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1 property insurer
Страхование: страховщик имущества, страховщик собственности -
2 insurer
сущ.страх. страховщик (лицо или организация, принимающая какой-л. риск на страхование, т. е. лицо или организация, принимающая обязательство возместить убытки или выплатить оговоренную сумму при наступлении страхового случая в соответствии с условиями страхового договора)life insurer — страховщик, специализирующийся на страховании жизни; страховщик жизни
property insurer — страховщик имущества; страховщик, специализирующийся на страховании имущества
accident insurer — страховщик, специализирующийся на страховании от несчастных случаев
health insurer — страховщик здоровья; страховщик, специализирующийся на страховании здоровья
export credit insurer — страховщик экспортных кредитов; страховщик, специализирующийся на страховании экспортных кредитов
motor insurance — автостраховщик, страховщик автотранспортных средств
largest [biggest\] mortgage insurer — крупнейший ипотечный страховщик
Syn:See:admitted insurer, assuming insurer, bureau insurer, captive insurer, ceding insurer, coinsurer, composite insurer, cooperative insurer, direct insurer, excess and surplus insurer, excess and surplus lines insurer, excess line insurer, excess lines insurer, following insurer, fronting insurer, high-risk automobile insurer, lead insurer, leading insurer, monoline insurer, mortgage insurer, multiline insurer, multiple line insurer, mutual insurer, niche insurer, non-admitted insurer, non-bureau insurer, reciprocal insurer, self-insurer, stock insurer, surplus line insurer, surplus lines insurer, insurance company, coinsurer, reinsurer, direct writer, Alliance of American Insurers, Association of British Insurers, International Union of Aviation Insurers, International Union of Credit and Investment Insurers, National Association of Independent Insurers, Property Casualty Insurers Association of America, insure, insured, insurance
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страховщик: компания, специализирующаяся на страховании жизни, здоровья или имущества от различных видов рисков.* * ** * *Страховщик.. . Словарь терминов по риск-медеджменту .* * *физическое или юридическое лицо, принимающее на себя по договору страхования за определенное вознаграждение (страховая премия) обязательство возместить страхователю или другому лицу, в пользу которого заключено страхование, убытки, возникшие в результате наступления страховых случаев, обусловленных в договоре -
3 property treaty insurer
Страхование: облигатор по имуществуУниверсальный англо-русский словарь > property treaty insurer
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4 underwriter
сущ.сокр. UW, U/W1) фин. андеррайтер, гарант (размещения), поручитель (сторона, гарантирующая эмитенту продажу выпуска ценных бумаг; андеррайтер приобретает ценные бумаги у эмитента и перепродает их инвесторам; обычно в качестве андеррайтера выступает инвестиционный банк, биржевой брокер или синдикат нескольких банков или брокеров)See:co-underwriter, investment underwriter, managing underwriter, standby underwriter, stand-by underwriter, sub-underwriter, underwriting syndicate, underwriting price, underwriter's discount, agreement among underwriters, joint manager 2)2)а) страх. андеррайтер (ответственное лицо страховщика, уполномоченное выполнять необходимые процедуры по рассмотрению предложений и принятию рисков на страхование (перестрахование); оценивает риск, определяет цену и прочие условия страхования, оформляет страховые полисы)See:Chartered Life Underwriter, Chartered Property Casualty Underwriter, teleunderwriter, tele-underwriter, Registered Health Underwriter, American College of Life Underwriters, National Association of Health Underwriters, American Institute for Chartered Property Casualty Underwriters, underwriting departmentб) страх. страховщик, андеррайтер; страховая компания (лицо, принимающее риск на страхование)life insurance underwriter, underwriter of life insurance — страховщик жизни; страховая компания, специализирующаяся на страховании жизни; андеррайтер по страхованию жизни
property insurance underwriter, underwriter of property insurance — страховщик имущества; страховая компания, специализирующаяся на страховании имущества; андеррайтер по страхованию имущества
Syn:See:active underwriter, following underwriter, leading underwriter, Lloyd's underwriter, niche underwriter, American Institute of Marine Underwriters, Inland Marine Underwriters Association, Institute of London Underwriters, United States Aviation Underwriters, insurance, underwriting, underwrite
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abbrev.: UW underwriter андеррайтер: 1) гарант размещения ценных бумаг (на определенную часть займа); покупает ценные бумаги от своего имени или действует как посредник для размещения бумаг среди конечных инвесторов; см. stand-by underwriter; 2) тот, кто принимает на себя страховой риск; 3) сотрудник страховой фирмы, который оценивает риски и определяет условия страхового полиса.* * *андеррайтер; гарант покупки и размещения выпуска; гарант размещения выпуска; страховщик. . Словарь экономических терминов .* * *1. страховщиксм. insurer2. андеррайтерлицо, уполномоченное компанией страховой (перестраховочной) или синдикатом «Ллойда» принимать на страхование (перестрахование) риски-----финансовый институт, как правило, эмиссионный дом или торговый банк, который гарантирует приобретение части непроданных акций при публичном размещении нового выпуска -
5 credit
1. n1) кредит2) бухг. кредит, правая сторона счета3) аккредитив4) доверие
- acceptance credit
- accommodation credit
- adjustment credit
- agricultural credit
- assignment credit
- averaged rate credit
- back-to-back credit
- bank credit
- banker's credit
- banking credit
- blank credit
- blocked credit
- book credit
- bridging credit
- broker's credit
- budgetary credit
- buyer's credit
- cash credit
- cheap credit
- clean credit
- clearing credit
- collateral credit
- collateralized credit
- commercial credit
- commercial bank credit
- commercial documentary credit
- commercial paper credit
- commodity credit
- company credit
- consumer credit
- consortium credit
- countervailing credit
- convenience credit
- conversion credit
- currency credit
- current account credit
- deferred credit
- direct credit
- directed credit
- disabled access credit
- discount credit
- documentary credit
- dollar credit
- draft credit
- drawing credit
- earmarked credit
- evergreen credit
- export credit
- exporter's credit
- export promotion credit
- extended credit
- external credit
- external trade credit
- farm credit
- financial credit
- fixed credit
- foreign currency credit
- frame credit
- frozen credit
- goods credit
- government credit
- guaranteed credit
- illicit credit
- impaired credit
- import credit
- importer's credit
- import promotion credit
- individual credit
- industrial credit
- installment credit
- insurer's credit
- intercompany credit
- interest-free credit
- interfirm credit
- intergovernmental credit
- interim credit
- intermediate-term credit
- international credit
- interstate credit
- investment credit
- irrevocable credit
- leasing credit
- limited credit
- lombard credit
- long credit
- long-term credit
- low-interest credit
- margin credit
- marginal credit
- maximum credit
- medium-term credit
- mercantile credit
- mixed credit
- monetary credit
- mortgage credit
- mutual credit
- noninstallment credit
- noninterest bearing credit
- nonrefundable credit
- on-call credit
- open credit
- open-end credit
- open account credit
- overdue credit
- overnight credit
- packing credit
- paper credit
- personal credit
- preferential credit
- public credit
- real estate credit
- reciprocal credits
- rediscount credit
- refinance credit
- rehabilitation import credit
- reimbursement credit
- rescheduled credit
- reserve credit
- retail credit
- revocable credit
- revolving credit
- rollover credit
- rural credit
- secondary credit
- second mortgage credit
- secured credit
- self-liquidating credit
- shaky credit
- short credit
- short-term credit
- sight credit
- social credit
- soft credit
- sovereign credit
- spot credit
- stabilization credit
- standby credit
- starting credit
- state credit
- state-guaranteed credit
- sterling credit
- store credit
- supermarginal credit
- supplier's credit
- swing credit
- syndicate credit
- syndicated bank credit
- tax credit
- temporary credit
- term credit
- tied credit
- tight credit
- total credit
- trade credit
- uncommitted credit
- uncovered credit
- unlimited credit
- unsecured credit
- untied credit
- unused credit
- used credit
- usurer's credit
- working credit
- credit against goods
- credit against securities
- credit against shipped goods
- credit at the bank
- credit for dependents
- credit for inventories
- credit in foreign currency
- credit in kind
- credit on consumer goods
- credit on easy terms
- credit on favourable terms
- credit on goods
- credit on landed property
- credit of leased equipment
- credit on mortgage
- credit on property
- credit on real estate
- credit on real property
- credit on securities
- credit with the bank
- credit backed by commercial paper
- credit extended under an intergovernmental agreement
- credit guaranteed by the government
- against credit
- on credit
- under credit
- advance a credit
- allot credits
- allow a credit
- apply for a credit
- arrange a credit
- block a credit
- buy on credit
- call in a credit
- cancel a credit
- clear the credit
- draw a credit
- establish a credit
- exceed the credit
- extend a credit
- freeze a credit
- furnish a credit
- get a credit
- give a credit
- give on credit
- grant a credit
- guarantee a credit
- lend a credit
