-
1 self-insurance fund
Englisch-Deutsch Fachwörterbuch der Wirtschaft > self-insurance fund
-
2 self-insurance fund
страх. фонд самострахования (фонд для покрытия убытков в результате наступления каких-л. непредвиденных событий, создаваемый самим хозяйствующим субъектом)See: -
3 self-insurance fund
s.fondo de autoseguro, fondo de seguro propio. -
4 insurance fund
страх. страховой фонд, фонд страхования (фонд, в котором аккумулируются уплачиваемые страхователями страховые премии и из которого в случае наступления страхового случая выплачивается страховое возмещение)See:* * *резерв материальных или денежных средств, предназначенных для обеспечения расширенного общественного воспроизводства, в том числе и воспроизводства рабочей силы, при наступлении чрезвычайных неблагоприятных событий, стихийных бедствий, несчастных случаев -
5 self-insurance
сущ.страх. самострахование (самостоятельная защита от потенциальных убытков путем создания собственных резервных фондов в отличие от страховой защиты путем приобретения страхового полиса)See:
* * *
самострахование: создание собственных резервных фондов для покрытия страховых случаев в противоположность покупке страхового полиса; это имеет смысл, если у компании есть возможность создавать такие фонды или самострахование получается дешевле обычного страхования.* * *создание собственных резервных фондов; создание собственного страхового фонда (если покупка страхового полиса нецелесообразна). . Словарь экономических терминов .* * *Международные перевозки/Таможенное правопринятие компанией на себя риска потерь и обязательств в результате возможных аварий -
6 fund
1. сущ.1) общ. запас, фонд, резерв (материального, энергетического, денежного или иного ресурса); источник (какого-л. ресурса)Nature provides an unlimited fund of energy available to all living things. — Природа предоставляет неограниченный источник энергии, доступный для всего живого.
See:annuity fund, cooperative advertising fund, wage fund, sinking fund, reserve fund, credit fund, debt service fund, disability fund, insurance fund, Medicare fund, self-insurance fund, social insurance fund, unemployment fund, unsatisfied judgment fund2) мн., эк. фонды, (денежные) средства, деньгиto allocate funds — распределять средства [фонды\]
to allot funds for [to\] — выделять [ассигновать\] средства на что-л. или кому-л.
to appropriate funds for [to\] — выделять средства ( на определенную цель)
to channel funds — направлять [проводить\] средства
funds allocated to smth. or smb. — средства, предназначенные для чего-л. или кого-л.
See:blocked funds, borrowed funds, cleared funds, external funds, federal funds, internal funds, next day funds, own funds, pension fund б), same day funds, uncollected funds, proof of funds, fund manager, funds transfer, availability of funds, cost of funds, non-sufficient funds fee, Extended Fund Facility, fund-raiser3) эк. фонд (организация, управляющая сбором и распределением ресурсов с какой-л. целью; это может быть как некоммерческая организация, собирающая взносы и передающая их каким-л. лицам или проектам, так и коммерческое финансовое учреждение, собирающее средства инвесторов и организующее их централизованное инвестирование)See:investment fund, mutual fund, money market fund, ethical fund, pension fund, life income fund, retirement income fund, load fund, closed-end fund, specialty fund, single-country fund, regional fund, index fund, bond fund, equity fund, flexible fund, life-cycle fund, fund of funds, vulture fund, commodity fund, family of funds, Bank Insurance Fund, Deposit Insurance Fund, Deposit Protection Fund, Fraud Compensation Fund, Pension Protection Fund, Common Fund for Commodities, relief fund, health fund, pension fund а), second injury fund, segregated fund, trust fund, with-profits fund, development fund, Exchange Equalization Fund, global fund, international fund, Abu Dhabi Fund for Arab Economic Development, Africa Enterprise Fund, Arab Fund for Economic and Social Development, Arab Monetary Fund, Common Fund for Commodities, Doha Development Agenda Global Trust Fund, Economic Stabilization Fund, Economic Support Fund, European Agricultural Guidance and Guarantee Fund, European Fund for Monetary Cooperation, European Monetary Cooperation Fund, Exchange Stabilization Fund, Fund for Special Operations, Industrialization Fund for Developing Countries, International Fund for Agricultural Development, International Monetary Fund, Kuwait Fund for Arab Economic Development, Multilateral Investment Fund, Nigeria Trust Fund, Overseas Economic Cooperation Fund, United Nations Children's Fund, United Nations International Children's Emergency Fund4) учет, амер. фонд (в государственном учете: самостоятельная группа сбалансированных активных и пассивных счетов, обычно выделяемая по источникам и целевым направлениям расходования средств)See:5) мн., гос. фин., брит. государственные ценные бумагиSee:2. гл.1) фин. финансировать, субсидировать ( предоставлять средства на определенные цели); вкладывать [помещать\] средства (во что-л. или куда-л.)The project is funded by the US Department of Energy. — Этот проект финансируется Министерством энергетики США.
The World Bank, however, refused to fund the project. — Мировой банк, однако, отказался финансировать данный проект.
