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Dissertations / Theses on the topic 'Insured risk'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Corzo, de la Colina Rafael, and Mendoza José Villafuerte. "Great risk insurances and disproportionate protection of insured persons in insurance contract Law." IUS ET VERITAS, 2017. http://repositorio.pucp.edu.pe/index/handle/123456789/122964.

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In this article, the authors tell us about great risk insurances and describe its regulation in foreign law. Then, they point out the protective role of State in the consumption relationship is to reduce information asymmetries, but there is no total disclosure obligation in the market. Therefore, information asymmetry ceases to be relevant when the user of the service has negotiating capacity and necessary resources to make an informed decision. They conclude it is pertinent to equate the application of the Peruvian Insurance Contract Law to international standards.<br>En el presente artículo

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2

Urick, Benjamin Y. "Assessing the relationship between pharmacy quality and healthcare cost for a commercially insured population." Diss., University of Iowa, 2016. https://ir.uiowa.edu/etd/2289.

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Background: In response to high cost and inadequate quality, the healthcare system is in the midst of a transition from paying for volume to paying for value. Billions of dollars could be saved through more effective medication use, and evidence supports the role of the community pharmacist in lowering healthcare cost and improving healthcare quality through medication optimization. Despite this, value-based payment models for community pharmacies are rare, and those that do exist have not been critically evaluated and implementation in a commercially insured population is rare. Objective: The

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Пахненко, Олена Михайлівна, Елена Михайловна Пахненко, Olena Mykhailivna Pakhnenko та Кузьменко О. Г. "Формування системного підходу до управління страховими ризиками". Thesis, Українська академія банківської справи Національного банку України, 2011. http://essuir.sumdu.edu.ua/handle/123456789/63411.

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4

Melkusová, Jana. "Škody katastrofického rozsahu a jejich dopady na pojišťovnictví." Master's thesis, Vysoká škola ekonomická v Praze, 2008. http://www.nusl.cz/ntk/nusl-10487.

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Thesis shows progression of catastrophic events and their influence on insurance market. Insurance and reinsurance are connected to conception of catastrophes and therefore it is necessary that this thesis firstly presents key features and classification of notion catastrophe itself. For understanding of the notion is important to differentiate between nature and manmade disasters. Next part summarizes large-scale events in 2008, significant events in the past and disasters in Czech Republic. Catastrophic events are analyzed from various angles, but the most important one seems to be insured l

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Vanghelof, Joseph C. "PNEUMOCOCCAL CONJUGATE VACCINE 13 COVERAGE IN CHILDREN, HIGH-RISK ADULTS 19-64 YEARS OF AGE, AND ADULTS OVER 65 YEARS OF AGE IN A COMMERCIALLY INSURED U.S. POPULATION." UKnowledge, 2017. http://uknowledge.uky.edu/pharmacy_etds/76.

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This thesis aimed to elucidate the demographic characteristics associated with elevated or reduced rates of pneumococcal conjugate 13 (PCV13) vaccination. A retrospective cohort study was performed using the Truven Health MarketScan® Database. Three cohorts were created corresponding to populations for which the CDC recommends PCV13 vaccination. Cohort 1: children < 36 months of age. Cohort 2: adults 19-64 years of age with high infection risk. Cohort 3: adults > 65 years of age. Odds of having a PCV13 claim were calculated for each cohort. For Cohort 1, 78% out of a total of 353,214 subjects

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Krvavych, Yuriy Actuarial Studies Australian School of Business UNSW. "Insurer risk management and optimal reinsurance." Awarded by:University of New South Wales. School of Actuarial Studies, 2005. http://handle.unsw.edu.au/1959.4/20675.