- lodge a credit
- obtain a credit
- open a credit
- procure bank credit
- prolong a credit
- provide a credit
- receive a credit
- redeem a credit
- refuse credit
- reimburse a credit
- reject credit
- renew a credit
- repay a credit
- resume a credit
- sell on credit
- supply a credit
- suspend credit
- take on credit
- tighten credit
- use a credit
- utilize a credit
- withdraw a credit2. vкредитовать счет; записать (сумму) в кредит счета
- credit an account with an amount
- credit an amount to an account
- credit and debitEnglish-russian dctionary of contemporary Economics > credit
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6 credit
1.кредитовать счет; записать (сумму) в кредит счета, провести по кредиту2.1) кредит2) бухг. кредит, правая сторона счета3) аккредитив4) доверие• -
7 insurance premium
страх. страховая премия, страховой взнос (сумма, выплачиваемая владельцем полиса страховщику за принятие страховщиком на страхование определенного риска, т. е. плата за страхование; обычно страховые премии выплачиваются регулярно в течение всего срока действия полиса, но некоторые полисы предусматривают внесение страховых премий крупным единовременным платежом или регулярное внесение страховых премий в течение только ограниченной части срока действия полиса)ATTRIBUTES: adjustable, base 3., direct 1. 3), earned 1. 1), fixed 1. 4), flexible 1. 2) б), gross 1. 3), а initial 1. 2) б), level 2. 3) б), lump sum, net 3., n1а outstanding 1. 3), periodic 1. 1), regular 1. 2) б), n2 subject 1. 2) б), n2 underlying 1. 2) б), n2 variable 1. 2) б), n2 written 1. 4), б
annual [yearly\] (insurance) premium — ежегодная (страховая) премия
monthly [biweekly, weekly\] (insurance) premium — ежемесячная [двухнедельная, еженедельная\] (страховая) премия
employer-paid insurance premiums — страховые премии, уплаченные работодателем
employee-paid insurance premiums — страховые премии, уплаченные работником
COMBS:
life insurance premiums, life premiums — премии по страхованию жизни
non-life insurance premiums, non-life premiums — премии по страхованию иному, чем страхование жизни; премии по страхованию "не жизни"
health insurance premiums, health premiums — премии по страхованию здоровья
liability insurance premiums, liability premiums — премии по страхованию ответственности
disability insurance premiums, disability premiums — премии по страхованию от [на случай\] нетрудоспособности
property insurance premiums, property premiums — премии по страхованию имущества
insurance premium payment — уплата [выплата\] страховой премии
Mortgage insurance premium payments are made once per year. — Выплаты премий по ипотечному страхованию осуществляются раз в год.
insurance premium of $1000, $1000 insurance premium — страховая премия в размере 1000 долл.
to finance ( insurance) premiums — финансировать (страховые) премии
to waive ( insurance) premiums — освобождать от (уплаты) (страховых) премий*
to write ( insurance) premiums — подписывать (страховые) премии*; страховать*, принимать на страхование*, осуществлять страхование*
to raise [to increase\] (insurance) premiums — увеличивать (страховые) премии
to reduce [to decrease, to cut\] (insurance) premiums — уменьшать [урезать\] (страховые) премии
(insurance) premiums go up — (страховые) премии растут
(insurance) premiums go down — (страховые) премии снижаются [уменьшаются\]
to calculate ( insurance) premiums — рассчитывать (страховые) премии
Syn:premium 1. 2)See:adjustable premium, advance premium, annual premium, annuity premium, base premium, beneficiary premium, deposit premium, direct premiums, earned premium, financed insurance premium, financed premium, fixed premium, flexible premium, graded premium, gross premium, in-force premiums, initial premium, level premium, lump sum premium, modified premium, mortgage insurance premium, net premium, net retained premiums, new business premiums, outstanding premiums, periodic premium, premium earned, premiums in force, premium written, regular premium, reinsurance premium, renewal premium, retained premiums, retrospective premium, return premium, single premium, subject premium, surplus line premium, surplus lines premium, underlying premium, unearned premium, valuation premium, vanishing premium, variable premium, written premium, yearly premium, insurer, insured, insurance policy, overall premium limit, premium audit, premium auditor, premium bordereau, premium conversion, premium discount, premium financing, premium holiday, premium income б), premium loan, premium notice, premium only plan, premium rate 1) б), premium receipt, premium refund, premium subsidy, premium tax, premium trust fund, return of premium, waiver of premium, days of grace б), nonforfeiture option, insurance tariff, insurance score, experience rating, merit rating 1) б), prospective rating, retrospective rating, rated policy, limited payment life insurance, continuous-premium whole life, paid-up insurance, accelerated option, backdating 1) в), age setback, agency bill 1) б), direct bill, policy fee, actuarial calculations, premium-to-surplus ratio
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страховая премия: сумма, выплачиваемая ежегодно или ежемесячно владельцем полиса (страхователем) страховой компании за покрытие убытков в случае наступления страхового случая.* * *СТРАХОВОЙ ВЗНОС; страховая премия. сумма, уплачиваемая страховщику страхователем, за принятое страховщиком обязательство возместить потери при наступлении страхового случая. Иногда С.в. называется страховой премией, или страховым платежом. С.в. исчисляется из размера страховой суммы и установленных страховых тарифов и уплачивается либо сразу за весь срок страхования, либо периодически. . Словарь экономических терминов 1 .* * *фиксированная выплата, независимо от размера полиса, доставляемая в каждой премии для покрытия расходов по сбору премийприменяется в зарубежной практике как название выплат преимущественно по личному страхованиюприменяемое в международной практике название взноса страхового (страхового платежа)вознаграждение, выплачиваемое страхователем страховщику за принятие последним на себя обязательства возместить страхователю или правопреемнику по полису в пределах обусловленных лимитов суммы возможных потерь, вызванных опасностями, покрытыми по договору страхования5. суммасумма, оплачиваемая страхователем страховщику за принятое последним обязательство возместить материальный ущерб, причиненный застрахованному имуществу, или выплатить страховую сумму при наступлении определенных событий в жизни застрахованного -
8 policy
I сущ.общ. политика, курс, стратегия [методика, линия\] поведения [действия\] (совокупность принципов, направлений и способов деятельности в определенной области)policy of neutrality, neutrality policy — политика нейтралитета
policy of appeasement, appeasement policy — политика умиротворения
near-optimal policy — политика, близкая к оптимальной
short-sighted [myopic\] policy — недальновидная [близорукая\] политика
subtle policy — тонкая [умная\] политика
prudent policy — разумная [предусмотрительная\] политика
cautious policy — осторожная [осмотрительная\] политика
clear-cut [clear\] policy — четкая [ясная\] политика
rigid policy — твердая [жесткая\] политика
sound [wise\] policy — здравая [мудрая\] политика
long-run [long-range\] policy — долгосрочная политика, политика дальнего прицела
consistent policy — последовательная [неизменная\] политика
deliberate policy — обдуманная [взвешенная\] политика
moderate policy — умеренная [сдержанная\] политика
to carry out [to conduct, to operate\] a policy — проводить политику
to implement a policy — осуществлять [проводить\] политику
to effect a policy — осуществлять [реализовать\] политику
to set [to set down\] a policy — устанавливать политику
to form [shape\] a policy — вырабатывать политику
to reverse a policy — резко [круто\] изменить политику
to adhere to [to follow, to pursue\] a policy — следовать политике, придерживаться политики, проводить политику
to ease [to relax\] policy — ослаблять [смягчать\] политику
easing [relaxation, ease\] of policy — ослабление [смягчение\] политики
policy tool — средство проведения политики, орудие [инструмент\] политики
policy manual — руководство, инструкция
policy objective — цель [задача\] политики
two-track [twin\] policy — двойственная политика
government policy on wages [wages policy\] — государственная политика в области оплаты труда
information policy — информационная политика, политика в области информации
language policy — языковая политика, политика в области [в отношении\] языка
export policy — экспортная политика, политика в области экспорта
import policy — импортная политика, политика в области импорта
education policy, educational policy — образовательная политика, политика в области образования
science policy — научная политика, политика в области науки
fishery policy, fisheries policy — политика рыболовства, политика в области рыболовства, рыболовная политика
privacy policy — политика конфиденциальности, политика (в отношении) конфиденциальности личной [частной\] информации
Our policy is to submit all contracts to the legal department. — Мы придерживаемся политики предоставления всех контрактов на изучение в юридический отдел.
It is not the normal policy of the council to give grants for more than three years. — Выдавать гранты более чем на три года не в правилах совета.
The government made a policy statement [a statement of policy\]. — Правительство сделало программное заявление.
for reasons of policy — по политическим соображениям, по соображениям политики
The first step in ensuring your computer security is up to scratch is to write a security policy. — Первый шаг на пути обеспечения поддержания вашей компьютерной безопасности на должном уровне — разработка политики безопасности.
