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保险经济学术语英文
InsuranceEconomicsTerminology
ActuarialScience:Thestudyofthemathematicaland
statisticalanalysisofrisk,particularlyintheinsurance
andfinanceindustries.
AdverseSelection:Thetendencyofindividualswitha
higherriskprofiletobemorelikelytopurchaseinsurance,
leadingtoanimbalanceintheinsurancepool.
Annuity:Aseriesofperiodicpaymentsmadetoan
individualforafixedperiodorforlife,oftenusedasa
retirementincomeproduct.
Arbitrage:Thepracticeoftakingadvantageofaprice
differencebetweentwoormoremarkets,withthegoalof
makingaprofit.
Asset-LiabilityManagement(ALM):Theprocessof
managingthebalancebetweenanorganizationsassetsand
liabilitiestoensurethatitcanmeetitsfinancial
obligations.
BasisRisk:Theriskthatthevalueofahedging
instrumentdoesnotperfectlyoffsetthevalueofthe
underlyingexposure,leadingtopotentiallosses.
BehavioralEconomics:Thestudyofhowpsychological,
cognitive,andemotionalfactorsinfluenceeconomic
decision-making.
CatastropheBond(CatBond):Atypeofinsurance-linked
securitythattransferstheriskofcatastrophicevents,
suchasnaturaldisasters,tothecapitalmarkets.
Coinsurance:Acost-sharingarrangementininsurance
wherethepolicyholderandtheinsurerbothpayaportion
ofthecoveredexpenses.
Deductible:Theamountthatthepolicyholdermustpay
out-of-pocketbeforetheinsurancecompanybeginstocover
theremainingcosts.
Diversification:Thepracticeofinvestinginavariety
ofassetstoreducetheoverallriskofaportfolio.
Endowment:Asumofmoneyorotherfinancialassetsthat
aredonatedtoaninstitution,suchasauniversityor
charity,toprovideapermanentsourceofincome.
Equity-LinkedInsurance:Atypeoflifeinsurance
productthatcombinestraditionallifeinsurancewith
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