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In finance the existence of corporate risk management is due to imperfections in financial markets. One of the main imperfections is associated with the cost of corporate risk that firms assume. Costly corporate risk creates a set of frictional costs and thereby decreases corporate value. Financial corporations manage their risk to reduce the expected value of frictional costs and enhance shareholders' value, and do so using a wide variety of tools. This dissertation primarily considers an insurance company as a special type of financial corporation leveraged by risky debt, and investigates th

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Clinton, Christine. "Socioeconomic Status and Cancer Risks in Employer-Insured Cancer Survivors." ScholarWorks, 2018. https://scholarworks.waldenu.edu/dissertations/5616.

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Chronic illnesses such as cancer continue to be among the costliest for employers who provide health insurance to their employees. Despite efforts to incorporate health improvement programs in the workplace, there are concerns about the effectiveness of these programs that do not always deliver a positive return on investment. Little is known about the specific socioeconomic status of employees for whom these workplace health improvement programs are designed for. Guided by the social-ecological model, this study sought to understand the relationship between cancer health risks about socioecon

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8

Berketis, Nicholas G. "Risk-sharing relationships between shipowners and insurers." Thesis, City University London, 2004. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.410157.

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Kolouchová, Jana. "Inovace vybraných pojistných produktů a jejich alternativ." Master's thesis, Vysoké učení technické v Brně. Fakulta podnikatelská, 2018. http://www.nusl.cz/ntk/nusl-377960.

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The diploma thesis deals with innovations selected insurance products and their alternatives. The theoretical part describes the insurance market and development of insurance in the Czech Republic, defines important terms as a coincidence, insured event, insurance products, risk and legal norms in the insurance. In the practical part is an analysis of the selected insurance company and its competitors. On the basis of obtained information are selected insurance products compared. In the proposal part are recommended changes for existing insurance products of the selected insurance company in t

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10

Erhemjamts, Otgontsetseg. "Essays on Life Insurer Demutualizations and Diversifying Mergers and Acquisitions." Digital Archive @ GSU, 2005. http://digitalarchive.gsu.edu/finance_diss/1.

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One outcome of ever increasing competition and consolidation in the financial services industries has been the declining significance of the mutual organizational form in the U.S. life insurance industry. The process of converting from a mutual to a stock company gives rise to a variety of issues. The first three essays in this dissertation focus on the growing movement toward demutualization in the U.S. life insurance industry where essay one discusses industrial organization background. In essay two, I improve on the existing literature regarding the determinants of life insurer demutualizat

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Wilson, Deborah Jane. "Information, incentives and insurer behaviour : an analysis of selection in the health insurance market." Thesis, University of Bristol, 2000. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.340320.

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Wei, Xiangjing. "House Prices and Mortgage Defaults: Econometric Models and Risk Management Applications." Digital Archive @ GSU, 2010. http://digitalarchive.gsu.edu/rmi_diss/24.

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This dissertation first investigates the possible house price trend and the relationship with the mortgage market, from the perspective of risk management; then it chooses the angle from bond insurers and figures out possible methods to avoid capital procyclicality. In Chapter I, we apply vector auto regression models (VAR) and simultaneous equations models (SEM) to estimate the dynamic relations among house price returns, mortgage rates and mortgage default rates, using historical data during the time period of 1979 through second quarter 2008. We find that house prices would be better estim

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13

Ludwig, Alexander. "The new regulatory regime for European insurers - expected impact on insurers’ investment decisions and a critical assessment of its solvency capital requirements." Doctoral thesis, Saechsische Landesbibliothek- Staats- und Universitaetsbibliothek Dresden, 2015. http://nbn-resolving.de/urn:nbn:de:bsz:14-qucosa-171601.

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Under the current regulatory regime for insurance undertakings, Solvency I, the required capital margin does not depend on the allocation of investments, i.e. it is not sensitive to market risk arising from the volatility of market prices for e.g. equity, bond or real estate investments. To improve the protection of policyholders and create a unified regulatory regime in all countries of the European Economic Area (EEA), a risk-sensitive, forward-looking and principle-based regulatory accord for insurance undertakings called Solvency II will replace the current regime by 01.01.2016. Unlike So

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Sahlin, Carl, and Carl-Johan Hugner. "Dealing with the ORSA : A Dynamic Risk-Factor Based Approach for the Small, Swedish Non-Life Insurer." Thesis, KTH, Industriell Management, 2013. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-133477.

