赔付率 是什么？
赔付率 Claims Ratio is the percentage of insurance claims paid or incurred in relation to the earned premiums for a given period, serving as a key indicator of underwriting performance and risk exposure.
Source: CFA Institute, IFRS Foundation, FASB (GAAP), Basel III Framework
How is “赔付率” Used in Practice?
持续较高的赔付率可能表明保险人组合存在定价不足或逆向选择，需要监管关注。
Certification Exam Relevance
Who Needs to Know This Term?
- Financial Analysts
- Bankers
- Traders
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赔付率 是什么？
Claims Ratio is the percentage of insurance claims paid or incurred in relation to the earned premiums for a given period, serving as a key indicator of underwriting performance and risk exposure.
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