See:agricultural policy, anti-inflationary policy, antitrust policy, beggar-thy-neighbour policy, benign neglect policy, budgetary policy, business policy, commercial policy 1), competition policy, consumer policy, corporate social policy, countercyclical policy, credit policy, currency policy, customs policy, demographic policy, discount policy, economic policy, employment policy, environmental policy, exchange policy, exchange rate policy, fiscal policy, foreign policy, foreign exchange policy ! foreign trade policy, good neighbour policy, home policy, incomes policy, industrial policy, inflationary policy, investment policy, monetary policy, open-door policy, open market policy, organizational policy, policy of continuity, policy of drift, policy of obstruction, population policy, procurement policy, social policy, stocking policy, tax policy, trade policy, wages policy, wholesale policy, policy committee, policy departure, policy economics, policy maker, policymaker, policy reversal, politics, technique, procedureII сущ.страх. (страховой) полис (документ, который выдается страховщиком страхователю в подтверждение заключения договора страхования; содержит условия страхования; служит юридическим доказательством заключения договора страхования)to issue [write up, write\] a policy — выдавать [выписывать\] полис
to take out a policy — получить [приобрести\] полис, застраховаться
to effect a policy — застраховаться, приобрести полис
to carry a policy — иметь (страховой) полис, быть застрахованным
to purchase [to buy\] a policy — покупать полис
to obtain [get\] a policy — приобрести полис
to terminate a policy — прекратить действие полиса, аннулировать полис
termination of a policy — прекращение действия [аннулирование\] полиса
to void a policy — признавать полис недействительным, аннулировать полис
to keep a policy in force — поддерживать полис в силе, сохранять действие полиса
This policy covers the cost of injury or damage caused by another driver who is not insured. — Этот полис покрывает [страхует, распространяется на\] расходы, связанные с травмой или ущербом, причиненным незастрахованным водителем. [Этот полис предоставляет страховую защиту от расходов, связанных с травмой или ущербом, причиненным незастрахованным водителем.\]
This portion of the policy covers you in the event a claim or lawsuit is brought against you for bodily injury or property damage as the result of an accident or event occurring on your property. — Эта часть полиса предоставляет вам страховую защиту в случае [страхует вас на случай\] подачи жалобы или иска против вас в связи с нанесением телесных повреждений или имущественного ущерба в результате несчастного случая или иного события, произошедшего на территории вашего владения.
to be covered by a policy — покрываться [охватывается, страховаться\] полисом
$500000 insurance policy, insurance policy of $500000 — страховой полис на сумму $500000
policy amount, amount of a policy — сумма полиса
a policy expires, a policy lapses, a policy matures — срок действия полиса истекает
expired [lapsed, matured\] policy — истекший [прекративший действие\] полис
policy endorsement, endorsement to a policy, policy rider, rider to a policy — приложение [дополнение\] к полису
Syn:See:cargo policy, commercial policy 2), tenant's policy, accident policy, annual policy, annuity policy, assessable policy, automobile liability policy, blanket policy, business auto policy, business owners policy, cancellable policy, claims-made policy, combination policy, commercial package policy, convertible policy, dental policy, endowment policy, equity-linked policy, fire policy, floating policy, general liability policy, group policy, homeowner's policy, individual policy, joint policy, life insurance policy, long-term policy, master policy, non-assessable policy, noncancellable policy, non-participating policy, non-qualifying policy, non-tax-qualified policy, occurrence policy, open policy, package policy, paid-up policy, participating policy, partnership policy, personal auto policy, professional liability policy, rated policy, qualifying policy, renewable policy, single premium policy, short-term policy, surplus lines policy, survivorship policy, tax-qualified policy, unit-linked policy, valued policy, certificate of insurance, insurance contract, cover note, policyholder, insurance, assurance, insurance identification card, insurer, insured, insurance money, insured event, insured loss, insurance claim, insurance period, insurance premium, declarations section, coverage part, exclusion, rider
* * *
страховой полис; = insurance policy.* * *. . Словарь экономических терминов .* * *см. agreement -
9 premium
1. сущ.сокр. prem1) общ. награда, вознаграждение, премия (что-л. предоставляемое в качестве стимула в каком-л. проекте, какой-л. системе и пр.)consumer premium — подарок [премия\] потребителю*
The program will award points to consumers for each brewery visit during the week, allowing them to earn premiums such as beer mugs and logo shirts.
Mortgage brokers, who match borrowers with lenders, can earn premiums by steering borrowers to higher-rate loans.
They claim that lenders on the higher-than-market rate loans will pay a premium to the mortgage broker and that those payments will be used to pay the fees associated with the low-interest loans.
See:bonus 1), 2) advertising premium, consumer premium, container premium, employment premium, fast food premium, free-in-the-mail premium, in-pack premium, mail-in premium, on-pack premium, referral premium, reverse premium, self-liquidating premium, service release premium, with-pack premium, yield spread premium, premium bond 2), premium buyer 1), premium campaign, premium container, premium coupon, premium merchandise 1), premium offer, premium pack, premium product 2), premium service 1) а)2) страх. = insurance premiumATTRIBUTES: adjustable, assumed 3) а), base 3. 3) а), direct 1. 3) а), earned 1. 1) а), fixed 1. 4) а), flexible 1. 2) б), gross 1. 3) а), а initial 1. 2) б), level 2. 3) б), lump sum, net 3. 3) а), n1а outstanding 1. 3) а), periodic 1. 1) а), regular 1. 2) б), n2 subject 1. 2) б), n2 underlying 1. 2) б), n2 variable 1. 2) б), n2 written 1. 4) а), б
annual [yearly\] premium — ежегодная премия
monthly [biweekly, weekly\] premium — ежемесячная [двухнедельная, еженедельная\] премия
annual [monthly, weekly\] premium insurance — страхование с ежегодной [ежемесячной, еженедельной\] уплатой премий [премии\]
annual premium policy — полис с ежегодной уплатой премий [премии\]
ATTRIBUTES:
paid premium — уплаченная [выплаченная\] премия
The refund of paid premium is based on the insured's age at death and is decreased by any benefits paid under the plan.
Company-paid premiums are deductible by the employer as an ordinary and necessary business expense. — Уплаченные компанией премии подлежат вычету работодателем как обычные и необходимые деловые расходы.
For federal tax purposes the employer-paid premiums are taxed as additional earned income for the employee. — Для целей федерального налогообложения, уплаченные работодателем премии облагаются налогом как дополнительный заработанный доход работника.
Employee-paid premiums for health insurance vary by salary. — Размер уплачиваемых работником премий по страхованию здоровья меняется в зависимости от размера оклада.
We can recover overpaid premiums for the last three policy years.
unpaid premium — неуплаченная [невыплаченная\] премия
The late charge formula is the unpaid premium amount multiplied by four percent.
COMBS:
life insurance premiums, life premiums — премии по страхованию жизни
non-life insurance premiums, non-life premiums — премии по страхованию иному, чем страхование жизни; премии по страхованию "не жизни"
health insurance premiums, health premiums — премии по страхованию здоровья
liability insurance premiums, liability premiums — премии по страхованию ответственности
disability insurance premiums, disability premiums — премии по страхованию от [на случай\] нетрудоспособности
property insurance premiums, property premiums — премии по страхованию имущества
premium payment — уплата [выплата\] премии; премиальный платеж
Mortgage insurance premium payments are made once per year. — Выплаты премий по ипотечному страхованию осуществляются раз в год.
premium of $1000, $1000 premium — премия [надбавка\] в размере 1000 долл.
Our commercial premium finance program allows you to finance premiums from $0 to $200000 or more.
The policies in question have a waiver of premium benefit, whereby the insurer would waive premiums during any period in which the policyholder is disabled.
We cede premiums and losses to reinsurers under quota share reinsurance agreements. — Мы передаем премии и убытки перестраховщиками на основании договоров квотного перестрахования.
Also, under our quota share assumed reinsurance contracts, we will continue to assume premiums through the third quarter of 2006. — Также, на основании принятых договоров квотного перестрахования, мы будем продолжать принимать премии на протяжении третьего квартала 2006 г.
to write premiums — подписывать премии*; страховать*, принимать на страхование*, осуществлять страхование*
In general, for insurers to write premiums in California, they must be admitted by the Insurance Commissioner. — В общем, для того, чтобы страховщики смогли осуществлять страховую деятельность в Калифорнии, они должны получить разрешение уполномоченного по страхованию.
The company is licensed to write insurance business in all 50 states, has specialty lines in risk insurance for architects and lawyers and is expected to write premiums of $75 million this year. — Компания имеет лицензию на осуществление страховой деятельности во все 50 штатах, предлагает специальные разновидности страхования рисков для архитекторов и юристов и, как ожидается, подпишет в этом году премий на сумму 75 млн долл.
