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aileen20180623 · 2021年11月24日

underwriting loss ratio 这个是指什么?

NO.PZ2020021601000004

问题如下:

Viktoria Smith is a recently hired junior analyst at Aries Investments. Smith and her supervisor, Ingrid Johansson, meet to discuss some of the firm’s investments in banks and insurance companies.

To evaluate P&C insurance companies, Johansson tells Smith that she places emphasis on the efficiency of spending on obtaining new premiums.

The best indicator of the operations of a P&C insurance company emphasized by Johansson when evaluating P&C insurance companies is the:

选项:

A.

underwriting expense ratio.

B.

underwriting loss ratio.

C.

combined ratio.

解释:

A is correct.

The underwriting expense ratio is an indicator of the efficiency of money spent on obtaining new premiums. The underwriting loss ratio is an indicator of the quality of a company’s underwriting activities-the degree of success an underwriter has achieved in estimating the risks insured. The combined ratio, a measure of the overall underwriting profitability and efficiency of an underwriting operation, is the sum of these two ratios.

解析:Johansson强调获得新保费的效率。主要看的是underwriting expense ratio=underwriting expense/net premium written。衡量的是每获得一块钱的保费要付出去多少运营成本(销售人员佣金、工资等)。underwriting loss ratio衡量的是银行承保业务的质量,看保险公司对风险的预估是否准确及定的保费是否合理(保费能否cover发生的理赔)。两个合在一起是combined ratio,衡量综合效率。

underwriting loss ratio 这个是指什么?

1 个答案

袁园_品职助教 · 2021年11月24日

嗨,爱思考的PZer你好:


是衡量公司保险的质量的,是用理赔/收到的保险费的比例。

我看了一下你的问题,以及你对题目的理解。因为你是在22年2月,现在还是有时间的,我建议你把财务的基础班再好好的听一下。因为财务不像其他的科目,财务考试主要考的都是细节点,题目里面的细节特别多,这就要求你的基础非常的扎实,先采用题海战术做题,一个会搞坏你的心态,第二个会把知识点搞糊涂。如果你没有时间的话,也可以根据我们经典题里面你做错的部分再回去听基础班。对于财务来说,基础班很重要。

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NO.PZ2020021601000004 请问为何选这个答案?为何不选C?

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