actuary

简明释义

英[ˈæktʃuəri]美[ˈæktʃueri]

n. [保险] 保险计算员；保险精算师

复 数 a c t u a r i e s

英英释义

单词用法

同义词

反义词

例句

1.The top five jobs, which include mathematician, actuary, statistician and computer systems, typically pay more than twice as much as the lowest jobs -- $83, 777 compared to $30, 735 per year.

排在最佳职业前五位的还包括数学家、保险精算师、统计学家、和电脑系统分析师。这些职业的年薪可达83777美元，是排在末位的几类最差职业年薪（30735美元）的两倍多。

2.And, as the CMS actuary points out, the ACA will increase national health care expenditures.

正如CMS保险统计专家指出的那样，ACA将增加国民卫生保健开支。

3.Finally we'll learn how to use statistics to our advantage. You don't have to be an actuary to understand just how likely various potential outcomes actually are.

最后，我们将学习怎样利用统计数据的优势。如果只是了解各种潜在结果到底可不可能，你用不着成为精算师。

4.One day soon you might find yourself perusing a list of the fastest-growing, best-paying professions, trying to picture yourself as an actuary.

不久后的一天你也许发现自己独到一份成长最快，收入最高的职业列表，尽力把自己想象成一位精算师。

5.And it should be no surprise that Software Engineer ranks No. 1, followed by Actuary, Human Resources Manager, Dental Hygienist and Financial Planner.

不出所料排名第一的是软件工程师。接下来的排名依次是：精算师、人力资源经理、洁牙师和理财规划师。

6.Nowadays, I'm working hard to become an actuary.

现在我正努力成为一名精算师。

7.An actuary uses mathematical models to assess risk and uncertainty.

一个精算师使用数学模型来评估风险和不确定性。

8.The role of an actuary is crucial in determining the financial stability of insurance companies.

一个精算师的角色在确定保险公司的财务稳定性方面至关重要。

9.To become an actuary, one must pass a series of challenging exams.

要成为一个精算师，必须通过一系列具有挑战性的考试。

10.The actuary's report helped the company set appropriate premium rates.

这个精算师的报告帮助公司设定了合适的保费率。

11.Many businesses rely on an actuary to evaluate their pension plans.

许多企业依赖于一个精算师来评估他们的养老金计划。

作文

An actuary is a professional who analyzes the financial consequences of risk. This role is vital in various industries, particularly in insurance and finance. The primary responsibility of an actuary is to evaluate the likelihood of future events and to use this information to help businesses develop policies that minimize risks and maximize profits. In essence, an actuary uses mathematics, statistics, and financial theory to study uncertain future events, especially those related to insurance and pension programs.The work of an actuary involves a deep understanding of mathematics and statistics, as they must be proficient in these areas to accurately assess risks. They often employ complex mathematical models to predict future events, such as mortality rates or the frequency of natural disasters. By understanding these probabilities, an actuary can help insurance companies set premiums that are fair yet profitable.In addition to their analytical skills, actuaries also need strong communication abilities. They must convey complex statistical concepts to non-experts, such as company executives or clients. This means that an actuary not only needs to be skilled in calculations but also in presenting their findings in a clear and understandable manner.One of the most common fields where actuaries are employed is in life insurance. Here, they determine the risk associated with insuring individuals based on various factors, including age, health, and lifestyle choices. By analyzing data, an actuary can predict how long a person is likely to live, which helps the insurance company decide how much to charge for premiums and how much money to set aside to pay future claims.Another area where actuaries play a crucial role is in pension planning. They assess the financial health of pension plans and help organizations ensure they have enough funds to meet future obligations to retirees. This requires a deep understanding of both demographic trends and investment strategies, making the actuary's role essential for the sustainability of retirement systems.The demand for skilled actuaries is increasing as businesses become more aware of the importance of risk management. In a world that is constantly changing, with economic fluctuations and climate change posing new challenges, the insights provided by actuaries are invaluable. Their ability to foresee potential risks and provide strategic advice helps organizations navigate uncertainties effectively.To become an actuary, one typically needs a strong educational background in mathematics, statistics, and finance. Most actuaries hold a degree in actuarial science or a related field, and many pursue professional certifications through organizations like the Society of Actuaries or the Casualty Actuarial Society. This process can be rigorous and requires passing a series of exams that test an individual's knowledge and skills in actuarial practices.In conclusion, the role of an actuary is critical in today’s economy. They provide essential insights that help businesses manage risks and make informed decisions. As we face an increasingly uncertain future, the expertise of actuaries will continue to be in high demand, ensuring that organizations can remain resilient and sustainable in the face of challenges.

精算师是分析风险财务后果的专业人士。这个角色在各种行业中至关重要，尤其是在保险和金融领域。精算师的主要责任是评估未来事件发生的可能性，并利用这些信息帮助企业制定减少风险和最大化利润的政策。实际上，精算师使用数学、统计学和金融理论来研究不确定的未来事件，特别是与保险和养老金计划相关的事件。精算师的工作涉及对数学和统计学的深入理解，因为他们必须在这些领域具备熟练的技能，以准确评估风险。他们通常采用复杂的数学模型来预测未来事件，例如死亡率或自然灾害的频率。通过理解这些概率，精算师可以帮助保险公司设定公平但有利可图的保费。除了分析技能外，精算师还需要较强的沟通能力。他们必须将复杂的统计概念传达给非专家，例如公司高管或客户。这意味着精算师不仅需要在计算方面表现出色，还需要以清晰易懂的方式呈现他们的发现。精算师最常就业的领域之一是人寿保险。在这里，他们根据年龄、健康状况和生活方式等各种因素确定为个人投保的风险。通过分析数据，精算师可以预测一个人可能活多久，这帮助保险公司决定收取多少保费以及需要留出多少资金来支付未来的索赔。精算师在养老金规划中也发挥着至关重要的作用。他们评估养老金计划的财务健康状况，并帮助组织确保拥有足够的资金来满足未来对退休人员的义务。这需要对人口趋势和投资策略有深入的理解，使得精算师的角色对于退休系统的可持续性至关重要。随着企业越来越意识到风险管理的重要性，熟练的精算师的需求正在增加。在一个不断变化的世界中，经济波动和气候变化带来了新的挑战，精算师提供的洞察力是无价的。他们预见潜在风险并提供战略建议的能力帮助组织有效应对不确定性。成为精算师通常需要具备数学、统计学和金融方面的扎实教育背景。大多数精算师拥有精算科学或相关领域的学位，许多人通过美国精算师协会或美国财产保险精算师协会等组织获得专业认证。这个过程可能是严格的，并要求通过一系列测试个人在精算实践中的知识和技能的考试。总之，精算师的角色在当今经济中至关重要。他们提供的基本洞察力帮助企业管理风险并做出明智的决策。随着我们面临越来越不确定的未来，精算师的专业知识将继续受到高度需求，确保组织能够在面临挑战时保持韧性和可持续性。