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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So they--in other words, the insurance company--doesn't trust the insurance companies to do the calculations like I showed with the binomial theorem.

因此他们...也就是说,他们不放心让保险公司按照二项式定理,自己计算准备金要求

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An insurance company must hold the reserves; it can hold more and that's called the statutory surplus.

保险公司必须持有准备金,可以提取更多准备金,这叫做法定盈余

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The most important thing that these do is: they specify what reserves insurance companies have to hold.

最重要的是,他们指定了保险公司必须持有多少准备金

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So, these insurance companies have reserves on hand and they invest these reserves in something.

这些保险公司存有准备金,他们把这些准备金进行了投资

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One thing that the government has to do is reassure that reserves' requirements are met.

政府需要确保保险公司的,保险准备金达到规定的数额

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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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