z********u
发帖数: 30 | 1 ...
In earlier posts Becker and I have discussed whether the financial crisis is
a
liquidity crisis, a solvency crisis, or both.
...
liquidity crisis是市场风险增加导致金融机构的资产比如次贷债券被低估
但是和solvency crisis 表现出来不都是金融机构没钱了吗
难道说solvency crisis论点认为资产目前的价格是真实的水平，已经成为坏账了?
谁给普及下。 |
|
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s*******0
发帖数: 3461 | 3 solvency II 貌似已经出来很久了
怎么到现在 没有什么好的书籍介绍？
感谢了 链接 很有用 |
|
f*******e
发帖数: 1300 | 4 Handbook of Solvency for Actuaries and Risk Managers:
Theory and Practice
I have looked at this book very quickly, and I think it's a good reference |
|
U*****e
发帖数: 2882 | 5 我感觉，liquidity crisis是说货币流通不畅，企业难借钱;solvency crisis是说企业
本身资不抵债，债主收钱难。两者应该有联系但不是一回事。
is |
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m********5
发帖数: 619 | 6 I don't know the answers to this question
but from ACCN 101
liquidity measures an entity's ability to cover short-term obligation
and solvency measures an entity's ability to cover long-term obligation
is |
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z********u
发帖数: 30 | 7 这样看来
liquidity crisis论点认为次贷债券长期来说还是价值
sign 经济系统这是复杂，到现在金融系统到底啥问题都没搞清楚啊
各位大侠们怎么看，是liquidity or solvency crisis,
我个人感觉这些资产是不是长期坏账就看市场信心了。。 |
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z********u
发帖数: 30 | 8 是啊 貌似很简单啊
不过如果这么简单 大家都在吵啥呢。Bolson不会不知道这点吧
貌似Krugman观点比较明确，说是solvency crisis, 也没说啥原因
其他如Gary becker都很保守。
问题是明显是Bolson对金融系统更了解。。迷惑中
问题， |
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f*****0
发帖数: 489 | 9 liquidity crisis is one where perfect good companies don't have cash,
because the capital markets are shut down, to cover their obligations. they
may be highly profitable and have enterprise value but face bankruptcy just
becaause they don't have enough cash to pay their vendors and employees.
This is caused by capital market dislocation.
a solvency crisis is where companies are insolvent - their assets don't
cover their liabilities, or being perceived to be so. for example, a bank
suffering tre |
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g********2
发帖数: 6571 | 10 This ranking of the 50 states and Puerto Rico is based on their fiscal
solvency in five separate categories:
Cash solvency. Does a state have enough cash on hand to cover its short-
term bills?
Budget solvency. Can a state cover its fiscal year spending with current
revenues, or does it have a budget shortfall?
Long-run solvency. Can a state meet its long-term spending commitments?
Will there be enough money to cushion it from economic shocks or other long-
term fiscal risks?
