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vvwa2022 · 2023年05月21日

请问选项A错在哪里?

NO.PZ2023040501000116

问题如下:

To evaluate Vermillion (a property and casualty company), Paulinic compiles the information presented in Exhibit 1.


Based only on the information in Exhibit 1, in 2017 Vermillion most likely: (curriculum)

选项:

A.

experienced a decrease in overall efficiency.

B.

improved its ability to estimate insured risks.

C.

was more efficient in obtaining new premiums.

解释:

The loss and loss adjustment expense ratio decreased from 61.3% to 59.1% between 2016 and 2017. This ratio is calculated as follows: (Loss Expense + Loss Adjustment Expense)/Net Premiums Earned. The loss and loss adjustment expense ratio indicates the degree of success an underwriter has achieved in estimating the risks insured. A lower ratio indicates greater success in estimating insured risks.

combined ratio after dividend decreased from previous year to current year.

1 个答案

王园圆_品职助教 · 2023年05月21日

同学你好,本题对应的是以下讲义截图的内容

和A选项相关的efficiency ratio应该是combined ratio。可以看到无论是loss and loss adjustment expenses ratio还是underwriting expenses ratio 都是越小越好,所以combined ratio也是越小越好。本题公司2017年的combined ratio相比2016年是下降的,说明overall efficiency是提升而非下降的