expected losses

简明释义

预期损失

英英释义

例句

1.The bank's analysts reviewed the expected losses 预期损失 from defaulted loans.

银行的分析师审查了违约贷款的预期损失。

2.The insurance company calculated the expected losses 预期损失 for the upcoming year based on historical data.

保险公司根据历史数据计算了明年的预期损失。

3.To mitigate expected losses 预期损失, the company implemented new risk management strategies.

为了减轻预期损失，公司实施了新的风险管理策略。

4.Investors should consider the expected losses 预期损失 when assessing the risk of a new venture.

投资者在评估新项目的风险时应考虑预期损失。

5.The financial report included a section on expected losses 预期损失 due to market fluctuations.

财务报告中包括了一部分关于因市场波动而产生的预期损失。

作文

In the world of finance and risk management, understanding the concept of expected losses is crucial for making informed decisions. Expected losses refer to the average loss that a company or an individual anticipates over a specific period due to various risks. This metric helps organizations prepare for potential downturns and develop strategies to mitigate these risks effectively.To illustrate, let's consider a bank that issues loans. The bank must assess the likelihood of borrowers defaulting on their loans. By analyzing historical data, the bank can estimate the expected losses from defaults. For instance, if the bank has issued $1 million in loans and expects that 5% of those loans will default, the expected losses would be $50,000. This figure is essential for the bank to maintain its financial health and ensure it has enough reserves to cover potential losses.Moreover, expected losses are not just limited to the banking sector; they apply to various industries, including insurance, manufacturing, and investments. For example, an insurance company calculates expected losses based on the frequency and severity of claims it receives. By understanding these losses, the company can set premiums that adequately cover potential payouts while still being competitive in the market.Another important aspect of expected losses is its role in regulatory compliance. Financial institutions are often required to maintain a certain level of capital reserves based on their expected losses. This requirement ensures that banks remain solvent and can withstand economic shocks. Regulators use models to assess whether a bank's calculations of expected losses are accurate and whether the institution is taking appropriate measures to manage its risk exposure.Furthermore, the concept of expected losses can also be applied to personal finance. Individuals planning for retirement or major life events must consider potential financial setbacks. By estimating expected losses in their investment portfolios, they can make more strategic choices about asset allocation and risk tolerance. For example, if someone knows that their investments might lose 10% during a market downturn, they can adjust their savings plan accordingly to ensure they meet their long-term goals.In conclusion, the concept of expected losses is vital across various sectors and personal finance. Understanding how to calculate and interpret expected losses enables businesses and individuals to make better financial decisions, prepare for uncertainties, and comply with regulatory requirements. As the financial landscape becomes increasingly complex, grasping this concept will be an invaluable skill for anyone looking to navigate the intricacies of risk and reward in their financial endeavors.

在金融和风险管理的世界中，理解“预期损失”这一概念对于做出明智的决策至关重要。“预期损失”是指公司或个人在特定时期内由于各种风险而预期的平均损失。这一指标帮助组织为潜在的下滑做好准备，并有效制定减轻这些风险的策略。例如，考虑一家发放贷款的银行。银行必须评估借款人违约的可能性。通过分析历史数据，银行可以估算因违约而导致的“预期损失”。例如，如果银行发放了100万美元的贷款，并预计5%的贷款会违约，那么“预期损失”将为5万美元。这个数字对银行保持财务健康至关重要，并确保其有足够的储备来覆盖潜在损失。此外，“预期损失”不仅限于银行业；它适用于包括保险、制造和投资等多个行业。例如，保险公司根据其收到的索赔的频率和严重性来计算“预期损失”。通过了解这些损失，公司可以设定足以覆盖潜在支付的保费，同时在市场上保持竞争力。“预期损失”的另一个重要方面是其在合规监管中的作用。金融机构通常需要根据其“预期损失”维持一定水平的资本储备。这一要求确保银行保持偿付能力，并能抵御经济冲击。监管机构使用模型来评估银行对“预期损失”的计算是否准确，以及该机构是否采取了适当措施来管理其风险敞口。此外，“预期损失”的概念也可以应用于个人财务。计划退休或重大生活事件的个人必须考虑潜在的财务挫折。通过估算投资组合中的“预期损失”，他们可以对资产配置和风险承受能力做出更具战略性的选择。例如，如果某人知道他们的投资在市场下跌期间可能会损失10%，那么他们可以相应调整储蓄计划，以确保实现长期目标。总之，“预期损失”的概念在各个领域和个人财务中都是至关重要的。理解如何计算和解释“预期损失”使企业和个人能够做出更好的财务决策，为不确定性做好准备，并遵守监管要求。随着金融环境变得越来越复杂，掌握这一概念将成为任何希望在财务事务中驾驭风险与回报复杂性的人的宝贵技能。