Dissertations / Theses on the topic 'Insurance companies'
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Yu, Kok-leung. "A study of the rising roles of China state-owned and other Chinese capital insurance companies in the insurance market of Hong Kong and how insurance companies can survive this impact /." Hong Kong : University of Hong Kong, 1998. http://sunzi.lib.hku.hk/hkuto/record.jsp?B19872240.
Full textKwong, Sze-ki Louis. "A study of the profits of local general insurance companies /." [Hong Kong : University of Hong Kong], 1987. http://sunzi.lib.hku.hk/hkuto/record.jsp?B12335319.
Full textMsheliza, Samuel Kaku. "Strategic planning in Nigerian insurance companies." Thesis, University of Nottingham, 1991. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.281062.
Full textHong, Wu. "Essays on insurance economics /." Göteborg : Nationalekonomiska institutionen, Handelshögsk, 2002. http://www.handels.gu.se/epc/data/html/html/2058.html.
Full textChow, Kong-shing. "A study of the corporate strategy of insurance industry in Hong Kong /." Hong Kong : University of Hong Kong, 1998. http://sunzi.lib.hku.hk/hkuto/record.jsp?B19876531.
Full textMutenga, Stanley. "Risk management for property casualty insurance companies." Thesis, City University London, 2001. http://openaccess.city.ac.uk/7600/.
Full textSiokis, Vasilios. "Risk measurement and management of insurance companies." Thesis, City University London, 2001. http://openaccess.city.ac.uk/8400/.
Full textRufelt, Pontus. "Investment Opportunities for Swedish Life Insurance Companies." Thesis, KTH, Matematisk statistik, 2016. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-193945.
Full textSedan det nya riskkänsliga regelverket Solvens II trädde i kraft den första januari 2016 behöver europeiska försäkringsbolag se över sin investeringsstrategi för finansiella tillgångar. Försäkringsbolag är bland de största finansiella investeringsinstituten i Europa med ett innehav om 6,7 biljoner euro och i och med detta kan stora förändringar i försäkringsbolagens tillgångsallokering påverka kapitalmarknaden. För att undersöka hur investeringsmöjligheterna har förändrats för livförsäkringsbolag simulerades ett svenskt fiktivt och representativt livförsäkringsbolag med en tjänstepensionsportfölj trettio år framåt i tiden. Först simulerades penningmarknaden, obligationer, aktier och fastighetsmarknaden trettio år med en multivariat stokastisk process. Genom att tillämpa modern portföljteori konstruerades portföljvikter för de simulerade finansiella tillgångarna för bolaget. För att modellera framtida skulder för bolaget konsturerades en representativ ITP 2 tjänstepensionsportfölj där pensionskontrakten prissattes med hjälp av traditionell prissättningsteori för livförsäkringar i kontinuerlig tid. Aktuariella antaganden och en konsolideringspolicy konsturerades i linje med de största traditionella livförsäkringsbolagen i Sverige för att konsturea en representativ portfölj. Simuleringarna av bolaget resulterade I kassaöden och utvecklingen av livförsäkringsmatematiska funktioner månadsvis samt solvenskapitalkravet årsvis. Solvenskapitalkravet beräknades med standardformeln erhållen av EIOPA där modulen för marknadsrisk dominerar i bidraget till kapitalkravet. Genom att jämföra det nya riskkänsliga kapitalkravet med solvenskapitalkravet baserat på tidigare regelverk observerades en skillnad i struktur beroende på tid och tillgångsallokering. Storleken på Solvens II-kapitalkravet för livförsäkringsbolag är mer beroende på den finansiella tillgångsstrategin för bolagen medan detta inte är fallet för Solvens I-kapitalkravet. Strukturen på det nya kapitalkravet följer samma struktur som modulen för marknadsrisk där det observerades at lågriskportföljer nödvändigtvis inte motsvarar ett lägre kapitalkrav för livförsäkringsbolaget. Slutsatsen av projektet var att utrymmet för investeringsmöjligheter för svenska livförsäkringsbolag har förminskats. Detta är på grund av införandet av Solvens II då regelverket är mer riskkänsligt än tidigare regelverk.
Von, Wielligh S. P. J. "The development of a best practice framework for the formulation of overall audit strategies for insurance contracts and the related earnings of listed South African long-term insurers /." Link to the online version, 2005. http://hdl.handle.net/10019.1/1103.
Full textLe, Roux Magdalena Elizabeth. "Captive insurance companies : a theoretical and empirical study." Thesis, Stellenbosch : Stellenbosch University, 2003. http://hdl.handle.net/10019.1/53319.
