保险储备是保险监管者要求保险公司保持一定的储备或盈余的规定。即公司资产大于负债。监管者与会计师对这些储备或盈余的定义各不相同。对监管者来说,出于监管的目的,对待资产与负债是建立在各个州对保险公司覆盖法规基础之上,盈余被称为法定盈余或法定储备。
一家保险公司有足够的保险储备金用来应对这些突发事件。
An insurance company has reserves and it has enough reserves to cover them for a certain number of accidents.
在一种模式下,保险库可起到储备基金的作用,为参与者提供短期信贷,在危机到来时便可向其求助。
Under one model the insurance pool would function like a reserve fund, offering participants a short-term credit line they could call upon during a crisis.
高储备使会社很难再以价格优势和传统的保险公司竞争。
High reserve requirements made it difficult for societies to undercut traditional insurance companies.
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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