临分超赔及风险管理(33页)ppt.rar
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Per Risk Excess of Loss & Risk Management
Agenda
Per Risk Capacity Demand Per Risk Capacity
Composition Proportional vs. Excess of Loss
Consideration to Switch to Risk Excess of Loss
China Per Risk Capacity - Peer Review and Outlook
Per Risk Capacity Demand
Per Risk Capacity Demand
Regulatory Requirement according to Article 103 of
the Insurance Law, a company’s maximum net exposure
to any one loss event may not exceed 10% of its
capital Shareholders’ Expectation maintaining a
stable earning reducing large losses avoiding unexpected
large losses Market Peers size and volatility of impact
on net income compared to peers measure real impact
on market valuation shareholders will want to invest
in a company with strong risk management with the
ability to withstand severe lossesUS Per Risk Market Losses
Japan Per Risk Market Losses
Risk Capacity Composition Normal Per Risk Capacity Composition
Net Retention
Facultative
Proportional Treaty
Per Risk Excess of Loss
2nd Retention protected by Per Risk Excess of Loss
Risk Capacity Composition – Global Examples
Risk Capacity Trends – U.S.