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題 名 | 產物保險整體經營利潤之費率訂價 |
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作 者 | 淩寶; | 書刊名 | 中華民國精算學會會報 |
卷 期 | 21:1 1997.10[民86.10] |
頁 次 | 頁160-170 |
分類號 | 563.75 |
關鍵詞 | 產物保險; 經營利潤; |
語 文 | 中文(Chinese) |
中文摘要 | 傳統產物保險費率厘訂的方法,一般而言,均是集中在預測未來期間的損失成本 (純保費 ),然後再加上承保費用,便得到了總保費。 此種傳統方法的最大缺點是未能適當 地同時考量保險公司承保及投資經營活動。本文不僅提供了保險經營的學理依據,同時提供 了在承保及投資總利潤之下,衡量產物保險預期損失率的方法。整體經營利潤的費率厘訂基 本原則在於在未來的期間中,預期的保費收入加上預期的投資利潤應足夠支付未來時間內的 所有損失、理賠費用及承保費用,同時再保証保險公司可以得到適當合理的利潤。 |
英文摘要 | The traditional ratemaking approach is generally to concentrate on projecting the prospective losses and then load on underwriting expenses. The major disadvantage of this approach is the lack of proper cosideration of both underwriting and investing activities. This paper provides a method to measure the total return from both underwriting and investment and to calculate the expected loss ratios for property and casualty ratemaking purposes. The expected loss ratios under the total return approach could assure that the prospective premium incomes plus the prospective investment incomes be anticipated to be sufficient to pay all losses and expenses, and also assure a reasonable return for the insurance company. |
本系統中英文摘要資訊取自各篇刊載內容。