美国华盛顿论文代写:保险是预测未来风险

Keywords:美国华盛顿论文代写:保险是预测未来风险

保险是预测未来风险，防范未来经济损失的一种手段，在现代社会具有重要意义。保险使社会和经济受益，保护消费者和商业交易，并提供灾后恢复(Marquit)。据估计，2015年美国的净保费总额为1.2万亿美元(“行业概况”)，可投资于债券、股票等不同领域，产生利润，为经济做出贡献(Marquit)。整个保险业经历了各种形式的不断变化和发展;本文主要考察了2007-2009年金融危机后，政府对保险业的监管以及保险公司所取得的进步。保险公司作为金融中介，从客户那里获得资金，然后进行投资。下图1显示，2000年保险公司占金融中介资产的市场份额约为14.6%(“银行的经济功能是什么?”)，显示保险公司在市场上的重要性，因为它们在金融市场上扮演着重要的角色，发挥着重要的功能。此外，保险公司还具有金融中介机构的五项功能，即“集中储蓄、保管和会计、提供流动性、分散风险、收集和处理信息服务”。切凯蒂和舍恩霍兹认为，这些功能有助于保险公司降低交易成本，平稳运作，然后为客户提供专门的服务。
美国华盛顿论文代写:保险是预测未来风险
 Insurance is a means of predicting future risks and protecting against future financial losses, and it is of great significance in the modern society. Benefitting the society and the economy, insurance protects consumer and business transactions, and it provides recovery from catastrophes (Marquit). It is estimated that the total net premiums written in the United States was 1.2 trillion dollars in 2015 (“Industry Overview”), which could be invested in various areas, such as bonds and stocks, to generate profits and make contributions to the economy (Marquit). The overall insurance industry has experienced constant changes and developments of various formats; this paper would mainly examine the government’s regulations of the insurance industry after the financial crisis of 2007-2009 as well as the improvements that insurance companies have achieved.As financial intermediations, insurance companies receive funds from customers and then make investment. Figure 1 below shows that insurance companies comprise around 14.6% market share of financial intermediary assets in 2000 (“What Is the Economic Function of a Bank?” ), indicating the great importance of insurance companies in the market as they play an essential role in the financial market with their crucial functions. What’s more, insurance companies also share the five functions of financial intermediaries, which are “pooling savings, safekeeping and accounting, providing liquidity, diversifying risk, and collecting and processing information services”. According to Cecchetti and Schoenholtz, these functions help insurance companies to lower transaction costs, operate smoothly, and then provide specialized services to customers.