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The Own Risk and Solvency Assessment, ORSA, is referred to as the heart of the regulation to be for European insurance companies - Solvency II. The aim of the ORSA process is to provide an overall and holistic view of the insurer’s risks by analyzing their current financial status and business strategy at hand. There is no predefined way to implement this process, which means that the companies are forced to develop a model themselves, as they see fit. In collaboration with a regional insurance company in Sweden we develop a structure and framework for an ORSA-model, flexible enough to be used

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Chelwa, Grieve. "Ambiguity, ambiguity aversion and the coverage of uncertain risks : the case of the insurer." Master's thesis, University of Cape Town, 2011. http://hdl.handle.net/11427/10215.

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Ambiguity aversion is defined as an aversion to any mean-preserving spread in the probability space. Using the Smooth Ambiguity Model proposed by Klibanoff, Marinacci and Mukerji (2005), we show that ambiguity aversion results in a reduction in the proportion of insurance coverage offered by an insurer. This is because an ambiguity averse insurer calculates expected utilities by using a 'distorted' probability that raises the marginal disutility of wealth in the loss state. We also show that, in general, an ambiguity averse insurer will not offer more coverage to wealthier agents. Wealthier ag

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Seboko, Tilly. "Offshore cyber risk in the Marine Industry: limitations and challenges faced by the insurers and policyholders." Master's thesis, Faculty of Law, 2021. http://hdl.handle.net/11427/33957.

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As stated by Stephen Harris, a mere 30 years ago, the idea of commercial cyber-attack was rather a topic for the science fiction novelists than reality.' However, nowadays we witness a growing tendency of reoccurrence of this phenomenon across many sectors that rely on progressively advancing technology. Despite always being known as a conservative field, the maritime industry is no exception in terms of the exposure to risks that result from cyber-attacks.

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Banda, Musale Hamangaba. "A critical analysis of the management of climate change risk among short-term insurers in South Africa: evidence from company annual reports." Thesis, Rhodes University, 2009. http://hdl.handle.net/10962/d1003943.

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This study investigates the extent to which South African short-term insurance companies manage climate change risk, as evidenced in their annual and sustainability reporting. The study context takes into account the fact that the world’s climate has been changing at a more accelerated rate since the early 1970s, causing disasters that have negatively affected world economies in the last ten years. Insurers, due to their huge financial resource base, long history of spurring innovation around risk and encouraging loss-reducing behaviour as well as high levels of vulnerability, have been identi

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Acharyya, Madhusudan. "Exploring the understanding, motivation, design, challenges and performance of Enterprise Risk Management in the insurance industry : an empirical study on four major European Re/insurers." Thesis, University of Southampton, 2006. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.506617.

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Сапон, О. М. "Сучасні тенденції розвитку транспортного страхування". Thesis, Чернігів, 2021. http://ir.stu.cn.ua/123456789/25032.

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Сапон, О. М. Сучасні тенденції розвитку транспортного страхування : випускна кваліфікаційна робота : 072 "Фінанси, банківська справа та страхування" / О. М. Сапон ; керівник роботи О. І. Панченко ; НУ "Чернігівська політехніка", кафедра фінансів, банківської справи та страхування. – Чернігів, 2021. – 91 с.<br>Предмет дослідження – сукупність факторів, за допомогою яких функціонує галузь транспортного страхування в сучасних умовах, та можливості щодо подальшого розвитку. Об’єкт дослідження – тенденції розвитку транспортного страхування. Метою кваліфікаційної роботи є розробка теоретичних основ

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de, Sauvage Vercour Héloïse. "Analysis and comparison of capital allocation techniques in an insurance context." Thesis, KTH, Matematisk statistik, 2013. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-122863.