See:2) гос. фин. реструктурировать, фундировать* ( превращать краткосрочный долг в долгосрочный или бессрочный)See:3) эк., редк. делать запас, создавать фонд ( резервировать денежные средства или другие ресурсы под будущие расходы)
* * *
1) взаимный инвестиционный фонд; сберегательное или инвестиционное учреждение; см. closed-end investment company; 2) сумма денег, финансовые ресурсы, оборотные средства; 3) активы, в т. ч. ценные бумаги, которые зарезервированы для тех или иных целей; см. sinking fund; 4) самобалансирующийся счет (фонд) в благотворительной организации (по требованию донора) или в правительственном агентстве (по требованию закона); имеется в виду использование средств фонда (счета) исключительно для оговоренных целей, т. е. в конечном итоге расходы балансируются с доходами (активы с пассивами); см. fund balance.* * *резерв средств или инвестиций, образованный в определенных целях-----средства, аккумулирующие премии и проценты по всем полисам, полученные отделом страхования жизни после всех расходов и выплат-----Финансы/Кредит/Валютаденежные или материальные средства, предназначенные для определенных целей -
7 fondo de autoseguro
• insurance fund• self-instruction• self-insurance fund• self-insurer -
8 fondo de seguro propio
• self-instruction• self-insurance fund• self-insurer -
9 autoseguro
• self-instructed• self-insurance fund -
10 interés personal
• self-insurance fund• self-interested• selfish position• selfless -
11 interés propio
• self-insurance fund• self-interested -
12 Selbstversicherungsfonds
Business german-english dictionary > Selbstversicherungsfonds
-
13 egoísmo
• egoism• egotism• self-insurance fund• self-interested• self-sealing• self-seekingly• selfish position• selfless -
14 страховой фонд компании
corporate insurance fund;self-insuranceРусско-английский словарь по страхованию > страховой фонд компании
-
15 seguro
adj.1 safe, sure, low-risk, risk-free.2 safe.3 confident, definite.4 certain, sure, sure-enough, unfailing.adv.sure, surely.m.1 insurance, underwriting, assurance, insurance policy.2 safety catch.3 safety lock, latch.4 safety-pin.* * *► adjetivo1 (asegurado) secure2 (a salvo) safe3 (firme) firm, steady4 (cierto) certain, sure5 (de fiar) reliable6 (confiado) confident1 (contrato, póliza) insurance2 (mecanismo) safety device, safety catch► adverbio1 for sure, definitely\a buen seguro without any doubtdar algo por seguro to take something for grantedir sobre seguro figurado to play safesentirse seguro,-a to feel safesobre seguro without riskseguro a terceros third-party insuranceseguro a todo riesgo fully comprehensive insuranceseguro contra incendios fire insuranceseguro de vida life insurance————————1 (contrato, póliza) insurance2 (mecanismo) safety device, safety catch► adverbio1 for sure, definitely* * *1. (f. - segura)adj.1) safe, secure2) sure3) reliable4) self-assured, confident5) firm, fixed2. adv. 3. noun m.1) insurance2) fastener, clasp* * *1. ADJ1) (=sin peligro)a) [refugio, método, vehículo] safeno te subas a esa escalera porque no es muy segura — don't go up that ladder, it's not very safe
b) [persona, objetos de valor] safeel bebé se siente seguro cerca de su madre — the baby feels safe o secure close to its mother
2) (=sujeto, estable) securehay que atar mejor la carga porque no parece muy segura — the load needs to be fixed a bit better because it doesn't seem to be very securely attached o very secure
3) (=definitivo) [fracaso, muerte] certain•
eso es lo más seguro — that's the most likely thinglo más seguro es que no pueda ir — I almost certainly o most likely won't be able to go
•
dar algo por seguro, si yo fuera tú no daría la victoria por segura — if I were you I wouldn't be sure of victory•
es seguro que..., es seguro que ganaremos la copa — we're bound o sure o certain to win the cuplo que es seguro es que el congreso se celebrará en Barcelona — the conference is definitely going to be held in Barcelona
4) (=convencido) sure¿estás seguro? — are you sure?
sí, estoy completamente segura — yes, I'm absolutely sure o positive
-¿estás seguro de que era él? -sí, segurísimo — "are you sure it was him?" - "yes, positive"
- vamos a ganar -pues yo no estaría tan seguro — "we're going to win" - "I wouldn't bet on it" o "I wouldn't be so sure"
•
seguro de algo — sure of sthnunca he visto un hombre tan seguro de sus opiniones — I've never seen a man so sure of his opinions
5) [de uno mismo] confidentse muestra cada vez más seguro en el escenario — he is more and more sure of himself o confident on stage
me noto más segura al andar — I feel more steady on my feet, I feel more confident walking now
seguro de sí mismo — self-confident, self-assured
6) (=fiable) [fuente, cálculo, método] reliableno es un método muy seguro — it's not a very reliable o sure method
7) LAm (=honesto) trustworthy2.ADV for sure, for certainno lo sabemos seguro — we don't know for sure o certain
-¿seguro que te interesa? -sí, seguro — "are you sure that you're interested?" - "yes, I'm sure"
-estoy dispuesto a cambiar de actitud -sí, sí, seguro — iró "I'm willing to change my attitude" - "yeah, yeah, sure!" iró
seguro que algunos se alegrarán — some people will certainly be pleased, I'm sure that some people will be pleased
•
a buen seguro, de seguro — certainlya buen seguro o de seguro va a dar que hablar — it will certainly give people something to talk about
decidieron jugar sobre seguro contratando a un buen abogado — they decided to play (it) safe and hire a good lawyer
3. SM1) (=dispositivo)a) [de puerta, lavadora] lock; [de arma de fuego] safety catch; [de pulsera] claspecha el seguro, que van niños en el coche — lock the doors, there are children in the car
2) (Com, Econ) insurance¿tienes el seguro del coche? — have you got your car insurance documents with you?