... 阅读全帖 |
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c*******n
发帖数: 75 | 11 solvency II, solvency II, solvency II, solvency II........... |
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c****x
发帖数: 6601 | 12 从回购利率暴涨谈美国经济周期（2019/10/01）
王孟源
事实与逻辑10-02 06:04
在两周前（九月16日和17日），美国银行之间的回购利率（Repo Rate）忽然从年利率2
%蹿升到10%，随即引发了全球媒体的关注和联储会的介入。当时就有读者发问，但是因
爲幕后的真正动力一开始无法确定，所以我决定等到月底，刚好是第三季结束，再做观
察评论。
首先，我们必须解释一下回购是怎么一回事。Repo并不是Repossession（强制扣押抵押
品）的缩写，而是Repurchase Agreement（我也不知道爲什么缩写成Repo而不是Repa或
Repur）的意思。它其实就是一个很简单的，有抵押品的贷款（Secured Loan），只加
上一个小小的变动。假设A要向B借钱，如果用的是普通的贷款，那么到期A还不出钱来
，抵押品在法律上还是A的财产，B必须到法庭走程序来扣押它，这代表著额外的时间、
费用和风险，所以美国的银行就发明了Repo，也就是A直接把抵押品依贷款额卖给B，但
同时又签一个回购契约，到期B再把抵押品以本金加利息的价钱卖囘给A。从经济观点来
看，这和贷款没有任何差别... 阅读全帖 |
|
c****x
发帖数: 6601 | 13 从回购利率暴涨谈美国经济周期
http://blog.udn.com/MengyuanWang/129793418
在两周前（九月16日和17日），美国银行之间的回购利率（Repo Rate）忽然从年利率2
%蹿升到10%，随即引发了全球媒体的关注和联储会的介入。当时就有读者发问，但是因
爲幕后的真正动力一开始无法确定，所以我决定等到月底，刚好是第三季结束，再做观
察评论。
首先，我们必须解释一下回购是怎么一回事。Repo并不是Repossession（强制扣押抵押
品）的缩写，而是Repurchase Agreement（我也不知道爲什么缩写成Repo而不是Repa或
Repur）的意思。它其实就是一个很简单的，有抵押品的贷款（Secured Loan），只加
上一个小小的变动。假设A要向B借钱，如果用的是普通的贷款，那么到期A还不出钱来
，抵押品在法律上还是A的财产，B必须到法庭走程序来扣押它，这代表著额外的时间、
费用和风险，所以美国的银行就发明了Repo，也就是A直接把抵押品依贷款额卖给B，但
同时又签一个回购契约，到期B再把抵押品以本金加利息的价钱卖囘给A。从经济观点来
看，... 阅读全帖 |
|
c****x
发帖数: 6601 | 14 从回购利率暴涨谈美国经济周期
http://blog.udn.com/MengyuanWang/129793418
在两周前（九月16日和17日），美国银行之间的回购利率（Repo Rate）忽然从年利率2
%蹿升到10%，随即引发了全球媒体的关注和联储会的介入。当时就有读者发问，但是因
爲幕后的真正动力一开始无法确定，所以我决定等到月底，刚好是第三季结束，再做观
察评论。
首先，我们必须解释一下回购是怎么一回事。Repo并不是Repossession（强制扣押抵押
品）的缩写，而是Repurchase Agreement（我也不知道爲什么缩写成Repo而不是Repa或
Repur）的意思。它其实就是一个很简单的，有抵押品的贷款（Secured Loan），只加
上一个小小的变动。假设A要向B借钱，如果用的是普通的贷款，那么到期A还不出钱来
，抵押品在法律上还是A的财产，B必须到法庭走程序来扣押它，这代表著额外的时间、
费用和风险，所以美国的银行就发明了Repo，也就是A直接把抵押品依贷款额卖给B，但
同时又签一个回购契约，到期B再把抵押品以本金加利息的价钱卖囘给A。从经济观点来
看，... 阅读全帖 |
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T**********1
发帖数: 2406 | 15 Europe has a solvency problem, not a liquidity problem. Liquidity problem
is only the symptom of the solvency problem.
Using ECB to inject liquidity can only inflate asset prices, causing further
misallocation of capital. This is exactly what happened in the 1930s
Weimar Republic. We all know what happened afterwards. |
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l****z
发帖数: 29846 | 16 Durbin (Again) Denies Social Security’s Red Ink
by Eugene Kiely
Sen. Richard Durbin says that “Social Security does not add one penny to
our debt.” That’s false. It was wrong 21 months ago, when Durbin said it
once before, and it’s even more off the mark now.
The federal government for the first time in its history had to borrow money
in 2010 to cover Social Security benefits to retired and disabled workers
— a trend that worsened in 2011 and will not change at any point in the
future unless cha... 阅读全帖 |
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c********u
发帖数: 1177 | 17 “只要政府不禁止民间资本” 什么政府？ 中央政府？ 地方政府？ 你不是一直说
地方政府不听中央的么？ 万一中央政府不禁止民间资本， 落实到省，市， 地方政府
给你禁了咋办？ 您自己不觉得自己矛盾么？
SS 你这是怎么理解的
obama哪里写了medicare是大头？ 他通篇提到medicare是大头？
他这篇写的很清楚 给你摘一段：
Social Security is a pay-as-you-go system, which means that payments
collected today are immediately used to pay benefits. Until recently, more
payments were collected than were needed for benefits. So Social Security
loaned the money to the U.S. government, which used it for other things.
