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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/32391

    Title: 超額賠款再保險運用於商業火災保險最適淨自留額之實証研究 : 以C產險公司為例
    Other Titles: Empirical study on appropriate net retention of excess of loss reinsurance in commercial fire insurance : a case study of "C" company
    Authors: 翁英豪;Weng, Ying-hao
    Contributors: 淡江大學保險學系保險經營碩士在職專班
    高棟梁;Kao, Tong-liang
    Keywords: 超額賠款再保險;賠款成本法;淨自留保費;Excess of Loss Reinsurance;Burning Cost Method;Net Retained Premium
    Date: 2007
    Issue Date: 2010-01-11 02:04:21 (UTC+8)
    Abstract: 由於火災保險業務具有危險異質化與危險累積之特性,為有效經營及降低風險之不確定性,通常需妥善利用再保險以分散危險、平均危險並擴大承保能量。長期以來國內產險公司習於運用比例再保險將大量業務轉分給再保險人,雖從中賺取豐碩再保佣金,卻也限制資本規模累積與技術的提升。
    Due to the non-homogeneous and accumulated character of risk in fire insurance, in order to effectively manage and reduce the uncertainty of risks, it is usually required to utilize reinsurance to spread the risk and strengthen the insurer''s capacity. For a long time, the domestic property insurance companies have been using proportional reinsurance method to redistribute massive business to reinsurers. Although they earn a greater amount of reinsurance commission, it restricted the accumulation of capital and technical advancement.

    In the past few years, because of the frequent reports of domestic market loss and the rapid shrinking of the reinsurance market after 911-terror attack, reinsurers withdraw from Taiwan market or only are willing to provide non-proportional reinsurance capacity. Therefore, there are many domestic companies using excess of loss reinsurance treaty. Their performances have yet to be conclusive because of short time period. But accompanied by the related methods such as elevating the underwriting skill and enhancing the loss prevention technique, positive effects have been shown.

    Due to the lack of proportional reinsurance capacity and low premium retention, companies continuing proportional treaty reinsurance face severe competition. Therefore, in order to take advantage of excess of loss insurance and to select the most suitable reinsurance treaty with a minimum cost, it should be understood that management must increase its efficiency. This essay focuses on the commercial fire insurance business of “C” company. By using burning cost method under different retention of excess of loss reinsurance treaty, we can estimate the net retained premium. The result can be compared to the proportional reinsurance treaty. By further related hypothesis testing we would then reach a consensus reinsurance treaty recommendation for “C” Company.
    Appears in Collections:[保險學系暨研究所] 學位論文

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