溢价（premium）是一个证券市场术语，指所支付的实际金额超过证券或股票的名目价值或面值。而在基金上，则专指封闭型基金市场的买卖价高于基金单位净资产的价值。我们通常说一支股票有溢价，是指在减掉各种手续费等费用之后还有钱（发行股票的成本较为复杂，它一般包括两个方面：一是纯粹的发行费用，即股票发行人在发行过程中支出的相关费用，如股票印刷费用、承销费用、宣传费用、其他中介服务机构的费用等；二是发行公司每年对投资者支付的股息。因此，发行股票的成本与实际筹资额的比率等于股息除以扣除纯粹发行费用后的发行价格，）。我们说一支股票有多少的溢价空间，是指离我们判断这支股票的目标价格和股票票面价格之间的价差。溢价是指交易价格超过证券票面价格，只要超过了就叫做溢价。溢价空间是指交易价格超过证券票面价格的多少。为了更好的理解该词，以下是其英文释义：Premium has multiple meanings in finance, with the first being the total cost to buy an option. A premium is also the difference between the price paid for a fixed-income security and the security's face amount at issue. Finally, premium is also the specified amount of payment required periodically by an insurer to provide coverage under a given insurance plan for a defined period of time.

双语例句：

（1）The concept of a bond price premium is directly related to the principle that the price of a bond is inversely related to interest rates; if a fixed-income security is purchased at a premium, this means that then-current interest rates are lower than the coupon rate of the bond. The investor thus pays a premium for an investment that will return an amount greater than existing interest rates.

债券价格溢价的概念与债券价格与利率成反比的原理直接相关；若以溢价购买固定收益证券，则意味着当前利率低于债券的票面利率。因此，投资者为回报率高于现有利率的投资支付溢价。

但是premium除了有溢价的意思外，还有保费，额外费用的意思，如：

（2）Premiums are paid for many types of insurance, including health insurance, homeowners and rental insurance. A common example of an insurance premium comes from auto insurance. A vehicle owner can insure the value of his or her vehicle against loss resulting from accident, theft, fire and other potential problems. The owner usually pays a fixed premium amount in exchange for the insurance company's guarantee to cover any economic losses incurred under the scope of the agreement. Premiums are based on both the risk associated with the insured and the amount of coverage desired.

保险费是为许多类型的保险支付的，包括健康保险，房主和租房保险。保险费的一个常见例子来自汽车保险。车主可以为他或她的车辆投保，以防事故、盗窃、火灾和其他潜在问题造成的损失。业主通常支付固定的保险费，以换取保险公司对本协议范围内发生的任何经济损失的担保。保险费基于与被保险人相关的风险和所需的保险金额。