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The Profitability Research of Chinese Life Insurance Company

Author: QiJing
Tutor: WangXuZuo
School: Beijing Technology and Business University
Course: Finance
Keywords: Life insurance companies Profitability Monte Carlo simulation Predict
CLC: F842.3
Type: Master's thesis
Year: 2013
Downloads: 25
Quote: 0
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Abstract


As a product of the market economy, the life insurance company inherited the generalbusiness goal of profit maximization. Since the life insurance business is resumed in1982China, the premium volume and operating efficiency of life insurance company aregradually improved. Contracting business and investment business as two sources ofprofit are getting increasing attentions in practical operating activities of life insurancecompanies. This paper will combine the theory of probability and statistics, and use MonteCarlo simulation method to analyze the way to get profits and predict the value in next fiveyears based on the historical and empirical data. This paper analyzed the ability of profitand its main factor to improve the profitability of China’s life insurance companies, andcan be treated as a power reference.The results show that: China’s life insurance company will be in good profitability inthe next five years, but there are some fluctuations; investment business will become thenew potential profit growth point, and the equity investment will contribute more profitthan deposits, funds and securities; the impact of withdraw rates on the profitability of lifeinsurance company is not significant in the long term. Overall, the authors suggest thatmanagers can do four efforts to improve the profitability of the life insurance company.Firstly, relax the investment channels and the ratio of investment to optimize theinvestment structure; Secondly, strengthen internal control and lose (to) pay managementto change the mode of life insurance marketing; Thirdly, strengthen the innovative designof the life insurance products to improve the level of insurance services, and properlyhandle surrender phenomenon, reshaping the image of the insurance industry; Finally,strictly carry out the regularization of the CIRC for "decision-making and promotedevelopment", took off virtual earnings gorgeous coat, and alert the risk of rapid earningsunder the new main.

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CLC: > Economic > Fiscal, monetary > Insurance > China's insurance industry > Insurance organizations
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