英语翻译在当代的保险市场上,保险业的竞争是非常激烈的,而为了争取竞争优势,许多保险公司都是通过降低保险费率吸引客户,从而

英语翻译
在当代的保险市场上,保险业的竞争是非常激烈的,而为了争取竞争优势,许多保险公司都是通过降低保险费率吸引客户,从而使得承保利润不断的降低；承保利润的降低意味着保险公司主要利润要靠投资收益,在逐渐拓宽保险资金投资渠道的过程中,保险资金运用已经成为保险公司健康发展的基础.在当前复杂多变的市场环境中,尤其是投资环境.保险资金运用的风险控制问题变得尤为重要.当前变换的市场环境中,保险的资金运用面临着各种各样的风险,如利率风险,信用风险,市场风险,流动性风险,操作性险等,特别是04年保险资金直接投资股市,使得保险资金运用风险变得更为错综复杂,而相继的允许资金投资境外市场,投资银行股权及间接投资不动产等,将为保险业经营稳定提供更大的挑战.本文主要对保险资金运用所面临的风险进行分析,研究其发生的可能性,并提出有关风险规避的对策,使保险资金运用能够发挥更大的效益,从而保护投保人方的利益,保证巨灾赔付,推动与我国资本市场的互动,推动保险业的良性发展,促进经济的发展.
关键词：保险资金运用；操作风险；利率风险；信用风险；保险资金入市

太简单了————————————————In the contemporary insurance market,the insurance business competition is very intense,but to strive for the competitive advantage,many Insurance companies are through reduce the premium rate attraction customer,thus causes underwriting profit unceasing reduction; The underwriting profit reduces means that the Insurance company main profit must depend on the investment yield,in expands the insurance fund to invest in gradually channel's process,the safe utilization of capital already became the Insurance company healthy development the foundation.In current complicated and diversified market environment,particularly investment environment.The safe utilization of capital's risk control question becomes especially important.In the current transformation's market environment,the insurance utilization of capital is facing various risks,like the interest risk,the credit risks,the market risk,the fluid risk,the operational danger and so on,specially 04 year safe fund direct investment stock market,causes the insurance utilization of capital risk becomes more intriguing,but the permission fund investment external market one after another,the Investment bank stockholder's rights and the indirect investment real estate and so on,will provide a bigger challenge stably for the insurance business management.This article mainly the risk which faces to the insurance utilization of capital carries on the analysis,studies possibility which it occurs,and proposed that the related risk circumvention's countermeasure,enables the insurance utilization of capital to display a bigger benefit,thus protects the policy holder side the benefit,guaranteed that the great disaster payment,impels with our country capital market interaction,impels the insurance business the benign development,the promotion economy development.key word:Safe utilization of capital; Operation risk; Interest risk; Credit risks; Safe fund entering the market