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"十二五"期间,保险行业的发展目标不仅仅是规模的增长,更是业务内含价值和保险公司整体盈利能力的增长.面对行业竞争日趋激烈、成本控制日渐重要、监管压力更加严格的环境,作为深度依赖于信息化的保险公司未来五年的信息化建设必须快速发展,才能应对由保费、利润和风险共同构成的"三难"挑战.本期专题我们特邀国内的主要保险公司和国际知... 相似文献
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财政部公布的"2011年公共财政收支情况"显示,2011年我国财政收入103740亿元,比上年增加20639亿元,增长24.8%。其中,中央本级收入51306亿元,比上年增加8818亿元,增长20.8%;地方本级收入52434亿元,比上年增加11821亿元,增长29.1%。财政收入中的税收收入89720亿元,增长22.6%;非税收入14020亿元,增长41.7%。 相似文献
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信息化、产业结构与区域经济增长——基于中国省际面板数据的经验分析 总被引:1,自引:0,他引:1
本文利用1998~2010年我国31个省份的面板数据,讨论了信息化对我国区域经济增长以及产业结构的影响,主要结论为:第一,信息化水平对于经济增长的正向影响非常显著,信息化水平每提高1%,人均GDP增长率提高0.01%~0.05%,经济增长的惯性作用明显,上述结果都非常稳健。第二,信息化对优化农业、工业的产业结构、加快经济增长方式转变效果显著,但对服务业的影响并不明显。 相似文献
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信息化对经济增长的贡献分析 总被引:2,自引:0,他引:2
通过对我国信息化水平的测度,利用理论与实证分析的方法对信息化对经济的增长贡献进行了分析,指出信息化通过提高经济领域信息技术的应用与信息资源开发的水平而提高经济运行效率与质量,对经济增长具有巨大的推动作用。 相似文献
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祝向军 《广东金融学院学报》2010,(6)
全球金融危机的冲击下促使人们重新思考保险公司未来的盈利模式选择。保险产品是风险转移和服务业务的有机组合。后金融危机时代中国保险公司盈利模式的"回归"并不是回到单一的保险模式,而是要改变"过分强调投资模式而服务模式发展滞后"的不合理的业务结构。因此,在坚持保险模式为本的基础上,以"服务模式"的提升作为当前中国保险公司盈利模式改进的突破点,切实转变保险业的发展方式;根据经济社会环境的发展变化均衡保险模式、服务模式和投资模式的资源配置和盈利贡献,形成保险公司动态的组合盈利模式,以保证中国保险业的全面协调可持续发展。 相似文献
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保险公司资产组合与最优投资比例研究 总被引:1,自引:0,他引:1
保险公司收益主要来源于承保利润和投资收益,其中承保利润受政策变动、市场条件等外部环境的影响较大,而投资收益则更多地取决于保险公司的投资能力,因此保险公司如何构建资产组合、如何确定最优投资比例就是获取投资收益最大化的重要因素。本文通过理论推导得出了保险公司的资产组合模型并运用非线性规划求解出最优投资比例,进而根据保险公司的投资数据进行了实证研究,为我国保险公司的资产组合及最优投资比例提供了一个可借鉴的思路。 相似文献
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发展汽车消费贷款保证保险是保险业积极促进国内汽车消费的一项重要举措.既能间接扩大内需,推动国民经济增长,又能帮助银行管理贷款违约风险.本文通过构建汽车消费贷款保证保险绩效模型,分析得出汽车消费贷款保证保险能间接提高购车人信用等级,并为保险公司寻找新的利润点和融资渠道.最后根据绩效分析有针对性地提出了政策建议. 相似文献
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互联网保险特殊经营模式使保险公司呈现固定资产占比较小、资产负债率较低、保险产品"场景化、碎片化"、渠道成本低廉等财务特征,也使保险公司面临更为错综复杂的财务风险,如对股东的权益性资金依赖性较强、定价风险加大、盈利空间不定以及骗赔套保和洗钱风险等.鉴此,应拓宽筹资渠道,优化保险产品定价,提高保费收入持续增长能力,降低运营和合作成本,构建第三方保单认证和风险评估体系,加强资金规范化管理,强化外部监管等. 相似文献
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Li-Hua Lai 《The GENEVA Risk and Insurance Review》2006,31(1):23-34
The ICAPM is used to study the underwriting profit margin of the P/L insurance company, including the insurances of automobile
damage, automobile liability and fire, in which the parameters are the symmetric or non-symmetric triangular fuzzy numbers.
From the ten-year data of a company in Taiwan we determine the lower and upper limits associated with the various α-level
of the fuzzy numbers. Our results show that the best-fitting parameters of the model from our data are the asymmetric triangular
fuzzy numbers. The skew factors in each insurance are determined, which could be used to perform the forecasting of the underwriting
profit margin. Our results show that the systematic risk in the fuzzy environment (with best-fitting value of skew factor)
becomes larger than that in the crisp environment. However, the insurance underwriting leverage and insurance financial leverage
in the fuzzy environment are smaller than those in the crisp environment.
JEL Classification G22 · G32
The author is grateful to the two anonymous reviewers for The Geneva Risk and Insurance Review for their comments on an earlier version of this paper. 相似文献
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Insurance claims can take years to resolve, which makes insurance performance measurement—and incentive compensation based on such measurement— challenging. The insurance industry utilizes a method of analysis called accident year analysis to manage the temporal challenge inherent in insurance claims. Despite the managerial and economic utility of this method of analysis, it has generally not been applied to incentive compensation programs for insurance company executives and employees. This article will explain accident year analysis, and will show how it can be merged with the bonus bank concept and the Insurance Performance Measure, which is an insurance economic profit metric, to construct an economically consistent insurance incentive compensation program. 相似文献
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This paper introduces the emerging field of demand-driven insurance price and revenue optimisation. Following an introduction to the field, a case study is presented, illustrating a typical price optimisation project performed on a car comprehensive insurance portfolio at a direct insurance company. The study describes an actual price optimisation process using price testing, demand estimation, margin optimisation and controlled test validation procedures. Demand data were collected from a sample of 10,582 customers during June–July 2002. The subsequent demand-driven price optimisation process generated a profitability impact assessment of 9 per cent in net profit per a 1 per cent loss in customer retention. This assessment was validated in a controlled test conducted on a sample of 12,077 customers who were randomly assigned optimised or non-optimised prices. Test results validated the optimisation assumptions, generating a 10 per cent improvement in expected annual profit. 相似文献
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Present bias challenges consumers with self-control problems when they implement precautionary efforts in insurance markets. To explore how rational insurance companies respond to this bias, this paper analyzes a contract design problem in a monopolistic insurance market with ex ante moral hazard. We consider two types of consumers with this bias: the “naifs”, who do not foresee the present bias and make decisions in a myopic way, and the “sophisticates”, who foresee the bias and incorporate it in the decision process. Relative to the benchmark case where consumers are time-consistent, we show that (i) present bias reduces the monopoly profit, regardless of the consumer type; (ii) present bias can either reduce or increase the coverage of the profit-maximizing insurance contract depending on the extent of the bias; and (iii) when present bias is severe, the insurance company can profitably exploit naifs but not sophisticates. These results still hold when consumers are heterogeneous and their types are unknown to the insurance company. 相似文献
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