The Study On Underwriting Capacity Of Property And Casualty Insurance Company In China

Underwriting capacity is the ablility that insurance companies take and accept risks. Insurance company has sufficient underwriting capacity, the insured can get reliable guarantee, and this can promote the sustained, healthy and stable development of the insurance company. Otherwise it can bring about great damage to the normal operation of the national economy and social stability. Therefore, accurately estimating underwriting capacity of insurance company can correctly grasp the key of risk control. It also can diagnose the weaknesses in company management, and provide reliable basis for decision-making.Based on our property insurance company insurance capacity as the research object, and introduces the concept and connotation of insurance capacity, then the effect on our country’s property insurance company insurance capacity of related factors make a summary of our country, and the focus of the investment risks and property company analyzed risk insured against. And the key to our country property insurance company with risk insured against the investment risk analyses Nielson measuring model. And with the reality of our country, the use of model copula function improved related variables. And use it to our country a large-scale property insurance company accept insurance capacity is analyzed, and according to the results of analysis gives raise our property insurance company accept insurance capacity suggestion.In this paper, the company according to the measurement results of the investment risk and risk insured against the association was not significant, but the theoretical insurance capacity compared with actual coverage of existing large gap, has some of the business risks, the company should take relevant measures to improve its financial position, further enhance its insurance capacity. Compared with the original model, the improved model can be calculated from the theoretical maximum coverage lower ,Explain the improved model of risk to the underwriter put forward higher request.