财险公司未决赔款准备金波动风险及其防范对策

The risk of claim reserve volatility for property insurance companies and counter measures

未决赔款准备金作为财险公司最大的负债项目之一,通过不断提高数据的真实性与有效性,加强未决赔款准备金的波动风险的管理,有利于我国财险公司与财险行业的稳健经营与持续发展。未决赔款准备金波动风险产生的主要原因有数据的可靠性、精算评估方法的波动性以及宏观管理因素与经营环境的变化。通过切实提高管理水平、提升公司的精算技术、加强精细化经营理念的宣导以及加强非寿险行业的精算标准建设,将能有效地防范未决赔款准备金波动风险。

Claim reserve is one of the largest liability items for property insurance companies. We should strengthen management on the risk of claim reserve volatility through continuously enhancing data authenticity and relevance. This is very important for steady and sustainable development of property insurance companies and the property insurance industry. The risk of claim reserve volatility mainly arises from impaired data reliability, volatility of actuarial appraisal methodology, macro-factors and ment skills, enhancing actuarial technique, strength change of operating environment. Through improving manageening intensive management concepts and establishing non-life insurance actuarial standards, we can effectively guard again the risk of claim reserve volatility