金融類英譯香港繁體翻譯測試

Logan 2018年9月3日 20:52
翻译习作

(原文) Life insurance is a way to mitigate the risk of potential financial loss for a client. Mitigating financial risk usually refers to making something less severe, serious or painful to experience. To understand this, an advisor should first assess the potential risks that a client could be exposed to, the likelihood of such events occurring, and their impact (in financial terms).

Some are so unlikely that the client may decide the cost to mitigate would far outweigh any benefits that could be gained. Alternatively, they may believe that the potential impact from an event occurring makes it highly appropriate to take some form of action, either through providing a pot of money to be utilized on such an occasion, or by taking out protection cover against that eventuality occurring. Clients therefore need to consider the types of event that could have an impact, and the financial requirements that would sit alongside those events.

Most clients understand, in high-level terms, that an event such as death would have an important impact on their financial position, but many have either chosen not to cover themselves, or have not covered themselves to the required extent, (often as they do not fully understand the impact of this).

There is a significant difference between perceived needs, identified needs and established needs for protection:

Perceived needs: What the client advisor and/or the client think they need Identified needs: After fact finding with the client, a real need is uncovered based on facts Established needs: Client understands and knows the consequences of action or inaction

(譯文) 人壽保險能有效降低客戶蒙受財務損失的風險。降低財務風險的意思是指減輕由於嚴重、重大而痛苦的經歷造成的破壞性後果。有見及此,顧問應該首先評估客戶將會面臨什麼潛在風險,評估此類事件發生的可能性及其影響(以金融學的表達)。

有些情況是不太可能會發生的,客戶可能會減少為此付出阻止它發生的成本,以免預防成本比可能的獲利還高。或者他們可能覺得發生一件不幸事件的潛在影響,會使他們採取某種形式的避險,例如提供一大筆錢來消除不良影響,或者採取一些保護措施來避免發生這種不幸事件的可能性。因此,客戶需要考慮各種不幸事件的類型,以及避免這些風險的財務預算。

大多數客戶其實能夠認知到死亡之類的不幸事件會大大影響他們的財務狀況,但許多客戶並沒有保障好自己,或者沒有保障範圍不夠,(通常是因為他們不完全理解保障的意義)。

感覺有需要、了解需要什麼和確定需要什麼,這三者之間存在顯著分別:

感覺有需要:理財顧問或客戶覺得他們需要什麼 了解需要什麼:了解客戶的現實情況後,根據了解到的事實來發現真正的需求 確定需要什麼:客戶清楚理解到做什麼或不做什麼的後果

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