| dc.contributor.advisor | 蔡政憲 | zh_TW |
| dc.contributor.author (Authors) | 林文煌 | zh_TW |
| dc.creator (作者) | 林文煌 | zh_TW |
| dc.date (日期) | 2002 | en_US |
| dc.date.accessioned | 2009-09-18 | - |
| dc.date.available | 2009-09-18 | - |
| dc.date.issued (上傳時間) | 2009-09-18 | - |
| dc.identifier (Other Identifiers) | G0090932810 | en_US |
| dc.identifier.uri (URI) | https://nccur.lib.nccu.edu.tw/handle/140.119/34111 | - |
| dc.description (描述) | 碩士 | zh_TW |
| dc.description (描述) | 國立政治大學 | zh_TW |
| dc.description (描述) | 風險管理與保險研究所 | zh_TW |
| dc.description (描述) | 90932810 | zh_TW |
| dc.description (描述) | 91 | zh_TW |
| dc.description.abstract (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。 | zh_TW |
| dc.description.abstract (摘要) | 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. | en_US |
| dc.description.tableofcontents | 第一章緒論……………………………………………………… 1第二章文獻探討………………………………………………… 5 ﹝一﹞自留額之計算……………………………………… 5 ﹝二﹞自留額釐定考量因素……………………………..11第三章研究方法…………………………………………………16 ﹝一﹞資料來源……………………………………………16 ﹝二﹞使用之變數與定義…………………………………17 ﹝三﹞統計分析方法………………………………………23第四章實證結果…………………………………………………24 ﹝一﹞基本資料……………………………………………24 ﹝二﹞實證結果……………………………………………27第五章結論與建議………………………………………………44參考文獻…………………………………………………………47附錄………………………………………………………………49 | zh_TW |
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| dc.format.mimetype | application/pdf | - |
| dc.language.iso | en_US | - |
| dc.source.uri (資料來源) | http://thesis.lib.nccu.edu.tw/record/#G0090932810 | en_US |
| dc.subject (關鍵詞) | 自留額 | zh_TW |
| dc.subject (關鍵詞) | 危險單位 | zh_TW |
| dc.subject (關鍵詞) | 最大可能損失 | zh_TW |
| dc.subject (關鍵詞) | 溢額合約再保險 | zh_TW |
| dc.subject (關鍵詞) | 超額損失再保險 | zh_TW |
| dc.subject (關鍵詞) | retention | en_US |
| dc.subject (關鍵詞) | one risk | en_US |
| dc.subject (關鍵詞) | maximum possible loss | en_US |
| dc.subject (關鍵詞) | surplus treaty reinsurance | en_US |
| dc.subject (關鍵詞) | excess of loss reinsurance | en_US |
| dc.title (題名) | 火災保險自留比例與自留損失相關性分析 | zh_TW |
| dc.title (題名) | Correlation Analysis of Retained Ratio and Retained Loss for Property Insurance | en_US |
| dc.type (資料類型) | thesis | en |
| dc.relation.reference (參考文獻) | 中文部份 | zh_TW |
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| dc.relation.reference (參考文獻) | 英文部分 | zh_TW |
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