ultimate net loss

简明释义

最后损失净额

英英释义

例句

1.After calculating the claims and reserves, the ultimate net loss 最终净损失 for the policy year was determined to be $2.3 million.

在计算索赔和准备金后，该保单年度的最终净损失 ultimate net loss 确定为230万美元。

2.During the financial review, the management highlighted the ultimate net loss 最终净损失 as a key factor affecting profitability.

在财务审查中，管理层强调了最终净损失 ultimate net loss 是影响盈利能力的关键因素。

3.Investors were concerned about the ultimate net loss 最终净损失 that could arise from the company's ongoing litigation.

投资者对公司正在进行的诉讼可能导致的最终净损失 ultimate net loss 感到担忧。

4.The actuaries provided a detailed report on the ultimate net loss 最终净损失 projections for the next fiscal year.

精算师提供了一份关于下一个财政年度的最终净损失 ultimate net loss 预测的详细报告。

5.The insurance company reported an ultimate net loss 最终净损失 of $5 million due to the recent natural disasters.

保险公司报告由于最近的自然灾害，最终净损失 ultimate net loss 为500万美元。

作文

In the realm of finance and insurance, the term ultimate net loss is crucial for understanding risk assessment and financial stability. The concept refers to the total amount of loss that an insurer or company ultimately incurs after accounting for all recoveries, including reinsurance and other forms of compensation. This metric is essential for insurers as it helps them determine the adequacy of their reserves and the overall health of their financial operations.To illustrate, consider an insurance company that has issued a policy covering potential losses from natural disasters. If a hurricane strikes and causes significant damage, the company will first assess the total claims made by policyholders. Let’s say the total claims amount to $10 million. However, the company has also purchased reinsurance to help mitigate its risk exposure. If the reinsurance agreement allows the company to recover $3 million, the ultimate net loss would be calculated as follows: $10 million (total claims) minus $3 million (reinsurance recovery), resulting in an ultimate net loss of $7 million.This figure is vital for the insurer as it reflects the actual financial impact of the disaster on its balance sheet. Understanding the ultimate net loss allows the company to adjust its future premiums, reserve levels, and risk management strategies accordingly. For example, if the ultimate net loss is consistently high over several years, the insurer might decide to increase premiums or tighten underwriting standards to ensure profitability and sustainability.Furthermore, the concept of ultimate net loss is not limited to the insurance industry; it can also apply to various business sectors. Companies engaged in project financing, for instance, must evaluate their ultimate net loss when assessing the viability of large projects. If unexpected costs arise during construction, the company needs to determine how much of those costs can be mitigated through contracts or warranties. The remaining amount represents the ultimate net loss, which can influence decisions about whether to continue, pause, or abandon a project.Moreover, investors and analysts often scrutinize the ultimate net loss figures when evaluating the performance of companies. A rising ultimate net loss may signal underlying issues in risk management or operational efficiency, prompting stakeholders to investigate further. Conversely, a decrease in ultimate net loss over time may indicate improvements in risk assessment practices or a more favorable operating environment.In conclusion, the term ultimate net loss encapsulates a fundamental aspect of financial analysis and risk management across various industries. It serves as a crucial indicator of an organization’s financial health and its ability to withstand unforeseen events. By comprehensively understanding and calculating the ultimate net loss, businesses and insurers can make informed decisions that enhance their resilience and long-term success. As the financial landscape continues to evolve, the importance of accurately assessing ultimate net loss will remain a key component in strategic planning and risk management frameworks.

在金融和保险领域，术语ultimate net loss对于理解风险评估和财务稳定性至关重要。这个概念指的是保险公司或企业在考虑所有回收，包括再保险和其他补偿形式后，最终承受的总损失金额。这个指标对保险公司至关重要，因为它帮助他们确定储备金的充足性以及其财务运作的整体健康状况。为了说明这一点，考虑一家承保自然灾害潜在损失的保险公司。如果飓风袭击并造成重大损失，公司将首先评估保单持有人提出的总索赔。假设总索赔金额为1000万美元。然而，公司还购买了再保险以帮助减轻其风险敞口。如果再保险协议允许公司回收300万美元，则ultimate net loss的计算如下：1000万美元（总索赔）减去300万美元（再保险回收），最终得到700万美元的ultimate net loss。这个数字对保险公司至关重要，因为它反映了灾难对其资产负债表的实际财务影响。了解ultimate net loss使公司能够相应地调整未来的保费、储备水平和风险管理策略。例如，如果ultimate net loss在几年的时间里持续较高，保险公司可能会决定提高保费或收紧承保标准，以确保盈利能力和可持续性。此外，ultimate net loss的概念不仅限于保险行业；它也可以适用于各种商业领域。参与项目融资的公司必须在评估大型项目的可行性时考虑其ultimate net loss。如果在施工过程中出现意外成本，公司需要确定这些成本中有多少可以通过合同或保修来减轻。剩余的金额代表ultimate net loss，这可能会影响关于是否继续、暂停或放弃项目的决策。此外，投资者和分析师通常会在评估公司的表现时仔细审查ultimate net loss数据。上升的ultimate net loss可能表明风险管理或运营效率存在潜在问题，促使利益相关者进一步调查。相反，随着时间的推移，ultimate net loss的减少可能表明风险评估实践的改善或更有利的运营环境。总之，术语ultimate net loss概括了各行业财务分析和风险管理的基本方面。它作为组织财务健康状况及其抵御不可预见事件能力的重要指标。通过全面理解和计算ultimate net loss，企业和保险公司能够做出明智的决策，从而增强其韧性和长期成功。随着金融格局的不断演变，准确评估ultimate net loss的重要性将继续成为战略规划和风险管理框架中的关键组成部分。