As you’d expect, lower-risk people receive insurance premiums that are generally much less expensive. By combining high- and low-risk insureds in a single pool, the potential costs presented to the insurers become more manageable and stable. Actuaries provide detailed analyses of the likelihood ...
Risk sharing resulting in pooling of risk is considered. First pooling is discussed from the perspective of life and pension insurance. Second we take the perspective of Pareto optimal risk sharing, originating from a model introduced by Karl Borch in the late 50ties, and discuss when pooling ...
例如,The companies engaged in resource pooling to reduce operational costs. (这些公司通过资源共享来降低运营成本。)通过共享设备、空间或信息,不同实体之间可以实现互利共赢。 风险汇集 🛡️ 在保险行业,风险汇集是一个重要的概念。Insurance companies use risk pooling to spread out individual risks among a...
Despite sophisticated risk equalization, insurers in regulated health insurance markets still face incentives to attract healthy people and avoid the chronically ill because of predictable differences in profitability between these groups. The traditiona
RiskPooling：风险分担 Risk Pooling The risks to the financial system are extremely high, according to Morgan Stanley. At present, investors have not prepared themselves for the real possibility of a further downturn in the financial sector and a systemic shock to the entire sector.The centre of ...
Risk pooling is a fundamental strategy for managing risks and enhancing financial stability across various sectors. If you’re interested in learning more about related topics, you might want to read about insurance principles, reinsurance, and collective investment schemes. ...
adj.+n. large pool,indoor pool,small pool,outdoor pool,huge pool 英-汉英-英网络释义 pooling n.v. 1.(天然)水坑,水塘;水池子,沉淀池;游泳池;龙潭 2.赌注;放赌注处 3.〈英〉赌博性质的撞球 4.拼份子赌博;合伙生产[经营,投资](者);合伙人所出的份子 ...
Unless, that is, we are talking about a form of risk pooling known as an income annuity. Income annuities come in all kinds of flavors. But the idea is basically the same: We throw in our lot with other retirees, so we can share risk. The insurance company that manages the pool is ...
risks.Intheinsuranceindustry,hurricanes,whichimpactlargeproportionsofthe population,areknownascatastrophicrisks.ThesamemightnowbesaidofCDOsand macroeconomicevents. Questions 1.Whatisriskpooling,provideexamples? 2.Howcancreditratingagenciesreduceadverseselection? 3.Howmightaninvestorprotectthemselvesagainsttheriskspresent...
Insurance relies on this theory ofrisk poolingbut it has to make it work.───保险是基于风险汇聚理论的,并运用其有效降低风险。 Insurers, just like mutual funds, are providingrisk poolingfor you.───保险公司和共同基金一样,为客户提供风险汇聚服务。