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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
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And if you use these three agencies, then everyone would be approved by the regulators.
如果你使用这三个评级公司，每项贷款都能获政府通过。
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The reserves are an accounting entry-- it's how much they are required to hold, but the companies will hold more than that, typically, in order to protect themselves-- more than is required--and their policy holders-- more than is required by the regulators.
提取准备金就要做会计分录,由相关部门的规定,来提存一定量的准备金,但是保险公司可以持有更多的准备金,通常,多提存是为了,保护他们自己以及投保人,于是持有更多准备金
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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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That means that the different regulators should each have their own objective, so they have a three-part proposal.
也就是说每一环节上的,调控者都要有自己的目标，这个计划将分为三部分。
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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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There have to be regulators that are at least verifying that the insurance company is doing what it says it's going to do.
还必须有监管机构,以确保保险公司将会,履行承诺
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It was an international convention that gave, what they called, risk-based capital requirements and recommended risk-based capital requirements to bank regulators around the world.
巴塞尔协议是一个国际公约,它制定了,风险资本要求,并且向各国的银行监管者,推荐风险资本要求
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It's an effort to try to get the complexity of fifty different regulators uniform.
要让如此复杂的五十个不同的监管体系,统一起来是需要付出努力的
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The division is what hampered regulators from dealing with the financial subprime crisis.
监管机构正是用来约束那些调控者,以防其与金融次贷有染的。
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What they're doing is emphasizing the different objectives of regulators.
财政部的人所需要做的就是,好好地发挥这三部分管理者的作用。
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The SEC and other regulators have to watch for this.
但证交会和其它监管机构监督此举
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The New York state regulators have been trying to get companies to subscribe more capital to the monoline insurance companies to bolster their capital so that they have more money to pay out; that will prevent any more lowering of their ratings.
纽约州的监管者试图请一些公司,向单线保险公司支援更多资金,以便他们能应付保险赔付要求,那样可以阻止进一步的降级
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So, it really is -it really ought to be on the bank's balance sheet and it ought to be regulated by the bank regulators, but there was a failure to do that and that is the problem that we are in currently.
所以说,它确实该...,它应该反映在银行的资产负债表上,同时接受银行监管体系的管理,但这却没能实现,这就是我们目前面临的问题
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It's a little bit like the NAIC -the National Association of Insurance Commissioners -recommends laws to the local insurance regulators in the fifty United States.
这有点像NAIC,美国保险监督官协会,它对全美国50个州的,地方保险监管机构推荐法律法规
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