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Companiesissuing insurance cover, in return for insurance premiums, face the payments ofclaims occurring according to a loss distribution. Hence, capital must be heldby the companies so that they can guarantee the fulfilment of the claims ofeach line of insurance. The increased incidence of insurance insolvencymotivates the birth of new legislations as the European Solvency II Directive.Companies have to determine the required amount of capital and the optimalcapital allocation across the different lines of insurance in order to keep therisk of insolvency at an adequate level. The capital allo

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Klein, Christian [Verfasser], Christoph [Akademischer Betreuer] Kaserer, Christoph [Gutachter] Kaserer, and Ann-Kristin [Gutachter] Achleitner. "Systemic Risk and Contagion beyond the Banking Sector : Empirical Studies on Insurers and Real Sector Firms / Christian Klein ; Gutachter: Christoph Kaserer, Ann-Kristin Achleitner ; Betreuer: Christoph Kaserer." München : Universitätsbibliothek der TU München, 2019. http://d-nb.info/1202921981/34.

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Klein, Christian Verfasser], Christoph [Akademischer Betreuer] [Kaserer, Christoph Gutachter] Kaserer, and Ann-Kristin [Gutachter] [Achleitner. "Systemic Risk and Contagion beyond the Banking Sector : Empirical Studies on Insurers and Real Sector Firms / Christian Klein ; Gutachter: Christoph Kaserer, Ann-Kristin Achleitner ; Betreuer: Christoph Kaserer." München : Universitätsbibliothek der TU München, 2019. http://nbn-resolving.de/urn:nbn:de:bvb:91-diss-20190924-1471023-1-1.

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23

Kruťa, Adam. "Metodika pojišťovacího zprostředkovatele v rámci životního pojištění." Master's thesis, Vysoké učení technické v Brně. Fakulta podnikatelská, 2016. http://www.nusl.cz/ntk/nusl-240554.

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The influence of globalization is strengthening in all markets including the insurance market. In the past few years, new trends are bringing out various changes. People are becoming aware of the risks associated by not being covered by insurance and the exposure of financial loss that they could face. Due to this awareness, there are more questions that need to be raised by the insurer. Are the clients being provided enough coverage? What types of criteria should be set? All these questions are being asked by the insurance provider in order to alleviate any problems/loss and identify all the

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Струк, Д. О. "Забезпечення платоспроможності страхових компаній". Thesis, Одеський національний економічний університет, 2020. http://dspace.oneu.edu.ua/jspui/handle/123456789/12602.

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У роботі розглядаються теоретичні аспекти сутності поняття платоспроможності, платоспроможність страховика та страхового ринку, методичні підходи до оцінювання платоспроможності та ризики платоспроможності. Проаналізовано основні тенденції у платоспроможності страховиків на страховому ринку України, систему управління платоспроможністю СК «Арсенал страхування», систему ризик-менеджменту СК «Арсенал страхування». Запропоновано використання фінтеху стосовно страхування з аналізом можливостей, впровадження новітніх підходів до формування продуктової лінійки, рекомендації щодо управління платосп

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Cano, Melendez Maria Lourdes, and Rodríguez Rosa Vanessa Alondra Terrones. "La influencia de la percepción del riesgo en la intención de compra de un seguro patrimonial para personas de 30 a 60 años de Lima Metropolitana." Bachelor's thesis, Universidad Peruana de Ciencias Aplicadas (UPC), 2020. http://hdl.handle.net/10757/654504.

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Los seguros patrimoniales forman parte del portafolio de productos de las empresas aseguradoras, estos se ofrecen para el mercado empresas y personas. La intención de compra de este servicio ha desencadenado una serie de cuestiones sobre los factores involucrados en dicha acción. Es por ello, que se ha realizado una investigación académica donde se analizan los factores influyentes en la intención de compra de un seguro patrimonial, donde de la importancia se centra en la definición e interpretación de la percepción del riesgo. Esta percepción es un factor muy importante de analizar, puesto qu

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Коваленко, Д. П. "Розвиток пруденційного регулювання страхового ринку в Україні". Thesis, Чернігів, 2020. http://ir.stu.cn.ua/123456789/20191.

