reinsurer

简明释义

英[ˌriːɪnˈʃʊə]美[ˌriːɪnˈʃʊr]

n. 再保险人；分保接受人

英英释义

单词用法

同义词

反义词

例句

1.Hannover re rose 4.3 percent to 38.27 euros. The world's third-biggest reinsurer increased its full-year earnings forecast after quarterly profit rose 66 percent, boosted by a one-off tax gain.

全球第三大再保险企业汉诺威再保险公司(HannoverRe)股价上涨4.3%，至38.27欧元，该公司公布第三季度利润增长66%，主要因为一次性税收有所提高，公司同时上调了全年收益预期。

2.That backs up analysis done by Munich re, a veteran German reinsurer with a lot of historical data.

这支持了有着丰富历史数据的德国资深再保险公司—慕尼黑再保险公司[注6]所做的分析。

3.The reinsurer Munich Re reported last month that the first half of 2010 set a loss record for natural disasters;

慕尼黑再保险公司上个月报告称2010年上半年自然灾害造成的损失创下新的记录。

4.Article29 the reinsurer shall not demand payment of premiums from the applicant of the direct insurance.

第二十九条再保险接受人不得向原保险的投保人要求支付保险费。

5.Hannover re rose 4.3 percent to 38.27 euros. The world's third-biggest reinsurer increased its full-year earnings forecast after quarterly profit rose 66 percent, boosted by a one-off tax gain.

全球第三大再保险企业汉诺威再保险公司(HannoverRe)股价上涨4.3%，至38.27欧元，该公司公布第三季度利润增长66%，主要因为一次性税收有所提高，公司同时上调了全年收益预期。

6.The moral hazards cause the decrease of the reinsurance supply and reduce the utilities of insurer and reinsurer.

道德风险的产生，减少了再保险供给的数量，降低了再保险合同双方的效用水平。

7.Swiss Re is the world's largest reinsurer by premium income.

以保费收入衡量瑞士再保险公司是世界最大的再保险公司。

8.Scor SA rose 3.7 percent to 18.36 euros as France’s biggest reinsurer said third-quarter net income rose to 111 million euros ($156.4 million), an 18 percent gain from a year earlier.

法国再保险公司（SCOR）股价上涨3.7%，至18.36欧元，法国再保险公司此前公布第三季度净利润增长到1.11亿欧元（约合1.564亿美元），比去年同期高出18%。

9.Many insurance companies rely on a reinsurer to stabilize their financial performance.

许多保险公司依赖于再保险人来稳定其财务表现。

10.In the event of a catastrophic loss, the reinsurer can provide significant financial support.

在发生灾难性损失时，再保险人可以提供重要的财务支持。

11.The reinsurer agreed to cover 80% of the losses incurred in the natural disaster.

再保险人同意承担自然灾害造成的80%的损失。

12.The primary insurer sought assistance from a reinsurer to manage its risk exposure.

初级保险公司寻求再保险人的帮助以管理其风险暴露。

13.A strong relationship with a reliable reinsurer is crucial for any insurance firm.