Moreover, an insurance company that earns premiums between $300,000 and $1,000,000 is taxed at a reduced rate.
If you want to pay premiums for a limited time, the limited payment whole life policy gives you lifetime protection but requires only a limited number of premium payments.
to raise [to increase\] premiums — увеличивать премии
to reduce [to decrease, to cut\] premiums — уменьшать премии
premiums go down — премии снижаются [уменьшаются\]
See:adjustable premium, advance premium, annual premium, annuity premium, base premium, beneficiary premium, deposit premium, direct premiums, earned premium, financed insurance premium, financed premium, fixed premium, flexible premium, graded premium, gross premium, in-force premiums, initial premium, level premium, lump sum premium, modified premium, mortgage insurance premium, net premium, net retained premiums, new business premiums, outstanding premiums, periodic premium, premium earned, premiums in force, premium written, regular premium, reinsurance premium, renewal premium, retained premiums, retrospective premium, return premium, single premium, subject premium, surplus line premium, surplus lines premium, underlying premium, unearned premium, valuation premium, vanishing premium, variable premium, written premium, yearly premium, overall premium limit, premium audit, premium auditor, premium base, premium bordereau, premium conversion, premium discount, premium financing, premium holiday, premium income б), premium loan, premium notice, premium rate 1) б), premium receipt, premium refund, premium subsidy, premium tax, premium trust fund, return of premium, waiver of premium, continuous-premium whole life, premium only plan, premium-to-surplus ratio3)а) торг. премия; наценка, надбавка ( сумма или процент сверх стандартной цены товара или услуги)to fetch a premium [a premium price\] — продаваться с надбавкой [с премией\]
Premium products generally fetch a premium price. — Премиальные товары обычно продаются с надбавкой [с премией\].
to command a premium [a premium price\] — продаваться с надбавкой [с премией\], продаваться по премиальной цене
Some products command a premium price in the marketplace simply because they are considered to be higher in quality. — Некоторые товары продаются на рынке по премиальной цене просто из-за того, что они считаются товарами более высокого качества.
to command a premium — содержать надбавку [премию\]* (о ценах, ставках)
As long as there is a threat of war in the Middle Eastern oil fields, oil prices will command a premium. — До тех пор, пока существует угроза войны на территории средневосточных нефтяных месторождений, цены на нефть будут содержать надбавку.
to attract a premium/a premium price/a premium rate — продаваться с премией [надбавкой\], стоить дороже; оплачиваться с надбавкой [с премией\]*
Because of their locations these houses attract a premium. — Благодаря своему расположению эти дома стоят дороже.
Therefore, when we buy your diamond, we can pay a premium over the current market price.
For which services are customers willing to pay a premium when flying with a low-fare airline?
Ant:call option premium, call premium 2), put option premium, put premium, premium deal, premium income а) contingent premium option, deferred premium optionSee:б) фин. премия (сумма, на которую цена размещения или текущая рыночная цена ценной бумаги больше ее номинала)ATTRIBUTES: amortizable б)
COMBS:
$20-a-share premium — премия в размере $20 на (одну) акцию
H-P will buy 1,2 million Convex shares at $14.875 a share, representing a 1,25-a-share premium over the price of Convex stock. — "H-P" купит 1,2 млн акций компании "Конвекс" по цене 14,875 долл. за штуку, что означает уплату премии в размере 1,25 долл. на акцию сверх цены акций "Конвекса".
COMBS:
premium over [to\] market price — премия к рыночной цене, премия сверх рыночной цены
premium over [to\] issue price — премия к эмиссионной цене, премия сверх эмиссионной цены
premium payment — уплата [выплата\] премии; премиальный платеж
Mortgage insurance premium payments are made once per year. — Выплаты премий по ипотечному страхованию осуществляются раз в год.
premium of $1000, $1000 premium — премия [надбавка\] в размере 1000 долл.
10% premium, premium of 10% — премия [надбавка\] в размере 10%
The shares jumped to a 70 per cent premium on the first day.
Of all the common bond-tax errors, the most surprising to me is neglecting to amortize premiums paid on taxable bonds.
For premium securities, we project the excess coupon. payments using our prepayment assumption.
Ant:call option premium, call premium 2), put option premium, put premium, premium deal, premium income а) contingent premium option, deferred premium optionSee:amortized premium, bond premium, call premium 1), debt premium 1) а), market premium 1) а), original issue premium, premium on capital stock, premium on share, premium on stock, price premium 1) б), redemption premium, share premium, tender offer premium, unamortized premium, amortization of premium, premium bond 1), premium price 1) б), premium raid, issue price, market price, face value а) at a premium 1) а)в) фин. премия (при оценке стоимости предприятия или крупных пакетов акций: разница, на которую фактически согласованная цена предприятия/пакета акций больше базовой рыночной цены)See:г) эк. премия; надбавка (сумма, на которую цена товара, услуги или ценной бумаги превышает цену сходного товара, услуги или ценной бумаги)Currently, US small caps are trading at a 15.7 per cent premium to large caps. — В настоящее время, акции американских компаний с маленькой капитализацией по сравнению с акциями компаний с большой капитализацией торгуются с премией в размере 15,7%.
Platinum usually trades at a premium to gold. — Платина обычно продается по более высокой цене, чем золото.
See:at a premium 1)д) фин. ажио (превышение стоимости золотых или серебряных денег по сравнению с бумажными деньгами)Syn:agio в)See:е) эк. премия; надбавка (в самом общем смысле: дополнительная сумма, на которую увеличена базовая стоимость или другая базовая величина)перен. to put [place\] a premium on (smth.) — считать (что-л.) исключительно важным [ценным\], придавать (чему-л.) большое значение
He put a premium on peace and stability. — Он считает исключительно важным поддержание мира и стабильности.
Employers today put a premium on reasoning skills and willingness to learn. — В наше время работодатели придают большое значение умению рассуждать и готовности учиться.
Ant:call option premium, call premium 2), put option premium, put premium, premium deal, premium income а) contingent premium option, deferred premium optionSee:conversion premium, forward premium, inflation premium, investment currency premium, liquidity premium 2), 3), mortgage indemnity guarantee premium, mortgage indemnity premium, premium over conversion value, revenue premium, risk premium, time premium, union premium, union wage premium, warrant premium, yield premium, premium rate 1) а) at a premium 2), Canada Premium Bond, high-premium convertible debenture4) эк. тр. премия, (премиальная) надбавка (дополнительное вознаграждение, выплачиваемое в дополнение к заработной плате в качестве поощрения за хорошую работу, работу в сверхурочные и т. п.)COMBS:
premiums for work outside basic workday or workweek — премии за работу сверх базового рабочего дня или рабочей недели
premium payment — уплата [выплата\] премии; премиальный платеж
premium of $1000, $1000 premium — премия [надбавка\] в размере 1000 долл.
to attract a premium/a premium rate — оплачиваться с надбавкой [с премией\]*
In many industries work on Saturday or Sunday will attract a premium on the ordinary hourly rate. — Во многих отраслях работа в субботу или воскресенье предусматривает выплату надбавки сверх обычной часовой ставки.
Neither federal law nor state law requires local government employers to give employees paid holidays or to pay a premium when employees must work on what would otherwise be a holiday.
Syn:bonus 3)See:expatriate premium, foreign service premium, holiday premium, incentive premium, mobility premium, on-call premium, overtime premium, shift premium, Halsey premium plan, premium pay, premium rate 1) а)5) фин. = option premiumInvestors willing to buy stock at certain prices might consider selling puts to earn premiums, while those willing to sell shares at certain prices might think about selling calls.
When you purchase an option, you pay a premium. — Покупая опцион, вы уплачиваете премию.
