承保利润率

接下来对模型中的承保利润率和投资收益率是如何影响定价利润因子的分别进行了详细的介绍。

Secondly , underwriting profit margin and investment rate of return were expounded in detail .

各年承保利润率均高于同期保险市场发达的国家。

Annual underwrite profits keep higher than that of other countries which have a developed insurance market .

从理论上来讲，此模型将承保利润率和投资收益率这两个随机影响因素结合了起来，考虑它们对定价利润因子的影响，这就为确定定价利润因子提供了可供参考的依据。

Theoretically speaking , this model contain the two factors , which provided the basic reference for determine pricing profits margins .

因此，产险公司根据承保利润率和投资收益率确定定价利润因子时，应该更加重视承保利润率对它的影响。

Therefore , when insurance companies determine the pricing profit margin , they should pay more attention to the influence from underwriting profit margin .

尽管中国保险业飞速发展，保费增长迅猛，但由于市场竞争激烈，承保利润率逐渐下降；

Though China insurance develops at very fast speed and the speed of premium is high , market competition is more intense , underwriting profit margin decreases gradually ;

保险业竞争的加剧及承保利润率的降低，使得保险投资的重要性凸现，投资利润已成为保险业的主要利润来源。

Nowadays , insurance investment becomes more and more important , as the insurance competition picks up . Insurance company 's profit mainly comes from investment , along with the depression of accepting insurance profit .

用敏感性分析来测试承保利润率和投资收益率对定价利润因子的影响程度时，发现了承保利润率对定价利润因子的影响要大于投资收益率对定价利润因子的影响。

After the test for effects on the pricing profit margin from underwriting profit margin and investment rate of return , it was concluded that the effect on pricing profit margin from underwriting profit margin was greater than the effect from investment rate of return .

对保险公司而言，承保业务和保险资金投资业务是盈利的两个重要来源，资产增值多寡主要取决于承保利润率和保险资金投资收益率的高低。

Accept insurance and investments of insurance funds are both significant profit-earning sources for insurance companies .