emerging surpus + "Value in Force securitisation"
Chinese translation: 未来盈余，现有保单价值证券化
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| 11:14 Sep 6, 2008 |
| English to Chinese translations [PRO] Insurance | |||||||
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|  Selected response from: LoyalTrans Local time: 06:36 | ||||||
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| 3 | 新兴盈余 |
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| 3 | 未来盈余，现有保单价值证券化 |
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Answers
2 hrs confidence: 
| emerging surpus + "value in force securitisation" 新兴盈余 Explanation: I am not sure about the latter. |
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5 hrs confidence:
| emerging surpus + "value in force securitisation" 未来盈余，现有保单价值证券化 Explanation: emerging surplus（即Embedded Value，内含价值）应指保险公司的现有保单的未来利润的现值，粗略相当于续期保费+已收保费的投资收益-支付的保险费 value in force 是指in force的保单（即现有生效保单）的现值， value in force securitisation即对这种现值的证券化，换言之，将未来利润折现成当前值后发行证券卖给投资者，这样就可以把未来的收益转换为当前收益。 美国的次级债危机就是securitisation玩大了，结果未来收益估计过高（穷人还不起贷款），抵消不了次级债的发行规模而崩溃的。 |
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