Full textENGLISH ABSTRACT: Much research has been done on risk coverage within the field of the traditional insurance market, but the concept of alternative risk transfer is fairly new to the world of risk management. The need for more innovative, multi-faceted approaches to meet possible losses, together with the growing resistance to the cross-subsidisation inherent in traditional insurance, has initiated the development of the captive insurance industry as an alternative risk transfer mechanism. The objective of this research was to study the application of captive insurance as a risk management mechanism for managers. The objective comprised a modelling approach for managers to handle the strategic implications of establishing and operating a captive insurer. The tasks that were required for this assignment were as follows: • The completion of a literature study of the basic theory available on captive insurance as an internal risk financing mechanism for management; • The collection of relevant empirical information on the subject by means of questionnaires, which had to be based on the literature study; • The critical analysis of the collected data; and • The development of a decision-making model based on the outcome of the available information, that could provide a practical guideline for management to decide on the establishment and operation of a captive insurer. Twenty-five questionnaires were sent out during February 2003 to cover all the registered onshore and cell captive insurance companies in South Africa. Offshore insurance companies could not be included in this study due to article 33 of the Reserve Bank's Act no. 90 of 1989 regarding confidential information. Of the 25 captive insurance companies, 21 companies completed the questionnaires, and three respondents declared that they did not perform captive insurance activities anymore. A response rate of over 95 per cent is therefore achieved. The information obtained from the questionnaires was summarised on a SPSS spreadsheet and subjected to a statistical analysis to form the bases for the empirical investigation. The results of the empirical study for onshore and cell captive insurers leads to conclusions regarding the importance of the objectives needed for establishing and operating the captive Insurer. The three most importantfactors which should determine the decision of a holding company to establish an onshore captive insurer were identified as the financial commitment of the holding company, the spreading of the risks of the holding company, and the retention capacity of the holding company. The three most importantfactors which should determine the decision of a holding company to operate an onshore captive insurer are the retention capacity of the holding company, the financial commitment of the holding company, and the management commitment of the holding company. The three most importantfactors which should determine the decision of a holding company to establish a cell captive insurer were identified as the spreading of the risks of the holding company, the retention capacity of the holding company, and the financial commitment of the holding company. The three most importantfactors which should determine the decision of a holding company to operate a cell captive insurer are the financial commitment of the holding company, the spreading of the risks of the holding company, and the management commitment of the holding company. A decision-making model for both onshore and cell captive insurers was developed as a tool for risk managers when deciding on the establishment and operation of a captive insurer as part of their risk management programme. The resulting conclusions and recommendations of this assignment are largely based on the personal viewpoints of the captive insurers active in the South African captive insurance industry. It is therefore recommended that future research also includes the role and views of the holding companies.
AFRIKAANSE OPSOMMING: Heelwat navorsing is alreeds oor die tradisionele versekeringsmark ten opsigte van risikodekking gedoen, maar die konsep van alternatiewe risiko-oordrag is nog redelik nuut in die vakgebied van die risikobestuur. Die behoefte aan meer innoverende multivlak benaderinge om moontlike verliese te beperk, tesame met die toenemende weerstand teen kruissubsidiëring inherent aan tradisionele versekering, het tot die ontwikkeling van die gebonde (gevange) versekeringsbedryf as 'n wyse van alternatiewe risiko-oordrag gelei. Die doelstelling van hierdie navorsing was om die toepaslikheid van gebonde versekeraars as 'n risikobestuursmeganisme vir bestuurders te bestudeer. Die doelstelling omsluit 'n modelboubenadering vir bestuurders om die strategiese implikasies van die stigting en bedryf van 'n gebonde versekeraar te beheer. Die voortvloeiende take van die werkstuk is soos volg: • Die voltooiing van 'n literatuurstudie van die basiese teorie wat oor gebonde versekering, as 'n wyse van interne risikofinansiering vir bestuur beskikbaar is; • Die versameling van relevante empiriese inligting oor die onderwerp deur middel van vraelyste wat op die literatuurstudie gebaseer is; • 'n Kritiese ontleding van die versamelde inligting; en • Die ontwikkeling van 'n besluitnemingsmodelop grond van die resultate van die beskikbare inligting wat as 'n praktiese gids vir bestuur kan dien met betrekking tot besluitingneming oor die stigting en bedryfvan 'n gebonde versekeraar. Vyf en twintig vraelyste is gedurende Februarie 2003 gepos om al die geregistreerde binnelandse gebonde versekeringsmaatskappye, asook gebonde versekeringsmaatskappye wat uit verskillende selle bestaan ("cell captive insurance companies"), in Suid-Afrika te bereik. Buitelandse gebonde versekeringsmaatskappye kon nie deel van hierdie studie vorm nie vanweë artikel 33 van die Reserwebank se Wet nr. 90 van 1989 insake vertroulike inligting. Van die 25 gebonde versekeringsmaatskappye het 21 maatskappye die vraelyste voltooi en drie respondente het aangedui dat hulle nie meer by die aktiwiteite van gebonde versekering betrokke was nie. 