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保险业展望——英译中
来源:北京新语丝翻译公司  编辑:admin  发布日期:2013-05-16 08:37

    Possessing the technology to enable the aforementioned growth and effectively support operations and risk management is a business imperative for many insurers in 2013. The introduction of more complex products and data analytics, in combination with riskbased regulations, are pushing legacy systems and processes to the limit. Consequently, insurers must invest in technology upgrades to support growth and improve operations and risk management. In some markets, more complex products are being introduced to meet the needs of a wealthier customer base - the case in China with variable annuities (VA). The hedging programs used to effectively manage the risks created by such complex products require significant technology commitments. Even for non-life insurers, analytics offers the potential to reduce pricing and improve underwriting, although it requires a very different technology mindset. As previously mentioned, the emerging regulatory environment will act as a catalyst for companies to replace their disparate legacy IT systems. Singapore’s Monetary Authority, for example, recently proposed new risk-management requirements addressing the identification and management of the interdependencies among key risks. India’s IRDA plans to impose a minimum retention limit on the risk that must be retained by insurance companies and not ceded to reinsurers. Legacy systems may not produce the comprehensive data needed to effectively evaluate company risks and products. Many systems were not designed for multiple currency/multiple product strategies or the wide range of riders issued. For insurers developing cross-border operations, data security and the integration of diverse back-office systems are further challenges. Building a business case for technology investments at a time of intense competition is difficult, of course. Insurers will need to prioritize these expenditures and justify the benefits versus the cost, although for many carriers, technology investment is a strategic necessity.

    2013年,对许多保险公司而言,拥有能够促使上述增长并有效支持业务和风险管理的技术是企业的当务之急。更为复杂的产品和数据分析以及风险基础法规的推出正将遗留系统和流程推到了极限。因此,保险公司必须投资升级技术,从而支持增长并提高运营和风险管理。在一些市场,为满足较为富裕的客户群的需求,许多保险公司推出了更为复杂的产品,如在中国推行的可变年金(VA)。用于有效管理由此类复杂产品带来的风险的对冲计划需要大批技术保障。即使是非寿险公司,分析也可能有助于降低定价、提高承保水平,不过这需要一种完全不同的技术思维。如前所述,新的监管环境将促使保险公司替换其陈旧的遗留信息技术系统。例如,新加坡金融管理局最近提出了新的风险管理要求,旨在有效识别和管理主要风险之间的相互依赖关系。印度保险监管及发展局计划对保险公司必须留置而不让与再保险人的风险实施最低自留限额。遗留系统可能无法生成有效评估公司风险和产品的综合数据。许多系统的设计并不适合多币种/多产品战略或广泛发行的保险批单。对于发展跨境业务的保险公司而言,数据安全和多样化后台办公系统的整合将遇到进一步挑战。当然,在竞争激烈的市场环境中构建一个技术投资商业案例异常困难。保险公司需要优先考虑这些支出并证明其物有所值,虽然对许多承保单位而言,技术投资具有战略性意义。

    ——新语丝北京翻译公司资深译员翻译

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