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首页> 外文期刊>Advanced Science Letters >Effect of Change in Surplus Ratio, Incurred Loss Ratio, Liquidity Ratio, Premium Growth Ratio, Size and Risk Based Capital to Predict the Possibilities of Financial Distress: The Case of Indonesian Non-Life Insurance Listed in Indonesia Insurance Director
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Effect of Change in Surplus Ratio, Incurred Loss Ratio, Liquidity Ratio, Premium Growth Ratio, Size and Risk Based Capital to Predict the Possibilities of Financial Distress: The Case of Indonesian Non-Life Insurance Listed in Indonesia Insurance Director

机译：剩余比率变化，损失率，流动性比率，溢出比，规模和风险资本的影响预测金融窘迫的可能性：印度尼西亚保险总监印度尼西亚非寿险的案例

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摘要

The insurance company has different characteristics with other companies, so that the performance appraisal of insurance company use specific ratios created by The National Association of Insurance Commissioners (NAIC). The aim of this study was to examine the effect of financial ratiosof insurance company, namely change in surplus ratio, incurred loss ratio, liquidity ratio, premium growth, size and risk based capital ratio (RBC) to forecast the possibility of financial distress, a deteriorating financial condition prior to the bankruptcy of general insurance companiesregistered in Indonesia Insurance Directory in the period of 2010–2014. The insurance companies experiencing financial distress is determined based on negative net profit for two consecutive years. By using purposive sampling, 63 samples of insurance companies, 53 companies experiencingnon-financial distress, 10 companies experiencing financial distress was obtained. The method used in this study was logistic regression. The result indicated that the variable of incurred loss ratio, liquidity (liabilities to liquid asset) ratio has positive and significant effect on theoccurrence of financial distress. Size variable has a negative and significant effect on the occurrence of financial distress, while change in surplus ratio, premium growth ratio and risk based capital ratio have no significant effect on the insurance company’s financial distress.
机译：保险公司与其他公司具有不同的特点，使保险公司的绩效评估使用全国保险专员协会（NAIC）创建的特定比率。本研究的目的是审查金融比例的保险公司的效果，即剩余比率的变化，损失比率，流动性比率，溢价，基于资本比率（RBC）的溢价，风险，以预测财务困境的可能性，a在2010 - 2014年期间在印度尼西亚保险目录中公布的一般保险公司破产之前的财务状况恶化。遇到财务困境的保险公司是根据连续两年的负净利润确定的。通过使用目的采样，63个保险公司样本，53家公司经历了财务困境，10家经历过财务困境的公司。本研究中使用的方法是逻辑回归。结果表明，发生损失率的变量，流动性（液体资产负债）的比例对财务困扰的核心具有积极和显着影响。尺寸变量对财务困扰的发生具有负面且显着的影响，而剩余比率的变化，溢价比和基于风险的资本比率对保险公司的财务困境没有显着影响。

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