这说了，SS收到的钱大于需要的钱， 钱花不完，所以借给美国政府做别的... 阅读全帖 |
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B******e
发帖数: 16928 | 19 这么说吧，西超双熊工资支出很高，因为工资不能拖欠，所以current period expense
相当的高，可能会在某些时候出现liquidity problem，需要raise short-term debt来
allieviate,但是西超双熊本身的revenue generation ability，声望(intangible
asset)以及政府的implicit guarantee保证不会有solvency problem
曼联的问题在于high leverage,于是每年的interest expense放在那里很高，如果
generated cash不足以cover interest expense就有technical default的risk，那么
debtholder可以take control，为了还债可以首先卖队里的明星球员来raise money，
所以曼联的问题更严重，因为是solvency problem. |
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f******o
发帖数: 86 | 20 We need to fill a senior actuarial analyst role here in Toronto.
The ideal candidate should have 3~5 years of relevant experience and 5+
exams. The ideal candidate should be a self starter and should require
minimal supervision.
SAS experience a major plus
prior corporate actuarial role a major plus
prior technical/modelling experience a major plus
also good to have working knowledge of insurance balance sheet and Solvency
II
If interested, please pm me your resume. oh btw, the role is related... 阅读全帖 |
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q******s
发帖数: 7469 | 21 【 以下文字转载自 WorldNews 讨论区 】
发信人: quovadis (my shit is your gourmet), 信区: WorldNews
标 题: TG的大公评级降低美国债信用到A+，美债今天跌盘报收
发信站: BBS 未名空间站 (Tue Nov 9 22:20:08 2010, 美东)
小将今天都没有注意这个? 大公评级公司是TG承认的5个评级公司之一，今天以米犹的
联储大印钞票为理由，把美国国债的信用评级从AA降到A+,而TG的国债评级比米国高。
大公前两年想打入美国市场，结果连续被犹太人SHAPIRO控制的SEC否决了2次。
下午国债就无缘无故的迭跌不休，谣言传来说是中国降低了美债的信用评级，交易大厅
的头斥之以鼻的说土共敢吗?然后谣言证实后就一堆分析师说这个TG 有政治目的的，然
后说美国的国债是全世界的评级基准，中国哪里有权来乱评。不过下班前好像以美债为
基准的信用相关的债券SPREAD都变宽了。
China’s Dagong Lowers U.S. Credit Rating on Fed Monetary Policy
2010-11-09 ... 阅读全帖 |
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p******o
发帖数: 9007 | 22 你这都不知道，太业余了
http://www.voxeu.org/article/short-selling-bans-crisis-misguide
On 19 September 2008 – just as the failure of Lehman Brothers had shaken
investors’ confidence in banks’ solvency and sent stocks into freefall –
the US Securities and Exchange Commission (SEC) prohibited “short sales”
of financial companies’ stocks. The hope was that this would stem the tide
of sales and help support bank stock prices. |
|
发帖数: 1 | 23 12月 谈谈间谍问题
我一直感觉Reuters 有日本的间谍，他们会通过报道来传递针对华人屠杀的计划，和发
布不利于华人的报道，制造舆论。最重要他们后边的势力和犯罪集团有关。有必要好好
调查这个组织。
How top U.S. colleges hooked up with controversial Chinese companies
By Steve Stecklow and Alexandra Harney
Filed Dec. 2, 2016, noon GMT
New Oriental, China’s biggest private educator, has been accused of
academic fraud. Thanks to two enterprising Americans, it has also gained
access to leading U.S. college admissions officers.
