A study on Underwriting Profit of Non-Life Insurance Industry in Taiwan

• Main Authors: Tu, Hsin-Nan, 涂信楠
• Other Authors: Kao, Tong-Liang
• Format: Others
• Language: zh-TW
• Published: 2004
• Online Access: http://ndltd.ncl.edu.tw/handle/52655190628268764409

碩士 === 淡江大學 === 保險學系保險經營碩士班 === 92 === Underwriting profit plays an important part in insurance operation, and it’s also an indicator of insurance business efficiency, however, it often be ignored by managers in a competitive market. This dissertation aims to explain the movement of underwriting profit and tries to find the characters of non-life insurance operation in Taiwan by comparing with different based underwriting profit and analyzing combined ratio. The results indicate that reinsurance can stabilize underwriting profit and helpful to non-life insurance industry for risk distribution. The combined ratio of non-life insurance industry shows high variability and is seriously affected by catastrophe, especially under written-premium basis.