来自《耶鲁大学开放课程：金融市场 第5集 第5集》
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sufficiently high probability--面临大量的保单赔付 -
that even if they get a bad draw他们仍然有充分能力 -
and there are a lot policies that require paying out,来应付这种状况 -
that these reserves will satisfy.也就是说准备金必须足够多 -
An insurance company must hold the reserves;保险公司必须持有准备金 -
it can hold more and that's called the statutory surplus.可以提取更多准备金 这叫做法定盈余 -
The reserves are an accounting entry--提取准备金就要做会计分录 -
it's how much they are required to hold,由相关部门的规定 来提存一定量的准备金 -
but the companies will hold more than that,但是保险公司可以持有更多的准备金 -
typically, in order to protect themselves--通常 多提存是为了 -
more than is required--and their policy holders--保护他们自己以及投保人 -
more than is required by the regulators.于是持有更多准备金