【正文】 ,suffocation 種屬鑒定 species identification重傷 grave injury 中毒 poisoning 中毒量 toxic dose 蛛網(wǎng)膜下腔出血 subarachnoid hemorrhage專家證言 expert testimony 磚石傷 brickstone injury 撞痕 impact abrasion撞擊傷 impact injury 紫外分光光度法 ultraviolet spectrophotometry自然死亡 nature death自溶 autolysis 自殺 suicide 自殺死 suicidal death 組織間橋 tissue bridge 作證能力 petency第五篇：保險業(yè)常用詞匯中英文對照保險業(yè)常用詞匯中英文對照 第一部分：保險承保業(yè)務(wù)一般保險原理保險 insurance保險業(yè)insurance industry 保險業(yè)務(wù)結(jié)構(gòu)business structures 保險業(yè)主體bodies in Insurance Industry 被保險人 insured理賠claim settlement承保利潤微薄underwriting profit is slight 承保能力insurance capacity承保業(yè)務(wù)underwriting operation 未決賠款儲備金 reserve IBRN大數(shù)法則 Law of Large Numbers營業(yè)額turnover市場缺陷 market imperfections社會保險social insurance個人代理人personal agent銀行保險bank insurance直銷straight pin傭金brokerage手續(xù)費(fèi)missioncharges 再保險reinsurance財產(chǎn)保險財產(chǎn)保險property insurance長尾long－tail長期護(hù)理保險long—term care insurance短尾short－tail綜合賠付率bined ratio自留retention車險auto insurance財產(chǎn)保險property insurance責(zé)任保險liability insurance農(nóng)業(yè)保險agriculturalinsurance巨災(zāi)保險catastrophe insurance意外傷害保險casualty accidentinsurance壽險詞匯變額壽險 variable life insurance長壽保險insurance on last survivor定期壽險term insurance合同儲蓄機(jī)構(gòu) contractual saving institutions紅利 dividend疾病保險sickness insurance簡易險 industrial insurance健康保險health insurance巨額醫(yī)藥費(fèi)保險major medical insurance policy可變保費(fèi)壽險 flexible—premium life insurance利差損interest spread risk利率敏感型產(chǎn)品 interest—sensitive whole life賠期/期限indemnity period/limit普通壽險 ordinary life insurance人壽保險life insurance預(yù)定利率市場化Marketbased Assumed Interest Rate團(tuán)險group insurance限期繳費(fèi)終身壽險 limited—payment whole life insurance養(yǎng)老保險endowment insurance醫(yī)療保險insurance for medical care醫(yī)療費(fèi)用保險medical expense insurance終身壽險whole life insurance準(zhǔn)備金reserve傷殘收入保險 disability ine insurance失能 incapacity可變?nèi)f能壽險Variableuniversal life insurance可變年金Variable annuity評估價值A(chǔ)ppraisal Value內(nèi)含價值Embeded Value新業(yè)務(wù)價值Value of New Business稅收優(yōu)惠taxbreak稅收遞延型養(yǎng)老保險Deferred tax endowment insurance大病醫(yī)療保險Large quantity medical insurance分紅保險Participating Insurance傳統(tǒng)保險traditional insurance理財型保險financial planning oriented insurance投資連結(jié)壽險 unit—linked life insurance保險償付能力風(fēng)險資本要求risk—based capital固定最低成本要求 fixed minimum capital requirement保險償付能力監(jiān)管insurance solvency regulation保險監(jiān)管信息系統(tǒng) Insurance Regulatory Information System財務(wù)分析跟蹤系統(tǒng) Financial Analysis Tracking System償付能力Solvency償付能力不足 insolvent認(rèn)可資產(chǎn)admissible assets第二部分 保險資產(chǎn)管理行業(yè)主體和監(jiān)管保險資產(chǎn)管理insurance asset management保險法 insurance law保險資產(chǎn)管理公司 insurance asset management pany中國人保集團(tuán)People39。s Insurance Company of China(簡稱 PICC)中國人保資產(chǎn)管理公司 PICC Asset Management Company Limited慕尼黑再保險資產(chǎn)管理公司Munich ERGO Asset Management GmbH（簡稱MEAG）中國保監(jiān)會China Insurance Regulatory Commission（簡稱CIRC）保險投資“新政”innovation policies in insurance investment可投資資產(chǎn)investable asset投資公司法案 Investment Company Act委托受托關(guān)系委托人 client受托人 trustee委托管理 mandate絕對收益absolute return相對收益 relative return組合管理大類資產(chǎn)配置 assets allocation戰(zhàn)略資產(chǎn)配置Strategic Assets Allocation（簡稱SAA）戰(zhàn)術(shù)資產(chǎn)配置 Tactic Assets Allocation（簡稱TAA）流動性管理 liquidity management資產(chǎn)負(fù)債管理 AssetLiability Management（簡稱ALM）久期匹配duration matching現(xiàn)金流匹配cash flow matching一般賬戶 general account獨(dú)立賬戶separate account類別投資固定收益投資fixedine investment持有到期類資產(chǎn)heldtomaturity asset交易類資產(chǎn) trading asset可供出售類資產(chǎn) asset available for sale股票投資 equity investment基金投資fund investment另類投資 alternative investment境外投資 overseas investment基礎(chǔ)設(shè)施債權(quán)計劃infrastructure debt investment plan未上市企業(yè)股權(quán)投資 private equity investment 不動產(chǎn)投資real estate investment利率互換 Interest Rate Swap（簡稱IRS）均值一方差分析 the meanvariance method第三方業(yè)務(wù)財富管理wealth management第三方投資管理 the thirdparty asset management企業(yè)年金occupational annuity養(yǎng)老金 pension集合投資產(chǎn)品 collective investment fund