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That naturally hits monoline insurance companies more than multiline insurance companies because they are more specialized and more vulnerable.
它对单线保险公司的冲击,自然要大于多线保险公司,因为它们的业务更单一也更容易受到影响
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It's like an insurance where people imagine they're insuring people's lives and they think that their deaths are all independent.
或许这有点像保险,在人寿保险中,每个人的死都被假定为相互独立的。
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On the other hand, what if insurance companies determined that people from Asia got into more accidents than people from Europe?
但是如果保险公司,判定亚洲裔,比欧洲裔更容易出车祸呢？
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If you didn't really believe you were going to die, that is undergo bodily death, why would you take out life insurance?
如果人们不相信自己会死，不相信肉体的消亡，那为什么买人寿保险？
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But because they have such a good reputation, on the bases of ratings and other kinds of securities, people just took them as they were.
但是这些评级公司有着良好声誉，基于他们传统的评级,和对其他保险的评级，人们自然相信他们。
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Or the insurance company could be a mutual insurance company, in which case the insurance company is owned by the insured.
保险公司也可以是互助保险公司,也就是保险公司的股东就是被保险人
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I want to talk about certain kinds of monoline insurance companies that-- the biggest--one category is property and casualty.
下面我想分类介绍一下,单线保险公司,最大的一类是财产保险公司
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She said, we have it now at Swiss Re and, of course, The World Bank sponsors crop insurance for farmers.
她说,我们公司推出了农作物保险业务,而且世界银行也向农户提供保险补贴
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What this did is it allowed banks to offer insurance or to ally and join in and merge with insurance companies.
这个法案允许了银行从事保险业务,或者与保险公司合作,整合,并购
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I want to talk about government regulation of insurance because I said that was an important aspect of insurance.
我现在想讲一下政府对保险业的监管,因为我说过这是保险中很重要的一个方面
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I want to conclude with problems, which may sound kind of negative but this is--I don't shrink from negativism.
我想以保险业的缺陷作为本课总结,它可能听起来有点否定意味,但这是,我并不讨厌否定
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An insurance company has reserves and it has enough reserves to cover them for a certain number of accidents.
保险公司一般都有准备金,准备金的数量一般保持在,刚刚够赔偿一定数量的保单
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It's very hard to start an insurance company because you've got to meet the requirements of all fifty regulators.
开办保险公司是非常不容易的,因为你必须同时满足五十个州的监管要求
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Ideally, life insurance is insuring people-- or fire insurance is insuring people-- against independent events, so it's not the fire of London.
理想状态下,人寿保险,或者是火灾险,承保的对象都是独立事件,伦敦大火的例子不在讨论范围
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Notably, we saw Hurricane Katrina that caused huge property damage in--a couple of years ago-- that, kind of, tested insurance companies again.
尤其是卡特里娜飓风,在几年前它导致了巨大的财产损失,这又是一个对保险公司的考验
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Before I get to that let me just say-- I want to just mention a few types of insurance that are important.
在讨论这个之前我想先说说...,我想讲几种类型的保险,它们很重要
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Another kind of monoline insurance is health insurance company that merely insures people against health costs, and another important category is life insurance.
另一类单线保险公司是健康保险公司,它们专门为人们的医疗费用提供保险,另外一个重要的分类是人寿保险公司
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The same question was rephrased in another way, without mentioning the word insurance-- they just described it.
同样的问题，但另一种提问方式，没有提到保险这个字眼-,而仅仅是对保险做了描述。
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It has to have a contract design; that would be a document, which is a contract between the insured and the insurance company.
它必须有合同设计,那是一个文件,也就是被保险人和保险公司签订的合同
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The company has to have enough money on hand to pay out in the case of default.
保险公司必须储备足够的资金,以应对突发的保险事故
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Insurance now, in the United States, is regulated not by the federal government but by insurance regulators in each of the fifty states.
如今,美国的保险业,并不是由联邦政府直接监管,而是由各个州的监管机构监管
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I get fire insurance on my house and so I behave badly: I deliberately burn the house down to collect on my insurance.
我为我的房子投了火险，于是我就：,我故意烧毁房屋,以便领走保险金。
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You need insurance on both parents because both parents are contributing to the success of the children.
之所以父母双方都要购买保险,是因为父母双方都对,孩子的成长起着重要的作用
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In order to devise an insurance contact that does this job, we have to have a contract between an insurance company and the insured.
要想设计一个保险合约,要想做这项工作，我们得在保险公司和,被保险人之间建立一个合约。
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The total of the premia collected on automobiles is about- is much bigger, like five times bigger, than of the premia they collect on homeowners.
保险公司在汽车保险上的保费收入,大大多于,大概是6倍于,在住房保险上的保费收入
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Homes just stay where they are, so we have far fewer accidents, so they don't have to charge as high a premium for the insurance.
而住宅则是固定的,所以发生事故的情况也更少,这就导致保险公司对住房保险收取的保费,不会太高
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London insurance companies would because the whole concept of insurance is pooling of independent probabilities.
伦敦的保险公司之所以开展火险,是因为整个保险理念,就是将独立事件发生的风险汇聚起来
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Insurance pools risks like life risks or fire risks by writing policies to individual policyholders.
保险业分散风险是通过,与个人签订保险合同,比如寿险合同,或者火险合同
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The theory of insurance is that ideally an insurance company wants to insure independent events.
保险理论就是在理想状态下,保险公司为独立事件承保
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Then of course, there's the other problem that the insurance company-- how does the insurance company reasonably specify that it can come through on this policy?
之后，对保险公司来说,当然还存在其它问题-,保险公司怎样才能使一份保单上,载明的内容合理而有效被执行呢？
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