保險(xiǎn)費(fèi)率厘定ppt課件(編輯修改稿)
2025-06-02 02:14 本頁面
【文章內(nèi)容簡介】 tors 損失發(fā)展因素 Inflation 通貨膨脹 Other time dependent factors (auto insurance) 其它受時(shí)間影響的因素（機(jī)動(dòng)車輛保險(xiǎn)） Traffic density 交通擁擠度 Law enforcement efforts 法律執(zhí)行力度 Legal rules governing loss settlements 陪付結(jié)算的法律條例 Trending adjusts for time dependent factors 對(duì)受時(shí)間影響的因素進(jìn)行趨勢(shì)調(diào)整 Severity 額度 Frequency 頻率 10 Ratemaking Methods 保險(xiǎn)費(fèi)率厘定的方法 Loss ratio method 損失率方法 Percent rate change = (AE)/E 百分率變化 A = Actual loss ratio 實(shí)際損失率 E = Expected loss ratio 期望損失率 = 1 – Expense Ratio – Underwriting Profit Margin 1 – 費(fèi)用比率 – 承保利率 Pure premium method 純保險(xiǎn)費(fèi)方法 G = (P+F)/(1V) G = Gross premium 保險(xiǎn)費(fèi)總額 P = Pure premium = frequency x severity 純保險(xiǎn)費(fèi) F = Fixed expenses 固定費(fèi)用 V = Variable expenses (and profit) 可變費(fèi)用（利潤） 11 Examples Loss Ratio Method Actual LR = 66% Expected LR = 60% Percent rate change = (6660)/60 = +10% Pure Premium Method Pure premium = 400 Fixed expenses = 50 Variable expenses = 25% Gross premium = (400+50)/() = 600 12 Methods for Determining the Appropriate Profit Margin – 1 確定恰當(dāng)利潤率的方法 Standard Underwriting Profit Margin 標(biāo)準(zhǔn)承保利潤率 5% (or some other constant) （ 或其它常數(shù)） Ignores investment ine 忽略投資收益 Ignores leverage (Premium/Surplus ratio) 忽略（保險(xiǎn)費(fèi) /盈余）比率 Standard Profit Margin minus Investment Ine 標(biāo)準(zhǔn)
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