'n Reaksiekoers van meer as 95 persent is gevolglik behaal. Stellenbosch University http://scholar.sun.ac.za Die inligting vanuit die vraelyste is opgesom deur middel van 'n SPSS-sigblad en 'n aantal statistiese ontledings is gedoen, wat die basis van die empiriese studie gevorm het. Die resultate van die empiriese studie ten opsigte van binnelandse gebonde versekeraars, asook gebonde versekeraars wat uit verskillende selle bestaan, het tot gevolgtrekkings gelei met betrekking tot die belangrikheid van die verlangde doelstellings vir die stigting en bedryf van gebonde versekeraars. Die drie belangrikste faktore wat die besluitneming van 'n houermaatskappy behoort te beïnvloed om 'n binnelandse gebonde versekeraar te stig, is geïdentifiseer as die finansiële verbintenis van die houermaatskappy, die spreiding van die risiko's van die houermaatskappy en die retensiekapasiteit van die houermaatskappy. Die drie belangrikste faktore wat die besluitneming van 'n houermaatskappy behoort te beïnvloed om 'n binnelandse gebonde versekeraar te bedryf, is geïdentifiseer as die retensiekapasiteit van die houermaatskappy, die finansiële verbintenis van die houermaatskappy en die bestuursverbintenis van die houermaatskappy. Die drie belangrikste faktore wat die besluitneming van 'n houermaatskappy behoort te beïnvloed om 'n gebonde versekeraar wat uit verskillende selle bestaan, te stig, is geïdentifiseer as die spreiding van die risiko's van die houermaatskappy, die retensiekapasiteit van die houermaatskappy en die finansiële verbintenis van die houermaatskappy. Die drie belangrikste faktore wat die besluitneming van 'n houermaatskappy behoort te beïnvloed om 'n gebonde versekeraar wat uit verskillende selle bestaan, te bedryf, is geïdentifiseer as die finansiële verbintenis van die houermaatskappy, die spreiding van die risiko's van die houermaatskappy en die bestuursverbintenis van die houermaatskappy . 'n Besluitnemingsmodel is as hulpmiddel vir risikobestuurders ontwikkel, vrr beide binnelandse gebonde versekeraars asook gebonde versekeraars wat uit veskillende selle bestaan, om met besluitneming ten opsigte van die stigting en bedryf van 'n gebonde versekeraar as deel van hul risikobestuursprogram te help. Die voortvloeiende gevolgtrekkings en aanbevelings van die werkstuk was grootliks gebaseer op die persoonlike menings van die gebonde versekeraars wat aktief in die Suid-Afrikaanse gebonde versekeringsbedryf is. Dit word gevolglik aanbeveel dat toekomstige navorsing ook die rol en menings van die houermaatskappye insluit.
Jabbour, Mirna. "Investigation of risk management changes in insurance companies." Thesis, Brunel University, 2013. http://bura.brunel.ac.uk/handle/2438/7964.
Full textAkinbola, Oluwakemi Ejide, and Isaac Likali Tsowa. "ETHICAL ISSUE : A PROBLEM IN NIGERIA INSURANCE COMPANIES." Thesis, Blekinge Tekniska Högskola, Sektionen för management, 2010. http://urn.kb.se/resolve?urn=urn:nbn:se:bth-1146.
Full textkemi987@yahoo.co.uk, +46760825772
Akinbola, Isaac Likali Tsowa &, and Oluwakemi Ejide. "ETHICAL ISSUE : A PROBLEM IN NIGERIA INSURANCE COMPANIES." Thesis, Blekinge Tekniska Högskola, Sektionen för management, 2010. http://urn.kb.se/resolve?urn=urn:nbn:se:bth-1148.
Full textFrizziero, Luca <1995>. "Credit risk management in banks and insurance companies." Master's Degree Thesis, Università Ca' Foscari Venezia, 2020. http://hdl.handle.net/10579/16815.
Full textDahlin, Rob C. "Historical role of insurance company loss control services and their impact on the insurance buying decision." Online version, 1998. http://www.uwstout.edu/lib/thesis/1998/1998dahlinr.pdf.
Full textWeier, Annette 1960. "Demutualisation in the Australian life insurance industry." Monash University, Dept. of Economics, 2000. http://arrow.monash.edu.au/hdl/1959.1/8371.
Full textYu, Kok-leung, and 余國樑. "A study of the rising roles of China state-owned and other Chinese capital insurance companies in the insurance market of Hong Kong andhow insurance companies can survive this impact." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 1998. http://hub.hku.hk/bib/B31269539.
Full textDiallo, Alahassane Issah. "Synergy, asymmetric information, or wealth redistribution : an empirical inquiry to the formation of captive insurance companies /." The Ohio State University, 1985. http://rave.ohiolink.edu/etdc/view?acc_num=osu1487261553060377.
Full textMcDonald, Thomas Gordon, and mikewood@deakin edu au. "The use and cost effectiveness of computer based training in the insurance industry." Deakin University, 1998. http://tux.lib.deakin.edu.au./adt-VDU/public/adt-VDU20051202.091334.
Full textBlair, Mark. "Choice of ownership structure in the Australian life insurance industry." Phd thesis, Department of Accounting, 1991. http://hdl.handle.net/2123/7910.
Full textPlath, Tobias Felix D. "Das Lebensversicherungsunternehmen in der Insolvenz : unter besonderer Berücksichtigung des Gesetzes zur Umsetzung aufsichtsrechtlicher Bestimmungen zur Sanierung und Liquidation von Versicherungsunternehmen und Kreditinstituten vom 10. Dezember 2003 /." Frankfurt am Main [u.a.] : Lang, 2007. http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&doc_number=015673563&line_number=0002&func_code=DB_RECORDS&service_type=MEDIA.