See:call option premium, call premium 2), put option premium, put premium, premium deal, premium income а) contingent premium option, deferred premium option2. прил.1) общ. первосортный, высшего качества [сорта\], исключительный, премиальныйpremium product — премиальный товар, товар высшего сорта
premium card — первоклассная [приоритетная, премиальная\] карта [карточка\]*
premium space — привилегированное [премиальное\] место*
premium advertising — премиальная [первосортная, элитная\] реклама*
premium customer — премиальный клиент [покупатель\]*
premium quality — премиальное [высшее\] качество; премиальный [высший\] сорт
premium grade — премиальный [высший\] сорт
See:premium advertising, premium buyer 2), premium card, premium customer, premium grade, premium merchandise 2), premium position, premium product 1), premium quality, premium service 1) б), premium space, quality 2., inferior 2., n32) эк. премиальный, с премией, с надбавкой (о ценах, ставках выше обычного уровня)premium price — цена с надбавкой, цена с премией, премиальная цена
See:
* * *
premium; PM; Prem премия, маржа: 1) премия (надбавка) к цене, курсу: разница между более высокой текущей (рыночной) и номинальной ценами финансового актива (напр., облигации); см. discount; 2) разница между более высоким срочным (форвардным) и наличным валютными курсами, т. е. валюта на срок продается с премией; 3) ажио: более высокая стоимость золотых или бумажных денег по отношению к бумажным деньгам; 4) цена опциона: сумма, уплачиваемая за получение права продать или купить финансовый инструмент; 5) = insurance premium; 6) платеж по рентному контракту; 7) = call premium; 8) льгота, призванная привлечь вкладчиков или заемщиков, а также покупателей товаров и услуг (напр., повышенная процентная ставка, скидки с цен и др.); 9) надбавка к рыночной цене, которую иногда приходится уплачивать при заимствованиях ценных бумаг для их поставки по "короткой" продаже; 10) разница в цене между данной ценной бумагой и сходными бумагами или индексом (напр., говорят: "бумага продается с премией к аналогичным бумагам"); 11) новая ценная бумага, продающаяся с премией; 12) надбавка к рыночной цене ценных бумаг в случае тендерного предложения; см. premium raid;* * *Финансы/Кредит/Валютаотклонение в сторону превышения рыночного курса денежных знаков и ценных бумаг от их нарицательной стоимости-----разница между рыночной ценой и ценой эмиссии акции или ценной бумаги; при начале операции с акциями нового выпуска говорится, что рыночная цена включает премию по отношению к цене эмиссии-----сумма, выплачиваемая держателем полиса для получения страховой суммы в нужный момент-----Банки/Банковские операциипремия, вознаграждение, надбавка -
10 security
n1) безопасность2) защита, охрана3) обеспечение, гарантия, залог (по ссуде, кредиту)5) поручитель6) обыкн. pl ценные бумаги
- acceptable security
- active securities
- additional security
- adequate security
- agio securities
- ample security
- approved securities
- asset-backed securities
- bearer securities
- bid security
- blue chip securities
- book-entry securities
- cabinet security
- cash security
- certified security
- collateral security
- convertible securities
- corporate securities
- corporate debt securities
- corporation securities
- credit security
- currency security
- dated security
- dated marketable security
- dead security
- debt security
- debtor's security
- defensive securities
- dematerialised security
- derivative security
- digested securities
- discount securities
- dividend-bearing securities
- dual currency security
- economic security
- eligible security
- equitable security
- equity securities
- exempt securities
- financial security
- first-class securities
- fixed income securities
- fixed interest securities
- fixed interest bearing securities
- fixed rate security
- fixed redemption value securities
- fixed yield securities
- floating securities
- foreign securities
- foreign currency securities
- foreign interest payment securities
- forward securities
- free security
- gilt-edged securities
- gold security
- government securities
- graduated securities
- high-grade securities
- high-yield securities
- home securities
- hybrid securities
- industrial securities
- insurer's security
- interest-bearing securities
- international securities
- investment securities
- investment grade securities
- investment trust securities
- irredeemable securities
- job security
- joint security
- listed securities
- loan security
- long securities
- margin securities
- marketable securities
- material security
- medium-dated securities
- mortgage security
- municipal securities
- negotiable securities
- nonmarketable securities
- non-negotiable securities
- off-board securities
- open-faced securities
- outstanding securities
- over-the-counter securities
- paperless security
- participation securities
- performance security
- personal security
- pledged securities
- primary securities
- property security
- public securities
- quoted securities
- real security
- redeemable securities
- registered securities
- regulated securities
- repackaged securities
- residual securities
- restricted securities
- risk-free securities
- seasoned securities
- senior securities
- shared security
- short-dated securities
- social security
- speculative securities
- state securities
- stock exchange securities
- sufficient security
- synthetic security
- tangible security
- tax-exempt securities
- tender security
- treasury securities
- trustee securities
- undated securities
- underlying security
- undigested securities
- unlisted securities
- unquoted securities
- valueless securities
- variable yield securities
- when-issued securities
- wildcat securities
- zero coupon convertible security
- security by mortgage
- security for a claim
- security for credit
- security for a debt
- security for a loan
- security for losses
- security for the payment of money
- security in the form of a bank guarantee
- security of employment
- security of payment
- security on property
- securities to bearer
- against security
- as a security
- on security
- without security
- securities bearing interest
- securities lodged as collateral
- become security
- borrow on security
- delist a security
- deposit securities in custody
- enforce a security
- enhance security
- ensure security
- furnish security
- give security
- give security for a bill
- guarantee security
- lend on security
- lodge securities with a bank
- pawn securities
- pledge securities
- present securities for payment
- provide security
- purchase securities on margin
- put up security
- rate securities
- retire securities
- serve as security
- stand security
- stand security for smb
- suspend a security
- withdraw securities from a depositEnglish-russian dctionary of contemporary Economics > security
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11 insurance claim
страх. страховое требование, страховая претензия (заявление о выплате страхового возмещения, направляемое страхователем страховщику в случае наступления страхового события)See:insurance claim administrator, insurance claims administrator, insurance claim agent, insurance claims agent, insurance claims broker, insurance claims consultant, insurance claim manager, insurance claims manager, insurance money, insured, insurer, insured event, insured loss, death claim 1), dental claim, medical claim, reinsurance claim, fraudulent claim, out-of-network claim, in-network claim, out-of-area claim, long-tail claims, incurred claims, reported claims, incurred but not reported, paid claims, outstanding claim, gross claims, net claims, open claim, closed claim, reopened claim, claims department, claims manager, claims administrator, claims handler, claim examiner, claims consultant, claims supervisor, claims agent, claims broker, claims representative, claims inspector, claims investigator, Associate in Claims, claims management, claims processing, claims administration, claims investigation, claims determination, claims adjustment, claims settlement, claims adjusting company, claims service provider, claims leader, claim duration, claims history, claim-free, no claims bonus, no claims certificate, claims equalisation reserve, claims reserve, outstanding claims reserve, claims expenses, claims experience, claims ratio, claims frequency, claims severity, claims bordereau, affidavit of claim, claims-made coverage, Xchanging Claims Services, Claims and Underwriting Exchange
* * *
страховое требование: требование к страховой компании выплатить страховое возмещение; страховая компания расследует (проверяет) такое требование на предмет жульничества или несоответствия полису и выплачивает причитающуюся сумму.* * *требование о выплате страхового возмещения; возмещение страховых убытков; страховой убыток; страховое возмещение; иск из страхования. . Словарь экономических терминов .* * * -
12 insure
гл.1) страх. страховать(ся), застраховывать(ся)to insure one's life [oneself\] — застраховать свою жизнь
to insure one's house [property\] against fire — застраховать свой дом [свое имущество\] от пожара
See:2) общ. обеспечивать, гарантироватьto insure (smb.) success — обеспечить (кому-л.) успех
See: -
13 risk
1. сущ.1) общ. риск, опасность (как ситуация, которая может привести к материальным убыткам или другим нежелательным последствиям)fire risk — риск пожара [возгорания\]; пожароопасность
risk to smb./smth. — риск для кого-л./чего-л.
at risk to smb./smth. — с риском для кого-л./для чего-л.
minimization of risk, risk minimization — минимизация риска
to mitigate risks — смягчать [ослаблять\] риски
avoidance of risk, risk avoidance — избежание риска
to limit the risk of (smth.) — ограничивать риск (чего-л.)
limited risk — ограниченный (какой-л. риск)
to increase the risk of (smth.) — увеличивать риск (чего-л.)
to run a [the\] risk, to run risks — рисковать
to put smb./smth. at risk — подвергать риску кого-л./что-л.
to incur a risk — подвергаться риску, рисковать
to face a risk — сталкиваться с риском, подвергаться риску
to take [to undertake\] a risk, to take [undertake\] risks — рисковать, идти на риск; брать [принимать\] на себя риск
to assume a risk — брать [принимать\] на себя риск
assumption of risk, risk assumption — принятие риска
to reject [to decline\] a risk — отказаться от риска, отказаться принять риск
to carry [to bear\] a risk — а) нести риск; подвергаться риску; б) нести риск, быть источником риска
Floodwaters can carry the risk of typhoid or other dangerous diseases. — Наводнение может нести риск распространения тифа или других опасных заболеваний.
