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。
An insurance company must hold the reserves; it can hold more and that's called the statutory surplus.
罚金函数是保险公司破产前瞬间盈余和破产时赤字的函数。
Penalty function is the function of the deficit at ruin and the surplus immediately before ruin.
分红保险是指保险公司将其实际经营所产生的盈余，按一定比例向保单持有人进行分配的人寿保险。
Insurance of share out bonus is the profit that points to insurance company to manage its actually a generation undertake to guarantee slip holder by certain proportion divider birthday is sure.
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