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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/105213

    Title: 產險再保績效評量指標之研究
    Other Titles: A study on reinsurance performance indicators in non-life insurance
    Authors: 于靜文;Yu, Ching-Wen
    Contributors: 淡江大學保險學系保險經營碩士班
    Keywords: 再保險;再保險績效;再保險類型;Reinsurance;Reinsurance Performance;Types of Reinsurance
    Date: 2015
    Issue Date: 2016-01-22 14:50:29 (UTC+8)
    Abstract: 由於我國產險承保能量有限,加上近年來天災人禍頻繁,導致損失幅度與頻率加劇,產險公司經營特性便是再保險依存度高。對產險公司而言,再保險是一項重大避險成本,產險公司再保費支出愈多,轉嫁危險愈多,卻可能侵蝕經營利潤;再保費支出愈少,自留保費愈多,自留賠款過大亦侵害經營利潤,必須拿捏適當,然我國產險業並未建構一套完善再保績效考核機制;基此,建構產險公司之再保績效評量指標,改善與修正再保險運用,提升再保險單位效率,確實有其必要性。

    For property-liability insurers, reinsurance plays an important role in operating insurance business and is a great hedging cost for insurance companies. Property-liability insurers in Taiwan, generally speaking, have high reinsurance dependence due to the limited capacity. Striking a balance between reinsurance premium and premium retained is crucial in terms of industry management; however, most property-liability insurers in Taiwan do not have an appropriate performance appraisal for reinsurance. A particular emphasis on setting the reinsurance performance indicators helps reinsurance departments with their operation as well as the work efficiency raising. Thus, the aim of this study is to establish appropriate reinsurance performance indicators.

    This thesis presented the basic theory of reinsurance utilizing Inductive Approach initially. Then based on the factors of reinsurance profile, two classifications, reinsurance ceded and reinsurance assumed, could be made. In order to reach a more objective performance evaluation on reinsurance, a sixteen and fifteen performance indicators were proposed to evaluate reinsurance ceded and reinsurance assumed respectively. Also case study methodology was utilized to analyze reinsurance performance on five companies in the industry. The result suggested property and liability insurance companies shall evaluate reinsurance performance based on actual data in order to acknowledge pros and cons of the activity.
    Appears in Collections:[保險學系暨研究所] 學位論文

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