, they can reduce the amount of capital they need to hold in reserve to cover potential claims. This freed-up capital can then be used for other investments or to improve services for their policyholders. Thus, reinsure not only serves as a protective measure but also as a strategic financial tool.However, the process of reinsure is not without its challenges. Insurers must carefully evaluate which risks to reinsure and to what extent. If they choose to reinsure too much, they might find themselves relying heavily on reinsurers, which could lead to complications if those reinsurers face financial difficulties. On the other hand, if they reinsure too little, they may expose themselves to excessive risk, particularly in volatile markets.In conclusion, the concept of reinsure is integral to the functioning of the insurance industry. It provides a mechanism for risk management that benefits both insurers and policyholders. By understanding how reinsure works, stakeholders can better appreciate the complexities of the insurance market and the importance of maintaining a balanced approach to risk. As the world continues to evolve, the practice of reinsure will undoubtedly adapt, but its core purpose of providing security and stability will remain unchanged.

在金融和风险管理的世界中，术语再保险扮演着关键角色。再保险意味着对已经投保的风险进行再次投保，基本上为保险公司自身提供了一个安全网。这一过程对于维持保险市场的稳定以及确保保险公司能够履行对保单持有人的义务至关重要。当一家保险公司面临巨额索赔或一系列超出其财务能力的索赔时，它可能会寻求与另一家保险公司，即再保险人，进行再保险部分风险。这允许原保险公司转移一些潜在损失，从而保护其财务健康。再保险的实践已经存在几个世纪，但随着时间的推移，它发生了显著变化。最初，它主要被海洋保险公司使用，这些公司需要分散与货物航运相关的风险。如今，再保险在各个领域都很普遍，包括财产、意外和人寿保险。通过这样做，保险公司可以向客户提供更具竞争力的费率，同时也保护自己的财务利益。再保险的主要好处之一是风险多样化。通过与再保险公司分享风险，保险公司可以保护自己免受灾难性损失。例如，如果发生自然灾害，如飓风或地震，财务负担可能是巨大的。通过再保险，原保险公司可以限制其风险暴露，并确保即使面临重大索赔也能继续运营。这一机制不仅保护了保险公司，还帮助维护了消费者对整个保险系统的信心。此外，再保险使保险公司能够释放资本。通过将部分风险转移给再保险公司，他们可以减少需要保留以覆盖潜在索赔的资本量。这释放出来的资本可以用于其他投资或改善对保单持有人的服务。因此，再保险不仅作为一种保护措施，而且作为一种战略财务工具。然而，再保险的过程并非没有挑战。保险公司必须仔细评估哪些风险需要再保险以及到什么程度。如果他们选择再保险过多，他们可能会发现自己过于依赖再保险公司，这可能会导致如果那些再保险公司面临财务困难时出现复杂情况。另一方面，如果他们再保险过少，他们可能会使自己暴露于过度风险，特别是在动荡的市场中。总之，再保险的概念对于保险行业的运作至关重要。它提供了一种风险管理机制，惠及保险公司和保单持有人。通过理解再保险的工作原理，利益相关者可以更好地欣赏保险市场的复杂性以及保持风险平衡的方法的重要性。随着世界的不断发展，再保险的做法无疑会适应，但其提供安全和稳定的核心目的将保持不变。