Full textAfambo, Edoh Fofo. "Operational Risk Capital Provisions for Banks and Insurance Companies." Digital Archive @ GSU, 2006. http://digitalarchive.gsu.edu/rmi_diss/15.
Full textLawings, Michael Anthony. "Business continuity operational strategies for national healthcare insurance companies." Thesis, Georgia Institute of Technology, 2002. http://hdl.handle.net/1853/21804.
Full textBerketi, Alexandra. "Allowing for insurance companies' liabilities in mean-variance models." Thesis, Heriot-Watt University, 1998. http://hdl.handle.net/10399/600.
Full textHe, Nanxing. "Strategic management issues of foreign insurance companies in China." Thesis, University of Nottingham, 2002. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.401457.
Full textAkinwale, Samson Olusegun. "Asset portfolio decision making process of Nigerian insurance companies." Thesis, Manchester Metropolitan University, 2006. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.426457.
Full textKarabey, Ugur. "Risk capital allocation and risk quantification in insurance companies." Thesis, Heriot-Watt University, 2012. http://hdl.handle.net/10399/2566.
Full textÖhman, Oscar. "Rating corrumption within insurance companies using Bayesian network classifiers." Thesis, Umeå universitet, Statistik, 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-160810.
Full textBayesianska nätverk (BN) är en typ av sannolikhetsmodell som används för klassificering. Inlärningsprocessen av en sådan modell består av två steg, strukturinlärning ochparameterinlärning. Fyra olika BN-klassificerare kommer att skattas. Dessa är två stycken Naive Bayes-klassificerare (NB), en Tree augmented naive Bayes-klassificerare (TAN) och enForest augmented naive Bayes-klassificerare (FAN). De två olika NB-klassificerarna kommer att skilja sig åt i att den ena använder sig av generativ parameterskattning, medan den andra använder sig av diskriminativ parameterinlärning. Chow och Lius (CL) berömda algoritm, där det ingår att beräkna betingad ömsesidig information (CMI), brukar ofta användas för att hitta den optimala trädstrukturen. Denna variant av TAN är känd som CL-TAN. FAN är en annan slags uppgradering av NB, som kan anses vara en förstärkt variant av CL-TAN, där förklaringsvariablerna är kopplade till varandra på ett sätt som ger en skogs-liknande struktur. De två olika parameterinlärningsmetoderna som används är generativ inlärning och diskriminativ inlärning. Den förstnämnda använder sig av maximum likelihood-skattning (MLE) för att optimera parametrarna. Detta är smidigt, men samtidigt skattas inte det som avsetts. Den sistnämnda metoden använder sig istället av betingad maximum likelihood-skattning (CLE), vilket ger en mer korrekt, men också mer komplicerad, skattning. Dessa sex modeller kommer att tränas i syfte att hitta den modellsom bäst skattar korruptionsnivåerna inom olika försäkringsbolag, givet dess egenskaper iform av förklaringsvariabler. En multiklassvariant av Area under the reciever operatingcharacteristics (ROC) curve (AUC) används för att bedöma skattningsprecisionen för varjemodell. Analysen resulterade i anmärkningsvärda resultat för de generativa modellerna,som med goda marginaler skattade mer precist än den diskriminativa NB-modellen.Tyvärr kan detta dock vara en indikation på optimeringsproblem vid de diskriminativa parameterinlärningen av NB. Ett annat anmärkningsvärt resultat var att av samtliga generativa modeller, så var CL-TAN den modellen med högst AUC, trots att FAN i teorinska vara en förbättrad variant av CL-TAN. Även den generativa NB-modellens resultat var anmärkningsvärd, då denna modell hade nästan lika hög AUC som de generativa CL-TAN och FAN-modellerna.
Manthey, Kate. "Factors influencing completion of the Chartered Property Casualty Underwriter professional designation." Online version, 2009. http://www.uwstout.edu/lib/thesis/2009/2009mantheyk.pdf.
Full textKwong, Sze-ki Louis, and 鄺士奇. "A study of the profits of local general insurance companies." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 1987. http://hub.hku.hk/bib/B3126380X.
Full textOsman, Abdelghafour Mohamed. "Structured products: Pricing, hedging and applications for life insurance companies." Thesis, Uppsala University, Department of Mathematics, 2009. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-119969.
Full textHaboub, Ahmad. "Essays on equity valuation and accounting conservatism for insurance companies." Thesis, Brunel University, 2017. http://bura.brunel.ac.uk/handle/2438/15823.
Full textWeng, Deh-Yen 1970. "China's life insurance industry : opportunities and challenges for foreign companies." Thesis, Massachusetts Institute of Technology, 2000. http://hdl.handle.net/1721.1/9208.
Full textAlso available online at the DSpace at MIT website.
Includes bibliographical references (leaves 95-97).
