reinsurance

简明释义

英[/ˌriːɪnˈʃʊrəns/]美[/ˌriːɪnˈʃʊrəns/]

n. 再保险；再保险金额

英英释义

单词用法

同义词

反义词

例句

1.ACORD is an association that provides standards for the insurance, reinsurance, and related financial services industries.

ACORD协会为保险、再保险及相关金融服务业制定标准。

2.When a reinsurer purchases reinsurance, we call it retrocession.

当再保险人购买再保险时，我们称为转分保。

3.Even so premiums barely rose, perhaps because there was too much spare capacity in the reinsurance industry.

尽管如此，保险金还是几乎没有上升，可能是由于在再保险行业，其容量空间还是太大了。

4.The moral risks in the field of insurance occur not only in direct insurance transactions, but also in reinsurance transactions.

保险领域的道德风险，不仅仅发生在直接保险交易中，而且发生在再保险交易中。

5.Bermuda's reinsurance market is flourishing because it relies on a network of brokers, underwriters and actuaries that would be hard to replicate.

百慕大的再保险市场相当繁荣因为它拥有一个庞大的经纪人、保险商、保险精算师网络，这个网络很难轻易复制。

6.This is because of premium rates stagnating or declining in many areas, while the supply of insurance and reinsurance remains high.

这是因为许多领域的保险费率停滞不前或出现下降，与此同时保险和再保险的供应依然偏高。

7.It is always puzzling with hindsight when companies in cyclical industries such as mining and reinsurance repeat the same mistake.

事后看来往往令人费解的是，采矿业和再保险业等周期性行业的企业会重复同样的错误。

8.The reinsurance agreement allowed the insurer to take on more clients.

该再保险协议使保险公司能够承接更多客户。

9.The insurance company sought reinsurance to protect itself against large claims.

保险公司寻求再保险以保护自己免受大额索赔的影响。

10.Many insurers rely on reinsurance to manage their risk exposure.

许多保险公司依赖再保险来管理其风险敞口。

11.The firm specialized in life reinsurance to help other companies mitigate risks.

该公司专门从事人寿再保险，以帮助其他公司减轻风险。

12.In times of natural disasters, reinsurance becomes crucial for financial stability.

在自然灾害期间，再保险对财务稳定至关重要。

作文

Reinsurance is a critical concept in the insurance industry, serving as a safety net for insurance companies. It involves one insurance company purchasing insurance from another to mitigate risk. This process allows insurers to manage their exposure to large claims and stabilize their financial standing. In essence, reinsurance (再保险) acts as a form of risk management that enhances the capacity of insurers to underwrite more policies without overexposing themselves to potential losses.The necessity of reinsurance (再保险) becomes particularly apparent during catastrophic events. For instance, when a natural disaster strikes, the claims made by policyholders can exceed the financial capabilities of the primary insurer. In such cases, having a reinsurance (再保险) agreement in place ensures that the insurer can cover these claims without jeopardizing its financial health. By transferring some of the risk to the reinsurer, primary insurers can maintain their solvency and continue to provide coverage to their clients.Moreover, reinsurance (再保险) plays a vital role in the overall stability of the insurance market. It helps to spread risks across a larger pool, which can lead to more competitive pricing for consumers. When insurers share their risks with reinsurers, they can offer lower premiums to their customers, making insurance more accessible. This dynamic fosters a healthier insurance market where both consumers and providers benefit.There are different types of reinsurance (再保险), including facultative and treaty reinsurance. Facultative reinsurance (再保险) is negotiated on a case-by-case basis, allowing insurers to choose specific risks to cede to the reinsurer. On the other hand, treaty reinsurance (再保险) involves a pre-agreed contract that covers a portfolio of policies, providing more comprehensive protection for the insurer. Each type has its advantages and is suited to different situations, depending on the needs of the insurance company.The process of obtaining reinsurance (再保险) involves detailed assessments of risk. Insurers must analyze their own portfolios, evaluating the likelihood of claims and the potential financial impact. This analysis is crucial for determining the amount of reinsurance (再保险) needed and the terms of the agreement. The relationship between the insurer and reinsurer is built on trust and transparency, as both parties must understand the risks involved.In conclusion, reinsurance (再保险) is an essential component of the insurance industry, providing a mechanism for risk management and financial stability. It enables insurers to underwrite more policies while protecting themselves against unforeseen losses. As the world faces increasing uncertainties, the role of reinsurance (再保险) will only continue to grow, ensuring that both insurers and policyholders can navigate the complexities of risk with greater confidence.