Study On Influential Factors Of The Ruin Probability Of Insurance Company

Along with the constant development of the insurance, it has played a growing rolein the promotion of economic and social development and raising the people’s livingstandards. And to strengthen the study of the modern risk theory which can providetheoretical basis for the insurance, it has practical guiding significance to realize themanagement and administration of insurance companies.With the fast development of the insurance industry, more and more factors thataffecting the ruin probability of insurance company appeared. This paper mainlystudied the influence of the ruin probability of insurance company, such as the premiumincome, manage compensate factor, surrender and reinsurance four factors.The first chapter is introduction, in this chapter, we concisely introduced theemerge and development of insure risk theory and classical risk model.In the second chapter, we mainly studied the model that premium income is acompound Poisson process, not a constant rate process, it is named compound Poissonprocess premium income risk model. Then the model is simplified.The third chapter is based on modified classical risk compensation model. Wediscussed the influence of claim frequency and claim amount on the ruin probability.And through the parameters, we came the corresponding conclusions.The fourth chapter summarizes the characteristics of China’s life insurancesurrender. And analyzes the main reasons those lead to surrender.The fifth chapter describes the concepts of insurance and reinsurance, and studiedthe theory of general bankruptcy under reinsurance conditions.The fifth chapter describes the concepts of insurance and reinsurance, and studiedthe theory of general bankruptcy under reinsurance conditions, understand the factorsaffecting the reinsurance ruin probability of an insurance company.