而寿险公司通常具有较低的资产负债率，而且保险公司的大部分资产很具“粘性”，因为投保人若是取消长期合同就要被罚款。

Life insurers typically have low gearing, and the policyholders who fund the bulk of their assets are "sticky", with long-term contracts that incur penalty charges if they are cancelled.

youdao

几次违规受到高额罚款，就会给企业利润率造成很大压力，迫使这些公司最终执行法律精神。

Hefty fines for just a few violations will eventually squeeze the profit margin of the business, forcing the firms to eventually comply with the spirit of the law.

youdao

出席率稍微提高了一些，但病人厌恶这种做法，而且罚款也很难收上来。

This increased attendance slightly, but patients hated it, and it was very difficult to collect the fines.

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