The Research of Capacity of Accident Insurance Operated by Domestic Life-Insurance Company

• Main Authors: Chun-Yi Wu, 吳俊逸
• Other Authors: Frank Kuen-Bao Ling
• Format: Others
• Language: zh-TW
• Published: 2004
• Online Access: http://ndltd.ncl.edu.tw/handle/74549093053809259635

碩士 === 國立高雄第一科技大學 === 風險管理與保險所 === 92 === The purpose of this research is to build a proper model for domestic longevity insurance company, and measure its optimized accepting capacity while managing the injury insurance. First, start from the concept of MPL (Maximum Probable Loss), coordinate with the level of MPL, derived from exercising the probability of bankruptcy in different insurance companies, and then take the investment factors of insurance companies into consideration so as to obtain the optimized accepting capability. Finally, make the comparison between the optimized capacity, acquired by yearly owner right according to the GAAP (Generally Accepted Accounting Principles), and the capacity calculated by the proper model. The measure of this research depend on Microsoft Excel and Visual Basic computing. The information recourse was came from the financial statements of 16 longevity insurance companies. Based on the actual result, it could be found out that, when the insurance company has the better loss ratio controlled, the accepting capacity relatively would become higher and the leverage effect could be more developed. Moreover, the investment profitability can increase the accepting capacity. Finally, the insurance company can raise the accepting capacity also by re-insured mechanism and the emphasizing the quality of verified insurance is highly suggested.