All funds carry the risk of losing money — some more than others. — Все фонды рискуют потерять деньги — некоторые в большей степени, чем другие.
to underwrite risks — страховать риски, принимать риски на страхование
underwriting of risks, risk underwriting — андеррайтинг рисков
calculation of risk, risk calculation — расчет риска
to evaluate [to estimate\] risk — оценивать риск
risk evaluation [valuation\], evaluation [valuation\] of risk — оценка риска
to identify risk — идентифицировать [распознавать\] риск
to prioritize risks — приоритезировать риски, ранжировать риски по приоритету
to measure risk — измерять [оценивать\] риск
risk model, model of risk — модель риска
risk modelling, modelling of risk — моделирование риска
risk coverage, coverage of risk — покрытие риска
distribution of risk, risk distribution — распределение риска
to entail risk — быть связанным с риском, влечь за собой риск
Bonds also entail the risk of default, or the risk that an issuer will be unable to make income or principal payments. — Облигации также связаны с риском неплатежа, или риском, что эмитент будет неспособен выплачивать доходы по облигациям или погашать основную сумму облигаций.
risk disclosure, disclosure of risk — раскрытие информации о риске
to transfer risks — перекладывать [передавать\] риски
risk retention, retention of risk — удержание риска
risk sharing, sharing of risk — разделение риска
diversification of risk, risk diversification — диверсификация риска
admissible [allowed\] risk — допустимый риск
maximum [maximal\] risk — максимальный риск
minimal [minimum\] risk — минимальный риск
negligible risk — пренебрежимо малый риск, незначительный риск
degree of risk, risk degree — степень риска
level of risk, risk level — уровень риска
element of risk, risk element — элемент риска
source of risk, risk source — источник риска
It's not worth the risk. — Это не стоит риска.
See:accounting risk, amount at risk, at risk, at risk rules, basis risk, bond-yield-plus-risk-premium approach, Business Environment Risk Information Index, business risk, buyer's risk, call risk, capital risk, cash flow risk, collection risk, commercial credit risk, concentration risk, country risk, credit risk, currency risk, default risk, delivery risk, earnings-at-risk, event risk, exchange risk, exchange rate risk, export risk, financial credit risk, financial risk, high-risk automobile insurer, high-risk product, inflation risk, interest rate risk, investment risk, legal risk, liability risk, liquidity risk, margin risk, market risk, maturity risk, prepayment risk, price of risk, price risk, producer's risk, property risk, pure risk, regulatory risk, reinvestment rate risk, reinvestment risk, return on risk-adjusted capital, seasonal risk, settlement risk, speculative risk, stand-alone risk, systematic risk, transaction risk, underwriting risk, unlimited risk, unsystematic risk, value-at-risk, vega risk, yield curve risk, risk analysis, risk analyst, risk arbitrage, risk-averse, risk aversion, risk capital, risk investment, risk lover, risk management, risk manager, risk measure, risk-neutral, risk premium, price of risk, risk response planning, risk transfer, risk/return indifference curve, risk/return trade-off, risk-adjusted discount rate, risk-adjusted rate of return, risk-adjusted return, risk-adjusted return on capital, risk-adjusted return on risk-adjusted capital, risk-averse investor, risk-free, risk-free rate, risk-free return, riskless arbitrage, riskless transaction, risk-neutral investor, risk-seeking investor, risk-weighted assets2) общ. риск (как количественная мера вероятности наступления какого-л. неблагоприятного события)See:3) общ. объект риска ( о человеке или предмете)security risk — риск для безопасности, угроза безопасности (о человеке, объекте, действии или состоянии); неблагонадежный человек
See:4)а) страх. риск (событие, в отношении которого заключается договор страхования)Syn:See:insurable risk, covered risk, insured event, all risk insurance, builders risk insurance, war risk insurance, risk retention groupб) страх. застрахованное лицо; застрахованная вещь; риск (лицо или вещь, которые могут пострадать в результате какого-л. события и в отношении которых заключается договор страхования)See:assigned risk plan, preferred risk, standard risk, substandard risk, hard-to-place risk, highly protected risk5) мет. риск (ситуация, когда результат какого-л. экономического выбора имеет случайный характер, но при этом известно вероятностное распределение значений этого результата)See:2. гл.общ. рисковать (чем-л.)to risk one's life [one's health\] — рисковать жизнью [здоровьем\]
* * *
риск: вероятность понести убытки или упустить выгоду (вероятность наступления неблагоприятного события); количественно измеряемая неуверенность в получении соответствующего дохода или убытка; существует множество классификаций рисков: 1) капитальный риск - риск того, что невозврат кредитов ухудшит состояние капитала банка и ему придется выпускать новые акции; 2) кредитный риск, или риск погашения, - риск невозврата кредита, непогашения обязательства; 3) риск поставки - риск непоставки финансового инструмента (иностранной валюты); 4) валютный риск - риск потерь из-за изменения валютного курса; 5) процентный риск - риск уменьшения дохода по активу и роста расходов по обязательству из-за изменения процентных ставок; также риск уменьшения цены облигации с фиксированной ставкой в результате роста рыночных ставок; 6) риск ликвидности - риск нехватки наличности и краткосрочных активов для выполнения обязательств, невозможности быстро купить или продать товар или финансовый инструмент; 7) операционный риск - риск того, что будет нарушена работа операционных систем банка и он не сможет вовремя выполнять обязательства; 8) политический риск - риск того, что политическая нестабильность в стране приведет к невыполнению обязательств по кредитам (если государственных крдитов - "суверенный" риск); также риск национализации и др. неблаго-приятных действий властей; 9) риск платежной системы (системный риск) - риск того, что банкротство или неспособность крупного банка функционировать вызовет цепную реакцию в банковской системе; 10) актуарный риск - риск (вероятность) наступления неблагоприятного события, которое страховая компания покрывает в обмен на стразовую премию; 11) инфляционный риск - риск снижения стоимости активов или доходов в результате общего роста цен в стране; 12) инвентарный риск - риск обесценения запасов компании в результате снижения цен, морального старения товара; 13) риск основной суммы - риск обесценения основной суммы инвестиций; 14) риск андеррайтинга - риск - принимаемый на себя андеррайтером в случае неразмещения новых бумаг среди инвесторов; также риск падения рыночной цены в момент размещения; см. absorbable/ actuarial /basis /capital /commercial /concentration /contagion /country /credit /del credere /delivery /exchange /financial /inflation /insurable /interest rate /inventory /investment risk /limited /liquidity /manufacturing /market /market liquidity /operational /payments system /political /price /pure /refinance /reinvestment /repayment /settlement /sovereign /standard /systematic /systemic /transaction /translation /transfer /underwriting /uninsurable /unlimited /unsystematic /warehouse risk and risk of principal.* * *риск; клиент (страх.). измеримая вероятность потери; . exposure to uncertainty Глоссарий финансовых и биржевых терминов .* * *Финансы/Кредит/Валюта -
14 near cash
!гос. фин. The resource budget contains a separate control total for “near cash” expenditure, that is expenditure such as pay and current grants which impacts directly on the measure of the golden rule.This paper provides background information on the framework for the planning and control of public expenditure in the UK which has been operated since the 1998 Comprehensive Spending Review (CSR). It sets out the different classifications of spending for budgeting purposes and why these distinctions have been adopted. It discusses how the public expenditure framework is designed to ensure both sound public finances and an outcome-focused approach to public expenditure.The UK's public spending framework is based on several key principles:"consistency with a long-term, prudent and transparent regime for managing the public finances as a whole;" "the judgement of success by policy outcomes rather than resource inputs;" "strong incentives for departments and their partners in service delivery to plan over several years and plan together where appropriate so as to deliver better public services with greater cost effectiveness; and"the proper costing and management of capital assets to provide the right incentives for public investment.The Government sets policy to meet two firm fiscal rules:"the Golden Rule states that over the economic cycle, the Government will borrow only to invest and not to fund current spending; and"the Sustainable Investment Rule states that net public debt as a proportion of GDP will be held over the economic cycle at a stable and prudent level. Other things being equal, net debt will be maintained below 40 per cent of GDP over the economic cycle.Achievement of the fiscal rules is assessed by reference to the national accounts, which are produced by the Office for National Statistics, acting as an independent agency. The Government sets its spending envelope to comply with these fiscal rules.Departmental Expenditure Limits ( DEL) and Annually Managed Expenditure (AME)"Departmental Expenditure Limit ( DEL) spending, which is planned and controlled on a three year basis in Spending Reviews; and"Annually Managed Expenditure ( AME), which is expenditure which cannot reasonably be subject to firm, multi-year limits in the same way as DEL. AME includes social security benefits, local authority self-financed expenditure, debt interest, and payments to EU institutions.More information about DEL and AME is set out below.In Spending Reviews, firm DEL plans are set for departments for three years. To ensure consistency with the Government's fiscal rules departments are set separate resource (current) and capital budgets. The resource budget contains a separate control total for “near cash” expenditure, that is expenditure such as pay and current grants which impacts directly on the measure of the golden rule.To encourage departments to plan over the medium term departments may carry forward unspent DEL provision from one year into the next and, subject to the normal tests for tautness and realism of plans, may be drawn down in future years. This end-year flexibility also removes any incentive for departments to use up their provision as the year end approaches with less regard to value for money. For the full benefits of this flexibility and of three year plans to feed through into improved public service delivery, end-year flexibility and three year budgets should be cascaded from departments to executive agencies and other budget holders.Three year budgets and end-year flexibility give those managing public services the stability to plan their operations on a sensible time scale. Further, the system means that departments cannot seek to bid up funds each year (before 1997, three year plans were set and reviewed in annual Public Expenditure Surveys). So the credibility of medium-term plans has been enhanced at both central and departmental level.Departments have certainty over the budgetary allocation over the medium term and these multi-year DEL plans are strictly enforced. Departments