SHANGHAI/SHELTER ISLAND, New York - Thomas Benson once ran a small... 阅读全帖 |
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W*****B
发帖数: 4796 | 24 床铺螳臂当车，白人成为少民已是大势所趋。美国即使现在完全停止移民，白人最终也
将成为少民。只是时间早晚问题。
ANALYSIS
President Trump's proposal to cut legal immigration rates would
delay the date that white Americans become a minority of the population by&#
160;as few as one or as many as five additional years,
according to an analysis by The Washington Post.
The plan, released by the White House last month, would scale back a
program that allows people residing in the United States to sponsor family
members living abroad ... 阅读全帖 |
|
发帖数: 1 | 25 鍙湅鍒拌〃璞★紝娌℃湁鍟ユ繁鍒昏瑙ｃ
Housing market reminiscent of 2006 bubble, ready to burst 鈥Nobel Prize-
winning economist Shiller
Published time: 5 Nov, 2018 06:40
The weakening housing market is similar to the last market high, just before
the subprime housing bubble burst a decade ago, says famed housing-watcher
Robert Shiller.
The economist, who predicted the 2007-2008 crisis, told Yahoo Finance that
current data shows 鈥渁 sign of weakness.鈥br />
Housing pivots take more time than those in the stock market... 阅读全帖 |
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BR
发帖数: 4151 | 26 China Has a Big Economic Problem, and It Isn’t the Trade War
http://www.nytimes.com/2020/01/17/opinion/china-economy.html
...
The trade war has merely compounded an economic slowdown in China that is
substantially of the country’s own making.
...
part of the slowdown is a predictable result of deliberate government
decisions, in particular policies that favor the state sector at the expense
of the private sector — even though the state sector is woefully
inefficient, whereas the private sector l... 阅读全帖 |
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m******1
发帖数: 19713 | 27 http://www.goproud.org/goproud-unveils-2012-agenda/
The so-called “gay agenda” has been defined narrowly by the gay left. In
contrast to the approach of the left, GOProud’s agenda emphasizes
conservative and libertarian principles that will improve the daily lives of
all Americans, but especially gay and lesbian Americans.
1 – TAX REFORM – We support replacing the current tax code with the Fair
Tax. The Fair Tax would treat everyone – gay or straight – equally. Until
then, we support death tax r... 阅读全帖 |
|
l****z
发帖数: 29846 | 28 http://www.usatoday.com/news/opinion/forum/2011-01-12-column12_
Biden: Payroll tax cut will create jobs
By Joe Biden
This year, January shouldn't be the month of the post-holiday doldrums. That
's because starting this week, across America, people will notice that,
thanks to the payroll tax cut included in the tax package signed by the
president in December, their paychecks will be bigger.
The tax cut decreases the federal payroll tax by 2 percentage points,
increasing the take-home pay for Amer... 阅读全帖 |
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l****z
发帖数: 29846 | 29 By Paula Dierkins
The ongoing public employees' union protests in Wisconsin against the (minor
) cut in benefits witnesses these protestors comparing their struggle to
those of the popular, spontaneous public uprising raging all over the Middle
East. Such a claim however is ludicrous and laughable. The public in the
Middle Eastern countries is revolting against government tyranny. On the
contrary, if the demands of the Wisconsin protestors are heeded, it would
result in high taxes and therefo... 阅读全帖 |
|
l****z
发帖数: 29846 | 30 Kevin D. Williamson：底特律的经验适用于整个国家，我们的公立部门不但臃肿、寄
生，而且与很多其他发达国家比起来，越来越低效，不负责任，不够诚实
Detroit: The Moral of the Story
By Kevin D. Williamson
June 8, 2012 3:18 P.M.
The Left’s answer to the deficit: raise taxes to protect spending. The Left
’s answer to the weak economy: raise taxes to enable new spending. The Left
’s answer to the looming sovereign-debt crisis: raise taxes to pay off old
spending. For the Left, every deficit is a revenue-side problem, not a
spending-side problem, and the solution to ... 阅读全帖 |
|
l****z
发帖数: 29846 | 31 By: John Glover / Bloomberg News
Posted: 06/23/2012 3:57 PM | Comments: 0 (including replies)g
As in the lead-up to the Second World War, extremists are gaining new ground
as European countries are forced to adopt strict austerity measures not
unlike what happened in 1930s Germany.