•
hacerse un seguro — to take out insuranceseguro de desempleo — unemployment benefit, unemployment compensation o insurance (EEUU)
seguro de jubilación — retirement plan, pension plan, pension scheme
seguro de paro — Esp unemployment benefit, unemployment compensation o insurance (EEUU)
seguro de vida — life assurance, life insurance ( esp EEUU)
seguro mixto — endowment assurance, endowment insurance ( esp EEUU)
3) * (=sistema médico) national health *seguro social — LAm (=sistema de pensiones y paro) social security, welfare (EEUU); (=contribuciones) national insurance; (=sistema médico) national health service
* * *I- ra adjetivo1)a) [SER] ( exento de riesgo) safeb) ( estable) secureuna inversión segura — a safe o secure investment
sobre seguro: un político que sabe jugar sobre seguro a politician who knows how to play safe; sabía que iba sobre seguro — he knew he was onto a sure thing (colloq)
c) [SER] ( fiable)un método anticonceptivo poco seguro — not a very reliable o safe method of birth control
d) [ESTAR] ( a salvo) safe2)a) [ESTAR] ( convencido) sureseguro DE algo — sure o certain of something
estoy absolutamente seguro de haberlo dejado aquí — I'm absolutely sure o certain (that) I left it here
b) [SER] ( que no admite duda)no te preocupes, seguro que no es nada — don't worry, I'm sure it's nothing
seguro que se le olvida — he's sure o bound to forget
a buen seguro — ( ciertamente) for certain; ( a salvo) safe
guárdalo a buen seguro — keep it safe, put it away for safe keeping
c) ( con confianza en sí mismo) self-assured, self-confidentII1)a) ( mecanismo - de armas) safety catch; (- de una pulsera, un collar) clasp, fastenerponer el seguro — to do up the clasp o fastener
echó el seguro antes de acostarse/arrancar — he locked the door before going to bed/starting the car
b) (Méx) ( imperdible) safety pin2)a) ( contrato) insurancese sacó or se hizo un seguro — she took out insurance o an insurance policy
b) ( Seguridad Social)el seguro or el Seguro — the state health care system, ≈ Medicaid ( in US), ≈ the National Health Service ( in UK)
se operó por el seguro — he had his operation through Medicaid/on the National Health
me lo recetó el seguro — I got the prescription on Medicaid (AmE), I got it on prescription (BrE)
•IIIno lo sabe seguro — she doesn't know for sure o certain
¿seguro que basta? - sí, seguro — (are you) sure that's enough? - yes, positive
esta vez dice la verdad - sí, seguro! — (iró) this time he's/she's telling the truth - oh yeah, sure (he/she is)! (colloq & iro)
* * *I- ra adjetivo1)a) [SER] ( exento de riesgo) safeb) ( estable) secureuna inversión segura — a safe o secure investment
sobre seguro: un político que sabe jugar sobre seguro a politician who knows how to play safe; sabía que iba sobre seguro — he knew he was onto a sure thing (colloq)
c) [SER] ( fiable)un método anticonceptivo poco seguro — not a very reliable o safe method of birth control
d) [ESTAR] ( a salvo) safe2)a) [ESTAR] ( convencido) sureseguro DE algo — sure o certain of something
estoy absolutamente seguro de haberlo dejado aquí — I'm absolutely sure o certain (that) I left it here
b) [SER] ( que no admite duda)no te preocupes, seguro que no es nada — don't worry, I'm sure it's nothing
seguro que se le olvida — he's sure o bound to forget
a buen seguro — ( ciertamente) for certain; ( a salvo) safe
guárdalo a buen seguro — keep it safe, put it away for safe keeping
c) ( con confianza en sí mismo) self-assured, self-confidentII1)a) ( mecanismo - de armas) safety catch; (- de una pulsera, un collar) clasp, fastenerponer el seguro — to do up the clasp o fastener
echó el seguro antes de acostarse/arrancar — he locked the door before going to bed/starting the car
b) (Méx) ( imperdible) safety pin2)a) ( contrato) insurancese sacó or se hizo un seguro — she took out insurance o an insurance policy
b) ( Seguridad Social)el seguro or el Seguro — the state health care system, ≈ Medicaid ( in US), ≈ the National Health Service ( in UK)
se operó por el seguro — he had his operation through Medicaid/on the National Health
me lo recetó el seguro — I got the prescription on Medicaid (AmE), I got it on prescription (BrE)
•IIIno lo sabe seguro — she doesn't know for sure o certain
¿seguro que basta? - sí, seguro — (are you) sure that's enough? - yes, positive
esta vez dice la verdad - sí, seguro! — (iró) this time he's/she's telling the truth - oh yeah, sure (he/she is)! (colloq & iro)
* * *seguro(de)(adj.) = confident (in)Ex: Experience of IT in USA is associated not infrequently with the confounding of confident expectations.
seguro11 = insurance.Ex: Increasingly worrying to all however were the escalating cost of insurance, servicing and maintenance.
