ultimate net loss

简明释义

最后实际损失

英英释义

例句

1.Investors were concerned about the company's ultimate net loss 最终净损失 due to recent market fluctuations.

投资者对公司因近期市场波动而产生的ultimate net loss 最终净损失 感到担忧。

2.After reviewing all expenses, the accountant reported an ultimate net loss 最终净损失 for the quarter.

在审查所有费用后，会计报告了本季度的ultimate net loss 最终净损失。

3.To assess risk, the firm must estimate its potential ultimate net loss 最终净损失 from upcoming projects.

为了评估风险，公司必须估算即将进行的项目的潜在ultimate net loss 最终净损失。

4.The financial report highlighted an ultimate net loss 最终净损失 of $1 million last fiscal year.

财务报告强调了上个财政年度的ultimate net loss 最终净损失 为100万美元。

5.The insurance company calculated the ultimate net loss 最终净损失 for the year based on claims received.

保险公司根据收到的索赔计算了年度的ultimate net loss 最终净损失。

作文

In the world of finance and insurance, understanding the concept of ultimate net loss is crucial for both professionals and individuals. The term refers to the total amount of loss that an insurer expects to incur after all recoveries, such as reinsurance and salvage, have been considered. This definition highlights the importance of not only recognizing the initial losses but also accounting for any potential recoveries that may mitigate those losses. In essence, ultimate net loss represents the final financial impact on an insurer after all factors are taken into account.To illustrate the significance of ultimate net loss, consider a scenario where a natural disaster strikes a region, causing widespread damage to properties and businesses. An insurance company that has issued policies to cover these damages will initially face substantial claims from policyholders. However, the ultimate net loss will not be merely the sum of these claims. Instead, it will be calculated by subtracting any recoveries the insurer can make through reinsurance agreements or other means. For instance, if the total claims amount to $10 million but the insurer has a reinsurance contract that allows them to recover $4 million, the ultimate net loss would be $6 million.The calculation of ultimate net loss is critical for insurers as it directly impacts their financial stability and pricing strategies. If an insurer consistently underestimates its ultimate net loss, it may find itself in a precarious financial position, leading to inadequate reserves to pay claims. Conversely, overestimating potential losses can result in unnecessarily high premiums, making insurance less accessible to consumers. Therefore, accurate forecasting and analysis of ultimate net loss is essential for maintaining a healthy balance between profitability and customer satisfaction.Moreover, understanding ultimate net loss is not limited to insurance companies alone. Businesses that rely on insurance coverage must also grasp this concept to make informed decisions regarding risk management. By comprehending how ultimate net loss is determined, companies can better assess their insurance needs and choose appropriate coverage levels. They can also implement strategies to minimize potential losses, such as investing in risk mitigation measures or diversifying their insurance policies.In conclusion, the concept of ultimate net loss plays a pivotal role in the insurance industry and beyond. It encapsulates the true financial impact of losses after considering recoveries, making it a vital metric for insurers and businesses alike. By understanding and accurately calculating ultimate net loss, stakeholders can ensure better financial planning, risk management, and ultimately, a more resilient approach to handling uncertainties in their respective fields.

在金融和保险领域，理解ultimate net loss的概念对专业人士和个人都至关重要。该术语指的是保险公司在考虑所有可回收损失（如再保险和残值）后，预计将承担的总损失金额。这一定义突出了不仅要认识到初始损失的重要性，还要考虑可能减轻这些损失的任何潜在回收。因此，ultimate net loss代表了在考虑所有因素后，保险公司最终对其财务影响。为了说明ultimate net loss的重要性，考虑一种情景：自然灾害袭击某个地区，造成财产和企业的广泛损失。向这些损失提供保障的保险公司将最初面临来自投保人的大量索赔。然而，ultimate net loss并不仅仅是这些索赔的总和。相反，它将通过从保险公司可以通过再保险协议或其他方式进行的任何回收中扣除来计算。例如，如果总索赔金额为1000万美元，但保险公司有一份允许他们回收400万美元的再保险合同，那么ultimate net loss将为600万美元。ultimate net loss的计算对保险公司至关重要，因为它直接影响到他们的财务稳定性和定价策略。如果保险公司持续低估其ultimate net loss，可能会发现自己处于不稳定的财务状况中，导致没有足够的准备金来支付索赔。相反，过高估计潜在损失可能导致不必要的高保费，使保险对消费者而言变得难以获得。因此，准确预测和分析ultimate net loss对保持盈利能力与客户满意度之间的健康平衡至关重要。此外，理解ultimate net loss不仅限于保险公司。依赖保险覆盖的企业也必须掌握这一概念，以便做出明智的风险管理决策。通过理解ultimate net loss的确定方式，公司可以更好地评估其保险需求并选择适当的覆盖水平。他们还可以实施减少潜在损失的策略，例如投资风险缓解措施或多样化其保险政策。总之，ultimate net loss的概念在保险行业及其他领域中发挥着关键作用。它概括了在考虑回收后损失的真实财务影响，使其成为保险公司和企业的重要指标。通过理解和准确计算ultimate net loss，利益相关者可以确保更好的财务规划、风险管理，最终在各自领域中对处理不确定性采取更具韧性的方式。