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The Global ETD Search service is a free service for researchers
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Our metadata is collected from universities around the world. If you manage a university/consortium/country archive and want to be added, details can be found on the NDLTD website.
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Showing 51 to 57 of 57 (0.02 seconds)| 51 |
[en] MODEL FOR CALCULATING THE NEED FOR CAPITAL TO COVER THE UNDERWRITING RISKS OF NON-LIFE OPERATIONS / [pt] MODELO DE CÁLCULO DA NECESSIDADE DE CAPITAL PARA COBRIR OS RISCOS DE SUBSCRIÇÃO DE OPERAÇÕES NÃO VIDAEDUARDO HENRIQUE ALTIERI 03 May 2019 (has links)
[pt] Importante questão que se coloca atualmente é a capacidade de medição do volume de capital necessário, às sociedades seguradoras, para fazer frente aos diversos tipos de risco que tais companhias suportam no exercício de suas atividades. Esse volume de capital necessário deve ser tal que permita à companhia suportar variabilidades no negócio. As motivações para o desenvolvimento de modelos matemáticos visando à determinação desta necessidade de capital são tanto a preocupação das próprias companhias com a sua gestão de risco, como também aspectos relacionados ao estabelecimento de requerimentos de capital exigidos pelo regulador de seguro às sociedades seguradoras para fazer frente aos riscos suportados. Entre tais riscos, encontra-se a categoria dos riscos de subscrição, relacionados diretamente à operação central de uma seguradora (design de produto, precificação, processo de aceitação, regulação
de sinistros e provisionamento). Esta dissertação apresenta uma proposta de modelo para determinação do volume necessário de capital para fazer frente aos riscos de subscrição, na qual tal categoria de riscos é segregada nos riscos de provisão de sinistros (relativos aos sinistros ocorridos e, assim, relacionados às
provisões de sinistros) e nos riscos de emissão/precificação (relativos aos sinistros à ocorrer num horizonte de tempo de 1 ano, considerando novos negócios). Em especial, o modelo proposto utiliza processos de simulação que levam em consideração a estrutura de dependência das variáveis envolvidas e linhas de
negócio, fazendo uso do conceito de cópulas condicionais. / [en] Important question that arises today is the ability to measure the amount of capital necessary to insurance companies, to cope with various types of risk that these companies support in performing their activities. This volume of capital required must be such as to enable the company to bear variability in business. The motivations for the development of mathematical models aimed at the determination of those capital needs are both the concern of companies with their own risk management, as well as aspects related to establishing capital requirements required by the insurance regulator to insurance companies to face the risks borne. Among such risks, is the category of underwriting risks, directly related to the core operation of an insurance company (product design, pricing, underwriting process, loss settlement and provisioning). This dissertation proposes a model for determining the appropriate amount of capital to cope with the underwriting risks, where such risk category is segregated in reserving risks (relative to incurred events) and pricing risks (relative to events occurring in the time horizon of 1 year, considering new businesses). In particular, the proposed model uses simulation processes that take into account the dependence structure
of the variables involved and lines of business, making use of the concept of conditional copulas.
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The impact of solvency assessment and management on the short-term insurance industry in South AfricaVan Huyssteen, Johan 11 1900 (has links)
The financial stability of the insurers is important to fulfil its role as a risk transfer mechanism and to protect the purchasers of their products. The European Union is introducing the Solvency II to modernise the current Solvency I regime and to harmonise the different insurance legislation of the members of the European Union. Solvency II introduces an architecture consisting of three pillars, with Pillar I setting the solvency capital requirements, Pillar II the governance and risk management requirements and Pillar III the reporting requirements. The South African Regulator initiated Solvency Assessment and Management for implementation in 2016 to align the South African prudential regulatory framework to meet the Solvency II requirements for third country equivalence. The problem that this study addressed is the possible effect that the introduction of Solvency Assessment and Management may have on the sustainability of short-term insurers in South Africa. The results of a empirical component of the study indicated that small and medium short-term insurers may be negatively impacted due to the costs incurred to implement and comply with the requirements of the new regulatory framework. The effect on the South African short-term industry can be that cover is concentrated among a few large short-term insurers. / Business Management / M. Com. (Business Management)
