ultimate net loss

简明释义

最终纯损

英英释义

例句

1.The auditor reported that the ultimate net loss 最终净损失 for the fiscal year was impacted by several large claims.

审计员报告称，财政年度的最终净损失 最终净损失 受到几笔大额索赔的影响。

2.After reviewing the claims, we found that the ultimate net loss 最终净损失 was significantly lower than expected.

在审核索赔后，我们发现最终净损失 最终净损失 远低于预期。

3.The insurance company calculated the ultimate net loss 最终净损失 from the natural disaster to be in the millions.

保险公司计算出自然灾害造成的最终净损失 最终净损失 达到数百万。

4.To determine the ultimate net loss 最终净损失, we must consider both direct and indirect costs.

为了确定最终净损失 最终净损失，我们必须考虑直接和间接成本。

5.The ultimate net loss 最终净损失 from the fire incident was covered by the company's insurance policy.

火灾事件造成的最终净损失 最终净损失 由公司的保险政策覆盖。

作文

In the world of finance and insurance, understanding various terms is crucial for effective decision-making. One such term that often comes up in discussions about risk management and financial assessments is ultimate net loss. This phrase refers to the total amount of loss that an insurer expects to incur after all recoveries and reinsurance claims have been accounted for. Essentially, it represents the final financial impact of a claim or series of claims on an insurance company’s balance sheet. To grasp the significance of ultimate net loss, it is important to break down its components and explore how it influences both insurers and policyholders.Firstly, the term 'ultimate' signifies the final outcome or conclusion. In the context of insurance, it indicates the end result of a claim process, including all adjustments made over time. The word 'net' suggests that this figure is the result after deducting any recoveries, such as subrogation or reinsurance proceeds. Finally, 'loss' pertains to the financial detriment suffered by the insurer due to claims. Therefore, when we combine these elements, we arrive at a comprehensive view of the financial exposure that an insurance company faces.For insurers, accurately estimating ultimate net loss is vital for several reasons. It helps them to determine appropriate premium levels, assess the adequacy of reserves, and ensure that they remain solvent in the face of potential claims. If an insurer underestimates the ultimate net loss, it may find itself in a precarious financial situation, unable to cover its obligations to policyholders. Conversely, overestimating this figure could lead to higher premiums, making their products less competitive in the market.Moreover, the calculation of ultimate net loss involves various factors, including historical data, loss trends, and the nature of the risks being insured. Insurers often rely on actuarial analyses to project future losses based on past experiences. This predictive modeling is essential for maintaining financial stability and ensuring that the insurer can meet its long-term commitments.From the perspective of policyholders, understanding ultimate net loss can provide insight into how their insurance policies work. When individuals or businesses file claims, they may wonder how much compensation they will ultimately receive. The ultimate net loss is a critical factor in determining this amount, as it reflects the insurer's total liability after accounting for any recoveries. This understanding can help policyholders make informed decisions about their coverage options and the potential risks they are willing to accept.In conclusion, the term ultimate net loss encapsulates a fundamental concept in the insurance industry that affects both insurers and policyholders alike. By comprehensively understanding this term, stakeholders can better navigate the complexities of risk management and financial planning. As the insurance landscape continues to evolve, the importance of accurately assessing ultimate net loss will only grow, highlighting the need for ongoing education and awareness in this field. Ultimately, a clear grasp of this concept can lead to more informed decisions and better financial outcomes for all parties involved.

在金融和保险的世界中，理解各种术语对于有效决策至关重要。一个经常出现在风险管理和财务评估讨论中的术语是最终净损失。这个短语指的是保险公司在考虑所有的回收和再保险索赔后，预计会发生的总损失金额。本质上，它代表了索赔或一系列索赔对保险公司资产负债表的最终财务影响。为了更好地理解最终净损失的重要性，有必要拆分其组成部分，并探讨它如何影响保险公司和投保人。首先，‘最终’一词表示最终结果或结论。在保险的背景下，它指的是索赔过程的最终结果，包括随时间推移所做的所有调整。‘净’一词表明这个数字是在扣除任何回收后得出的，比如代位求偿或再保险收益。最后，‘损失’指的是保险公司因索赔而遭受的财务损失。因此，当我们将这些元素结合在一起时，就得到了保险公司面临的财务风险的全面视图。对于保险公司来说，准确估计最终净损失至关重要，原因有很多。这有助于他们确定适当的保费水平，评估准备金的充足性，并确保在潜在索赔面前保持偿付能力。如果保险公司低估了最终净损失，它可能会发现自己处于一个不稳定的财务状况中，无法满足对投保人的义务。相反，过高估计这一数字可能导致保费上升，使其产品在市场上竞争力下降。此外，最终净损失的计算涉及多个因素，包括历史数据、损失趋势以及被保险风险的性质。保险公司通常依赖精算分析来根据过去的经验预测未来的损失。这种预测建模对于维持财务稳定性和确保保险公司能够履行长期承诺至关重要。从投保人的角度来看，理解最终净损失可以提供对其保险政策运作的洞察。当个人或企业提交索赔时，他们可能会想知道最终能获得多少赔偿。最终净损失是决定这一金额的关键因素，因为它反映了保险公司在考虑任何回收后的总责任。这种理解可以帮助投保人就其保险选项和愿意接受的潜在风险做出明智的决策。总之，最终净损失这一术语概括了保险行业中的一个基本概念，影响着保险公司和投保人。通过全面理解这个术语，利益相关者可以更好地驾驭风险管理和财务规划的复杂性。随着保险领域的不断发展，准确评估最终净损失的重要性只会增加，这突显了在该领域持续教育和意识的必要性。最终，对这一概念的清晰掌握可以为所有相关方带来更明智的决策和更好的财务结果。