are expected to prioritise competing pressures and fund these within their overall annual limits, as set in Spending Reviews. So the DEL system provides a strong incentive to control costs and maximise value for money.There is a small centrally held DEL Reserve. Support from the Reserve is available only for genuinely unforeseeable contingencies which departments cannot be expected to manage within their DEL.AME typically consists of programmes which are large, volatile and demand-led, and which therefore cannot reasonably be subject to firm multi-year limits. The biggest single element is social security spending. Other items include tax credits, Local Authority Self Financed Expenditure, Scottish Executive spending financed by non-domestic rates, and spending financed from the proceeds of the National Lottery.AME is reviewed twice a year as part of the Budget and Pre-Budget Report process reflecting the close integration of the tax and benefit system, which was enhanced by the introduction of tax credits.AME is not subject to the same three year expenditure limits as DEL, but is still part of the overall envelope for public expenditure. Affordability is taken into account when policy decisions affecting AME are made. The Government has committed itself not to take policy measures which are likely to have the effect of increasing social security or other elements of AME without taking steps to ensure that the effects of those decisions can be accommodated prudently within the Government's fiscal rules.Given an overall envelope for public spending, forecasts of AME affect the level of resources available for DEL spending. Cautious estimates and the AME margin are built in to these AME forecasts and reduce the risk of overspending on AME.Together, DEL plus AME sum to Total Managed Expenditure (TME). TME is a measure drawn from national accounts. It represents the current and capital spending of the public sector. The public sector is made up of central government, local government and public corporations.Resource and Capital Budgets are set in terms of accruals information. Accruals information measures resources as they are consumed rather than when the cash is paid. So for example the Resource Budget includes a charge for depreciation, a measure of the consumption or wearing out of capital assets."Non cash charges in budgets do not impact directly on the fiscal framework. That may be because the national accounts use a different way of measuring the same thing, for example in the case of the depreciation of departmental assets. Or it may be that the national accounts measure something different: for example, resource budgets include a cost of capital charge reflecting the opportunity cost of holding capital; the national accounts include debt interest."Within the Resource Budget DEL, departments have separate controls on:"Near cash spending, the sub set of Resource Budgets which impacts directly on the Golden Rule; and"The amount of their Resource Budget DEL that departments may spend on running themselves (e.g. paying most civil servants’ salaries) is limited by Administration Budgets, which are set in Spending Reviews. Administration Budgets are used to ensure that as much money as practicable is available for front line services and programmes. These budgets also help to drive efficiency improvements in departments’ own activities. Administration Budgets exclude the costs of frontline services delivered directly by departments.The Budget preceding a Spending Review sets an overall envelope for public spending that is consistent with the fiscal rules for the period covered by the Spending Review. In the Spending Review, the Budget AME forecast for year one of the Spending Review period is updated, and AME forecasts are made for the later years of the Spending Review period.The 1998 Comprehensive Spending Review ( CSR), which was published in July 1998, was a comprehensive review of departmental aims and objectives alongside a zero-based analysis of each spending programme to determine the best way of delivering the Government's objectives. The 1998 CSR allocated substantial additional resources to the Government's key priorities, particularly education and health, for the three year period from 1999-2000 to 2001-02.Delivering better public services does not just depend on how much money the Government spends, but also on how well it spends it. Therefore the 1998 CSR introduced Public Service Agreements (PSAs). Each major government department was given its own PSA setting out clear targets for achievements in terms of public service improvements.The 1998 CSR also introduced the DEL/ AME framework for the control of public spending, and made other framework changes. Building on the investment and reforms delivered by the 1998 CSR, successive spending reviews in 2000, 2002 and 2004 have:"provided significant increase in resources for the Government’s priorities, in particular health and education, and cross-cutting themes such as raising productivity; extending opportunity; and building strong and secure communities;" "enabled the Government significantly to increase investment in public assets and address the legacy of under investment from past decades. Departmental Investment Strategies were introduced in SR2000. As a result there has been a steady increase in public sector net investment from less than ¾ of a per cent of GDP in 1997-98 to 2¼ per cent of GDP in 2005-06, providing better infrastructure across public services;" "introduced further refinements to the performance management framework. PSA targets have been reduced in number over successive spending reviews from around 300 to 110 to give greater focus to the Government’s highest priorities. The targets have become increasingly outcome-focused to deliver further improvements in key areas of public service delivery across Government. They have also been refined in line with the conclusions of the Devolving Decision Making Review to provide a framework which encourages greater devolution and local flexibility. Technical Notes were introduced in SR2000 explaining how performance against each PSA target will be measured; and"not only allocated near cash spending to departments, but also – since SR2002 - set Resource DEL plans for non cash spending.To identify what further investments and reforms are needed to equip the UK for the global challenges of the decade ahead, on 19 July 2005 the Chief Secretary to the Treasury announced that the Government intends to launch a second Comprehensive Spending Review (CSR) reporting in 2007.A decade on from the first CSR, the 2007 CSR will represent a long-term and fundamental review of government expenditure. It will cover departmental allocations for 2008-09, 2009-10 and 2010 11. Allocations for 2007-08 will be held to the agreed figures already announced by the 2004 Spending Review. To provide a rigorous analytical framework for these departmental allocations, the Government will be taking forward a programme of preparatory work over 2006 involving:"an assessment of what the sustained increases in spending and reforms to public service delivery have achieved since the first CSR. The assessment will inform the setting of new objectives for the decade ahead;" "an examination of the key long-term trends and challenges that will shape the next decade – including demographic and socio-economic change, globalisation, climate and environmental change, global insecurity and technological change – together with an assessment of how public services will need to respond;" "to release the resources needed to address these challenges, and to continue to secure maximum value for money from public spending over the CSR period, a set of zero-based reviews of departments’ baseline expenditure to assess its effectiveness in delivering the Government’s long-term objectives; together with"further development of the efficiency programme, building on the cross cutting areas identified in the Gershon Review, to embed and extend ongoing efficiency savings into departmental expenditure planning.The 2007 CSR also offers the opportunity to continue to refine the PSA framework so that it drives effective delivery and the attainment of ambitious national standards.Public Service Agreements (PSAs) were introduced in the 1998 CSR. They set out agreed targets detailing the outputs and outcomes departments are expected to deliver with the resources allocated to them. The new spending regime places a strong emphasis on outcome targets, for example in providing for better health and higher educational standards or service standards. The introduction in SR2004 of PSA ‘standards’ will ensure that high standards in priority areas are maintained.The Government monitors progress against PSA targets, and departments report in detail twice a year in their annual Departmental Reports (published in spring) and in their autumn performance reports. These reports provide Parliament and the public with regular updates on departments’ performance against their targets.Technical Notes explain how performance against each PSA target will be measured.To make the most of both new investment and existing assets, there needs to be a coherent long term strategy against which investment decisions are taken. Departmental Investment Strategies (DIS) set out each department's plans to deliver the scale and quality of capital stock needed to underpin its objectives. The DIS includes information about the department's existing capital stock and future plans for that stock, as well as plans for new investment. It also sets out the systems that the department has in place to ensure that it delivers its capital programmes effectively.This document was updated on 19 December 2005.Near-cash resource expenditure that has a related cash implication, even though the timing of the cash payment may be slightly different. For example, expenditure on gas or electricity supply is incurred as the fuel is used, though the cash payment might be made in arrears on aquarterly basis. Other examples of near-cash expenditure are: pay, rental.Net cash requirement the upper limit agreed by Parliament on the cash which a department may draw from theConsolidated Fund to finance the expenditure within the ambit of its Request forResources. It is equal to the agreed amount of net resources and net capital less non-cashitems and working capital.Non-cash cost costs where there is no cash transaction but which are included in a body’s accounts (or taken into account in charging for a service) to establish the true cost of all the resourcesused.Non-departmental a body which has a role in the processes of government, but is not a government public body, NDPBdepartment or part of one. NDPBs accordingly operate at arm’s length from governmentMinisters.Notional cost of a cost which is taken into account in setting fees and charges to improve comparability with insuranceprivate sector service providers.The charge takes account of the fact that public bodies donot generally pay an insurance premium to a commercial insurer.the independent body responsible for collecting and publishing official statistics about theUK’s society and economy. (At the time of going to print legislation was progressing tochange this body to the Statistics Board).Office of Government an office of the Treasury, with a status similar to that of an agency, which aims to maximise Commerce, OGCthe government’s purchasing power for routine items and combine professional