* actuario de seguros = actuary.* agencias de seguros, las = insurance industry, the.* agente de seguros = insurance agent, insurer, insurance broker.* compañía de seguros = insurance company, insurer.* compañia de seguros de vida = life-insurance company.* contratación de seguros = insurance broking.* contratar una póliza de seguros = take out + insurance policy.* contratar un seguro = take out + insurance policy.* corredor de seguros = insurance agent, insurance broker.* hacerse una póliza de seguros = take out + insurance policy.* hacerse un seguro = take out + insurance policy.* impreso de solicitud de seguro = insurance form.* mutua de seguros = mutual insurance company, mutual insurance society.* oficina de seguros = insurance office.* plan de seguros = insurance plan.* póliza de seguro a todo riesgo = all risks cover.* póliza de seguros = insurance coverage, insurance policy, insurance cover.* póliza de seguros contra incendios = fire insurance policy.* prima de seguro = insurance premium.* seguro a todo riesgo = comprehensive insurance, all-risk insurance.* seguro con franquicia = insurance with deductible.* seguro contra indemnizaciones = indemnity policy.* seguro contra indemnizaciones profesionales = indemnity insurance.* seguro de automóvil = automobile insurance.* seguro de coche = car insurance.* seguro de coche sin determinación de culpabilidad = no-fault auto insurance.* seguro de enfermedad = health insurance.* seguro de incapacidad = disability insurance.* seguro de invalidez = disability insurance.* seguro de jubilación = retirement fund, retirement plan.* seguro de la casa = home insurance.* seguro dental = dental plan, dental insurance.* seguro de responsabilidad civil = liability insurance.* seguro de viaje = travel insurance.* seguro de vida = life insurance.* seguro de vida a término = term life insurance.* seguro de vida vitalicio = whole life insurance.* seguro médico = health insurance plan, health insurance, medical insurance.* seguro mutualista = mutual insurance.* seguro mutuo = mutual insurance.* seguro por pérdida de un miembro del cuerpo = dismemberment insurance.* seguro sin determinación de culpabilidad = no-fault insurance.* seguro social = social insurance.* sociedad de seguros mutuos = provident society, mutual benefit society.seguro22 = buffer.Ex: This article surveys the causes of disintegration and the use of microforms as a buffer against imminent destruction.
seguro33 = latch.Ex: The latch lever is plastic and seems like it might snap right off if you put too much pressure on it.
seguro4= comfortable, dependable, reliable, safe [safer -comp., safest -sup.], secure, sure [surer -comp., surest -sup.], assertive, tight [tighter -comp., tightest -sup.], you bet!.Ex: A modern comfortable library could look like that in Berlin's Tiergarten, with its opne-air gardens, or resemble Evanston's library with its comfortable chairs and elegant (and, one hopes, safe) fireplaces.
Ex: If the supplier is a dealer, then ensure that this is a reputable and dependable dealer who can provide help with installation, maintenance and support.Ex: Computers are reliable, and less prone to error provided they are instructed or programmed appropriately and correctly.Ex: A modern comfortable library could look like that in Berlin's Tiergarten, with its opne-air gardens, or resemble Evanston's library with its comfortable chairs and elegant (and, one hopes, safe) fireplaces.Ex: An academic library should be secure to control user behaviour and loss of books.Ex: The surest way to arrive at such a decision is to be guided by principles of helpful citation order.Ex: I tried to say at the very outset of my remarks that there probably has not been sufficient consumer-like and assertive leverage exerted upon our chief suppliers.Ex: The platen was lashed up tight to the toe of the spindle by cords which connected hooks at its four corners to another set of hooks at the four lower corners of the hose.Ex: The article 'Computer games in the learning resources center? you bet!' discusses some of the benefits of using computer games in education.* accidente seguro = accident waiting to happen.* algo casi seguro = a sure bet, safe bet.* algo es seguro = one thing is for sure.* algo seguro = safe bet.* blanco seguro = sitting duck.* camino seguro al desastre = blueprint for disaster.* camino seguro al éxito = blueprint for success.* camino seguro al fracaso = blueprint for failure.* conocer de seguro = know for + certain, know for + sure.* dar por seguro que = rest + assured that.* de éxito seguro = sure-fire [surefire].* demasiado seguro de uno mismo = overconfident.* deportista lento pero seguro = plodder.* de seguro = for sure, for certain.* de un modo seguro = securely.* en un lugar seguro = in a safe place, in safekeeping.* en un sitio seguro = in a safe place, in safekeeping.* estar moviéndose en terreno seguro = be on secure ground.* estar seguro = be sure, make + sure, set + your watch by.* estar seguro de = be certain (of), be confident about, feel + confident.* estar seguro de que = be confident that.* ir a lo seguro = play it + safe.* ir sobre seguro = be on secure ground, play it + safe.* jugar a lo seguro = play it + safe.* jugar sobre seguro = play it + safe.* no estar seguro = be uncertain.* no estar seguro de = be unsure about/of.* oportunidad casi segura = a sporting chance.* poco seguro = dicey [dicier -comp., diciest -sup.].* problema seguro = accident waiting to happen.* puerto seguro = safe harbour.* saber de seguro = know for + certain, know for + sure, know for + a fact.* seguro (de) = confident (in).* seguro de sí mismo = smug, assured, self-assured, poised.* seguro de uno mismo = self-confident.* sentirse más seguro de = gain + confidence (with/in).* ser algo seguro = be a cinch, be a doddle, be a breeze, be a picnic, be duck soup.* ser casi seguro = be a good bet.* ser seguro = be on the cards.* ser seguro que + Subjuntivo = be bound to + Infinitivo.* terreno seguro = safe ground, solid ground.