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保險業因應全球運籌物流風險之對策-以高科技電子產業運輸保險為例 / The Strategy for Insurers on the Global Logistic Risk- A Case Study on the Marine Cargo Insurance of Electronic Industry梁銳華, Liang,Jui-Hwa Unknown Date (has links)
隨著高科技產業的興起，電子產業因應市場快速與客戶滿意度的高度需求，供應鏈物流業的快速發展，使得傳統運送模式之風險形態產生戲劇性的變化，損失頻率及損失幅度均已隨著運籌模式物流的風險由傳統運輸Door to Door構成線性的低度風險，轉變為Hub、組裝中心、物流倉庫、承攬人、次承攬人等複雜的關係方所構成，網狀物流模式的高度風險區塊。而運輸保險長期以來處於保險業者、保險經紀人的惡性競爭市場，高科技電子業基於風險成本考量，強勢壓縮保險費，使得電子業運輸保險損失率居高不下。
本研究透過個案電子公司之重大損失案例研究，歸納高科技電子業物流損失的發生原因，提出核保、理賠管理、及物流倉庫、運送人損防、管理建議供保險業界，物流業者參考。
未來，保險業面對全球運籌業物流風險經營，除積極運用核保策略，加強同業間的共保協商機制，以分散風險外，針對此特殊業務的核保應加強倉庫管理人風險查勘及物流運送人之委任規範、以達到風險預防之效果。更重要的是，保險經營者應修正，以利潤導向的經營理念代替市場佔有率的迷思，方是杜絕市場惡性競爭的根本。
關鍵字：電子業、全球運籌、供應鏈、風險管理、
損失頻率、損失幅度、核保策略、理賠管理、
損失率。 / With the blooming growth of high-tech industry, the electronic industry pursued for swiftness and clients satisfaction as well as the fast development of logistics business, risk of cargo distribution had transformed from the traditionally low-risk lineal “door to door” model to a high-risk complex structure of network composed by Hubs, Configuration Centers, warehouses, contractors, and sub-tractors. Moreover, the intense competitiveness among insurers and insurance agents as well as the cost-down strategy on cargo transit insurance premium of high-tech companies even make the loss-claim ratio have stayed high for such a long time.
By studying cases of specific high-tech company claiming for great loss amount, we herby conclude several main causes of loss during transit and bring up suggestions on Underwriting, Claim Adjustment, Logistics Warehouse, Carrier Loss Prevention, and Logistics Management for your reference.
In the future, in terms of risk management and diversification, we should not only aggressively adjust our underwriting strategy, enhance co-insurance policy but also strengthen investigations on the warehouse staffs and designate supplier adequate responsibilities.
Besides, what’s more important is to alter the myth of being purely interest-oriented and to discard the thought of expanding market percentage by cutting prices, only then we could really make a sound foundation at the market instead of suffering malignant competition with each other.
Key Word：Electronic Industry，Global Logistic，Supply Chain，Risk Management，Loss Frequency，Loss Severity，Underwriting Strategy，Claim Management，Loss Ratio。
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Critical factors for the financial success of South African short-term insurersSandrock, Gerrit Johann 12 1900 (has links)
This study shows that managers of short-term insurers may improve their financial results if they can identify and manage the factors that are critical to their financial results. The development and application of the concept of critical success factors are therefore used as a basis for this study. The study reviews the functions performed by short-term insurers, focusing on the effect these functions have on their cash flows. Selection and pricing of risk are discussed in detail. The
underwriting cycle in South Africa, and several possible causes of the cycle are investigated. Reinsurance, claims handling and rilanagement expenses are important components of the cash flows of short-term insurers and are therefore examined in detail. The optimum risk level at various combinations of underwriting and investment income is
empirically tested, using the financial results of several insurers. The study investigates different approaches to the measurement of financial success of insurers, and the return on shareholders' funds is found to provide the fairest and most reliable method. Empirical
comparisons are made on the financial results of the insurers that participated in the study to distinguish between those that are financially successful and those that are not. To discover what the industry consider to be their critical financial success factors, a postal
survey was done of key decision makers in the South African short-term insurance industry. Respondents identified several success factors, but did not include some success factors discovered during the review of the literature. Respondents apparently experienced difficulty
in separating strategic issues from operational ones. The survey revealed that the pricing of risk is problematic for short-term insurers. The importance of the investment function is also underestimated by the industry. The study concludes that the combined systematic risk of the investment and underwriting portfolios is a critical success factor, along with the capital base of the insurer, the ability of the insurer to use the leverage provided by using policyholders' funds as free reserves and the size and direction of an insurer's cash flows. / Business Management / D. Com (Business Management)