Since China began its "open door" policy in the late 1970s, this huge undeveloped market has attracted the attention of investors from all over the world. The fast growing economy has also stimulated demand in the insurance business. China opened its insurance market to foreign entrants in 1992. However, this is only a gradual step due to numerous restrictions on licensing, geographical scope, product scope and operation. In the US-China WTO agreement, China has committed to more fully open the insurance market, and this will provide some opportunities for foreign companies. This thesis attempts to examine the life insurance industry in Mainland China and to identify the opportunities and challenges for foreign entrants. In addition to describing the current industrial environment by investigating regulatory issues, the major players, competition, market factors, and the dynamics of foreign and domestic companies, this thesis will also discuss the market potential, the impacts of the WTO agreement, and changes and opportunities for the future. Some critical non-market factors associated with the market are also addressed including political and economic issues, the legal framework and administrative system, working relationships, cultural differences, and investment issues. There is no intention for a conclusion in this thesis, since for most foreign insurers, multinational insurance groups in particular, it is not likely that they can refuse becoming involved in this market. Therefore, the main purpose of this thesis is to describe an overview of this market, to point out the risks, and to provide some suggestions for foreign companies to take into account before they enter China.
by Deh-Yen Weng.
M.B.A.
Solovei, I., Людмила Борисівна Рябушка, Людмила Борисовна Рябушка, Liudmyla Borysivna Riabushka, Світлана Григорівна Золотова, Светлана Григорьевна Золотова, and Svitlana Hryhorivna Zolotova. "Current status and tendencies of insurance companies investment activity development." Thesis, Sumy State University, 2020. https://essuir.sumdu.edu.ua/handle/123456789/77909.
Full textZanjani, George. "Essays on capital and risk in insurance production /." 2000. http://gateway.proquest.com/openurl?url_ver=Z39.88-2004&res_dat=xri:pqdiss&rft_val_fmt=info:ofi/fmt:kev:mtx:dissertation&rft_dat=xri:pqdiss:9978093.
Full textBader, Kristian B. "Strategic design factors for an automated customer interface in Swiss insurance companies : an exploratory study." 2007. http://arrow.unisa.edu.au:8081/1959.8/80844.
Full textChiu, Yi-Jing, and 邱怡菁. "The Development of Mobile Insurance in Taiwan Life Insurance Companies." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/12674764647988049489.
Full text逢甲大學
風險管理與保險學系
103
The research is about the development of Mobile Insurance in Taiwan life insurance companies. By visiting and interviewing salespeople, we can know that the situation of Mobile Insurance and the benefits it bring. We also understand the difficult in their APPs exploiting, promotion and then how to solve those difficulties. Mobile Insurance brings life insurance companies many benefits, the most obvious point is that the cost of human resource because it causes labors reallocation. The most difficult of all is developing APPs, creating APPs is good for salespeople with higher stability are the most necessary to resolve for life insurance companies because APP is an important role in developing Mobile Insurance for life insurance companies. Finally, giving two pieces of advice to life insurance companies via the study. First, let salespeople to accept new sales pattern in progressive way. Second, the task of creating APPs must be conducted by IT department in life insurance companies. It makes data connects smoothly and would be convenient for salespeople.
Shieh, Jinq Wen, and 謝靜雯. "Competitive Strategy of Life Insurance Companies." Thesis, 1997. http://ndltd.ncl.edu.tw/handle/77882516715743303015.
Full textChou, szu-chi, and 周思錡. "Merger of Taiwan Life Insurance Companies." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/18604489291267313334.
Full text國立雲林科技大學
財務金融系
102
The Taiwanese government enacts “financial holding company law” in 2001 and conduct secondary financial reforms in 2004. Hereafter, many Taiwanese financial companies, including banks, securitiy and insurance companies, set up financial holding companies through merge and acquisitions. The subprime mortgage financial crisis of 2007 and European financial crisis led to numbers of foreign financial institutions failing and triggered the organization structure reform of Taiwan’s financial institurions. This study analyzes the pre-acquisition and post-acquisition performance of Taiwanese life insurance companies. The results show that the return on assets and net profit increase and the number of employee significantly decrease after merge.
Bigodinho, Joana Ricardo. "Predictive Underwriting in Life Insurance Companies." Master's thesis, 2022. http://hdl.handle.net/10362/135870.
Full textO desenvolvimento e o avanço tecnológico têm tido um impacto relevante na vida da população, nas mais diversas áreas de interação, principalmente no que toca a atividades de proteção da vida da população e de aforro de capitais. Cada vez mais a população se desprende dos métodos tradicionais e dá preferência a novas técnicas, onde prevaleçam processos mais ágeis e capazes de dar resposta no momento. Neste sentido, na atividade seguradora, torna-se imprescindível o acompanhamento desta necessidade. Atualmente, cerca de 50% da população portuguesa contratou um seguro de vida, quer sejam ligados a fundos de investimentos, crédito à habitação ou não. Muitos estudos desenvolvidos nesta área, demonstram que existem fatores determinantes na tomada de decisão para efetuar um seguro de vida, tais como a nível demográfico, económico e institucional. Por este motivo, este projeto pretende analisar, através da implementação de modelos preditivos, os principais fatores de risco que facilitem o processo da tomada de decisão, quer na visão da entidade seguradora como do segurado, garantido um processo de subscrição mais ágil, eficaz e confiável. Assim, analisou-se modelos de Predictive Underwriting em produtos de vida risco. Para tal, foram analisados os principais fatores de risco, através da aplicação de modelos preditivos na base de dados de uma carteira de produtos de vida risco, com indicadores do presente e do passado, utilizando um histórico de 2 anos fornecido pela entidade seguradora, onde se identificaram as variáveis de subscrição mais correlacionadas e significantes. Este projeto realizou-se com o acompanhamento da área técnica do negócio vida da companhia de Seguros Fidelidade, tento sido aplicado à sua carteira de Vida Risco. Ao longo deste projeto foi possível constatar que existem diversos fatores que são avaliados no momento da subscrição de um seguro de vida que não acrescentam informação essencial à avaliação de risco, assim como o reverso também acontece. Foram então identificados, dentro dos fatores atualmente considerados, aqueles que maior impacto têm na aceitação do risco. Para além disso, foram também sugeridos fatores determinantes de risco que não estavam a ser considerados. Através do desenvolvimento e implementação deste modelo, pretende-se que o processo de subscrição seja o mais assertivo possível contribuindo para uma redução do risco adquirido e com uma redução considerável no tempo despendido para a avaliação do risco de cada cliente.
