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Can Insurance Companies Control their Financial Stability? Practical Solutions

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  • Cristea, Mirela

Abstract

Taking into account the actual economic situation of the world with numerous financial crisis, the insurance companies should control their financial stability in order to avoid the insolvency or even bankruptcy state. Thus, the insurers should find the adequate methods of substantiating the premium installments, the adequate ways of attracting insurances in order to achieve the right structure of the portfolio and the desired level of financial stability within the company. The present paper proposes mathematical calculation, through which different solution may be given in order to optimize insurance portfolio, determining thus its adequate structure to a certain level of stability planned by the company. The result of elaborated studies and analysis represents an useful instrument for the insured persons, being able to choose the right type of insurance, resting on its comparisons, analysis and conclusions, and for the insurance companies, being meant to improve their subscription and investment activity, as well as the financial stability. The mathematical calculation shown within this paper may be applied in practice and improved.

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Paper provided by University Library of Munich, Germany in its series MPRA Paper with number 10052.

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Date of creation: 15 Aug 2008
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Handle: RePEc:pra:mprapa:10052

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Keywords: insurance; financial stability; optimize subscription portfolio; mathematical calculation;

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  1. Gerald Krenn & Mario Oschischnig, 2003. "Systemic Risk Factors in the Insurance Industry and Methods for Risk Assessment," Financial Stability Report, Oesterreichische Nationalbank (Austrian Central Bank), issue 6, pages 62-74.
  2. Thomas Schubert & Gundula Grie�mann, 2007. "German Proposal for a Standard Approach for Solvency II," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan, vol. 32(1), pages 133-150, January.
  3. repec:onb:oenbwp:y:2003:i:6:b:1 is not listed on IDEAS
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