* * *A1 [ SER] (exento de riesgo) safeese aeropuerto no es muy seguro it's not a very safe airportno te subas a esa escalera, que no es segura don't climb that ladder, it's not safeponlo en un lugar seguro put it somewhere safe o in a safe place o in a secure placebuscan la inversión más segura they are looking for the safest o most secure investment2 [ ESTAR] (estable) securetiene un trabajo bastante seguro she has a fairly secure jobesa escalera no está segura that ladder isn't safe o steadyel cuadro no se va a caer, está bien seguro the picture isn't going to fall, it's quite secureir a la segura: un lugar donde el que gusta comer bien va a la seguro a place which is a safe bet for people who like good foodsobre seguro: un político que sabe jugar sobre seguro a politician who knows how to play safesabía que iba sobre seguro he knew he was onto a sure thing o he knew it was a safe bet ( colloq)3 [ SER](fiable): un método poco seguro para controlar la natalidad not a very reliable o safe method of birth controlel cierre de la pulsera es muy seguro the fastener on the bracelet is very secure4 [ ESTAR] (a salvo) safeel dinero estará seguro aquí the money will be safe hereaquí estarás seguro you'll be safe herea su lado se siente seguro he feels safe when he's beside herB1 [ ESTAR] (convencido) sure¿estás seguro? are you sure?no estoy muy seguro, pero creo que ése es su nombre I'm not really sure but I think that's his nameseguro DE algo:estoy absolutamente seguro de haberlo dejado aquí I'm absolutely sure o certain (that) I left it hereno estaba seguro de haber elegido bien he wasn't sure that he'd made the right choiceno estés tan seguro de eso don't (you) be so sure of thatestoy seguro de que vendrá I'm sure she'll comeestoy completamente segura de que te lo di I'm absolutely sure o I'm positive I gave it to you2 [ SER](que no admite duda): su triunfo es seguro his victory is assurediban a una muerte segura they were heading for certain deathtodavía no es seguro pero creo que lo traerán it's not definite but I think they'll bring itse da por seguro que ganarán it's seen as a foregone conclusion o there seems to be little doubt that they'll winda por seguro que tan pronto como llegue se pondrá en contacto contigo you can be sure o rest assured that she'll contact you as soon as she arriveslo más seguro es que no oyó el despertador he probably didn't hear the alarm clockno te preocupes, seguro que no es nada don't worry, I'm sure it's nothingguárdalo a buen seguro keep it safe, put it away for safe keeping3 (con confianza en sí mismo) self-assured, self-confidentes una persona muy segura de sí misma he's a very confident o self-confident o self-assured personA1 (mecanismo — de armas) safety catch; (— de una pulsera, un collar) clasp, fastenerno puse el seguro y se me cayó I didn't do up the clasp o fastener and it fell offechó el seguro antes de acostarse/arrancar he locked the door before going to bed/starting the car2 ( Méx) (imperdible) safety pinCompuesto:(de coche) steering o wheel lock; (de bicicleta) wheel lockB1 (contrato) insurancese sacó or se hizo un seguro she took out insurance o an insurance policy2(Seguridad Social): el seguro or el Seguro the state health care system, ≈ Medicaid ( in US), ≈ the National Health Service ( in UK)¿cuando te operaste ibas particular o por el seguro? when you had your operation did you go private or have it done through Medicaid/on the National Health?Compuestos:endowment insurance● seguro contra or a todo riesgocomprehensive insurance, all-risks insurance● seguro contra or de incendiosfire insuranceaccident insuranceunemployment benefitmedical insurance, health insurancetravel insurancelife assurance, life insurancepersonal accident insurancesocial insuranceterm assurancedijo que llegaría mañana seguro she said she'd definitely be arriving tomorrowno ha dicho seguro si vendrá he hasn't said definitely o for certain whether he's comingno lo sabe seguro she doesn't know for sure o certainseguro que sospecha lo nuestro I'm sure he suspects we're up to somethingseguro que llamó y no estábamos I bet she called and we weren't in¿seguro que tienes suficiente dinero? — sí, seguro (are you) sure you have enough money? — yes, positiveestoy convencido de que esta vez dice la verdad — ¡sí, seguro! ( iró); I'm convinced that this time he's telling the truth — oh yeah, sure (he is)! ( colloq iro)* * *
seguro 1◊ -ra adjetivo
1
esa escalera no está segura that ladder isn't safe o steady
‹ anticonceptivo› safe;
2
seguro DE algo sure o certain of sth
‹ fecha› definite;
no te preocupes, seguro que no es nada don't worry, I'm sure it's nothing;
seguro que se le olvida he's sure o bound to forget
seguro 2 sustantivo masculino
1
(— de pulsera, collar) clasp, fastener;
2
seguro contra or a todo riesgo comprehensive insurance, all-risks insurance;
seguro contra or de incendios fire insurance;
seguro de viaje travel insurance;
seguro de vida life assurance, life insuranceb) ( Seguridad Social): el seguro or el Sseguro the state health care system, ≈ Medicaid ( in US), ≈ the National Health Service ( in UK)
■ adverbio:
no lo sabe seguro she doesn't know for sure o certain;
seguro que sospecha lo nuestro I'm sure he suspects we're up to something
seguro,-a
I adjetivo
1 es una persona muy segura (de sí misma), he's very self-confident
2 (convencido, sin dudas) sure, definite: estaba segura de que vendrías, I was sure you would come
3 (garantizado, cierto) assured: su dimisión es prácticamente segura, his resignation is almost certain
4 (sin peligro) safe
un lugar seguro, a safe place
5 (sin temor, riesgo) secure: no se siente seguro, he doesn't feel secure
es una inversión muy segura, it's a safe investment
6 (paso, voz) steady, firm
II sustantivo masculino
1 Com insurance
seguro a todo riesgo, fully comprehensive insurance
seguro de vida, life insurance
2 (de un arma) safety catch o device
(de una puerta) pásale el seguro a la puerta, bolt the door