LONDON — The spectre of the 1930s financial crisis that culminated in the
rise of Adolf Hitler’s Nazi party and the Second World War is stalking
Europe.
In May 1931, Creditanstalt, founded in Vienna by the Rothschild ... 阅读全帖 |
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l****z
发帖数: 29846 | 32 Health Care
CBO projects that federal health spending will continue to be one of the
fastest-growing areas of federal spending, increasing at an average rate of
7 percent per year over the next decade. In contrast, over that same time,
GDP is expected to grow at the rate of only 2.4 percent per year.
The new baseline incorporates provisions of the 2010 health care reform act
(the Patient Protection and Affordable Care Act—or PPACA) that would expand
Medicaid, provide subsidies for health insuran... 阅读全帖 |
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l****z
发帖数: 29846 | 33 Bridget Johnson reported earlier that President Obama has appointed Ron
Klain to become Ebola czar.
Klain’s career is not in medicine, epidemiology, or any field related to
disease control or prevention.
Klain is a laywer, a K Street lobbyist, and a career Democrat party
operative. Klain is not a doctor. He is a Democrat loyalist.
Not only was he involved in Al Gore’s 2000 election recount as Bridget
reported, Klain was involved in the Obama administration’s Solyndra debacle.
In January 2012, AB... 阅读全帖 |
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c***n
发帖数: 1034 | 34 https://berniesanders.com/issues/how-bernie-pays-for-his-proposals/
不少人不断地一遍一遍地说Bernie没有具体的计划来为他的政策付款，这里有详细的解
释。
这个问题是Corporate Media为了自己的利益故意装不知道（或者有些作者自愿洗脑真
不知道，或者被心理舆论压制了而不敢说）创造出来的。
因为原文是表格，下面贴的格式乱了，直接看上面的链接吧。
Plan Payment
Rebuild America Act: Sen. Sanders has proposed a $1 trillion plan to rebuild
our crumbling infrastructure and put 13 million Americans to work. Paid
for by making corporations pay taxes on all of the “profits” they have
shifted to the Cayman Islands and other offshore... 阅读全帖 |
|
b*****d
发帖数: 61690 | 35 The White House is giving $22 million to help states push back against steep
premium hikes proposed by health insurers this year.
The new ObamaCare grants are intended to boost the built-in protection
against premium hikes that most states already have in place, known as "rate
review."
ADVERTISEMENT
Premiums are expected to rise by an average of 11 percent in most parts of
the country in fiscal year 2017, according to an alarming report by the
Kaiser Family Foundation released Wednesday.
The Oba... 阅读全帖 |
|
W*****B
发帖数: 4796 | 36 【 以下文字转载自 Military 讨论区 】
发信人: WCNMLGB (CCC), 信区: Military
标 题: 床铺的移民政策即使成功实施也只能将白人成为少民进程推迟5年
发信站: BBS 未名空间站 (Tue Feb 6 17:13:06 2018, 美东)
床铺螳臂当车，白人成为少民已是大势所趋。美国即使现在完全停止移民，白人最终也
将成为少民。只是时间早晚问题。
ANALYSIS
President Trump's proposal to cut legal immigration rates would
delay the date that white Americans become a minority of the population by&#
160;as few as one or as many as five additional years,
according to an analysis by The Washington Post.