Technological development has a relevant impact on the lives of the population, in the most diverse areas of interaction, especially about life protection and capital savings activities, it is essential to keep up with this need of the population. Nowadays, the population is letting go the traditional methods and giving preference to new techniques, more agile processes prevail and can respond at the moment. Thus, it is essential that Insurance Activity follow this new demand of the population to benefit from faster and more efficient processes. Currently, about 50% of the Portuguese population has a life insurance, whether they are linked to investment funds or not. Many studies developed in this area show that there are determining factors in the decision to take out life insurance, such as demographic, economic, and institutional levels. For those reasons this project pretends analyze, with predictive models, the mains factors that facilitate the decision-making process by the insurance company, in order to evaluate the risk more quickly and efficiently. Thus, this project pretends to analyze a Predictive Underwriting model in life risk products. For this, the main risk factors will be analyzed, through present and past indicators, using a 2-year history provided by the insurance company, looking for the most correlated and significant underwriting variables. This project will be carried out with attendance from the life technical area at Fidelidade Insurance Company and applied to its life risk portfolio. Throughout this project, it was possible to see that exists several factors that are evaluated when taking out a life insurance policy, that do not add essential information to the risk assessment, as well as the reverse also occurs. Among the factors currently considered, those that have the greatest impact on risk acceptance were identified. Furthermore, it was also suggested other determining risk factors that were not being considered at the moment. Subsequently, through the development and implementation of this model, it is expected that the underwriting process will be as assertive as possible and with a considerable reduction in the time spent on risk assessment for each customer.
Tsai, Jeffrey Tzu-Hao, and 蔡子晧. "Hedging Longevity Risk for Life Insurance Companies." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/05634705539081336887.
Full text國立臺灣大學
財務金融學研究所
96
The longevity impacts human sociality including insurance companies and individuals. The demand for annuity product increase rapidly for individuals but issuing the annuity-type product pushes the insurance company in extreme high longevity risk. This risk is systematic and non-diversifiable by the Low of Large Number method. We provide two new methods to against this risk by the concept of nature hedging of annuities and life insurances. On is the Duration Match approach, another is Quantile Liability Allocation (QLA) approach. Both strategies reduce the longevity risk effectively and provide the insure companies with an optimal liability allocation at the same time. In Part I, we hedge annuity product risk with life insurance and find the optimal hedging proportion under Duration Match approach. Different to Cox and Lin (2007) swap approach, the proportion formula is derived by effective duration and has an analytic formulation. The mixed proportions under different age, gender, coverage and method of payment are explored numerically. Part II incorporates the mortality nature hedging strategy of Cox et al. (2007) and the two-factor stochastic mortality model of Cairns et al. (2006b). We propose a quantile liability allocation (QLA) method for insurance companies to hedge against mortality systematic risk. We integrate the risk premiums loadings of systematic risk into the model by Sharpe Ratio Pricing Principle suggested as Milevsky et al. (2006). The QLA model can lead to an optimal liability structure that has smaller quantiles under the required loading return and a multiple liabilities framework. We compare the hedging results to duration match method of Wang et al. (2008) and show that QLA method have a better distribution risk reduction effect when the mortality shift are non-parallel. The parameter uncertainty could be included into the model as well.
Zhu, Jiayan. "China's insurance companies' efficiency: an empirical study." Doctoral thesis, 2019. http://hdl.handle.net/10071/21344.
