请帮忙译成英文谢谢!!急 高分!
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发布时间：2022-05-02 00:33
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热心网友
时间：2022-06-25 15:00
Position in the domestic life insurance companies, China Life's market share and profits both ranked first on the rate of loss reserve adequacy ranked first, liquidity and stability, respectively, ranked No. 4 and 7. In view of this, although the company's capital capacity is slightly lower than other insurance companies a competitive edge, but from the comprehensive capabilities, continues to top.
Ⅰ. Market size
Three established Chinese companies - China Life, Ping An and the Pacific - Wen Ju-scale indicators of the leaderboard. The size of the indicators in the market, the Chinese-funded companies ahead. Although the AIA, with its one step ahead of the advantages of access to the domestic market to squeeze into the top 10 in English and Italian Life and Life is also a result of a large number of bank-insurance business in foreign companies in a leading position, but the domestic market rules and are familiar with Chinese culture, Chinese companies compared to foreign companies in China to reach its size, still a long time.
Ⅱ. Capital capacity
It is calculated that the three indicators, ranking the first major foreign-owned companies are small or medium-sized foreign insurance companies. Reason may lie in China's insurance instry has not been sufficient funds in the case of rapid development. And owner's equity in net premiums ratio, AIG was ranked first.
Net debt to equity ratio, Xinhua Life Insurance, No. 1, after several years of efforts, this lack of solvency has been out of its predicament and into the stable development track. Tai Kang, Ping, Tai Ping Life also strong capital capacity of short-listed the top 10.
Ⅲ. Loss reserve
In this indicator, China's ranking in Asia is generally not high, may be attributed to rapid business expansion. It is noteworthy that China Life and lives life the two companies not only in the size of the market indicators in the top 10 in the loss reserve adequacy ratio of the sub-indicators have also entered the top 10, indicating their ability to control insurance risk more than Other Chinese-funded companies.
Ⅳ. Profitability
The four largest companies - China Life, Ping An Life, China Pacific Life and Taikang Life - are ranked in the forefront of return on assets, of which three highest return on capital and surplus. This fully demonstrates the power of these companies the ability to make profits. However, the net return on equity and profitability of the overall rankings, ranked first among the country Hisanori relegated to No. 6, suggesting that the company to improve efficiency in the use of capital still need to spend time.
Expense ratio calculation, AIG is still ranked first, and only three Chinese-funded insurance companies short-listed the top ten shows that Chinese companies are still blind expansion of the size of the current neglect of efficiency. It is noteworthy that AIA although the rate of the domestic life insurance instry, the cost of living ranking first, but the overall rankings in Asia, only in its first 116. Differences in accounting standards is no doubt one of the reasons, but the domestic market competition so that all insurers had to spend an enormous amount of marketing costs to maintain market share, is also an indisputable fact.
Payment rate index, located in the top 10 most is to set up time is not long, the smaller volume of business the new company, which is related to long-term life insurance business, premium income and claims a longer time interval, a number of new companies Business not yet entered the period of high payment.
Ⅴ. Liquidity
Liquidity indicators include the calculation of three ratios: investment asset ratio, the current liquidity and overall liquidity.
China Life Insurance and Life Life in the ratio of investment assets among the highest in the Pacific Life at No. 4, Ping An Life and Taikang Life outside of the 10 shows that these large companies in the asset management still needs to be strengthened.
In the current liquidity position, the people's livelihood, Life Insurance, Taiping Life while in the country into the top 10, but in Asia, ranked No. 90 in the future. In addition, the overall liquidity in the domestic life insurance rankings, Ping An Life Insurance, Pacific Life, and China Life among the top ten.
Ⅵ. Operational stability of the
Operating stability test includes two indicators: net premium income changes, changes in capital and surplus. Net premium growth rate of indicators, four large companies and Taiping Life into the top 10 shows that Chinese companies in control of the business scale, also on security and development. However, indicators of change in the capital surplus, only China among the top 10 Life and Xinhua Life Insurance, This shows that the majority of the capital-funded companies failed to keep pace with the rapid expansion of the business.
