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赔付率是反映保险企业经济效益的一个重要指标.一些分支公司经常感到困惑不解的是:在保费收入增长很快(如40%以上)、赔付率并不很高(如60%左右)的情况下,经济效益却并不很好,甚至发生亏损.其原因就在于目前统计中采用的赔付率计算方法不科学.这种方法是以当年已决赔款与当年保费收入之比来计算一年期及一年以内业务的赔付率,即:赔付率=某年度已决赔款/该年度保费收入×100%—我们称用这种方法计算的赔付率为“简单赔付率”.由于保险业务是跨年度连续经营的.每一年的赔款支出中,既有当年承保、收费的保单所发生的赔款支出,也有上年度承保、收费的保单所发生的赔款支出.
Reimbursement rates are an important indicator of the economic performance of insurers, and some affiliates often find it puzzling: With premium income growing rapidly (eg above 40%) and underpaid claims (eg around 60%) In the case, the economic benefits are not very good, or even loss occurred because of the unscientific method of calculating the loss ratio used in the current statistics. This method is based on the calculation of the ratio of the sum of the compensation settled in the current year and the premium income of the year Payout ratio = Payout ratio = compensation for a given year / Premium income for the year × 100% - We claim that the payout ratio calculated in this way is “simple payout ratio.” Since the insurance business is Continuous operation over the year.Every year the compensation payments, both the current insurance coverage, insurance policy claims incurred expenditures, but also the insurance policy of the previous year, incurred compensation expenses incurred.