underwritten

简明释义

英[ˌʌndərˈrɪtən]美[ˌʌndərˈrɪtən]

v. 签署（保险单）；通过保险承担（风险或责任）；（银行或其他金融机构）承购；同意承担……的费用；在……下面写（underwrite 的过去分词）

英英释义

单词用法

同义词

反义词

例句

1.So one question I would have is how much of Ecomagination is actually underwritten by tax subsidies?

因此，一个问题，我会是多少环保想像，其实是由承保的税补贴？

2.The divisions that peddle the debt the Banks have underwritten.

叫卖银行承销的债务的部门。

3.One of the major causes of the financial crisis was the securitization of subprime home mortgages that were underwritten poorly and ultimately went bad.

金融危机的一个主要原因就是次级房贷的证券化：认购很随意以至于最终出现了问题。

4.A public offer of new shares shall be underwritten by a legally established securities institution and an underwriting agreement shall be executed.

公司向社会公开发行新股，应当由依法设立的证券经营机构承销，签订承销协议。

5.The financial crisis, which began with overvalued homes and sloppily underwritten mortgages, was the product of numerous forces and failures in which Mr Bush was not a major contributor;

金融危机的直接原因则是对房价的过高估计，以及抵押贷款的溢用；究其源头则是多种诱因的共同作用，布什并非最重要的作俑者。

6.The alternative to a bigger EFSF would be the issuance of Eurobonds that are jointly and severally underwritten by euro-zone members.

替代大EFSF的做法就是发行欧洲债券，欧元区成员国可以联合认购，也可个别认购。

7.The event was successfully underwritten by local businesses to ensure its success.

为了确保活动的成功，当地企业成功地承保了该活动。

8.The project's funding was underwritten by several major investors.

该项目的资金由几位主要投资者承保。

9.A thorough risk assessment is conducted before any policy is underwritten.

在任何政策被承保之前，都会进行彻底的风险评估。

10.The insurance policy was underwritten by a leading company in the industry.

这份保险政策由行业领先的公司承保。

11.Before the loan was approved, it had to be underwritten by a financial expert.

在贷款获得批准之前，必须由金融专家承保。

作文

In the world of finance and insurance, the term underwritten refers to the process by which a company assesses the risks associated with insuring a person or entity. This critical step ensures that the insurer can provide coverage while maintaining financial stability. For instance, when someone applies for health insurance, the insurer will conduct an evaluation of the applicant's medical history, lifestyle choices, and other relevant factors. This assessment is what we call being underwritten. It allows the insurer to determine whether to accept the application and at what premium rate. The concept of underwritten is not limited to health insurance; it also extends to various types of insurance policies such as life, auto, and property insurance. Each type has its unique criteria for risk evaluation. In the case of life insurance, for example, the underwritten process might involve a physical examination and a review of the applicant's family medical history. This thorough analysis helps the insurer predict the likelihood of a claim being made, which directly influences the policy terms and premiums.Moreover, in the realm of finance, the term underwritten takes on another dimension when it comes to securities. Investment banks often underwritten new stock issues, meaning they guarantee the sale of a certain number of shares at a specified price. By doing this, they assume the risk of selling those shares to the public. If they cannot sell all the shares, they may have to purchase the remaining shares themselves, which can be a significant financial risk. This process is crucial for companies looking to raise capital through public offerings, as it ensures that they receive the funds needed, regardless of market conditions.Understanding the implications of underwritten agreements is essential for both consumers and businesses. For consumers, it means knowing that their insurance premiums are determined based on a careful analysis of their risk profile. This understanding can lead to more informed decisions regarding insurance coverage and personal health management. On the other hand, businesses rely on the underwritten evaluations to protect their financial interests and ensure the sustainability of their operations.In summary, the term underwritten encompasses a vital aspect of risk management in both insurance and finance. Whether it's evaluating individual applicants for insurance policies or facilitating capital raising for companies, the underwritten process is integral to maintaining balance and security in these industries. As we navigate through our financial and insurance needs, recognizing the importance of underwritten assessments can empower us to make better choices, ultimately leading to a more secure future. Therefore, the next time you encounter this term, remember its significance and the role it plays in protecting individuals and businesses alike.

在金融和保险的世界中，术语underwritten指的是公司评估与投保个人或实体相关的风险的过程。这一步骤至关重要，确保保险公司能够在保持财务稳定的同时提供保障。例如，当有人申请健康保险时，保险公司会对申请人的病史、生活方式选择和其他相关因素进行评估。这种评估就是我们所称的underwritten。它使保险公司能够确定是否接受申请以及以什么保费率接受。underwritten的概念不仅限于健康保险；它还扩展到各种类型的保险政策，如人寿、汽车和财产保险。每种类型都有其独特的风险评估标准。在人寿保险的情况下，例如，underwritten过程可能涉及体检和对申请人家庭病史的审查。这种全面的分析有助于保险公司预测索赔发生的可能性，这直接影响到保单条款和保费。此外，在金融领域，当涉及证券时，术语underwritten又具有另一层含义。投资银行通常会对新的股票发行进行underwritten，这意味着他们保证以指定价格出售一定数量的股份。通过这样做，他们承担了将这些股份销售给公众的风险。如果他们无法出售所有股份，他们可能不得不自己购买剩余股份，这可能是一个重大的财务风险。这个过程对于希望通过公开发行筹集资金的公司至关重要，因为它确保他们无论市场条件如何都能获得所需的资金。理解underwritten协议的含义对消费者和企业来说都是至关重要的。对于消费者来说，这意味着知道他们的保险保费是根据对其风险状况的仔细分析来确定的。这种理解可以导致更明智的保险覆盖和个人健康管理决策。另一方面，企业依赖于underwritten评估来保护其财务利益，并确保其运营的可持续性。总之，术语underwritten涵盖了保险和金融中风险管理的一个重要方面。无论是评估个人申请人的保险政策，还是促进公司筹集资本，underwritten过程在维护这些行业的平衡和安全中都是不可或缺的。当我们处理我们的金融和保险需求时，认识到underwritten评估的重要性可以使我们更好地做出选择，最终导致一个更安全的未来。因此，下次你遇到这个术语时，请记住它的意义以及它在保护个人和企业方面所发挥的作用。