{"title":"捷克非寿险保险市场的发展表现","authors":"Lenka Přečková, Iveta Palečková","doi":"10.25142/aak.2022.015","DOIUrl":null,"url":null,"abstract":": This paper aims to evaluate the profitability and expense ratio of the insurance business conducted by commercial insurance companies operating in the Czech insurance market from 2004 to 2019. The evaluation shall apply computations such as the return on assets (ROA), the ratio of underwriting profit to assets (UPA), and the expense ratio indicator (ER). Calculations shall be performed for non-life insurance. The value of the UPA indicator was stable during the whole period. By contrast, the ROA indicator fluctuated from 2004 to 2011. The ROA indicator stabilized between 2012 and 2017 and then between 2017 and 2019 ROA grew significantly. The value of both indicators (ROA, UPA) decreased from 2015 to 2017 and increased from 2017-2018. The operating expense ratio of insurance operations (ER) showed a growth tendency. When the average values of the selected indicators were compared to the Czech market, it was determined that the insurance companies Allianz, Česká pojišťovna ZDRAVÍ and PNP Paribas Cardif had achieved the best result and were the most efficient. (1.11%) is also than in 2004 values of both indicators decreased from to","PeriodicalId":315784,"journal":{"name":"Acta academica karviniensia","volume":"47 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"2022-11-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"THE DEVELOPMENT OF PERFORMANCE OF THE NON-LIFE CZECH INSURANCE MARKET\",\"authors\":\"Lenka Přečková, Iveta Palečková\",\"doi\":\"10.25142/aak.2022.015\",\"DOIUrl\":null,\"url\":null,\"abstract\":\": This paper aims to evaluate the profitability and expense ratio of the insurance business conducted by commercial insurance companies operating in the Czech insurance market from 2004 to 2019. The evaluation shall apply computations such as the return on assets (ROA), the ratio of underwriting profit to assets (UPA), and the expense ratio indicator (ER). Calculations shall be performed for non-life insurance. The value of the UPA indicator was stable during the whole period. By contrast, the ROA indicator fluctuated from 2004 to 2011. The ROA indicator stabilized between 2012 and 2017 and then between 2017 and 2019 ROA grew significantly. The value of both indicators (ROA, UPA) decreased from 2015 to 2017 and increased from 2017-2018. The operating expense ratio of insurance operations (ER) showed a growth tendency. When the average values of the selected indicators were compared to the Czech market, it was determined that the insurance companies Allianz, Česká pojišťovna ZDRAVÍ and PNP Paribas Cardif had achieved the best result and were the most efficient. (1.11%) is also than in 2004 values of both indicators decreased from to\",\"PeriodicalId\":315784,\"journal\":{\"name\":\"Acta academica karviniensia\",\"volume\":\"47 1\",\"pages\":\"0\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2022-11-24\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Acta academica karviniensia\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.25142/aak.2022.015\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Acta academica karviniensia","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.25142/aak.2022.015","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
THE DEVELOPMENT OF PERFORMANCE OF THE NON-LIFE CZECH INSURANCE MARKET
: This paper aims to evaluate the profitability and expense ratio of the insurance business conducted by commercial insurance companies operating in the Czech insurance market from 2004 to 2019. The evaluation shall apply computations such as the return on assets (ROA), the ratio of underwriting profit to assets (UPA), and the expense ratio indicator (ER). Calculations shall be performed for non-life insurance. The value of the UPA indicator was stable during the whole period. By contrast, the ROA indicator fluctuated from 2004 to 2011. The ROA indicator stabilized between 2012 and 2017 and then between 2017 and 2019 ROA grew significantly. The value of both indicators (ROA, UPA) decreased from 2015 to 2017 and increased from 2017-2018. The operating expense ratio of insurance operations (ER) showed a growth tendency. When the average values of the selected indicators were compared to the Czech market, it was determined that the insurance companies Allianz, Česká pojišťovna ZDRAVÍ and PNP Paribas Cardif had achieved the best result and were the most efficient. (1.11%) is also than in 2004 values of both indicators decreased from to
求助内容：
应助结果提醒方式：
京公网安备 11010802042870号
