请教一个关于premium written的问题

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最近工作碰到一些关于保险的问题，请教一下群内大牛！
premium written 在中文里的意思是承保保费的意思吧？这个是不是life和nonlife的公司都会有的项目？与premium earned有什么区别？

Solvency II里面的核心资本充足率现在最新的是多少？Solvency ratio的明确定义是什么？wiki上的定义是net asset/premium written。

谢谢大家先！

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关键词：written premium Prem EMI ITT written

我也很想知道.

Written premium is policy year concept, i.e., how much you write in that year.
Earned premium is calendar year concept, i.e., how much you can consider it as revenue/income for that year.

For example, you write an policy on July 1, 2012 for one year term for $1,200

Then for year 2012, written premium is $1,200
However, for year 2012, earned premium can only count for the six month (July - Dec) $600.

There are different measures for solvency ratio, could be

capital available / capital required
assets available / assets required

You need to read official paper for definition.

感谢！

bocm 发表于 2013-2-28 00:30
Written premium is policy year concept, i.e., how much you write in that year.
Earned premium is ca ...

非常感谢，哪里能看到官方的定义呢？

lanalpha 发表于 2013-2-28 17:31
非常感谢，哪里能看到官方的定义呢？

You need google it!

Here's some information I see from an article

"However, under Solvency II, the ‘Solvency
Ratio’ is calculated
by the differential
between an insurers’ Available Capital (the
market value of its assets minus the
market value of its liabilities) and its S
CR (which can be calculated using either a
standard or internal model.) The rela
tionship between the two must exceed 100%.
This ratio is a measure of the risk an insure
r faces of claims that it cannot absorb. The
SCR covers for operational risk plus interest
rate, equity risk (global and other), credit
risk, currency risk and property risk minus di
versification benefit. It is calculated
annually and covers all risks faced by an
insurer for a 99.5% confidence level over a
one-year horizon (i.e. a for a 1-in-200 year event). "