摘要
通胀作为一种必然存在的经济现象,对金融业的发展有着一定的影响。保险业作为金融行业的一个支柱,通胀对也其有着多方面的影响。对于财产保险业务来说,通胀会带来更高的理赔成本和经营的不确定性,从而侵蚀公司盈利。针对通胀与财险公司盈利的关系,本文使用杜邦分析体系对财险公司盈利指标进行衡量,并运用分布滞后模型研究两者之间的关系,站在政府和公司角度,提出如何加强财险公司盈利能力的政策建议。
As a kind of inevitable economic phenomenon, inflation has a certain impact on the development of the financial industry. Insurance, as the pillar of the financial industry, is also affected by inflation in many aspects. For property insurance, inflation will bring higher claims costs and uncertainty of business. Thus, it reduces the profits of company. For the relationship between inflation and the profits of property insurance companies, this paper uses The DuPont System to measure the profits of property insurance companies and The Distributed Lag Model to research their relationship. At last, we put forward policy recommendations on how to strengthen the profitability of insurance company in the perspectiues of government and company.
出处
《保险职业学院学报》
2012年第4期53-57,共5页
Journal of Insurance Professional College
关键词
通胀
财险公司
盈利能力
杜邦分析体系
分布滞后模型
Inflation
Property insurance company
Profits
The DuPont System
The Distributed Lag Model
