赔付率是指赔款占所收保费的比例,是由保险费率、损失率与业务质量这三个因素决定的。它可以用来判断保险企业成本的高低,是反映保险企业经营管理状况的一个十分重要的效益指标。但是,对现行赔付率指标的形成产生影响的,还有两个相关因素,即上下年度未到期责任的差额与上下年度未结赔案的差额,尚未考虑进去,从而使现行赔付率指标的真实性出现偏 Reimbursement refers to the proportion of compensation claims received premiums, insurance rates, loss rates and business quality of these three factors. It can be used to judge the level of the cost of the insurance company, which is a very important indicator of the efficiency of the operation and management of the insurance company. However, there are also two relevant factors that have an impact on the formation of the current indicator of the rate of debitation: the difference between the undue liability in the previous year and that of the unpaid last year, which has not been taken into consideration, Authenticity appears partial