与可靠的再保险人建立良好的关系对任何保险公司来说都是至关重要的。

作文

In the world of insurance, the concept of risk management is paramount. One key player in this field is the reinsurer, which plays a critical role in helping primary insurers manage their risks effectively. A reinsurer (再保险公司) is a company that provides financial protection to insurance companies by assuming some of their risk. This process, known as reinsurance, allows primary insurers to maintain stability and solvency by transferring portions of their risk to the reinsurer. The importance of reinsurers cannot be understated. They help insurance companies to spread their risk across a wider base, which is particularly important in times of economic uncertainty or natural disasters. For instance, if a primary insurer faces a significant number of claims due to a catastrophic event, the reinsurer can step in to cover some of those losses, thereby preventing the primary insurer from facing financial ruin. This not only protects the insurer but also safeguards policyholders who rely on their coverage.Moreover, reinsurers contribute to the overall stability of the insurance market. By providing a safety net for insurance companies, they enable these companies to offer more comprehensive policies and cover larger risks than they would be able to do on their own. This is particularly beneficial for specialized sectors, such as aviation or marine insurance, where the risks are significantly higher.Another essential function of a reinsurer is to provide expertise in risk assessment and management. Many reinsurers employ teams of actuaries and risk analysts who specialize in evaluating complex risks. This expertise can be invaluable for primary insurers, especially those that may lack the resources to conduct thorough risk assessments themselves. By partnering with a reinsurer, primary insurers can gain insights into emerging risks and trends, allowing them to adjust their policies and pricing accordingly.In addition to traditional reinsurance, there are also innovative solutions offered by reinsurers, such as parametric insurance. This type of insurance pays out based on predetermined parameters, such as wind speed during a hurricane, rather than actual losses incurred. This approach can simplify the claims process and provide quicker payouts to policyholders, which is especially important in disaster scenarios.As the insurance industry continues to evolve, the role of reinsurers will likely become even more crucial. With the rise of climate change and increasing frequency of natural disasters, the demand for reinsurance is expected to grow. Insurers will need the support of reinsurers to navigate these challenges and continue providing coverage to their clients.In conclusion, the function of a reinsurer (再保险公司) is vital to the health of the insurance industry. Through risk transfer, financial stability, and expert guidance, reinsurers help ensure that primary insurers can operate effectively and responsibly. As the landscape of risk continues to change, the partnership between insurers and reinsurers will be essential for maintaining a robust and resilient insurance market.

在保险的世界中，风险管理的概念至关重要。一个关键的参与者是再保险公司，它在帮助初级保险公司有效管理风险方面发挥着关键作用。再保险公司（reinsurer）是一家通过承担部分风险来为保险公司提供财务保护的公司。这一过程称为再保险，使初级保险公司能够通过将部分风险转移给再保险公司来保持稳定性和偿付能力。再保险公司的重要性不容小觑。它们帮助保险公司将风险分散到更广泛的基础上，这在经济不确定或自然灾害时期尤为重要。例如，如果一家初级保险公司因灾难性事件面临大量索赔，再保险公司可以介入，承担部分损失，从而防止初级保险公司面临财务破产。这不仅保护了保险公司，还保护了依赖其保障的投保人。此外，再保险公司有助于保险市场的整体稳定性。通过为保险公司提供安全网，它们使这些公司能够提供比单独操作时更全面的保单并承保更大的风险。这对于航空或海洋保险等专业领域尤其有利，因为这些领域的风险显著较高。再保险公司的另一个重要功能是提供风险评估和管理方面的专业知识。许多再保险公司雇用专门评估复杂风险的精算师和风险分析师团队。这种专业知识对初级保险公司来说可能是无价的，特别是那些可能缺乏资源进行全面风险评估的公司。通过与再保险公司合作，初级保险公司可以获得有关新兴风险和趋势的见解，从而相应调整其保单和定价。除了传统的再保险外，再保险公司还提供创新解决方案，例如参数保险。这种类型的保险根据预定参数（例如飓风期间的风速）而非实际发生的损失进行赔付。这种方法可以简化索赔流程，并在灾难情况下为投保人提供更快的赔付，这一点尤其重要。随着保险行业的不断发展，再保险公司的角色可能会变得更加重要。随着气候变化的加剧和自然灾害频率的增加，对再保险的需求预计将增长。保险公司将需要再保险公司的支持来应对这些挑战，并继续为客户提供保障。总之，再保险公司（reinsurer）的功能对保险行业的健康至关重要。通过风险转移、财务稳定性和专业指导，再保险公司帮助确保初级保险公司能够有效且负责任地运作。随着风险格局的不断变化，保险公司与再保险公司之间的合作将对维护强大而有韧性的保险市场至关重要。