III adverbio for sure, definitely
♦ Locuciones: ir sobre seguro, to play safe
tener algo por seguro, to be sure of sthg
' seguro' also found in these entries:
Spanish:
asegurarse
- cierta
- cierto
- cobertura
- confiada
- confiado
- esperar
- liquidez
- ocho
- prima
- riesgo
- santuario
- segura
- servidor
- servidora
- sexo
- sí
- tener
- asegurado
- bien
- confiar
- desenfadado
- montaje
- ojalá
- que
- tercero
English:
agenda
- assurance
- back up
- bet
- bound
- burglar alarm
- certain
- claim
- clear
- comprehensive
- confident
- dead
- define
- dependable
- doubt
- endowment
- extortionate
- insurance
- insurance premium
- itemize
- life insurance
- low-cost
- ought
- overconfident
- play
- policy
- positive
- premium
- quite
- safe
- safety
- safety catch
- secure
- self-assured
- self-confident
- steadily
- steady
- sure
- travel insurance
- uncertain
- unsure
- certainly
- certainty
- death
- definite
- definitely
- diffident
- dollar
- health
- including
* * *seguro, -a♦ adj1. [sin peligro] safe;el medio de transporte más seguro the safest means of transport;¿es éste un lugar seguro? is it safe here?;aquí estaremos seguros we'll be safe here;es una inversión segura it's a safe investment;prefiero ir sobre seguro I'd rather play (it) safe;más vale ir sobre seguro y llamar antes we'd better ring first, to be safe2. [protegido, estable] secure;un trabajo seguro a secure job;esta mesa no está segura this table isn't very steady;¿irán las botellas seguras ahí atrás? are the bottles safe in the back there?3. [fiable, infalible] reliable;4. [indudable, cierto] definite, certain;creo que sí, pero no es seguro I think so, but I'm not certain o but it's not definite;su nombramiento es seguro he's certain to be given the post;ya sabemos la fecha segura de su llegada we've now got a definite date for his arrival;no es seguro que vengan they're not definitely coming, they're not certain to come;lo puedes dar por seguro you can be sure of it;ya daban la victoria por segura they were sure that they had won;tener por seguro que… to be sure (that)…;ten por seguro que vendrá you can be sure (that) she'll come;¿crees que nos ayudará? – a buen seguro, de seguro do you think she'll help us? – I'm sure she will;a buen seguro que pone alguna pega he's certain to find something wrong with it5. [convencido] sure;¿estás seguro? are you sure?;no estoy muy seguro I'm not too sure;estar seguro de algo to be sure about o of sth;estoy seguro de ello I'm sure of it;estamos seguros de que te gustará we're sure you'll like it;no estoy seguro de habérselo dicho I'm not sure I told him;estaba segura de vencer she was confident of winning6. [con confianza en uno mismo] self-assured, self-confident;se le ve un tipo muy seguro he's very self-assured o self-confident;ser seguro de sí mismo, ser una persona segura de sí misma to be self-assured o self-confident♦ nm1. [contrato] insurance;seguro de accidentes accident insurance;seguro de asistencia en viaje travel insurance;seguro del automóvil car insurance;seguro de cambio exchange rate hedge;seguro de la casa buildings insurance;seguro de enfermedad private health insurance;seguro de hogar buildings insurance;seguro médico private health insurance;seguro multirriesgo comprehensive insurance;seguro mutuo joint insurance;seguro de responsabilidad civil liability insurance;seguro a todo riesgo comprehensive insurance;seguro a terceros liability insurance;seguro de viaje travel insurance;seguro de vida life insurance o assuranceir al seguro to go to the hospital;ese tratamiento no lo cubre el seguro ≈ you can't get that treatment on Br the National Health o US Medicaidseguro de desempleo unemployment benefit;seguro de incapacidad disability benefit;seguro de invalidez disability benefit;seguro de paro unemployment benefit3. [dispositivo] safety device;[de armas] safety catch; [en automóvil] door lock catch;4. CAm, Méx [imperdible] safety pin♦ advfor sure, definitely;¿vienes seguro? are you definitely coming?;no lo sé seguro I don't know for sure;seguro que ahora va y se lo cuenta todo a ella I bet she's going to go and tell her everything;¿seguro que no necesitas nada? – sí, sí, seguro are you sure you don't need anything? – yes, I'm sure* * *I adj1 tratamiento, puente safe;ir sobre seguro be on the safe side2 ( estable) steady3 ( cierto) sure;es seguro it’s a certainty;dar algo por seguro be sure about sth;no estoy tan seguro I’m not so sure;a buen seguro definitely4 persona:seguro de sí mismo self-confident, sure of o.s.II adv for sureIII m1 COM insuranceponer el seguro lock the door3 L.Am.* * *seguro adv: certainly, definitelyva a llover, seguro: it's going to rain for sure¡seguro que sí!: of course!seguro, -ra adj1) : safe, secure2) : sure, certainestoy segura que es él: I'm sure that's him3) : reliable, trustworthy4) : self-assuredseguro nm1) : insuranceseguro de vida: life insurance2) : fastener, clasp* * *seguro1 adj1. (en general) safe2. (estable) secure3. (convencido) sureseguro2 adv for certainseguro que... I bet... / to be bound...seguro que se ha olvidado I bet he's forgotten / he's bound to have forgottenseguro3 n1. (contrato) insurance2. (mecanismo) safety catch -
16 subsidio de desempleo
(n.) = income continuation insurance, unemployment compensation, unemployment benefitEx. The personnel policy should make provision for pension plans, income continuation insurance, workers's compensation coverage, vacation and other leaves.Ex. A group of 64 libraries realised substantial cost reductions by joining in a pooled fund to self-insure for unemployment compensation.Ex. The author describes a method for conceptualising legal domains for knowledge based systems as well as its application to a substantial fragment of the Unemployment Benefits Act.* * *(n.) = income continuation insurance, unemployment compensation, unemployment benefitEx: The personnel policy should make provision for pension plans, income continuation insurance, workers's compensation coverage, vacation and other leaves.
