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      保險業展望——英譯中
      來源:北京新語絲翻譯公司  編輯:admin  發布日期: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,對許多保險公司而言,擁有能夠促使上述增長并有效支持業務和風險管理的技術是企業的當務之急。更為復雜的產品和數據分析以及風險基礎法規的推出正將遺留系統和流程推到了極限。因此,保險公司必須投資升級技術,從而支持增長并提高運營和風險管理。在一些市場,為滿足較為富裕的客戶群的需求,許多保險公司推出了更為復雜的產品,如在中國推行的可變年金(VA)。用于有效管理由此類復雜產品帶來的風險的對沖計劃需要大批技術保障。即使是非壽險公司,分析也可能有助于降低定價、提高承保水平,不過這需要一種完全不同的技術思維。如前所述,新的監管環境將促使保險公司替換其陳舊的遺留信息技術系統。例如,新加坡金融管理局最近提出了新的風險管理要求,旨在有效識別和管理主要風險之間的相互依賴關系。印度保險監管及發展局計劃對保險公司必須留置而不讓與再保險人的風險實施最低自留限額。遺留系統可能無法生成有效評估公司風險和產品的綜合數據。許多系統的設計并不適合多幣種/多產品戰略或廣泛發行的保險批單。對于發展跨境業務的保險公司而言,數據安全和多樣化后臺辦公系統的整合將遇到進一步挑戰。當然,在競爭激烈的市場環境中構建一個技術投資商業案例異常困難。保險公司需要優先考慮這些支出并證明其物有所值,雖然對許多承保單位而言,技術投資具有戰略性意義。

          ——新語絲北京翻譯公司資深譯員翻譯

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