还是赔付率（Loss ratio）.docVIP

还是赔付率（Loss ratio） Comparative analysis of property insurance payment rate index Due to difference of calculation and statistics of the domestic insurance industry ratio index, lead to the payment of the company carries on the analysis comparison, may even appear artificially with payment rate to cover service quality; at the same time, the compensation rate index companies also led to inconsistent regulatory authorities can not be unified evaluation of companies the establishment of insurance industry as soon as possible, the unified payment rate standard has become an urgent need to solve the problem of the whole industry. At present, the quality of the insurance company payment business assessment index analysis mainly focuses on three indicators of calendar year loss ratio, combined ratio and the rate of payment, and of payment rates according to the statistics of the system divided into underwriting year of payment rates and the annual rate of payment system. Due to the above several compensation rate statistical range, there are some differences between the results of the assessment result. 1. calendar year payment rate The calendar year payment rate = earned premium / comprehensive reparations, including comprehensive reparations = current decision pending + current gusun - at the beginning of the period pending gusun; earned premium = current premium + initial unearned reserve - Final unearned premium reserve. The calendar year payment rate consistent with the annual financial statistics caliber, earned premiums and payment can reflect the insurance policy year during the accounting period in a certain extent, can be matched with the use of fiscal year. But because it does not contain IBNR and lag to some extent. At the same time, due to the limitation of the formula itself, its accuracy is greatly affected by the premium income, namely the previous year or insurance premium income subject and the subject of loss of expenditure is not clear. The characteristi