Ex: A group of 64 libraries realised substantial cost reductions by joining in a pooled fund to self-insure for unemployment compensation.Ex: The author describes a method for conceptualising legal domains for knowledge based systems as well as its application to a substantial fragment of the Unemployment Benefits Act.* * *unemployment compensation o Brbenefit -
17 funded
прил.1) фин. фундированный (связанный с долгосрочным или бессрочным заимствованием средств, особенно связанный с вложением средств в долгосрочные государственные ценные бумаги)Ant:funded pension, funded reserve, funded insurance trust, underfunded, overfunded, fully funded, fund, fundingSee:2) фин. финансированный, субсидированный, профинансированный (получивший денежные средства, обеспеченный денежными средствами, напр., о пенсионном фонде, в который перечислены средства для выплаты пенсий)federally funded biomedical research — финансируемые федеральным правительством биомедицинские исследования
Ant:funded pension, funded reserve, funded insurance trust, underfunded, overfunded, fully funded, fund, fundingSee: -
18 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 -
19 ЭКОНОМИКА БИЗНЕС И ФИНАНСЫ
@хозяйство @экономика economy @плановое хозяйство planned economy @рыночное хозяйство market economy @Общий рынок Common Market @Всемирная Торговая Организация @ВТО World Trade Organization (WTO) @Международный валютный фонд @МВФ International Monetary Fund (IMF) ЕБРР см. Европейский банк реконструкции и развития @Европейский банк реконструкции и развитияEuropean Bank for Reconstruction and Development (EBRD)@Всемирный банк World Bank @Евро Euro @(пере)выполнить план to fulfill/(over)fulfill a plan @прибыльноprofitable@выгодно advantageous @прибыль profit @рентабельность profitability @спад recession @производитель producer @потребитель consumer @потребительские товары consumer goods @товары широкого потребления mass consumer goods @потребление consumption @соглашение по разделу продукции @СРП product sharing agreement (PSA) @сбережения savings (e.g. in savings bank account) @экономия, экономить savings, to save on something/ economize @темпы роста growth rate @спрос и предложение supply and demand @продажа и закупка sales and purchase @средства производства means of production @предприниматель entrepreneur @предприятие enterprise @совместное предприятие joint venture/enterprise @малое предприятие small enterprise @среднее предприятие medium enterprise @работодатель employer @служащий employee @повышать производительность труда to raise labor productivity @хозрасчет cost accounting @себестоимость production/prime cost/ cost price, cost @самофинансирование self-financing @самоокупаемый profitable, self-subsidizing @самоокупаемостьcost recovery@биржаstock exchange/(AmE) stock market@фондовый рынок stock market @биржевой маклер broker @ценные бумаги securities @акционерное общество stock company @акция stock @портфель portfolio @доля share @коэффициент ratio @держатель акций stockholder @облигация bond @Государственная казначейская облигация @ГКО government, treasury bond (T-bill) @паевой фонд unit fund, mutual fund @котироваться be listed on stock market @котировка listing @денежная масса money supply @акционерный капиталequity capital@чистая стоимость капиталаequity investment@основной капиталfixed capital@кредитное соглашениеloan agreement@оборотный инструментnegotiated instrument@бухгалтерский учетaccounting, auditing@ревизия @контрольная проверка audit @учет и отчетность accounting and reporting @ограниченная ответственность limited liability @неплатежеспособность insolvency Syn: несостоятельность @сырье raw materials @природные ресурсы natural resources @нефтепровод oil pipeline @трубопровод pipeline @нефтяное месторождение oil field @буровая установка oil rig @выкачка pumping @промысловые скважины oil wells @торговая палата chamber of commerce @фонды предприятия factory assets/funds @отчисления payments @стимул incentive @конкуренция competition @конкурент competitor @конкурентоспособный competitive @рекламный лист descriptive materials, ad @реклама publicity, advertising, commercials @трудоемкий labor intensive @капиталоемкий capital intensive @руководство @управление @менеджмент management, administration @рабочая сила manpower @эксплуатировать to manage, run (e.g. a firm, hotel) @выпуск @объем производства output @валюта currency конвертируемая - convertible твердая - hard @свободно конвертируемая валюта @СКВ freely convertible currency @утечка капитала capital flight @вексельbill (of exchange)@переводной вексель promissory note @банкомат ATM (cash machine) @эмиссия issue @заём loan @ссуда loan @срок погашения maturity @задолженность arrears @ипотека mortgage @залог collateral @кредитодательlender@получатель borrower @безвозмездная субсидия grant @процентная ставка interest rate @учетная ставка discount rate, bank rate @вклад deposit @счет 1. account 2. bill @издержки costs @затратыexpenditures@расходы expenses @наличные cash @накладные расходы overhead @обесценение @амортизация depreciation @внешняя задолженность external debt @управление риском risk management @капиталовложения @инвестиции capital investment @инвестор @вкладчик investor @поступления revenue @текучесть кадров personnel turnover @военно-промышленный комплекс @ВПК military-industrial complex @ВНП @валовой национальный продукт GNP (Gross National Product) @ВВП валовой внутренний продукт на душу населения GDP (Gross Domestic Product) per capita @фонд потребления, накопления consumption, accumulation fund @торговый оборот turnover @товарооборот