大一新生学生英语周记

　　Business of Insurance Companies

　　Insurance netpanies do two types of business. One is general insurance against various forms of risk, and the other is long-term insurance which is mainly life insurance.

　　General insurers will agree to pay a person or netpany a sum of money in the event of something happening or not happening. It’s a big business today. If the project succeeds, shareholders in your netpany will expect to be paid a dividend. If you ask an insurer to underwrite your project, then he will require a payment in advance, a premium. If the project succeeds, he keeps the premium, but you don’t pay him anything else. Paying a premium to an insurer or underwriter is often cheaper than paying a dividend to shareholders. If fewer dividends are paid to shareholders, then more money can be kept as retention to finance the netpany’s next project.

　　Another type of insurance business is the life insurance. It differs basically from general insurance in that it is based not on risk but on certainty — the certainty that each of us will one day die. Life insurance is the basis of pension funds which provide for retirement and guard against other contingencies such as ill-health, but is best seen by the financial economist as a means of collecting many small savings to put together into large investments, in short, as a form of intermediation.

　　翻译：

　　保险公司业务

　　保险公司做两种类型的业务。一种是针对各种形式风险的一般保险，另一种是长期保险，主要是人寿保险。

　　一般保险人将同意在发生或不发生事件的情况下向某人支付一笔款项。今天是一个大生意。如果项目成功，您公司的股东将被期望支付股息。如果您要求保险公司承保您的项目，那么他需要提前支付一笔保险费。如果项目成功，他保持溢价，但你不给他任何东西。向保险公司或承销商支付保费通常比向股东支付股利便宜。如果向股东支付的股利较少，那么可以将更多的资金作为保留，以资助网络公司的下一个项目。

　　另一种类型的保险业务是人寿保险。它基本上与一般保险不同，它不是基于风险，而是基于确定性 - 我们每个人有一天会死亡的确定性。人寿保险是养老基金的基础，它为退休提供保险，防范其他紧急情况，例如健康状况不佳，但金融经济学家最好将其视为收集许多小额储蓄以便汇总成大型投资的手段，简而言之，中介的一种形式。