由动态财务分析引出的损失分配模式实证分析

THE ANALYSIS ABOUT PAYMENT PATTERNS BASED ON DFA

损失分配模式是指某一事故年所发生的保险事故在各个进展年赔付的比例.本文结合某保险公司的实务数据,对车险业务的损失分配模式进行了实证分析,阐明了损失分配模式在预测赔款、提留准备金中的应用,从而为全面分析公司的持续经营提供了科学依据.

Loss payment patterns tell us what percentage of a given accident year loss will be paid in each development year.Combining with loss data,we analyse the payment patterns of auto insurance,and its application in forecasting payments and loss reserving.Therefore,it provides a basis for the analysis of insurer's on-going operation.