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Study on Underwriting Benefit of Property-liability Insurance Market in China
CAI Hua
(Department of Insurance, Guangdong University of Finance, Guangzhou 510521, China)
Abstract: Recently it has grown rapidly in property-liability insurance market when the newcomers increase in the meantime. Thus the concentration degree is in decreasing and competition is enhancing, and the market is in disorder such as the fare reduction. All these make dropping of insurances rate. The underwriting profits become loss in most of P&C insurance enterprises. Base on the above, we analyze 10 companies from 2005 to 2008 by Panel regression, which indicates that underwriting profit rate is positively relate with concentration degree and proportion of car insurance ,and negatively with reinsurance ratio a