The marketization of premium rate for automobile insurance started from 2003 is a great progress of the chinese insurance industry 作为我国非寿险重要组成部分的车险业,从其发展以来一直受到人们的广泛关注。
One - way analysis , minimum bias procedures and multiple regressions have been widely used in non - life classification rating 摘要对非寿险产品分类费率的厘定通常采用单项分析法、最小偏差法和多元线性回归等方法。
Specialized operation can be a choice for mid - and - small non - life insurers to avoid over competitions . furthermore , reinsurance should also be encouraged 为了避免恶性竞争,应鼓励非寿险公司更多开展再保险业务。
Recently , china non - life insurance has got a rapid development . the sum insured has increased quickly with the entry by many entities 中国非寿险业发展迅速,市场结构打破了一家市场主体垄断的格局,承保规模迅速扩大,其经济价值和社会价值不断增强。
Therefore , the industry has a typical oligopolistic structure , which exists rationally for it makes the industry enjoy scale economy and scope economy 寡头垄断为中国非寿险产业获得规模经济和范围经济的优势提供了可能,因此在现阶段具有其存在的合理性。
China non - life insurance industry has a high concentrated rate . few substitutes exist between the non - life insurance products . barriers of entry and quit are both high 中国非寿险产业的市场集中度高,产品之间的替代性弱,市场具有较高的进入和退出壁垒。
Regard solvency as the key regulation target . improve the regulation system to make a fair policy environment for the development of china non - life insurance industry 通过监管体系的完善和监管市场化进程的推进,为中国非寿险产业组织的改善提供良好的政策环境。
Three kinds of model the ratio model , short - term collective risk model , and ruin probability model are adopted to calculate the minimum solvency margin of non - life insurance companies 本文采用了比率模型、短期聚合风险模型、破产概率模型三种模型，计算非寿险保险公司最低偿付能力额度。
In non - life insurance practice , a reasonable profit operated in insurance companies should be considered in ratemaking . therefore , premiums also included profit margin 在非寿险实践中,保险公司经营中的合理利润都要在收取的保险费中加以考虑,因此,除纯保费之外,保险费还包括了利润附加成分。
Based on all the above , the dissertation comes up with some policy advices to the industry : loose the limitation to the entry and quit within a proper measure to promote competition in the market 本文最后部分给出改善中国非寿险产业组织的政策建议。建立适度的市场准入机制和有效的市场退出机制,促进市场的有序竞争。
