underwriters

简明释义

英[ˈʌndəˌraɪtəz]美[ˈʌndərˌraɪtərz]

n. 保险业者，承诺支付者（underwriter 复数形式）

英英释义

单词用法

同义词

反义词

例句

1.Loan originators and underwriters had far too little economic skin in the game.

贷款发起人和包销人在这场游戏中都几乎没有经济庇护的外壳。

2.Their underwriters need the same again.

他们的保险人也会遇上相同麻烦。

3.Demand was so strong that underwriters boosted the number of shares sold by more than 50%.

市场需求如此强劲，以致于承销商超额配售了超过了50%的股份。

4.Demand was so strong that underwriters boosted the number of shares sold by more than 50%.

市场需求如此强劲，以致于承销商超额配售了超过了50%的股份。

5.AIG is an organization of insurance underwriters.

美国国际集团是一家保险核保人机构。

6.Underwriters have a greenshoe option to sell another 8 million shares if demand is high.

如果需求很高，承销商可以选择再出售800万股。

7.Before issuing bonds, the underwriters conducted a thorough market analysis.

在发行债券之前，承销商进行了全面的市场分析。

8.The insurance company hired several underwriters to assess the risk of new policies.

保险公司雇佣了几位承保人来评估新保单的风险。

9.The underwriters were responsible for evaluating the applicant's creditworthiness.

这些承保人负责评估申请人的信用worthiness。

10.In the world of finance, underwriters play a crucial role in determining the pricing of securities.

在金融界，承销商在确定证券定价方面发挥着关键作用。

11.Insurance underwriters often use statistical models to predict potential losses.

保险承保人通常使用统计模型来预测潜在损失。

作文

In the world of finance and insurance, the term underwriters refers to individuals or companies that evaluate and assume the risk of insuring clients. Their role is crucial in determining the terms of insurance policies and ensuring that the financial stability of the insurance company is maintained. An underwriter assesses the likelihood of a claim being made and decides how much coverage a client should receive, as well as the premium they must pay. This process is essential for both the insurer and the insured, as it helps to balance risk and ensures that the insurance company remains profitable.The work of underwriters can vary significantly depending on the type of insurance involved. For instance, in health insurance, underwriters may analyze medical histories and assess potential health risks associated with an applicant. In property insurance, they might evaluate the condition and location of a property to determine its value and the associated risks of insuring it. One of the primary responsibilities of underwriters is to collect and analyze data to make informed decisions. They often use statistical models and historical data to predict future claims and help set premiums accordingly. This analytical aspect of their job requires a deep understanding of both the market and the specific risks involved in each case. Moreover, underwriters play a vital role in the underwriting process, which is the mechanism by which an insurance policy is created. During this process, they will review applications, conduct interviews, and sometimes even consult with experts in various fields to gather all necessary information before making a decision. The outcome of their assessment can lead to the acceptance or rejection of an application, or adjustments to the terms of coverage.In addition to their analytical skills, successful underwriters must also possess strong communication skills. They often need to explain their decisions to clients, agents, and other stakeholders. Clear communication is essential, especially when discussing complex insurance terms or explaining why a certain risk is deemed unacceptable. Furthermore, underwriters must stay updated on industry trends, regulations, and emerging risks, such as those posed by climate change or technological advancements. This ongoing education allows them to adapt their strategies and ensure that their assessments remain relevant in a constantly changing environment. In conclusion, underwriters are integral to the insurance industry, responsible for evaluating risks and determining the terms of coverage for clients. Their expertise not only protects the financial interests of insurance companies but also provides essential security for individuals and businesses seeking coverage. Understanding the role of underwriters is crucial for anyone interested in the fields of finance and insurance, as they play a pivotal role in the functioning of these industries. Without underwriters, the insurance market would be less stable, and clients would face greater uncertainty regarding their coverage options.

在金融和保险领域，术语underwriters指的是评估和承担客户保险风险的个人或公司。他们的角色对于确定保险政策的条款以及确保保险公司的财务稳定至关重要。underwriter评估索赔发生的可能性，并决定客户应获得多少保险保障，以及他们必须支付的保费。这个过程对于保险公司和被保险人都是必不可少的，因为它有助于平衡风险，并确保保险公司保持盈利。underwriters的工作可以根据所涉及的保险类型而显著不同。例如，在健康保险中，underwriters可能会分析医疗历史并评估申请人潜在的健康风险。在财产保险中，他们可能会评估财产的状况和位置，以确定其价值及其保险相关的风险。underwriters的主要职责之一是收集和分析数据，以做出明智的决策。他们通常使用统计模型和历史数据来预测未来的索赔，并相应地帮助设定保费。这一分析性工作要求对市场和每种情况涉及的特定风险有深刻的理解。此外，underwriters在承保过程中扮演着至关重要的角色，这是创建保险政策的机制。在此过程中，他们会审查申请，进行面试，有时甚至咨询各个领域的专家，以收集所有必要的信息，然后再做出决定。他们评估的结果可能导致申请被接受或拒绝，或者对保障条款进行调整。除了分析技能外，成功的underwriters还必须具备强大的沟通能力。他们常常需要向客户、代理人和其他利益相关者解释他们的决定。清晰的沟通至关重要，特别是在讨论复杂的保险条款或解释某种风险为何被视为不可接受时。此外，underwriters必须不断更新行业趋势、法规和新兴风险，例如气候变化或技术进步带来的风险。这种持续的教育使他们能够调整策略，并确保他们的评估在不断变化的环境中保持相关性。总之，underwriters是保险行业的重要组成部分，负责评估风险并确定客户的保障条款。他们的专业知识不仅保护了保险公司的财务利益，还为寻求保障的个人和企业提供了必要的安全感。了解underwriters的角色对于任何对金融和保险领域感兴趣的人来说都是至关重要的，因为他们在这些行业的运作中发挥着关键作用。没有underwriters，保险市场将不那么稳定，客户在保障选择上将面临更大的不确定性。