underwriting

简明释义

英[ˌʌndəˈraɪtɪŋ]美[ˌʌndərˈraɪtɪŋ]

n. 保险业；[金融]证券包销

v. 认购（underwrite 的 ing 形式）；写在……下面；经营保险业

英英释义

单词用法

同义词

反义词

例句

1.When times were good, underwriting commercial mortgage-backed securities was a bonanza for Wall Street.

在光景好的时候﹐承销商业抵押贷款支持证券对华尔街投行来说可谓好买卖。

2.This fee is called an underwriting spread.

这个费用被称为承销差价。

3.Pressures on lenders to supply more "paper" collapsed subprime underwriting standards from 2005 forward.

因为借贷银行被压着提供越来越多“纸面”上的产品，使得次级证券的承销标准在2005年之后就荡然无存了。

4.The bank made money from its Investment Banking arm, which includes financial advisory services and equity underwriting.

高盛的投行业务实现了盈利，包括金融咨询服务和股票承销。

5.Nowadays, a bank will pocket an underwriting fee and get the loan off its books within weeks.

然而现在银行往往为了赚取手续费，轻易在数周内批出贷款。

6.There are enough Banks to ensure that competition in underwriting deals ought to be vigorous, says the OFT.

公平贸易局称，银行数量充足，承销股票生意的竞争程度非常激烈。

7.Slack lending, thanks to both lack of demand and tighter underwriting, could prove a more persistent problem.

需求缺乏和保险更严导致借贷疲软，而借贷疲软则能说明问题将会持续。

8.The bank's underwriting process ensures that all loans are assessed for risk before approval.

银行的承保流程确保在批准之前对所有贷款进行风险评估。

9.The underwriting guidelines help lenders make informed decisions about loan applications.

承保指南帮助贷款机构对贷款申请做出明智的决定。

10.In real estate, underwriting refers to evaluating the value and potential of a property.

在房地产中，承保是指评估物业的价值和潜力。

11.Insurance companies rely on underwriting to determine the premiums for their policies.

保险公司依赖承保来确定其保单的保费。

12.The underwriting of the initial public offering was handled by several major investment banks.

首次公开募股的承销由几家主要投资银行处理。

作文

Underwriting is a crucial process in the financial and insurance sectors, serving as a bridge between risk assessment and financial support. In simple terms, underwriting (承保) involves evaluating the risk of insuring a person or asset and determining the appropriate premium to charge for that coverage. This process is essential for both insurers and clients, as it ensures that risks are adequately managed while also allowing individuals and businesses to obtain the necessary protection against unforeseen events.The concept of underwriting (承保) dates back centuries, with roots in the maritime insurance industry, where underwriters would assess the risk of ships sailing and decide whether to insure them. Today, underwriting (承保) has evolved into a sophisticated practice that encompasses various types of insurance, including health, life, property, and casualty insurance.In the context of health insurance, for instance, underwriting (承保) involves assessing an individual's medical history, lifestyle choices, and potential health risks. Insurers use this information to determine whether to offer coverage and at what cost. A person with pre-existing conditions may face higher premiums or exclusions, while a healthy individual may receive more favorable rates. This careful evaluation helps insurance companies mitigate their risks and maintain financial stability.Similarly, in the realm of property insurance, underwriting (承保) plays a vital role in assessing the value and condition of a property. Factors such as location, age, and construction materials are considered when determining the risk associated with insuring a home or business. By accurately assessing these factors, insurers can set premiums that reflect the true level of risk, ensuring that they can cover any potential claims.Moreover, underwriting (承保) is not limited to traditional insurance products. It also extends to the world of finance, particularly in investment banking and securities. In this context, underwriting (承保) refers to the process by which investment banks evaluate and assume the risk of issuing new securities, such as stocks and bonds, on behalf of corporations or governments. The underwriter assesses the financial health of the issuer and the market conditions to determine the pricing and allocation of the securities. This process is essential for raising capital and facilitating economic growth.The role of technology in underwriting (承保) cannot be overlooked. With advancements in data analytics and artificial intelligence, underwriters now have access to vast amounts of information that can enhance their decision-making processes. Predictive modeling allows for more accurate assessments of risk, enabling insurers to tailor their offerings to meet the specific needs of clients. This technological evolution is transforming the landscape of underwriting (承保), making it more efficient and responsive to market demands.In conclusion, underwriting (承保) is a fundamental aspect of the financial and insurance industries, encompassing the evaluation of risks and the determination of appropriate coverage. Whether in health, property, or finance, the principles of underwriting (承保) remain consistent: to assess, evaluate, and manage risk effectively. As technology continues to advance, the future of underwriting (承保) promises to be even more dynamic, offering opportunities for innovation and improved customer experiences. Understanding the intricacies of underwriting (承保) is essential for anyone looking to navigate these complex industries successfully.

承保是金融和保险领域中的一个关键过程，充当风险评估与财务支持之间的桥梁。简单来说，underwriting（承保）涉及评估对一个人或资产进行保险的风险，并确定为该覆盖提供的适当保费。这个过程对于保险公司和客户都是至关重要的，因为它确保了风险得到适当管理，同时也允许个人和企业获得必要的保护，以防止不可预见的事件。underwriting（承保）的概念可以追溯到几个世纪以前，其根源在于海上保险行业，当时的承保人会评估船舶航行的风险，并决定是否给予保险。如今，underwriting（承保）已经发展成为一种复杂的实践，涵盖了多种类型的保险，包括健康保险、人寿保险、财产保险和意外事故保险。以健康保险为例，underwriting（承保）涉及评估个人的病史、生活方式选择和潜在健康风险。保险公司利用这些信息来决定是否提供保险以及费用是多少。患有既往疾病的人可能面临更高的保费或排除条款，而健康个体则可能获得更优惠的费率。这种细致的评估帮助保险公司降低风险并维持财务稳定。同样，在财产保险领域，underwriting（承保）在评估财产的价值和状况方面发挥着至关重要的作用。位置、年龄和建筑材料等因素在确定对住宅或商业保险的风险时都被考虑在内。通过准确评估这些因素，保险公司可以设定反映真实风险水平的保费，确保能够覆盖任何潜在的索赔。此外，underwriting（承保）不仅限于传统的保险产品。它还扩展到金融世界，特别是投资银行和证券领域。在这种情况下，underwriting（承保）指的是投资银行评估和承担代表公司或政府发行新证券（如股票和债券）的风险的过程。承保人评估发行者的财务状况和市场条件，以确定证券的定价和分配。这个过程对于筹集资本和促进经济增长至关重要。技术在underwriting（承保）中的作用不容忽视。随着数据分析和人工智能的进步，承保人现在可以访问大量信息，从而增强他们的决策过程。预测建模使得风险的评估更加准确，使保险公司能够根据客户的具体需求量身定制其产品。这种技术演变正在改变underwriting（承保）的格局，使其更加高效并响应市场需求。总之，underwriting（承保）是金融和保险行业的基本方面，涵盖了风险的评估和适当覆盖的确定。无论是在健康、财产还是金融领域，underwriting（承保）的原则始终如一：有效地评估、评估和管理风险。随着技术的不断进步，underwriting（承保）的未来将更加动态，为创新和改善客户体验提供机会。理解underwriting（承保）的复杂性对于任何希望成功驾驭这些复杂行业的人来说都是至关重要的。