-
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
-
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
-
It's talked about that there should be a federal government regulation of insurance but it's actually state regulators.
也有人认为应该建立国家层面的,保险业监管机构,但现在的情况仍是各州分开监管
-
The mathematical theory of probability was unknown until that time and you can see that insurance suddenly made an appearance at that time.
在那之前,概率的数学理论,是不存在的,而随着概率论的出现,保险业也突然出现了
-
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
-
I think it was the invention of probability theory that really started it and that's why I think theory is very important in finance.
我认为是概率论的诞生,真正促生了保险业,那也是为什么,我认为理论对于金融来说非常重要
-
The regulators do many things, but insurance regulators, most of all, are concerned with capital adequacy.
监管机构要顾及很多事情,但保险业监管机构,最为关心的是资本充足率
-
We're seeing what they call systemic effects-- that's a very general term that goes beyond insurance.
我们现在看到了它的系统性作用,其影响远远超出了保险业自身
-
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
-
This will be an historical as well as a theoretical discussion of insurance.
这对于保险业来说,不仅具有历史意义,同样具有理论意义
-
I guess they didn't have our language, they didn't-- they were intuitively halfway there but they couldn't express it, so I think the industry didn't get really started.
我猜当时并没有专业的词汇,他们未能...,他们有想法,却无法表述,所以我认为那只是保险业的雏形
-
It's very hard to summarize insurance regulation in the United States.
所以要概括全美国的保险业监管情况,是很困难的
-
It makes it--this is a handicap to the U.S. insurance industry.
这其实是美国保险业发展的一个障碍
-
Actually, insurance goes back to ancient Rome in some form.
事实上从某种意义来说,保险业可以追溯到古罗马
-
So it's really parallel to an insurance discussion.
讨论的主线与保险业是相对应的
-
Then I want to talk about insurance.
然后我想谈谈保险业
-
to become insurance-related.
并且与保险业密切相连
-
there are some milestones in insurance that I want to mention.
还有一件重要的Another important–- 我想讲讲保险业发展过程中的里程碑式事件
应用推荐