求一概念——再保险前精算赔付率~

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这个词我从没见过，精算赔付率实在不知道是什么意思，求达人解答~

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关键词：赔付率 再保险 是什么意思 不知道 概念 精算 再保险 赔付率

赔付率就是赔款总额和保费收入总额的比值

<p class="MsoBodyTextIndent3" style="MARGIN: 0cm 0cm 0pt 53.95pt; tab-stops: 54.0pt;"><span style="FONT-SIZE: 15pt; mso-bidi-font-size: 12.0pt;"><font face="仿宋_GB2312">满期赔付率<span lang="EN-US">=</span>（已决赔款<span lang="EN-US">+</span>统计区间末未决赔款）<span lang="EN-US">/</span>满期保费;</font></span></p><p class="MsoBodyTextIndent3" style="MARGIN: 0cm 0cm 0pt 53.95pt; tab-stops: 54.0pt;"><span style="FONT-SIZE: 15pt; mso-bidi-font-size: 12.0pt;"><span style="FONT-SIZE: 15pt; FONT-FAMILY: 宋体; mso-bidi-font-size: 12.0pt; mso-font-kerning: 1.0pt; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: &quot;Times New Roman&quot;; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">综合赔付率</span><span lang="EN-US" style="FONT-SIZE: 15pt; FONT-FAMILY: &quot;Times New Roman&quot;,&quot;serif&quot;; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">=</span><span style="FONT-SIZE: 15pt; FONT-FAMILY: 宋体; mso-bidi-font-size: 12.0pt; mso-font-kerning: 1.0pt; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: &quot;Times New Roman&quot;; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">（已报告赔款</span><span lang="EN-US" style="FONT-SIZE: 15pt; FONT-FAMILY: &quot;Times New Roman&quot;,&quot;serif&quot;; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">+</span><span style="FONT-SIZE: 15pt; FONT-FAMILY: 宋体; mso-bidi-font-size: 12.0pt; mso-font-kerning: 1.0pt; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: &quot;Times New Roman&quot;; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">统计区间末</span><span lang="EN-US" style="FONT-SIZE: 15pt; FONT-FAMILY: &quot;Times New Roman&quot;,&quot;serif&quot;; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">IBNR-</span><span style="FONT-SIZE: 15pt; FONT-FAMILY: 宋体; mso-bidi-font-size: 12.0pt; mso-font-kerning: 1.0pt; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: &quot;Times New Roman&quot;; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">统计区间初</span><span lang="EN-US" style="FONT-SIZE: 15pt; FONT-FAMILY: &quot;Times New Roman&quot;,&quot;serif&quot;; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">IBNR</span><span style="FONT-SIZE: 15pt; FONT-FAMILY: 宋体; mso-bidi-font-size: 12.0pt; mso-font-kerning: 1.0pt; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: &quot;Times New Roman&quot;; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">）</span><span lang="EN-US" style="FONT-SIZE: 15pt; FONT-FAMILY: &quot;Times New Roman&quot;,&quot;serif&quot;; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">/</span><span style="FONT-SIZE: 15pt; FONT-FAMILY: 宋体; mso-bidi-font-size: 12.0pt; mso-font-kerning: 1.0pt; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: &quot;Times New Roman&quot;; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">已赚保费;</span></span></p><p class="MsoBodyTextIndent3" style="MARGIN: 0cm 0cm 0pt 53.95pt; tab-stops: 54.0pt;"><span style="FONT-SIZE: 15pt; mso-bidi-font-size: 12.0pt;"><span style="FONT-SIZE: 15pt; FONT-FAMILY: 宋体; mso-bidi-font-size: 12.0pt; mso-font-kerning: 1.0pt; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: &quot;Times New Roman&quot;; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 15pt; FONT-FAMILY: 宋体; mso-bidi-font-size: 12.0pt; mso-font-kerning: 1.0pt; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: &quot;Times New Roman&quot;; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">终极赔付率</span><span lang="EN-US" style="FONT-SIZE: 15pt; FONT-FAMILY: &quot;Times New Roman&quot;,&quot;serif&quot;; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">=</span><span style="FONT-SIZE: 15pt; FONT-FAMILY: 宋体; mso-bidi-font-size: 12.0pt; mso-font-kerning: 1.0pt; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: &quot;Times New Roman&quot;; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">（已决赔款</span><span lang="EN-US" style="FONT-SIZE: 15pt; FONT-FAMILY: &quot;Times New Roman&quot;,&quot;serif&quot;; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">+</span><span style="FONT-SIZE: 15pt; FONT-FAMILY: 宋体; mso-bidi-font-size: 12.0pt; mso-font-kerning: 1.0pt; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: &quot;Times New Roman&quot;; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">统计区间末未决赔款</span><span lang="EN-US" style="FONT-SIZE: 15pt; FONT-FAMILY: &quot;Times New Roman&quot;,&quot;serif&quot;; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">+</span><span style="FONT-SIZE: 15pt; FONT-FAMILY: 宋体; mso-bidi-font-size: 12.0pt; mso-font-kerning: 1.0pt; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: &quot;Times New Roman&quot;; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">统计区间末</span><span lang="EN-US" style="FONT-SIZE: 15pt; FONT-FAMILY: &quot;Times New Roman&quot;,&quot;serif&quot;; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">IBNR</span><span style="FONT-SIZE: 15pt; FONT-FAMILY: 宋体; mso-bidi-font-size: 12.0pt; mso-font-kerning: 1.0pt; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: &quot;Times New Roman&quot;; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">）</span><span lang="EN-US" style="FONT-SIZE: 15pt; FONT-FAMILY: &quot;Times New Roman&quot;,&quot;serif&quot;; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">/</span><span style="FONT-SIZE: 15pt; FONT-FAMILY: 宋体; mso-bidi-font-size: 12.0pt; mso-font-kerning: 1.0pt; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: &quot;Times New Roman&quot;; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">满期保费</span></span></span></p>

<span style="FONT-SIZE: 15pt; FONT-FAMILY: 宋体; mso-bidi-font-size: 12.0pt; mso-font-kerning: 1.0pt; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: &quot;Times New Roman&quot;; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">满期赔付率是反映保单质量的重要赔付率指标之一，但是没有考虑已发生未报告案件对应的赔款责任;<span style="FONT-SIZE: 15pt; mso-bidi-font-size: 12.0pt;"><font face="仿宋_GB2312">综合赔付率主要用于财务年度的核算、考核包含已发生未报告案件对应的赔款责任（<span lang="EN-US">IBNR</span>），能真实、全面和及时的反映统计区间整体赔付状况;<span style="FONT-SIZE: 15pt; FONT-FAMILY: 宋体; mso-bidi-font-size: 12.0pt; mso-font-kerning: 1.0pt; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: &quot;Times New Roman&quot;; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">适用于保单年度，全面反映保单的业务品质.</span></font></span></span>

感谢回答的英雄们~