The plan, released by the White... 阅读全帖 |
|
q******s
发帖数: 7469 | 37 小将今天都没有注意这个? 大公评级公司是TG承认的5个评级公司之一，今天以米犹的
联储大印钞票为理由，把美国国债的信用评级从AA降到A+,而TG的国债评级比米国高。
大公前两年想打入美国市场，结果连续被犹太人SHAPIRO控制的SEC否决了2次。
下午国债就无缘无故的迭跌不休，谣言传来说是中国降低了美债的信用评级，交易大厅
的头斥之以鼻的说土共敢吗?然后谣言证实后就一堆分析师说这个TG 有政治目的的，然
后说美国的国债是全世界的评级基准，中国哪里有权来乱评。不过下班前好像以美债为
基准的信用相关的债券SPREAD都变宽了。
China’s Dagong Lowers U.S. Credit Rating on Fed Monetary Policy
2010-11-09 18:38:48.197 GMT
By Joshua Fellman and Ye Xie
Nov. 10 (Bloomberg) -- China’s Dagong Global Credit Rating
Co. reduced its credit rating for the U.S. to A+ f... 阅读全帖 |
|
n******h
发帖数: 2482 | 38 Commodities are fair picks but still subject to deflating price pressure,
if the black swan event of another depression hits the world again. Gold
is the only exception as it's more of currency than commodity. It's
probably the least useful stuff but the ultimate hedge to deteriorating
sovereign solvency. Gold is not the best hedge for inflation, but it's the
best hedge for political stupidity. |
|
|
S**C
发帖数: 2964 | 40 I think the CBs did the right thing to address the liquidity issue, but the
solvency issues remain, and there is nothing much monetary side can do about
insolvency, although liquidity freeze can turn into insolvency. It buys
some time for the EU politicians. If there is not much positive followup
from the fiscal side, the market will quickly drop.
Really, I think there is only one solution that will not rock the global
economy, the Club Med give up their fiscal sovereignty in exchage for fiscal
... 阅读全帖 |
|
S*******s
发帖数: 10098 | 41 不客气。
如果上次那个陌生人无端攻击我， 而我脸皮足够厚一直没离开的话，或许当时就能帮
到你了。 象你家的这种情况， 不管你做不做我的生意， 我都可以给你一点辅助性的
help. 对Structured Settlement Annuities我略知一二，我同事应该更懂， 不过总的
来说就是要结合你孩子的需要，年金的回报率和承卖公司的长期Solvency能力。
上一个贴说起价格哪儿买都一样，这是站在客户挑选“从哪里买”的角度去谈的，而且
Term life特别属于那种情况。
现在我们换一个角度，从投资人得到的“benefit”的角度谈，每个carrier公司设计
/提供的“好处”不同， 自然Annuity和Whole life的价格/投资回报就各不相同了。经
验丰富的broker will make difference when it comes to help you select Annuity.
比如说， 某保险公司把子公司的地产旅游业， 资产管理业， 国际投资业务全都做得
特别好，那么母公司每年就能分红给他们的policy holder(相当于上市公司的
shareholer... 阅读全帖 |
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S**C
发帖数: 2964 | 42 SS never "has" money. All SS checks that seniors get are from annual general
budget, it just happened for the last several decades the SS tax collected
from working-ages are higher than SS benefit disbursed to the seniors.
It is solvency of Medicare that you need to worry about. |
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x**y
发帖数: 147 | 43 紧急咨询各位，
TAMU的博士后，J1 visa，还没有过去，系里的小秘说要先确定好头三个月的保险险种
才能给2019表，但是她又说头三个月学校是不cover费用的，要自己买。3个月之后学校
才cover90％以上的保险费用。
学校的统一保险是一个月400元左右，学校支付380元，自己支付20元。秘书说可以在我
们第三个月之后买这种的。但是现在要买这种的自己全额支付太贵了，说很多人都买外
面的保险。
俺没有在米国呆过，不知道要买什么样的啊，小秘给了好多个网站，如下
－－－－－－－－－－－－－－－－－－－－－－－－－－
Atlas America or call 888-247-1387
Compass Benefits Group or call 800-767-0169
The Harbour Group or 800-252-8160
HTH Worldwide or 888-243-2358
Renaissance Agencies, Inc. or call 800-537-1777.
