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    题名: 火災保險自留比例與自留損失相關性分析
    Correlation Analysis of Retained Ratio and Retained Loss for Property Insurance
    作者: 林文煌
    贡献者: 蔡政憲
    林文煌
    关键词: 自留額
    危險單位
    最大可能損失
    溢額合約再保險
    超額損失再保險
    retention
    one risk
    maximum possible loss
    surplus treaty reinsurance
    excess of loss reinsurance
    日期: 2002
    上传时间: 2009-09-18
    摘要: 決定自留額是保險人承接業務時之主要考量因素，以發揮保險之基本原理原則：危險分散與損失分攤。自留額釐定不當，不僅影響保險人財務結構，甚至波及公司整體核保營運成果而危及清償能力。本文選擇某產險公司實際損失分配資料，探討不同自留比例與再保方式對營運結果之影響，結果顯示在此實際損失分配資料模型下，適度調高自留比例，應可增加核保利潤。本文進一步以相關性分析探討自留配置。
    Retention is a key element for the insurer to determine how much it wishes to retain for its own account for the risks it has written. This point is fundamental to carrying on the business of insurance and akin to the principle upon which insurance is based, namely the spreading of risks and sharing of losses. The risk of incurring a retained loss owning to inadequate retention, which would imperil financial objective even can affect the overall underwriting results and arise insolvency. This paper select data base of occurred loss distribution for the past three years to study the impact of different retained ratio and different type of reinsurance for performance. This paper shows that, the underwriting profit can be expected to increase when the retention increases precisely under the existing loss distribution model . This paper also discuss the related factors in deciding retention by correlation analysis.
    參考文獻: 中文部份
    1.王韶燦,1985,火險再保計劃之研究,逢甲大學保險學研究所碩士論文
    2.火災保險訓練教材,1993,保險事業發展中心
    3.火災保險查勘訓練教材,1992,保險事業發展中心
    4.再保險訓練教材,1991,保險事業發展中心
    5.林永和,2002「再保險公司紛徹出亞洲市場」,再保險資訊, 第197期,頁
    2-4．
    6.袁宗蔚,1991,保險學,第31版,台北：三民
    7.陳繼堯,2001,再保險學,台北：三民
    8.陳弘毅,1996,火災學,台北：鼎茂
    9.陳遠哲 鄭純農 合著,2000,再保險會計,保險事業發展中心
    10.郭達任,1988,普遍超額賠款再保證自負額釐訂之研究,逢甲大學保險
    學研究所碩士論文
    11.賴曜賢,1984,產物保險公司自留額之釐定,中華民國精算學會,第八期
    ,第一卷
    12.張玉美,1992,火災保險最適自留額釐定之研究,政治大學保險研究所
    碩士論文
    英文部分
    1.B Benjamin,1977,「 General Insurance」，London: Hinemann
    2.Dr. Klau Gerathewohl,1982,「Reinsurance Principle and
    Practice」,Volume II, Verlag Versicherungswirtschaft e.V.,
    Karlsruhe
    3.Edwin H Gamlen FCII and Harold Francis FCII, 1991,「 Fire
    Insurance Theory and Practice」,Seventh edition,
    4.「Property Colloquium 2000」,2000,Munich Reinsurance Company
    5.Professor R.L. Carter, Bsc (Econ),Dphil,FCII,1991,
    「Reinsurance Practice」,The Chartered Insurance
    Institute,2/1-2/18
    6.Robert Carter, Leslie Lucas & Nigel Ralph,2000,
    「Reinsurance」,Fourth Edition, Guy Carpenter
    7.「Risk Management Workshop」,1997,Swiss Reinsurance Company
    8.Sigma 9/1998,Swiss Reinsurance Company
    9.Swiss Reinsurance Company,「A Reinsurance Manual of the Non-
    Life Branches」Fourth Edition ,1986
    描述: 碩士
    國立政治大學
    風險管理與保險研究所
    90932810
    91
    資料來源: http://thesis.lib.nccu.edu.tw/record/#G0090932810
    数据类型: thesis
    显示于类别:[風險管理與保險學系] 學位論文

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