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[en] A MIXED PARAMETRIC AND NON PARAMETRIC INTERNAL MODEL TO UNDERWRITING RISK FOR LIFE INSURANCE / [pt] MODELO INTERNO MISTO, PARAMÉTRICO E NÃO PARAMÉTRICO DE RISCO DE SUBSCRIÇÃO PARA SEGURO DE VIDAMARIANA DA PAIXAO PINTO 09 November 2017 (has links)
[pt] Com as falências ocorridas nas últimas décadas, no setor de seguros, um movimento surgiu para desenvolver modelos matemáticos capazes de ajudar no gerenciamento do risco, os chamados modelos internos. No Brasil, a SUSEP, seguindo a tendência mundial, exigiu que as empresas, interessadas em atuar no país, utilizassem um modelo interno para risco de subscrição. Com isto, obter um modelo interno tornou-se primordial para as empresas seguradoras no país. O modelo proposto neste trabalho ilustrado para seguro de vida para risco de subscrição se baseia em Cadeias de Markov, no Teorema Central do Limite, parte paramétrica, e na Simulação de Monte Carlo, parte não paramétrica. Em sua estrutura foi considerada a dependência entre titular e dependentes. Uma aplicação a dados reais mascarados foi feita para analisar o modelo. O capital mínimo requerido calculado utilizando o método híbrido foi comparado com o valor obtido utilizando somente o método paramétrico. Em seguida foi feita a análise de sensibilidade do modelo. / [en] The bankruptcies occurred in recent decades in the insurance sector, a movement arose to develop mathematical models capable of assisting in the management of risk, called internal models. In Brazil, the SUSEP, following the worldwide trend, demanded that the companies, interested in working in the
country, using an internal model for underwriting risk. Because of this, developing an internal model has become vital for insurance companies in the country. The proposed model in this work illustrated to life insurance for the underwriting risk was based on the Markov chains, on the Central Limit Theorem
to the parametric method, and Monte Carlo Simulation to the non-parametric method. In its structure, the dependence between the holder and dependents was considered. An application to masked real data was made to analyze the model. The minimum required capital calculated using the hybrid method was compared with the value obtained using only the parametric method. Then the sensitivities
of the model were investigated.
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Vývoj metodiky psaní levou rukou a přístup pedagogů k levorukým žákům / Development of the Methodology of Left-hander's Writing and Teacher's Attitude toward Left-handed ChildrenHradecká, Lucie January 2017 (has links)
The thesis follows the development of the methodology of left-handers's writing, teacher's usage of the knowledge of methodology in a practice, researching the materials aimed in left- handness dedicated to teachers and parents, describing statements and opinions of the concrete primary teachers on left-hander's methodology. The thesis consists of the theoretical part and the empiric part. In the therotical part there are defined terms laterality and dominance, the development of the methodology of left-hander's writing since the year 1967 when this type of writing was legalised in the Czech Republic. The possibilities of getting information about the problematic of left-handness are summed, including books and trainings for primary school teachers. Finally, available equipment for left-handers is introduced. The research combines two methods - questionnaire and interview. The quantitative research is supposed to come up with the concrete percentage of left-handed pupils and with the general knowledge of teachers connected with methodology of left-hander's writing. The qualitative research was made by the form of interiewing teachers and Ivo Vodička. The aim of the thesis is to find out the way how to train teachers effectively based on researched information. KEYWORDS laterality, diagnostics of...
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銀行聯合貸款業務之經營模式與策略研究-以台灣聯貸市場為例 / The Study of Banking Business Model and Strategy about Syndicated Loan Product – in Taiwan Syndication Market葉美華, Yeh, Mei-Hua Unknown Date (has links)
政府在1990年開放新銀行申請設立、1991年共核准通過15家新銀行籌設，國內銀行自此即進入百家爭鳴的時代，各家銀行惡性競爭的結果，除了利差不斷降低外，授信品質亦不斷惡化，各銀行資本報酬率直直落，為求生存，遂絞盡腦汁不斷推出各種新型商品以促進客戶擴大信用；聯合貸款業務亦不例外，各銀行有鑑於傳統企業授信漸不能達到應有績效之際，紛紛著重於聯貸業務，於是業務競爭日趨白熱化，如何設計符合貸款企業期望的授信方案，是各銀行贏得聯合授信主辦權的重要課題。
因此，企業如何選擇聯合貸款主辦行之影響因素，是各銀行放款經理人亟盼了解的經營知識，而根據這些關鍵影響因素，各銀行為爭取主辦權所擬定的各項經營模式與策略，即是足以決定聯合貸款業務在各銀行未來之發展情形與定位，甚而決定其在聯貸市場所扮演之角色與市場佔有率。
有鑑於此，本研究主要以銀行端的角色來探討各銀行針對聯合貸款業務所為之相關措施及其後續之影響結果，並針對國內主要聯貸銀行做個案分析，以了解各銀行所採取的策略及經營方針。
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