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Коваленко, Д. П. Розвиток пруденційного регулювання страхового ринку в Україні : дис. ... канд. екон. наук : 08.00.08 / Д. П. Коваленко. - Чернігів, 2020. - 179 с<br>В дисертаційній роботі розвинуто теоретичні засади дослідження суті пруденційного регулювання та систематизовано відповідний термінологічний апарат. Пруденційне регулювання страхового ринку запропоновано досліджувати з позиції інституційного підходу. Автором запропоновано розглядати пруденційне регулювання розвитку страхового ринку через сукупність дій регулятора щодо ідентифікації системних ризиків зовнішнього середовища та розр

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Brunel, Guillaume. "L'assurance de protection juridique : contribution à l'évolution du modèle assuranciel de l'accès au droit et à la justice." Electronic Thesis or Diss., Perpignan, 2022. http://www.theses.fr/2022PERP0011.

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L'assurance de protection juridique apparaît comme l'un des moyens pour faciliter l'accès au droit et financer l'accès à la justice. C'est parce qu'il existe un risque d'avoir à engager des frais pour faire valoir ou défendre ses droits que cette assurance peut répondre au besoin de l'assuré d'être protégé juridiquement et financièrement. L'assurance de protection juridique permet-elle de garantir un réel accès au droit et à la justice. L’objectif de recherche est de proposer une évolution de l’assurance de protection juridique pour améliorer l’accès au droit et à la justice. La première parti

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Petersson, Gustav Jakob. "Insurance and cartels through wars and depressions : Swedish Marine insurance and reinsurance between the World Wars." Doctoral thesis, Umeå universitet, Institutionen för ekonomisk historia, 2011. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-49020.

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The aim of this thesis is to enhance our understanding of Swedish marine insurers' choices of business strategies under the potentially difficult business circumstances of the interwar period 1918-1939. Little previous research exists on marine insurance during the interwar period. This is remarkable in the Swedish context since the Swedish economy has traditionally depended on its exports. The focus on Sweden is justified since the Swedish insurance market saw regulatory stability during the interwar period. It was also characterised by the coexistence of stock and mutual insurers, allowing t

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Ткаченко, Н. В. "Фінансова стійкість страхових компаній (методологія оцінки та механізми забезпечення)". Thesis, Українська академія банківської справи Національного банку України, 2011. http://essuir.sumdu.edu.ua/handle/123456789/51393.

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У дисертації обґрунтовано теоретико-методологічні засади забезпечення фінансової стійкості страхових компаній, які здійснюють ризикове страхування, шляхом розвитку методології її оцінки та механізмів забезпечення. Обґрунтовано концепцію забезпечення фінансової стійкості страхових компаній, що базується на застосуванні методології системного дослідження об’єкта (страхової компанії), функції (здійснення статутної діяльності), процесу (забезпечення фінансової стійкості) в поєднанні з ризиками, що дозволяє побудувати конструктивну модель для розуміння цілого, в нашому випадку підходу до оцінки й

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Ghalloussi, Farah. "L'assurance des nouveaux risques maritimes." Thesis, Paris 1, 2019. http://www.theses.fr/2019PA01D021.

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L’émergence de nouveaux risques qui pèsent sur l’opération de transport maritime soulève la problématique de leur appréhension par le droit maritime et par les techniques de l’assurance. En effet, celle-ci étant la condition sine qua non de ce commerce, mérite que ses méthodes d’appréhension des nouveaux risques et ses procédés pour les prendre en charge soient questionnés pour voir dans quelle mesure ils peuvent faire l’objet d’une opération d’assurance. L’hostilité du milieu maritime est donc accentuée par l’instabilité du cadre réglementaire international, les incertitudes liées à la naviga

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陳宣甫. "The Hidden Risk of Switcher Insured in Automobile Physical Damage Insurance." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/58008253134477755209.

