nominal premium

简明释义

暂时不收保费

英英释义

例句

1.Investors are often attracted to bonds with a nominal premium as it indicates a higher yield.

投资者通常会被具有名义溢价的债券吸引，因为这意味着更高的收益。

2.The nominal premium on this option reflects the perceived risk of the underlying asset.

这个期权的名义溢价反映了对基础资产的风险认知。

3.When evaluating insurance products, consider the nominal premium versus the coverage benefits.

在评估保险产品时，考虑名义保费与保障利益的关系。

4.A low nominal premium can sometimes indicate that the coverage is insufficient.

低的名义保费有时可能表明保障不足。

5.The insurance policy offers a low nominal premium for basic coverage, making it accessible to many.

这份保险政策提供了低的名义保费以获得基本保障，使许多人都能负担得起。

作文

In the world of finance and economics, understanding various terms is crucial for making informed decisions. One such term that often comes up in discussions about investments and insurance is nominal premium. The concept of nominal premium refers to the stated or face value of a premium payment without taking into account any adjustments for inflation or other factors. This means that when an investor or policyholder pays a nominal premium, they are paying the amount specified in the contract, but this figure may not reflect the actual value over time due to changes in the economic environment.To illustrate this further, consider an insurance policy where the nominal premium is set at $1,000 per year. This amount remains constant throughout the life of the policy, regardless of inflation. However, if inflation rises significantly during that period, the purchasing power of that $1,000 diminishes. Therefore, while the nominal premium remains unchanged, its real value decreases, which can lead to dissatisfaction for the policyholder if they believe they are not receiving adequate coverage relative to their payments.The importance of understanding the nominal premium lies in its implications for both consumers and providers in the financial market. For consumers, being aware of how nominal premium works helps them make better choices when selecting insurance plans or investment opportunities. They need to consider whether the premium they are paying will provide sufficient coverage or returns in the future, especially in times of high inflation.On the other hand, providers of financial products must also be mindful of how nominal premium is perceived by their clients. If a company offers a product with a nominal premium that seems attractive at first glance, they need to ensure that it holds real value for the customer over time. This requires careful consideration of market trends, inflation rates, and the overall economic landscape.Moreover, the nominal premium does not account for other variables such as risk factors or changes in the market. For example, in the case of bonds, the nominal premium might refer to the interest rate offered on the bond without considering the bond's credit risk or the issuer's financial stability. Investors must analyze these additional factors to determine the true value of their investment.In conclusion, the term nominal premium plays a significant role in the financial sector, impacting both consumers and providers. Understanding its definition and implications can lead to more informed financial decisions. As the economy continues to evolve, being aware of how nominal premium interacts with other economic factors will help individuals and businesses navigate the complexities of financial planning and investment strategies effectively.

在金融和经济的世界中，理解各种术语对于做出明智的决策至关重要。其中一个常常出现在投资和保险讨论中的术语是名义保费。名义保费的概念是指未考虑通货膨胀或其他因素调整的保费支付的声明或面值。这意味着当投资者或投保人支付名义保费时，他们支付的是合同中规定的金额，但由于经济环境的变化，这一数字可能无法反映随时间推移的实际价值。为了进一步说明这一点，考虑一个保险政策，其中名义保费设定为每年1000美元。这个金额在政策的整个生命周期内保持不变，无论通货膨胀如何。然而，如果在此期间通货膨胀显著上升，那么这1000美元的购买力就会减弱。因此，虽然名义保费保持不变，但其实际价值却下降，这可能导致投保人感到不满，因为他们认为自己所支付的费用与所获得的保障不相称。理解名义保费的重要性在于它对金融市场中消费者和提供者的影响。对于消费者而言，了解名义保费的运作方式有助于他们在选择保险计划或投资机会时做出更好的选择。他们需要考虑自己支付的保费是否能够在未来提供足够的保障或回报，特别是在高通胀时期。另一方面，金融产品的提供者也必须注意客户如何看待名义保费。如果一家公司提供的产品的名义保费乍一看似乎很有吸引力，他们需要确保该产品在长期内对客户具有实际价值。这需要仔细考虑市场趋势、通货膨胀率以及整体经济形势。此外，名义保费并未考虑其他变量，例如风险因素或市场变化。例如，在债券的情况下，名义保费可能指的是债券提供的利率，而不考虑债券的信用风险或发行人的财务稳定性。投资者必须分析这些附加因素，以确定他们投资的真实价值。总之，名义保费这一术语在金融领域发挥着重要作用，影响着消费者和提供者。理解其定义和影响可以帮助做出更明智的财务决策。随着经济的不断发展，意识到名义保费如何与其他经济因素相互作用，将帮助个人和企业有效地应对财务规划和投资策略的复杂性。