expertiseto bear on capital projects.Office of the the government department responsible for discharging the Paymaster General’s statutoryPaymaster General,responsibilities to hold accounts and make payments for government departments and OPGother public bodies.Orange bookthe informal title for Management of Risks: Principles and Concepts, which is published by theTreasury for the guidance of public sector bodies.Office for NationalStatistics, ONS60Managing Public Money————————————————————————————————————————"GLOSSARYOverdraftan account with a negative balance.Parliament’s formal agreement to authorise an activity or expenditure.Prerogative powerspowers exercisable under the Royal Prerogative, ie powers which are unique to the Crown,as contrasted with common-law powers which may be available to the Crown on the samebasis as to natural persons.Primary legislationActs which have been passed by the Westminster Parliament and, where they haveappropriate powers, the Scottish Parliament and the Northern Ireland Assembly. Begin asBills until they have received Royal Assent.arrangements under which a public sector organisation contracts with a private sectorentity to construct a facility and provide associated services of a specified quality over asustained period. See annex 7.5.Proprietythe principle that patterns of resource consumption should respect Parliament’s intentions,conventions and control procedures, including any laid down by the PAC. See box 2.4.Public Accountssee Committee of Public Accounts.CommitteePublic corporationa trading body controlled by central government, local authority or other publiccorporation that has substantial day to day operating independence. See section 7.8.Public Dividend finance provided by government to public sector bodies as an equity stake; an alternative to Capital, PDCloan finance.Public Service sets out what the public can expect the government to deliver with its resources. EveryAgreement, PSAlarge government department has PSA(s) which specify deliverables as targets or aimsrelated to objectives.a structured arrangement between a public sector and a private sector organisation tosecure an outcome delivering good value for money for the public sector. It is classified tothe public or private sector according to which has more control.Rate of returnthe financial remuneration delivered by a particular project or enterprise, expressed as apercentage of the net assets employed.Regularitythe principle that resource consumption should accord with the relevant legislation, therelevant delegated authority and this document. See box 2.4.Request for the functional level into which departmental Estimates may be split. RfRs contain a number Resources, RfRof functions being carried out by the department in pursuit of one or more of thatdepartment’s objectives.Resource accountan accruals account produced in line with the Financial Reporting Manual (FReM).Resource accountingthe system under which budgets, Estimates and accounts are constructed in a similar wayto commercial audited accounts, so that both plans and records of expenditure allow in fullfor the goods and services which are to be, or have been, consumed – ie not just the cashexpended.Resource budgetthe means by which the government plans and controls the expenditure of resources tomeet its objectives.Restitutiona legal concept which allows money and property to be returned to its rightful owner. Ittypically operates where another person can be said to have been unjustly enriched byreceiving such monies.Return on capital the ratio of profit to capital employed of an accounting entity during an identified period.employed, ROCEVarious measures of profit and of capital employed may be used in calculating the ratio.Public Privatepartnership, PPPPrivate Finance Initiative, PFIParliamentaryauthority61Managing Public Money"————————————————————————————————————————GLOSSARYRoyal charterthe document setting out the powers and constitution of a corporation established underprerogative power of the monarch acting on Privy Council advice.Second readingthe second formal time that a House of Parliament may debate a bill, although in practicethe first substantive debate on its content. If successful, it is deemed to denoteParliamentary approval of the principle of the proposed legislation.Secondary legislationlaws, including orders and regulations, which are made using powers in primary legislation.Normally used to set out technical and administrative provision in greater detail thanprimary legislation, they are subject to a less intense level of scrutiny in Parliament.European legislation is,however,often implemented in secondary legislation using powers inthe European Communities Act 1972.Service-level agreement between parties, setting out in detail the level of service to be performed.agreementWhere agreements are between central government bodies, they are not legally a contractbut have a similar function.Shareholder Executive a body created to improve the government’s performance as a shareholder in businesses.Spending reviewsets out the key improvements in public services that the public can expect over a givenperiod. It includes a thorough review of departmental aims and objectives to find the bestway of delivering the government’s objectives, and sets out the spending plans for the givenperiod.State aidstate support for a domestic body or company which could distort EU competition and sois not usually allowed. See annex 4.9.Statement of Excessa formal statement detailing departments’ overspends prepared by the Comptroller andAuditor General as a result of undertaking annual audits.Statement on Internal an annual statement that Accounting Officers are required to make as part of the accounts Control, SICon a range of risk and control issues.Subheadindividual elements of departmental expenditure identifiable in Estimates as single cells, forexample cell A1 being administration costs within a particular line of departmental spending.Supplyresources voted by Parliament in response to Estimates, for expenditure by governmentdepartments.Supply Estimatesa statement of the resources the government needs in the coming financial year, and forwhat purpose(s), by which Parliamentary authority is sought for the planned level ofexpenditure and income.Target rate of returnthe rate of return required of a project or enterprise over a given period, usually at least a year.Third sectorprivate sector bodies which do not act commercially,including charities,social and voluntaryorganisations and other not-for-profit collectives. See annex 7.7.Total Managed a Treasury budgeting term which covers all current and capital spending carried out by the Expenditure,TMEpublic sector (ie not just by central departments).Trading fundan organisation (either within a government department or forming one) which is largely orwholly financed from commercial revenue generated by its activities. Its Estimate shows itsnet impact, allowing its income from receipts to be devoted entirely to its business.Treasury Minutea formal administrative document drawn up by the Treasury, which may serve a wide varietyof purposes including seeking Parliamentary approval for the use of receipts asappropriations in aid, a remission of some or all of the principal of voted loans, andresponding on behalf of the government to reports by the Public Accounts Committee(PAC).62Managing Public Money————————————————————————————————————————GLOSSARY63Managing Public MoneyValue for moneythe process under which organisation’s procurement, projects and processes aresystematically evaluated and assessed to provide confidence about suitability, effectiveness,prudence,quality,value and avoidance of error and other waste,judged for the public sectoras a whole.Virementthe process through which funds are moved between subheads such that additionalexpenditure on one is met by savings on one or more others.Votethe process by which Parliament approves funds in response to supply Estimates.Voted expenditureprovision for expenditure that has been authorised by Parliament. Parliament ‘votes’authority for public expenditure through the Supply Estimates process. Most expenditureby central government departments is authorised in this way.Wider market activity activities undertaken by central government organisations outside their statutory duties,using spare capacity and aimed at generating a commercial profit. See annex 7.6.Windfallmonies received by a department which were not anticipated in the spending review.———————————————————————————————————————— -
15 Reporting Forms
. Commercial property insurance where the insurer requires periodic reports on the value of the inventory to ensure coverage is adequate and the premiums commensurate with the risk. . Small Business Taxes & Management 2 .
См. также в других словарях:
insurer — insure ► VERB 1) arrange for compensation in the event of damage to or loss of (property, life, or a person), in exchange for regular payments to a company. 2) secure the payment of (a sum) in this way. 3) (insure against) protect (someone)… … English terms dictionary
property insurance — Insurance in which the risk is that of the loss of property, as from fire, flood, windstorm, etc A contract of insurance whereby the insurer becomes bound, for a consideration in the form of a premium or premiums, to indemnify the insured for… … Ballentine's law dictionary
property insurance — Insurance covering loss, damage, or destruction of any form of item from personal computers to industrial plant and machinery. Property insurance policies are a form of indemnity in which the insurer undertakes to make good the loss suffered by… … Big dictionary of business and management
Citizens Property Insurance Corporation — was created in Florida in 2002 to provide property insurance for home owners who could not obtain insurance elsewhere, an insurer of last resort. It is a government established, not for profit insurer in Florida. It is the largest insurer in the… … Wikipedia
abandonment of property — Intentional and absolute relinquishment of property without reference to any particular person or for any particular purpose. 1 Am J2d Aband § 1; 3 Am J2d Adv P § 77. Abandoned property is that to which the owner has voluntarily relinquished all… … Ballentine's law dictionary
burning to defraud insurer — The criminal offense of burning with intent to injure or defraud an insurer. An offense related to arson but distinct in the fact that the property destroyed is that of the accused. 5 Am J2d Arson § 2 … Ballentine's law dictionary
scheduled property — In insurance, a list of property and the value of each piece of such property for which the insurer will pay in the event of loss or damage … Black's law dictionary
FM Global — is a U.S. based insurance company, with offices worldwide, that specializes in loss prevention services primarily to large corporations throughout the world in the Highly Protected Risk (HPR) property insurance market sector. FM Global is the… … Wikipedia
List of oldest companies — This list of the oldest companies includes brands and companies, excluding associations, educational, government or religious organisations. This list is taken from one restricted and geographically biased source, and because of the difficulty… … Wikipedia
FM Global — FM Insurance Company Limited Unternehmensform Limited Gründung 1835 … Deutsch Wikipedia
Factory Mutual — FM Insurance Company Limited Rechtsform Limited Gründung 1835 Sitz … Deutsch Wikipedia