actuaries

简明释义

英[ˈaktʃuəriz]美[ˈæk.tʃuˌɛr.iz]

n. 精算师；[保险]保险计算员（actuary 的复数形式）

英英释义

单词用法

同义词

反义词

例句

1.The majority of actuaries work within the insurance industry, although a growing number of actuaries work in other fields.

大多数的精算师在保险行业工作，在其他领域发挥特长的精算师也越来越多了。

2.At the same time, actuaries revised up their life-expectancy tables, battering returns.

同时，精算师们修正了他们的生命表，也损害了其回报。

3.In 1998 he was awarded the Gold Medal of the Institute of Actuaries.

1998年，他被授予的精算师学会金奖。

4.Bermuda's reinsurance market is flourishing because it relies on a network of brokers, underwriters and actuaries that would be hard to replicate.

百慕大的再保险市场相当繁荣因为它拥有一个庞大的经纪人、保险商、保险精算师网络，这个网络很难轻易复制。

5.Egypt has a surplus of would-be lawyers, slapdash engineers and scarcely numerate accountants but few trained librarians, architects or actuaries.

埃及有许多“将成为”的律师，粗心马虎的工程师，刚能算数的会计师，可是经过专业培训的图书馆管理员、建筑师和精算师人才非常缺乏。

6.In the US, many well-known CEOs started in marketing. In Britain, most started as accountants or actuaries. Of course, some also started out as engineers or lawyers.

在美国，许多知名的首席执行官都起步于市场营销领域。在英国，则大部分最初是会计师或保险精算师。当然，也有些人是从工程师或律师起步的。

7.The outstanding claim reserve is the most important part of reserves. The actuaries in the insurance companies pay most time in estimating the outstanding claim reserves.

未决赔款准备金是保险公司责任准备金中最重要的部分，也是准备金精算师日常工作的主要部分。

8.The insights provided by actuaries can significantly influence business decisions.

由精算师提供的见解可以显著影响商业决策。

9.In the field of pension planning, actuaries play a vital role in ensuring sustainability.

在养老金规划领域，精算师在确保可持续性方面发挥着重要作用。

10.Insurance premiums are often calculated with the help of actuaries who analyze various data.

保险费通常是在分析各种数据的精算师的帮助下计算出来的。

11.Many actuaries use complex mathematical models to predict future events.

许多精算师使用复杂的数学模型来预测未来事件。

12.The role of actuaries is crucial in assessing financial risks for insurance companies.

对于保险公司来说，精算师的角色在评估财务风险方面至关重要。

作文

Actuaries play a crucial role in the insurance and finance industries. These professionals are responsible for analyzing the financial implications of risk and uncertainty. Their work involves using mathematics, statistics, and financial theory to study uncertain future events, particularly those related to insurance and pension programs. The term ‘actuaries’ refers to these experts who are trained to evaluate the likelihood of events occurring and their potential financial impact. To become an actuary, one typically needs a strong background in mathematics and statistics, as well as a degree in actuarial science or a related field. Many actuaries also pursue professional certification through organizations such as the Society of Actuaries or the Casualty Actuarial Society. This process often involves passing a series of rigorous exams that test one’s knowledge and skills in various areas, including probability, financial mathematics, and risk management. The work of actuaries is essential for determining the pricing of insurance policies. For instance, when an insurance company sets premium rates, they rely on the calculations of actuaries to ensure that the premiums are sufficient to cover potential claims while still remaining competitive in the market. This requires a deep understanding of statistical data, historical trends, and economic factors that may influence the likelihood of claims being made. In addition to insurance, actuaries also play a vital role in pension planning. They help organizations design and manage retirement plans by analyzing the financial obligations associated with these plans. This involves projecting future payouts based on various factors such as employee demographics, investment returns, and life expectancy. By doing so, actuaries ensure that pension funds remain solvent and can meet their future obligations to retirees. Moreover, the role of actuaries is expanding beyond traditional sectors. With the rise of big data and advanced analytics, actuaries are increasingly involved in fields like healthcare, climate change, and even cybersecurity. For example, in healthcare, actuaries analyze data to assess the costs associated with medical treatments and predict future healthcare spending. In the context of climate change, they may evaluate the financial risks related to natural disasters and help companies develop strategies to mitigate these risks. The importance of actuaries cannot be overstated. They provide valuable insights that help businesses and governments make informed decisions regarding risk management and financial planning. Without the expertise of actuaries, many organizations would struggle to navigate the complexities of risk assessment and financial forecasting. In conclusion, actuaries are indispensable professionals in today’s economy. Their ability to analyze and interpret complex data allows them to provide critical information that influences financial decision-making across various industries. As the world continues to face new challenges and uncertainties, the demand for skilled actuaries will likely continue to grow, making it a rewarding and impactful career choice for those with a passion for mathematics and problem-solving.

精算师在保险和金融行业中扮演着至关重要的角色。这些专业人士负责分析风险和不确定性的财务影响。他们的工作涉及使用数学、统计学和金融理论来研究与未来事件相关的不确定性，尤其是与保险和养老金计划相关的事件。术语“actuaries”指的是这些经过培训的专家，他们被训练来评估事件发生的可能性及其潜在的财务影响。要成为一名actuary，通常需要具备强大的数学和统计学背景，以及精算科学或相关领域的学位。许多actuaries还通过美国精算师协会或财产意外精算师协会等组织追求专业认证。这个过程通常涉及通过一系列严格的考试，以测试个人在概率、金融数学和风险管理等各个领域的知识和技能。actuaries的工作对于确定保险政策的定价至关重要。例如，当一家保险公司设定保费率时，他们依赖actuaries的计算，以确保保费足以覆盖潜在索赔，同时仍然在市场上保持竞争力。这需要对统计数据、历史趋势和可能影响索赔发生可能性的经济因素有深刻的理解。除了保险，actuaries在养老金规划中也发挥着至关重要的作用。他们通过分析与这些计划相关的财务义务，帮助组织设计和管理退休计划。这涉及根据员工人口统计、投资回报和预期寿命等各种因素预测未来的支付。通过这样做，actuaries确保养老金基金保持偿付能力，并能够满足对退休人员的未来义务。此外，actuaries的角色正在超越传统领域。随着大数据和高级分析的兴起，actuaries越来越多地参与医疗保健、气候变化甚至网络安全等领域。例如，在医疗保健方面，actuaries分析数据以评估与医疗治疗相关的成本，并预测未来的医疗支出。在气候变化的背景下，他们可能会评估与自然灾害相关的财务风险，并帮助公司制定减轻这些风险的策略。actuaries的重要性不容小觑。他们提供的宝贵见解帮助企业和政府在风险管理和财务规划方面做出明智的决策。如果没有actuaries的专业知识，许多组织将难以应对风险评估和财务预测的复杂性。总之，actuaries是在当今经济中不可或缺的专业人士。他们分析和解释复杂数据的能力使他们能够提供影响各行业财务决策的关键信息。随着世界继续面临新的挑战和不确定性，对熟练的actuaries的需求可能会继续增长，使其成为那些热爱数学和解决问题的人们的一个有意义和影响力的职业选择。