commodity turnover, circulation @долгосрочныйlong-term@среднесрочный medium-term @текущие планы current plans @дефицитный scarce, rare @дефицит shortage, deficit @оптовыйwholesale@розничный retail @платежный баланс balance of payments @торговый баланс balance of trade @сальдо balance @активы assets @пассивы liabilities @Госбанк State Bank @торгпред trade representative @торгпредство trade mission @торговый советник trade/commercial counselor @прейскурант price list @внутренний рынок domestic market @пробный заказ trial order @скидка discount @пользоваться спросом to be in demand @сбыт sales @поставитьto deliver@снабжать to supply @поставщик supplier @поставка delivery @условия поставки terms of delivery @условия платежа terms of payment @фрахт freight @фрахтование chartering @страхование insurance @склад warehouse/storehouse @груз cargo @погрузкаloading@разгрузка unloading @аккредитив letter of credit @рассрочка платежа credit terms, installment payment plan @торги @заявка на торгах @предложение bid @тендерtender@коносамент bill of lading @запчасти spare parts @фактура invoice @посредник agent, intermediary @подрядчик contractor @закупить to buy/purchase @закупка procurement @заказчик client/customer @погашение кредитов repayment of credit @ставка возмещения rate of reimbursement @брать на себя расходы to cover expenses @пошлина tariff @паушальная сумма lump sum @КПД @коэффициент полезного действия efficiency @забраковать to find/turn out to be defective/ substandard/reject @порча damage @понесенные убытки losses sustained/incurred @передать дело в арбитраж to submit dispute to arbitration @экспортировать to export @экспортные поступления export earnings @импортировать to import @запатентовать to patent @секвестр budget cuts @Налоговый кодекс Tax code @подоходный налог income tax @налог на добавленную стоимость @НДС value-added tax (VAT) @налогообложение taxation @подлежать налогообложению taxable @подать налоговую декларацию to file taxes @налоговая декларация tax return @освобожденный от налогов, tax-exempt @не облагаемый налогом, @не подлежит налогообложению @налоговые льготы tax privileges, tax relief @уклонение от налогов tax evasion @вычитать @списать с налогов to deduct, write off from taxes @недоимка non-collected taxes @недоимщик tax payer in default @сбор налогов tax collection @Словарь переводчика-синхрониста (русско-английский) > ЭКОНОМИКА БИЗНЕС И ФИНАНСЫ
-
20 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.————————————————————————————————————————
- 1
- 2
См. также в других словарях:
self-insurance fund — Reserve Re*serve , n. [F. r[ e]serve.] 1. The act of reserving, or keeping back; reservation. [1913 Webster] However any one may concur in the general scheme, it is still with certain reserves and deviations. Addison. [1913 Webster] 2. That which … The Collaborative International Dictionary of English
self–insurance — self–in·sur·ance /ˌself in shu̇r əns, in ˌshu̇r / n: insurance of oneself, one s interests, or one s components (as of a governmental unit) through the use of a fund that one maintains to cover losses Merriam Webster’s Dictionary of Law. Merriam… … Law dictionary
self-insurance — /self in shoor euhns, self /, n. insurance of one s property or interests against possible loss by the establishing of a special fund for the purpose instead of seeking coverage with an underwriter. [1895 1900] * * * … Universalium
National Insurance Fund — The National Insurance Fund represents the funds of the National Insurance Scheme, set up by the British Government following World War II. In the Beveridge Report this was designed as part of a universal insurance system for all British people.… … Wikipedia
self-insurance — The practice of setting aside a fund to meet losses instead of insuring against such through insurance. A common practice of business is to self insure up to a certain amount, and then to cover any excess with insurance. Workers compensation… … Black's law dictionary
self-insurance — /sɛlf ɪnˈʃɔrəns/ (say self in shawruhns) noun 1. the insuring of one s property, etc., through oneself, as by setting aside a fund for the purpose. 2. the amount by which the actual value of one s property exceeds the cover provided by an… …
self-insurance — noun Date: circa 1897 insurance of oneself or of one s own interests by the setting aside of money at regular intervals to provide a fund to cover possible losses … New Collegiate Dictionary
insurance reserve — Reserve Re*serve , n. [F. r[ e]serve.] 1. The act of reserving, or keeping back; reservation. [1913 Webster] However any one may concur in the general scheme, it is still with certain reserves and deviations. Addison. [1913 Webster] 2. That which … The Collaborative International Dictionary of English
fund — 1 n 1: a sum of money or other resources whose principal or interest is set aside for a specific objective cli·ent security fund: a fund established by each state to compensate clients for losses suffered due to their attorneys misappropriation… … Law dictionary
Insurance — This article is about risk management. For Insurance (blackjack), see Blackjack. For Insurance run (baseball), see Insurance run. In law and economics, insurance is a form of risk management primarily used to hedge against the risk of a… … Wikipedia
insurance — A contract whereby, for a stipulated consideration, one party undertakes to compensate the other for loss on a specified subject by specified perils. The party agreeing to make the compensation is usually called the insurer or underwriter; the… … Black's law dictionary