保險費率厘定ppt課件-文庫吧資料
2025-05-12 02:14本頁面
【正文】 r 1, 2022 一份保險單投保 2輛汽車 Written exposure for 2022 = 2 car years Earned exposure for 2022 = 2 x 188。 car years 6 Terminology 2 Written premium 保險費 Premiums booked 以入賬的保險費 Earned premium 滿期保險費 Prorata portion of premiums exposed to loss 按實際承擔損失比例均攤的保險費 Claim frequency 索賠頻率 Number of claims per exposure unit 每保險金額單位索賠的數(shù)量 Severity 索賠額度 Average loss per claim 每次索賠的平均賠付額 Pure premium 純保險費 Claim frequency x severity 索賠頻率乘以索賠額度 7 Terminology 3 Loss ratio: 損失率 Incurred losses plus loss adjustment expenses Earned premium （ 發(fā)生的損失 + 損失調(diào)整費用） / 滿期保險費 Expense ratio: 費用比率 （費用 / 總保險費） Expenses Written premium Surplus: 盈余 Assets – Liabilities 資產(chǎn) – 負債 8 Terminology 4 Combined ratio 聯(lián)合損失率 Loss ratio + Expense ratio 損失率 + 費用比率 Underwriting profit margin (UPM) 承保利率 1 – Combined ratio 1 – 聯(lián)合損失率 Operating ratio 經(jīng)營比率 Combined ratio – investment ine/earned premium 聯(lián)合損失率 – 投資收益 /滿期保險費 What should be included in investment ine 什么應該包括在投資收益中 Net investment ine (interest, dividends and rents) 凈投資收益（利息，分紅和租金） Capital gains 資本收益 Realized or unrealized 實現(xiàn)的或未實現(xiàn)的 9 Ratemaking in the Real World 保險費率厘定實際應用 Incurred losses已發(fā)生的損失 Loss reserves 損失準備金 Loss development factors
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