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Sue, Chia-hao, and 蘇建豪. "Risk Determinants of Life Insurance Business Resources: An Example of Short-term Death/Injured Cases of the Insured." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/94175746267415775363.

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碩士<br>國立高雄第一科技大學<br>風險管理與保險研究所<br>99<br>ABSTRACT Taiwan’s domestic life insurance companies face more tough competition under globalization, so they focus on extension of new contracts and pay little attention on rigorous underwriting process. This study analyzes the sudden high risk of death or disability and provides underwriter reference, when reviewed the cases of the new contract. The insured included in this sample, which means that happens sudden death or disability within two years after insured date in the “C” insurance company during 2000 to 2010. Using the insured’s perspective to

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Kuo, Jun, and 郭盈君. "An analysis of the risk-shifting behavior of the insured financial institutions under the current deposit insurance system." Thesis, 1995. http://ndltd.ncl.edu.tw/handle/70551793913119357164.

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碩士<br>淡江大學<br>金融研究所<br>83<br>This paper uses the Jin-Chuan Duan , Moreau and Sealey model (1992) to test the hypothesis in respect to the control undertaken by seven listed financial institutions in Taiwan. With respect to the agency issue on the insured financial institutions,the concept of Saunders , Strock and Travlos (1990) is used to corroborate the said factor on the local insured financial institutions. The results of the empirical studies based on the sampled banks indicated the fol

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Zhi-Jia, Chen, and 陳志嘉. "A Study on the Insurance Claim Risk form the Characteristics of Insured Object ~ An Insurance Company as Evidence." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/22544273329687358701.

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碩士<br>國立高雄應用科技大學<br>商務經營研究所<br>98<br>There are agency problems (information asymmetry and moral crisis) between insurance company and insured. If the insured has moral crisis, then the insurance company will face significant losses. Therefore, the insured risk control is necessary. This study uses an insurance company in Taiwan as sample, and sampling 240 observations to analyze what characteristics will affect the occurrence and amount of insurance claims. The results show: (1) Gender has no correlation with the occurrence and amount of insurance claim. (2) Age is associated with insurance

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Chen, Chun-tao, and 陳春桃. "Analysis of the default risk of installment premium associatedwith overdue payment of category 1 insured unit under NationalHealth Insurance system–based on the example of Bureau of NHI Central Region Branch." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/45487481049624025840.

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碩士<br>雲林科技大學<br>財務金融系碩士班<br>96<br>To pay health insurance premium by installments is to assist those who are unable to pay the health insurance premium on time, and have overdue payment. Its main purpose is to get rid of the obstacles of taking medical treatment for the insured. As the default rate of installment premium for overdue payment in category 1 insured unit is rising year after year, this research attempts to probe the variables which significantly affect the default of installment payments, and tries to build an early-warning model of default on installment payment for the reference

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Wu, Mei Lan Actuarial Studies Australian School of Business UNSW. "Modelling dependent risks for insurer risk management: experimental studies with copulas." 2007. http://handle.unsw.edu.au/1959.4/40645.

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The increase in the use of copulas has introduced implementation issues for both practitioners and researchers. One of the issues is to obtain a copula function for a given set of data. The most common approaches for the estimation of the parameters of the copula functions have been the Maximum Likelihood Estimator (MLE) and the Inference Functions for Margins (IFM) methods. Archimedean copulas are one of the most important classes of copulas that are widely used in both finance and insurance for modelling dependent risks. However, simulating multivariate Archimedean copulas has always been a

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Mokgoantle, Oupa Joseph. "Risk maturity at a life insurer." Thesis, 2014. http://hdl.handle.net/10210/11251.

