淑同学2025-04-11 09:45:09
underwriting loss ratio和loss and loss adjustment ratio是一回事吗？协会官网题库里出现了underwriting loss ratio这个指标
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Simon2025-04-23 09:40:07
Simon同学，上午好。不是一回事。
underwriting loss ratio=理赔/收到的保险费=losses/net premium earned，
其中losses=claimed paid + (ending loss reserves - beginning loss reserves)
而Loss and loss adjustment expense ratio = (Loss expense + Loss adjustment expense)/Net premiums earned
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