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The Financial Evaluation on Performance of Property Insurance Companies in China

Author: ZuoNi
Tutor: ZhuoZhi；CaiChun
School: Southwestern University of Finance and Economics
Course: Insurance
Keywords: Property Insurance Company Financial indicators Grey Relational Analysis Operating Performance
CLC: F842.3;F224
Type: Master's thesis
Year: 2008
Downloads: 232
Quote: 0
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Abstract

With China's rapid economic development, China's property and casualty insurance industry is also showing a rapid development momentum. However, due to our long-term property insurance market in a highly oligopolistic, so most of the property and casualty insurance company in order to obtain business at price competition, and sometimes even affect the property and casualty insurance company's operating performance levels, typical of the extensive operation. However, with the full liberalization of China's insurance industry, China's property insurance company, but the challenge is more severe among foreign property insurance company will further intensify competition, this competition concentrated expression of operating performance competition. Therefore, our property and casualty insurance companies with low levels of operating performance more significant issues outstanding. In addition, because of the special nature of property insurance, property insurance policyholders in the purchase of products, tend to choose a better operating performance, higher prestige property insurance company's products, the product itself expedition down in the second. Therefore, looking through the publicly available financial information on the property and casualty insurance companies to evaluate operating performance, better performance and screening out the poor performance of the company, is conducive to policyholders for insurance decisions to safeguard the interests of policyholders. In this context, the scientific evaluation of property and casualty insurance company's operating performance has practical significance. The different performance evaluation of the main evaluation data obtained by different evaluation perspectives are not the same, whereby the evaluation index system and evaluation method of choice is different. This article is from the ordinary small investors, policyholders and other external stakeholders perspective, in order to reveal the scientific performance of property and casualty insurance company for the purpose of use of the available published financial statements of foreign information to establish the corresponding evaluation index system and the introduction of gray relational analysis as a method of financial evaluation of business performance, the Chinese property insurance company's operating performance was evaluated from a financial aspect. With modern theory of financial evaluation of business performance continues to improve, the evaluation index system is very rich, evaluation methods also tend to diversify. Property insurance company as a special financial enterprises, financial evaluation of the performance of their business not only to financial evaluation of business performance of the general theory, also need to take full account of the particularity of property and casualty insurance companies, building evaluation index system and evaluation method selected. This is the logical thinking along the way are discussed in the Company's operating performance for the property insurance financial evaluation of the general theory are discussed on the basis of comprehensive analysis and learn from China's \system, the China Insurance Regulatory Commission regulatory indicators and international insurance rating agencies index system, the establishment of China's property insurance company financial performance evaluation index system, and try to introduce gray relational analysis as a method of financial evaluation of business performance. Finally, the index system and method for our property and casualty insurance companies from 2004 to 2006 the operating performance of an empirical analysis. Introduction This paper is divided into five chapters and a total of six sections. Introduction section introduces the research background, purpose, significance and research methods, and related concepts and research perspective to do in order to define, while noting that this innovative and shortcomings. Chapter property insurance company financial evaluation of the performance of the general theory. In this chapter the author focuses on property and casualty insurance company financial evaluation of business performance and the understanding that the property and casualty insurance company's financial performance evaluation refers to the evaluation of the object as a property and casualty insurance companies, combined with the special nature of its business, by selecting the appropriate financial indicators and evaluation methods for the use of certain property and casualty insurance company's operating period of time to conduct an objective, impartial and accurate evaluation, which reflect the company from a financial aspect in the evaluation period, the operating results and efficiency. In addition, this chapter points out the property and casualty insurance company financial performance evaluation process used by the basic theory, namely, \CHAPTER property insurance company financial performance evaluation index system. In this chapter, the author mainly analyzes and learn from China's \system in order to broaden our property and casualty insurance company financial performance evaluation index system of thought. Chapter III of property insurance companies - financial performance evaluation. In this chapter, the author introduces the domestic and international financial management performance evaluation method, evolution, and Chinese property insurance company operating performance of existing financial evaluation methods. Chapter Chinese property insurance company financial performance evaluation of the main problems and improve exploration. In this chapter, the author mainly analyzed and pointed out that Chinese property insurance company financial management performance evaluation index system and evaluation methods of the main problems that the Chinese property insurance companies operating performance evaluation index system of financial endless appropriate evaluation methods to be improved; and make improvements to explore, to China, \Chinese property insurance company financial performance indicator system, and the introduction of gray relational analysis of the current financial evaluation methods to improve it. Chapter Chinese property insurance companies operating performance gray relational analysis of financial evaluation. In this chapter the author in chapter index system established on the basis of using gray relational analysis on China Property Insurance Company from 2004 to 2006 the operating performance of financial evaluation of the status of empirical analysis, and empirical results obtained and conclusions; also prospected gray association analysis in property and casualty insurance company in the use of performance evaluation of the prospects. Innovation of this paper is that the author boldly learn from foreign insurers rating agencies and insurance regulatory department of property insurance company's financial evaluation index system, and the introduction of gray relational analysis as a method of financial evaluation of performance and innovation, in order to start a discussion. Specifically: ① This article will evaluate the relationship between the subject property and casualty insurance company is defined as an ordinary small investors operating performance, policyholders and other external stakeholders, from their perspective for evaluation. ② In this paper, China's \. ③ gray relational analysis is introduced as a property and casualty insurance company operating performance of financial evaluation methods, our property insurance companies from 2004 to 2006 to evaluate operating performance and sorting.

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CLC: > Economic > Economic planning and management > Economic calculation, economic and mathematical methods > Economic and mathematical methods
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