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未决赔款准备金作为财险公司最大的负债项目之一,通过不断提高数据的真实性与有效性,加强未决赔款准备金的波动风险的管理,有利于我国财险公司与财险行业的稳健经营与持续发展。未决赔款准备金波动风险产生的主要原因有数据的可靠性、精算评估方法的波动性以及宏观管理因素与经营环境的变化。通过切实提高管理水平、提升公司的精算技术、加强精细化经营理念的宣导以及加强非寿险行业的精算标准建设,将能有效地防范未决赔款准备金波动风险。
As one of the largest liability projects of property and casualty insurance companies, the outstanding reserves for indemnities are expected to strengthen the management of the fluctuation risk of the outstanding claims reserves through continuous improvement of the authenticity and validity of the data, which is in the interest of China’s property insurance companies and the property insurance industry Steady operation and sustainable development. The main reasons for the undisputed claims reserve risk are the reliability of data, the volatility of actuarial valuation methods and the changes of macro-management factors and business environment. By effectively improving the management level, enhancing the Company’s actuarial technology, strengthening the propaganda of the refined management concept and strengthening the actuarial standard construction in the non-life insurance industry, the Company will be able to effectively guard against the risk of fluctuations in the reserves for outstanding claims.