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為替変動が自社の事業に及ぼす影響について説明しよう

Foreign Exchange Rates & The Company.
あなたは為替変動が自社の事業に及ぼす影響について説明しています。
為替変動による影響をどのように受けるかは、企業の将来性を見極めるためのポイントのひとつです。影響が大きい場合もそうでない場合も、その理由も含めて説明できるようにしましょう。
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Have the fluctuations in the Foreign Exchange Rates had an impact on your business?
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Have the fluctuations in the Foreign Exchange Rates had an impact on your business?

Yes, they have. We are working at a Japanese life insurance company mainly treating multiple products denominated in the foreign currencies. Therefore, the fluctuations in the foreign exchange rates impact our sales of new business. The recent trend the JPY getting stronger compared to the USD is favorably accelerating sales.

自然な表現

Yes, they have. We are working at a Japanese life insurance company mainly treating multiple products denominated in foreign currencies. Therefore, the fluctuations in the foreign exchange rates impact our sales of new businesses. The recent trend in which the JPY is getting stronger compared to the USD is favorably accelerating sales.

1. This is general. You are talking about foreign currencies that have not been specified, so the definite article in unnecessary.
2. Also general.
3. Introduce a new clause to explain the idea (the recent trend)
4. A verb is needed for clauses.
That's good to hear. Could you state some products that your company offers life insurance for? Also, have you experienced a significant setback in sales?

Sure. My company is life insurance company. Primary products include a whole life product denominated in USD, and retirement income product denominated in both JPY and USD.
Yes, we have. Such significant setback occurred when prices of multiple products were changed. When it comes to the premium price of our life insurance products, the interest rate is one of the key components. The interest rate of the JPY has been lower, around 0.4% for a 10 year bond, while that of the USD has been increasing to around 3%. Can I furthre explain, or please free to ask any questions.

自然な表現

Sure. My company is a life insurance company. Primary products include a whole life product denominated in USD, and a retirement income product denominated in both JPY and USD.
Yes, we have. Such significant setback occurred when prices of multiple products were changed. When it comes to the premium price of our life insurance products, the interest rate is one of the key components. The interest rate of the JPY has been lower, around 0.4% for a 10 year bond, while that of the USD has been increasing to around 3%. Can I further explain? Please feel free to ask any questions.

1. Company is a count noun.
2. Quantify this just like how you quantified the previous product.
3. Separate the two sentences because these are two different kinds of sentences--declarative and interrogative.
4. The verb is feel.
Please, continue with your presentation. I would like to hear more about it. I will ask questions later. Thank you.

One of the reasons why the USD interest rate is so much higher than the JPY's is the strong economy in the US supports the higher interest rate of the USD partially due to Trump's strong politics which drives the US economy to be more favorable, as opposed to the lower growth in the JPY that has been below the mid-term target of 2%.
If the value of JPY goes down, emerging customers who are sensitive to economic market won't buy insurance because they pay larger money of premium.

自然な表現

One of the reasons why the USD interest rate is so much higher than the JPY's is the strong economy in the US supports the higher interest rate of the USD partially due to Trump's strong politics, which drives the US economy to be more favorable, as opposed to the lower growth in the JPY that has been below the mid-term target of 2%.
If the value of JPY goes down, emerging customers who are sensitive about the economic market won't buy insurance because they pay larger premiums. 

1. Use a comma to introduce a new clause.
2. Use this preposition to express that the next phrase is concerning the previous one.
3. This is already specific at this point.
4. Premium already means money paid regularly for insurance.
Please continue if you have more to say. I will ask questions once you are done. Thank you very much.

Besides, existing policyholders who are sensitive to economic market would likely surrender the insurance contracts. As a result, insurance companies lose opportunities of earning profits from insurance policyholders. This is paradoxical because insurance company still holds FX risk in the meaning of fluctuations on the profits of financial statement while FX risk associated with the insurance contracts is transferred to policyholders.
On the other hand, from the perspective of our parent company, changes in foreign currency exchange rates create a risk that may contribute to the volatility of the U.S. dollar equivalent earnings and equity of these operations.

自然な表現

Besides, existing policyholders who are sensitive about the economic market would likely surrender their insurance contracts. As a result, insurance companies lose opportunities of earning profits from insurance policyholders. This is paradoxical because insurance companies still hold FX risk in that fluctuations on the profits of financial statement while FX risk associated with the insurance contracts are transferred to policyholders.
On the other hand, from the perspective of our parent company, changes in foreign currency exchange rates create a risk that may contribute to the volatility of the U.S. dollar equivalent earnings and equity of these operations.

1. If you can use a possessive instead of the definite article, use it. It make it more specific.
2. We are talking about the industry in general, so use the plural form.
3. "in that" means for the reason that.
4. The subject is plural.
That's a really good perspective, but you know, laymen might not appreciate it. How informed are policyholders about this? How much do they understand?

Good question. I think insurance products are black box to general people because the products have complex features and insurance companies don't disclose any details on the mechanism of product pricing so much, such as suffiencient profit and margin for providers side. However, some magazines embrace the insurance products, which attracts the people who are information adoptive and interested in financial and insurance products.

自然な表現

Good question. I think insurance products are a black box to general people because the products have complex features and insurance companies don't disclose any details on the mechanism of product pricing so much, such as sufficient profit and margin for providers side. However, some magazines embrace the insurance products, which attract the people who are information adoptive and interested in financial and insurance products.

1. Black box (informal) is singular.
2. The clause is about "products".
  • fluctuation(変動)
  • intervention(市場介入)
  • floating exchange rate system(変動相場制)
  • supply(供給)
  • demand(需要)
  • We're certain that overseas sales will increase this time.(今回、海外売り上げは必ず上がると見ています。)
  • The growth of Exchange Rates far exceeded our expectations.(為替変動率の上昇は、私たちの予想をはるかに超えるものでした。)
  • Our business lines will not face serious damage by fluctuations in the Foreign Exchange Rates.(外国為替の変動によって、私たちの事業部門が深刻なダメージを受けることはないでしょう。)
  • We should recognize the real situation and make future counter-plans after fluctuations.(私たちは現状を認識し、変動後の対策案を立てるべきです。)
  • The resulting impact of fluctuations in the foreign exchange rates will seriously affect our company.(為替変動による私たちの会社への影響は深刻だと思われます。)

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