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M.Com. (Business Management)<br>Risk management is an important factor in ensuring business and project success. Thus, risk management methodologies are constantly being developed and improved. In order to define the goals, specify the process and manage progress, it is necessary to have a clear view of the enterprise‟s current approach to risk, as well as a definition of the intended destination. Benchmarking offers the opportunity to determine the current maturity capability against agreed frameworks, and also provides a structured route to improvement. A generally accepted framework is need

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Ren, Yayuan. "Frchahise value, competition and insurer risk taking." 2006. http://www.library.wisc.edu/databases/connect/dissertations.html.

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Madzingira, Nyasha. "The effects of climate change on short-term insurance claims in South Africa." Diss., 2016. http://hdl.handle.net/10500/25984.

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Climate change has become one of the most debated environmental risks. The world is faced with the threat of weather variability. There has been an increase in the frequency and severity of extreme weather events. There is rising concern that weather losses might affect the sustainability of insurance businesses. The primary obective of the study was to ascertain the significance of changes in temperature, precipitation and wind speeds in explaining changes in weather-related claims.Furthermore the reseach had three key secondary objectives, firstly to find if changes in annual average tempera

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Tsai, Yu-jen, and 蔡鈺貞. "Corporate Control, Family Control And Insurer Risk Taking." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/19759253240431249799.

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Chen, Shiuan-Ye, and 陳宣燁. "Operational Risk In Taiwan Life Insurers." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/03762911905777984152.

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碩士<br>朝陽科技大學<br>保險金融管理系<br>102<br>The risks to be faced when running an enterprise include credit risk, country risk, interest rate risk, operational risk, market risk, and many more, among them operational risk is gaining more and more attention in recent years. Operational risk is indeed a risk that should not be underestimated because it can happen both internally and externally, its frequency and amplitude can vary in a wide range, and the damage it brings can result in a huge impact to the enterprise. And it is the same case to the life industry. This research intends to investigate how

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Beisenov, Aidyn. "The life insurer Risk-Based Capital ratio : panel data analysis." 2013. http://hdl.handle.net/2152/22517.

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Many studies suggest the ability of the NAIC Risk-Based Capital ratio (RBC ratio) to predict insurer insolvency. Based on the US life insurer (insurer) data for the period of 2005 to 2008, this study finds explanatory variables that have a statistically significant relationship with the RBC ratio. Advantages of panel data over cross-sectional and time series data analysis are exploited to make valid inference on coefficients of the explanatory variables. Testing for unobserved insurer and time effects and for dependence between these effects and the explanatory variables indicates the appropri

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Hsu, Peiling, and 徐珮玲. "The Effectiveness of Insurer Market Discipline under Various Risk Measures." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/45309131723831829272.

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碩士<br>國立中正大學<br>財務金融研究所<br>99<br>This paper attempts to investigate the market discipline in the insurance industry, using four indicators to represent the insurer’s risk change. There are A. M. Best rating, risk-based capital ratio, financial analysis and surveillance Tracking and several accounting variables. This paper also adopts two models, fixed time effect and OLS model, and reaches the results that market discipline exists in the insurance industry by using the A. M. Best rating,FAST score and accounting variables as risk indicators. In addition, this paper tests the unsymmetrical effe

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Lee, Yen-Kuan, and 李彥寬. "Risk and solvency assessment of the life insurer under stochastic exchange rate." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/c2456d.

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碩士<br>國立政治大學<br>風險管理與保險學系<br>106<br>The financial market in Taiwan has been suffered from the low interest rate for a long time recently. To achieve higher rate of return, life insurance companies should invest in foreign assets. According to the statistics from Taiwan Insurance Institude,as of the first quarter of 2018, the proportion of overseas investment for all life insurance companies has reached 65.94%, so life insurance companies should consider currency hedging strategies to manage the risk of exchange rate . Thus, we will perform simulation of assets and liabilities, and different ty

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Li, Mengyi, and 李孟倚. "Value-at-Risk For the Reserve of Multi-Product Life Insurers." Thesis, 2000. http://ndltd.ncl.edu.tw/handle/92661504067929888562.

