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That naturally hits monoline insurance companies more than multiline insurance companies because they are more specialized and more vulnerable.
它对单线保险公司的冲击,自然要大于多线保险公司,因为它们的业务更单一也更容易受到影响
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I want to talk about government regulation of insurance because I said that was an important aspect of insurance.
我现在想讲一下政府对保险业的监管,因为我说过这是保险中很重要的一个方面
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If you didn't really believe you were going to die, that is undergo bodily death, why would you take out life insurance?
如果人们不相信自己会死，不相信肉体的消亡，那为什么买人寿保险？
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Or the insurance company could be a mutual insurance company, in which case the insurance company is owned by the insured.
保险公司也可以是互助保险公司,也就是保险公司的股东就是被保险人
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I want to talk about certain kinds of monoline insurance companies that-- the biggest--one category is property and casualty.
下面我想分类介绍一下,单线保险公司,最大的一类是财产保险公司
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She said, we have it now at Swiss Re and, of course, The World Bank sponsors crop insurance for farmers.
她说,我们公司推出了农作物保险业务,而且世界银行也向农户提供保险补贴
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We had deposit insurance starting in The Great Depression and that's been very important; it's now in every country.
存款保险始于大萧条时期,一直发挥着重要作用,现在遍布各个国家
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It's not public finance, it's not insurance, but it's one of the most important fundamental theories that underlies finance.
这不是财政，不是保险，但这是金融学的,基本理论。
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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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Moreover, beyond that, how does one know, in taking out an insurance policy, that the insurance company is going to be sound?
除此之外，在人们购买保险时，该如何得知保险公司，会严格按照保单言而守信呢？
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At these conferences, they decide on a recommended or uniform insurance regulation policy and it acts a little bit like a Congress.
在会议上,他们就统一监管政策或者建议达成决议,它的运作有点像国会
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When they invented fire insurance, in the 1600s, there was a lot of skepticism because anyone can burn down their house.
十七世纪时，人们发明了火险，当时存在很多质疑,因为任何人都可以烧毁他们的房子。
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It's like an insurance where people imagine they're insuring people's lives and they think that their deaths are all independent.
或许这有点像保险,在人寿保险中,每个人的死都被假定为相互独立的。
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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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It's very hard to start an insurance company because you've got to meet the requirements of all fifty regulators.
开办保险公司是非常不容易的,因为你必须同时满足五十个州的监管要求
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Ideally, life insurance is insuring people-- or fire insurance is insuring people-- against independent events, so it's not the fire of London.
理想状态下,人寿保险,或者是火灾险,承保的对象都是独立事件,伦敦大火的例子不在讨论范围
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