基于主成分聚类分析的保险公司偿付能力评价

The Insurance Company's Solvency Evaluation Based on Principal Component Clustering Analysis

选用14家保险公司在2013年的财务数据,根据公司的业务特点选取了九项财务指标,用主成分聚类分析的方法对这些指标进行实证研究。实证结果表明:主成分综合得分排名结果比主成分聚类分析方法排名结果更为合理,并针对研究结果给出了相应的政策建议。

This article selects the 14 insurance company＇s financial data in 2013,according to the insurance company＇s business characteristics;this also selects nine financial indicators,and using principal component cluster analysis method for empirical research.The empirical results show that the comprehensive principal component score ranking results of principal component cluster analysis method is more reasonable,and the research also gives the corresponding policy recommendations.