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碩士<br>國立政治大學<br>風險管理與保險學系<br>88<br>One of the major topics in insurance companies’ operations is the risk management of the reserves. Sound risk management of reserves involves the estimation of the moments and distribution of cash flows associated with sold policies. To estimate the moments or the distribution of future cash flows, one must model stochastic decrements and stochastic discount rates explicitly. Besides, one must consider an important feature of insurance policies: future cash flows may be interest-rate-sensitive. Ignorance of such characteristic may mislead the insurer to o

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Oliveira, Inês Bruno de. "Application of neural networks to the detection of fraud in workers’ compensation insurance : application to a Portuguese insurer." Master's thesis, 2018. http://hdl.handle.net/10362/32561.

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Project Work presented as the partial requirement for obtaining a Master's degree in Statistics and Information Management, specialization in Risk Analysis and Management<br>Insurance relies on a complex trust-based relationship in which a policyholder pays in advance to be protected in the future. In Portugal, workers’ compensation insurance is mandatory which may restrict the course of action of both players. Insurers face significant losses, not only due to its core business, but also due to the swindles of claimants and policyholders. Insureds may not have in the market what they really wa

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Ludwig, Alexander. "The new regulatory regime for European insurers - expected impact on insurers’ investment decisions and a critical assessment of its solvency capital requirements." Doctoral thesis, 2014. https://tud.qucosa.de/id/qucosa%3A28782.

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Under the current regulatory regime for insurance undertakings, Solvency I, the required capital margin does not depend on the allocation of investments, i.e. it is not sensitive to market risk arising from the volatility of market prices for e.g. equity, bond or real estate investments. To improve the protection of policyholders and create a unified regulatory regime in all countries of the European Economic Area (EEA), a risk-sensitive, forward-looking and principle-based regulatory accord for insurance undertakings called Solvency II will replace the current regime by 01.01.2016. Unlike So

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Sharara, Ishmael. "Toward a unified global regulatory capital framework for life insurers." Thesis, 2011. http://hdl.handle.net/10012/5812.

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In many regions of the world, the solvency regulation of insurers is becoming more principle-based and market oriented. However, the exact forms of the solvency standards that are emerging in individual jurisdictions are not entirely consistent. A common risk and capital framework can level the global playing field and possibly reduce the cost of capital for insurers. In the thesis, a conceptual framework for measuring the insolvency risk of life insurance companies will be proposed. The two main advantages of the proposed solvency framework are that it addresses the issue of incentives in the

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Lin, Yi-ling, and 林逸苓. "Measuring Insolvency Risk and Capital Adequacy for Insurers- The Case of AIG." Thesis, 2009. http://ndltd.ncl.edu.tw/handle/f6jf4k.

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碩士<br>靜宜大學<br>財務金融研究所<br>97<br>This paper adopts the option-based framework and uses market-based data to measure the insolvency risk, risk-based premium, risk-based capital and needed capital infusion for insurers. The model uses the bailout put to measure the guaranty value and required capital standards in an environment of stochastic assets and liabilities. The paper first applies equity price data and equity as a call option relation to estimate the critical values of assets and liabilities and their return volatilities, and then uses these estimates as inputs to calculate the fairly-pric

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TSAI, SZU-YING, and 蔡思瑩. "A Study on the Correlation of Mortgage Life Insurance Perception, Perceived Risk and Willingness to Insure." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/52531349514281789737.

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碩士<br>中華大學<br>企業管理學系<br>105<br>Taiwan’s real estate economy has gradually recovered from the downturn since the SARS storm. The real estate market transactions moving at a feverish pace have led to a flourishing mortgage market. Therefore, transactions in relation to the supply and demand of the mortgage market have increased substantially, and banks play the role of capital providers. In addition to promoting policy-based preferential mortgages in accordance with the government laws and regulations, in order to compete for relevant interests in the mortgage market, a variety of preferential m

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