Full textTem-se assistido nos últimos 20 anos um desenvolvimento extraordinário da indústria de seguros na China, contudo, o problema da ineficiência continua a ser um problema grave porquanto que a indústria de seguros na China caracteriza-se no essencial pela expansão em dimensão e não nos fatores de competitividade. A necessidade de melhoria da capacidade competitiva da indústria chinesa de seguros e, em especial, a eficiência de seguradoras de capital chinês tem sido uma preocupação importante para o governo chinês, para os reguladores e para as próprias instituições seguradoras. Este trabalho, utilizando o método de eficiência DEA de três estádios e uma amostra composta por 43 seguradoras de seguros imobiliários e 53 outras do ramo vida, computou a eficiência técnica, eficiência técnica pura e a escala de eficiência no período de 2008 e 2011. Os resultados da investigação mostram que a indústria seguradora da China tem uma elevada eficiência técnica e técnica pura, enquanto que a escala de eficiência é baixa e demonstramos que se encontrava numa fase de desenvolvimento no período de 2008 e 2011. De acordo com a nossa investigação empírica, a razão principal da fraca competitividade das seguradoras chinesas de pequena e média dimensão é o desequilíbrio entre «inputs» e «outputs». Com uma afetação racional de recursos, otimização de estratégias de mercados e controlo de custos, a eficiência das seguradoras poderia ser melhorada. Na análise de fatores que afetam a eficiência das empresas chinesas de seguros, o nosso estudo mostra que o reforço de ativos contribuirá para a melhoria da eficiência técnica e da escala de eficiência de seguradoras tanto do ramo vida como do ramo imobiliário. Concluímos ainda que as seguradoras estrangeiras têm melhor eficiência do que as congéneres chinesas, mas avaliando pela ótica de eficiência técnica, as seguradoras chinesas têm melhor desempenho que as seguradoras estrangeiras.
ChinChang and 張瀞. "Are insurance companies in FHC Performing better?" Thesis, 2017. http://ndltd.ncl.edu.tw/handle/99539384669474998471.
Full text國立成功大學
財務金融研究所碩士在職專班
105
The main goal of operating enterprises is to increase revenue and to reach sustainable development. After the Financial Holding Company Act was passed, large financial institutions’ services have gradually become more diverse. Among them, insurance channel has been garnering most attention. This study was made to discuss the effectiveness of the management offinancial holding companies and non-financial holding companies, and to see if having more data on the clients in the financial holding companies would allow them to be more superior to the non-financial holding companies. The study used financial data collected from Taiwanese insurance companies from 2007 to 2015, and were analyzed with a multiple regression analysis method. The results obtained from this study showed that premium market share, firm size, financial leverage, return on investment, and expense all affect the effectiveness of both the financial holding companies and non-financial holding companies. However, there is no clear indication on whether the financial holding companies or non-financial holding companies was superior in terms of their performance.
Chen, Si-Rong, and 陳思蓉. "Insurance Companies Employees' Perceptions of Operational Risks." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/79894121808198501236.
Full text朝陽科技大學
保險金融管理系
105
As today’s financial market landscape changes rapidly and financial businesses are becoming diversified, the corresponding risk management ability is a must for financial business operators. There are many risks companies may encounter in their operations, such as credit risk, country risk, interest rate risk, operational risk and market risk etc., among which operational risk is the risk that has been drawing increasing attention in recent years. The purpose of this study is to understand to what extent internal and field staff of life insurance companies recognize operational risk, causes of this risk in the operations of their companies, operational risk management and crisis handling therein in their companies, as well as suggest possible improvement in internal education and training for these companies by assessing how the two variables, company characteristics and staff demographics, affect the extent of recognition of the aforementioned four dimensions in hopes of reducing the probability of operational risk occurrence and associated loss. For the purpose of this study, an online questionnaire survey was conducted from October to November, 2016, resulting in 200 valid questionnaires. Linear regression, single factor analysis of variance and independent sample t-test were used for analysis. This study finds (1) whether the participating insurance professionals work for a financial holding company (FHC) or non-FHC has a significant positive effect on the extent of recognition of crisis handling in operational risk management in their companies, with the former having a greater extent of recognition of such than the latter; (2) whether these participants are in a managerial or non-managerial position has a significant positive effect on the extent of recognition of operational risk, with the former having a greater extent of recognition of such than the latter; and (3) the education of the participants has a significant positive effect on the extent of recognition of crisis handling in operational risk management in their companies, with those with a postgraduate degree having a greater extent of recognition of such than those with a high school or vocational high school degree.
Tsai, Jeffrey Tzu-Hao. "Hedging Longevity Risk for Life Insurance Companies." 2008. http://www.cetd.com.tw/ec/thesisdetail.aspx?etdun=U0001-1507200822455800.
Full textNing, Szu-Chi, and 甯思齊. "Determinants of Profitability of Life Insurance Companies." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/23jc7r.
Full text國立臺灣科技大學
企業管理系
107
The purpose of this research is to discuss the determinants of profitability of life insurance companies in Taiwan. The research examined whether the theory of “three factors of profitability” and being a subsidiary of financial holdings would influence the profitability of life insurance companies or not. The samples used in this research were the life insurance companies in Taiwan (30 companies), covering the period 2008-2017 (ten years). The samples were unbalanced panel data with 222 firm-years. The research used loss ratio and reinsurance ratio to measure the risk of mortality, rate of return of investment to measure the investment performances, operating expense ratio and commission expense ratio to measure operating efficiency, and a dummies variable which represented being a subsidiary of financial holdings. The result of this research showed that only investment performances and operating efficiency significantly influence the profitability of life insurance companies in Taiwan. And whether the insurance companies are subsidiaries of financial holdings or not didn’t significantly influence the profitability of the firms.
HSIEH, WAN-CHEN, and 謝宛真. "Person Accident Insurance and Financial Performance :Evidence from Non-Life Insurance Companies." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/sz3t4e.
