solvency

However, behind the scenes of the fast development in insurance industry, its profit from the insurance coverage appears to be in deficit during the recent three years, and the incapacity on insurance solvency is becoming increasingly an outstanding issue.

然而，在保险行业飞速发展的背后，保险公司承保收益在这三年却一直处于亏损状态，偿付能力不足的问题日益突出。

These three indicators are: rate of return on behalf of the total assets of profitability, growth rate of main business income on behalf of listed companies and the growth rate of assets and liabilities on behalf of solvency.

这三个指标分别是：总资产收益率代表盈利能力，主营业务收入增长率代表上市公司的成长性和资产负债率代表偿债能力。

Generally, most firms should arrange their assets in the view of profit purpose, and they can't have enough cash and cash equivalents to maintain their liquidity and solvency, the figure of cash ratio can't be expected higher.

一般说来，大多数企业出于盈利目的考虑，不会安排足够的现金来维持它们的流动性和偿还能力，现金比率不能指望过高。