actuarial

简明释义

英[ˌæktʃuˈeəriəl]美[ˌæktʃuˈeriəl]

adj. [保险] 保险精算的；[保险] 保险统计的

英英释义

单词用法

同义词

反义词

例句

1.Nowadays, there is scarce domestic research on area yield crop insurance, let alone relative actuarial research.

目前，国内对农作物区域产量保险的研究较为少见，农作物产量保险精算研究则更为薄弱。

2.The claim number and claim amount of policies portfolios play important poles in non_life actuarial research.

保单组合的赔付次数及赔付额是非寿险精算研究的一项基本内容。

3.The main aim of this paper is to study the joint distributions of some actuarial random vectors in the continuous-time compound binomial model.

本文主要研究了连续时间复合二项模型的包含破产时间在内的多维精算量的联合分布。

4.The gap between assets and a realistic actuarial valuation of present liabilities is simply staggering.

资产与当前负债实际精算评估值之间的差距简直大得惊人。

5.The distribution of medical expenses amount is one of the actuarial bases for health insurance.

医疗费用的分布是健康保险的精算基础之一。

6.In the case of life insurance, they developed actuarial tables that require a collecting of statistics.

就人寿保险来说，还需要开发出精准的表格，这需要收集很多统计数据。

7.Most problems on actuarial exams are repeatable problems.

有关精算考试的大多数问题都是重复的问题。

8.Chapter Two: This chapter is mainly concerned with the actuarial model of net premium.

第二章主要研究寿险精算模型中净保费精算模型的改进问题。

9.Finally, a case analysis is presented based on the above models and actuarial present value.

最后，根据所建立的模型和所得到的精算现值进行了实例分析。

10.The insurance company hired an expert for their actuarial 精算的 analysis to set the premium rates.

保险公司聘请了一位专家进行他们的actuarial 精算的分析，以制定保费率。

11.The actuarial 精算的 reports provided valuable insights into the company's risk exposure.

这些actuarial 精算的报告提供了有关公司风险暴露的宝贵见解。

12.She decided to pursue a career in actuarial 精算的 science because of her strong math skills.

由于她出色的数学技能，她决定追求一个actuarial 精算的科学职业。

13.The actuarial 精算的 profession requires rigorous training and certification.

成为一名actuarial 精算的专业人士需要严格的培训和认证。

14.Understanding actuarial 精算的 methods is essential for anyone working in finance.

理解actuarial 精算的方法对于任何在金融领域工作的人来说都是必不可少的。

作文

Actuarial science is a discipline that applies mathematical and statistical methods to assess risk in insurance, finance, and other industries. The term actuarial refers specifically to the work done by actuaries, professionals who analyze financial risks using mathematics, statistics, and financial theory. They play a crucial role in helping organizations make informed decisions about their financial futures. For instance, when an insurance company sets premiums for its policies, it relies heavily on actuarial calculations to ensure that it can cover future claims while remaining profitable.The importance of actuarial science cannot be overstated. In today's complex financial landscape, businesses face a multitude of risks, from market fluctuations to natural disasters. Actuaries are trained to evaluate these risks and provide insights that guide strategic planning. They use historical data to model potential outcomes, allowing companies to prepare for various scenarios. For example, an actuary might analyze the likelihood of a catastrophic event occurring and its potential impact on the company's finances. This analysis helps organizations allocate resources effectively and develop contingency plans.Moreover, the actuarial profession is not limited to just insurance. Actuaries also work in pension planning, investment management, and healthcare. In pension planning, they assess the long-term viability of retirement funds by estimating future liabilities and determining the necessary contributions to meet those obligations. In healthcare, actuaries analyze data to predict the costs associated with medical treatments and the overall health of populations.One of the key tools used in actuarial science is life tables, which provide statistical information about life expectancy and mortality rates. These tables help actuaries estimate the probability of death at various ages, which is essential for calculating life insurance premiums and pension payouts. By understanding these probabilities, actuaries can create more accurate models that reflect the realities of life and death.In addition to technical skills, successful actuaries must possess strong analytical and problem-solving abilities. They need to communicate complex ideas clearly to stakeholders who may not have a background in mathematics or statistics. This communication is vital when presenting findings to company executives or regulatory bodies, as the implications of actuarial analyses can significantly impact business operations and public policy.As the world becomes increasingly data-driven, the demand for actuarial professionals is expected to grow. Organizations recognize the value of data analytics in managing risk and improving decision-making processes. Consequently, aspiring actuaries must stay updated with the latest trends in technology and data analysis to remain competitive in the job market.In conclusion, actuarial science is a vital field that encompasses a wide range of applications in finance and insurance. Actuaries play a crucial role in helping organizations navigate uncertainty and make informed decisions. Their expertise in risk assessment not only protects businesses but also contributes to the overall stability of the economy. As we move forward, the relevance of actuarial science will only continue to grow, highlighting the importance of this profession in our society.

精算科学是一个应用数学和统计方法来评估保险、金融和其他行业风险的学科。术语actuarial专门指精算师所做的工作，精算师是利用数学、统计学和金融理论分析财务风险的专业人士。他们在帮助组织做出明智的财务决策方面发挥着至关重要的作用。例如，当一家保险公司为其保单设定保费时，它在很大程度上依赖于actuarial计算，以确保能够覆盖未来的索赔，同时保持盈利。actuarial科学的重要性不容小觑。在当今复杂的金融环境中，企业面临着多种风险，从市场波动到自然灾害。精算师经过培训，可以评估这些风险并提供指导战略规划的见解。他们使用历史数据来建模潜在结果，使公司能够为各种情景做好准备。例如，精算师可能会分析灾难性事件发生的可能性及其对公司财务的潜在影响。这种分析帮助组织有效分配资源，并制定应急计划。此外，actuarial职业不仅限于保险。精算师还在养老金规划、投资管理和医疗保健等领域工作。在养老金规划中，他们通过估计未来的负债并确定满足这些义务所需的贡献，来评估退休基金的长期可行性。在医疗保健领域，精算师分析数据以预测与医疗治疗相关的成本以及人群的整体健康状况。在actuarial科学中使用的关键工具之一是寿命表，它提供有关预期寿命和死亡率的统计信息。这些表格帮助精算师估计不同年龄段的死亡概率，这对于计算人寿保险保费和养老金支付至关重要。通过理解这些概率，精算师可以创建更准确的模型，反映生死的现实。除了技术技能，成功的精算师还必须具备较强的分析和解决问题的能力。他们需要向可能没有数学或统计背景的利益相关者清晰地传达复杂的想法。当向公司高管或监管机构呈现发现时，这种沟通至关重要，因为actuarial分析的影响可能会显著影响业务运营和公共政策。随着世界变得越来越以数据驱动，对actuarial专业人士的需求预计将会增长。组织认识到数据分析在管理风险和改善决策过程中的价值。因此，渴望成为精算师的人必须跟上最新的技术和数据分析趋势，以在就业市场中保持竞争力。总之，actuarial科学是一个涵盖金融和保险广泛应用的重要领域。精算师在帮助组织应对不确定性和做出明智决策方面发挥着关键作用。他们在风险评估方面的专业知识不仅保护企业，还有助于经济的整体稳定。随着我们向前发展，actuarial科学的相关性只会继续增长，突显了这一职业在我们社会中的重要性。