Full text國立中央大學
產業經濟研究所在職專班
104
Personal Accident Insurance and Financial Performance: Evidence from Taiwan Non-Life Insurance Companies. Abstract The purpose of this study is to measure the financial performance of fourteen Taiwan non-life insurance companies by using annual statistics from 2007 to 2013. This study chose eight explanatory variables from other studies and two explanatory variables by me. The two explanatory variables are the ratio of personal accident insurance and the non-life insurance companies operating with the life insurance companies or not. This study also applied the panel data regression with fixed effect to the impact of financial performance. The empirical results indicate: 1. The ratio of reinsurance, return on investment, operating with the life insurance companies or not, and economic growth rate had a positive and significant effect on return on assets. The ratio of loss, financial leverage, and the years in business had a negative and significant effect on return on assets. 2. The ratio of reinsurance, return on investment, operating with the life insurance companies or not, and economic growth rate had a positive and significant effect on return on equity. The ratio of loss had a negative and significant effect on return on equity. 3. The ratio of personal accident insurance, financial leverage, the years in business had a positive and significant effect on operating profit ratio. The ratio of reinsurance and assets had a negative and significant effect on operating profit ratio.
Chen, Ying-Chen, and 陳穎蓁. "The business variation of equity-linked policy business in financial holding insurance companies versus non-financial holding insurance companies." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/14045731618558987715.
Full text淡江大學
保險學系保險經營碩士班
104
The study discusses the impact of the business variation of equity-linked policy business in financial holding insurance companies versus non-financial holding insurance companies. We used First-order Stochastic Dominance(FSD)、Second-order Stochastic Dominance (SSD)、Almost First-order Stochastic Dominance (AFSD) and Almost Second-order Stochastic Dominance (ASSD) to analyze whether operating the equity-linked policy of financial holding insurance companies of less risk or having better performance. And we used the premium of unit capital as variable of Stochastic Dominance then used market growth rate for variable of OLS to analyze the correlation of financial holding companies or non-financial holding companies. This study shows whole financial holding companies are better than whole market under the FSD. With AFSD we choice 2 financial holding companies to compare 2 non-financial holding companies then find it financial holding companies are better. However whole financial holding companies can’t show that better than non-financial holding companies by ASSD. But Riskiness have significant negative on Financial variable.
Wen, Yi-Liang, and 溫翊良. "The Analysis of Taiwan Life-insurance Companies to Enter the China Insurance Market." Thesis, 2001. http://ndltd.ncl.edu.tw/handle/57855726721943146966.
Full text淡江大學
國際貿易學系
89
As Mainland China is becoming a member of the World Trade Organization, it has to follow the WTO rules to liberalize its financial system including the insurance market. Following the prosperous of economy and the openness of its financial sector, China’s insurance market, in particular in life insurance sector, has shown a great potential of business for foreign insurance companies. However, there still are a lot of obstacles for foreign, including Taiwan, insurance companies to enter this great market. Therefore, how to enter China’s insurance market and establish strong position in this market has become a interesting issue for Taiwan insurance companies. Thus, the purpose of this thesis intends to explore the obstacles and strategies for Taiwan insurance companies to enter China’s insurance market. To serve this purpose, this thesis first will discuss the increasing competition, both internationally and domestically, in Taiwan’s life-insurance companies market. Then the potential of China’s insurance market will be analyzed. The entry and operational barriers for Taiwan and foreign life-insurance companies in this great potential insurance market and strategies to confront these obstacles will be also examined. Finally, this thesis concludes Taiwan life-insurance companies shall cooperate with foreign insurance companies or China’s banks by using strategic alliance to enter China’s insurance market in order to establish a strong position in this market.
LEE, GUAN-YI, and 李冠儀. "Business Model of Insurance Brokers Companies Case Study of Golden Insurance Brokers Company." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/4863ux.
Full text實踐大學
企業管理學系碩士在職專班
105
The market competition among insurance companies in Taiwan is becoming more intense in recent years, especially among insurance broker companies. The marketing threats come from not only 493 insurance companies in Taiwan but also bancassurance and direct-selling system. As a result, in order to stay prosperous among the insurance market, insurance companies require more innovative and precise operating strategies. In this thesis, the capabilities of insurance broker companies to expand the market with more innovative, creative operating strategies other than conventional marketing methods are discussed, by analyzing the current insurance market condition and operating policies. With a case study of the operation of Golden Insurance Brokers Company, the effectiveness of innovative operating strategies as well as marketing tools is discussed, which may further be used to establish Business Models for insurance brokers or the insurance companies. This research indicates that the Golden Insurance Broker Company not only revolutionizes conventional employees‘ performance assessment system popular among insurance companies, but also utilizes human-based management system to benefit both its employees and the public. Even without the extensive use of Integrated Marketing Communications tools, it is able maintain a steady increase in the number of its salespersons and company profit for the past 23 years; in addition, it is planned to be listed in stock market in 2018, which will be the 2nd listed insurance broker company in the country. Furthermore, with the in-depth review with managers of the company, the details of how it deals with marketing threats as well as challenges and utilizes its strength against its weakness to stay competitive are revealed.