Saylor & Hill Co. or call Shannon Turner at 51... 阅读全帖 |
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y***e
发帖数: 6082 | 44 问tamu的朋友啊，或者直接去他们CSSA mailing list问吧
或者去德州版问吧
紧急咨询各位，
TAMU的博士后，J1 visa，还没有过去，系里的小秘说要先确定好头三个月的保险险种
才能给2019表，但是她又说头三个月学校是不cover费用的，要自己买。3个月之后学校
才cover90％以上的保险费用。
学校的统一保险是一个月400元左右，学校支付380元，自己支付20元。秘书说可以在我
们第三个月之后买这种的。但是现在要买这种的自己全额支付太贵了，说很多人都买外
面的保险。
俺没有在米国呆过，不知道要买什么样的啊，小秘给了好多个网站，如下
－－－－－－－－－－－－－－－－－－－－－－－－－－
Atlas America or call 888-247-1387
Compass Benefits Group or call 800-767-0169
The Harbour Group or 800-252-8160
HTH Worldwide or 888-243-2358
Renaissance Agencies, Inc. or call 800-537-1777.... 阅读全帖 |
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l****o
发帖数: 258 | 45 我们这个还对保险公司又要求的，你说的这个满足着个么？
Co-insurance may not exceed 25 percent payable by the exchange visitor or
sponsor. Acceptable coverage may not exclude risks inherent in the
activities of your exchange visitor program. The company providing the
insurance must have:
◊ an A.M. Best rating of “A-“ or above;
◊ an Insurance Solvency International, Ltd. (ISI) rating of “A-1
” or above;
◊ a Standard & Poor’s Claims-paying Ability rating of “A-“ or
above; or
◊ a W... 阅读全帖 |
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s*****n
发帖数: 6 | 46 J1保险要求
An insurance policy secured to meet the benefits requirements must be
underwritten by
an insurance corporation with an A.M. Best rating of "A-" or above,
an Insurance Solvency International, Ltd. (ISI) rating of "A-I" or above,
a Standard and Poor's Claims Paying Ability rating of "A-" or above,
or a Weiss Research, Inc. rating of B+ or above.
但是比较便宜的保险公司如版上推荐的International SOS好像不在这些评级里，买了
没问题么？ |
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r*******e
发帖数: 123 | 47 我给来加州探亲的父母买了Atlas的医疗保险。之后页面弹出几个条款：
1. THE INSURANCE POLICY THAT YOU HAVE PURCHASED IS BEING ISSUED BY AN
INSURER THAT IS NOT LICENSED BY THE STATE OF CALIFORNIA. THESE COMPANIES ARE
CALLED "NONADMITTED" OR "SURPLUS LINE" INSURERS.
2. THE INSURER IS NOT SUBJECT TO THE FINANCIAL SOLVENCY REGULATION AND
ENFORCEMENT THAT APPLY TO CALIFORNIA LICENSED INSURERS.
3. THE INSURER DOES NOT PARTICIPATE IN ANY OF THE INSURANCE GUARANTEE FUNDS
CREATED BY CALIFORNIA LAW. THEREFORE, THESE FUNDS WILL NOT PAY YOU |
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u*****t
发帖数: 292 | 48 请教公派出国的保险问题---有合适的版面也请转发一下或通知我。谢谢
我有个大学同学要来美国一个大医院进修。是医院公派，这边的医院要求他先买好保险
才给正式签证的D-2019表格去签J-1.
我同学咨询了中国的平安保险有针对这种出国人员的，不过不知道到美国是否就医或医
疗保障不可靠或者应用起来有问题？
如果按照美国学院的要求在出国前我信用卡付账购买美国保险公司的保险也可以？我都
不知道美国有哪些比较可靠的保险公司，也完全不知道如何选择适合我的险种。
我出国肯定会自备很多常见疾病的药物，一些小病应该不会到医院就医，只是防备万一
。你帮我看看按照他们的最低要求，大概1年保险费是多少？毕竟这次公派出国医院所
提供的费用很有限。
美方要求的保险，有如下几条硬性指标，我列出英文原文以免我不懂保险专业用语：
1. Medical benefits of no less than $50000 per accident or illness;
2. a maximum $500 deductible per accident or illness
... 阅读全帖 |
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m*****i
发帖数: 4342 | 49 The risk is on the interest rate side not on Solvency side.
With the record low interest rate, they actually would make pretty good
money if they sell it now. |
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N********n
发帖数: 8363 | 50
When was the last time you saw a debtor spent self back to solvency? |
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