KR101754493B1

KR101754493B1 - Apparatus for mortality profit management in insurance using a claim payment risk quantity adjustment and method thereof

Info

Publication number: KR101754493B1
Application number: KR1020150156861A
Authority: KR
Inventors: 박길수
Original assignee: 박길수
Priority date: 2015-11-09
Filing date: 2015-11-09
Publication date: 2017-07-06
Also published as: KR20170054114A

Abstract

The present invention relates to an apparatus and method for controlling a quarter profit using risk amount adjustment.
The squadron control apparatus using the risk amount adjustment according to the present invention includes a contract condition input unit for inputting insurance contract conditions from an insurance contractor and a schedule risk input unit for using a predetermined risk level, A predicted risk amount measuring unit for measuring a predicted risk amount using the predicted risk amount, the guarantee amount and the subscription amount predicted by the empirical statistical data according to the contract condition, A predicted profit / loss amount calculating unit for calculating a predicted profit / loss amount from a predicted risk amount, a predicted profit / loss ratio calculating unit for calculating a predicted profit / loss ratio from the predicted profit / loss amount and a predetermined risk amount, And a contract condition redesign section for redesigning the guarantee content for the contract condition according to the determination result.
According to the present invention, it is possible to predict the level of the target as well as predict the level of the risk, thereby increasing the control over the management environment.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a risk management system,

[0001] The present invention relates to an apparatus and method for managing a quarterly profit using a risk amount adjustment, and more particularly, to a system and a method for controlling a quarterly profit using risk amount adjustment, Management apparatus and method thereof.

In general insurance contracts, insurance planners consult customers who need insurance, guide them to appropriate insurance products, provide various information related to the insurance, and then let them choose the insurance product they need. In this case, when the insurance contract is concluded, the customer pays the premium to the insurance company, and the insurance company pays the customer the insurance money corresponding to the reason for the insurance payment when the insurance payment reason corresponding to the guarantee content occurs.

These insurance products are currently under the regulation of the Financial Supervisory Service (FSS) to calculate the risk premium based on the rate of insurance payment according to the experience statistics. However, there are cases where the insurance payment rate is inconsistent with the insurance payment result.

In other words, the insurance company is required to calculate the risk premium for the guarantee according to the rate of insurance payment given to the customer. Therefore, from the viewpoint of the insurance company, There was a difference in the amount of insurance paid, but in the case of certain guarantees, there was a mortgage profit, and in the case of other guarantees, there was a relative mortality loss, '). In the case of profits, discounts on insurance premiums and improvement of management environment can be effective, but on the contrary, in the case of non-life insurers, premiums may rise and the business environment may deteriorate.

In order to prevent this, conventionally, it is necessary to estimate the risk rate for the individual insurance based on the insurance rate factor and other factors, to predict the loss ratio, and to calculate the acquisition condition so as to manage the profit through the guidance of the differential fee or the guidance of the acquisition condition However, this method does not measure the risk for each individual insurance but compares only the profit part and the loss part through the past statistics, and sets the sales condition by evaluating only the risk rate, so that the accurate prediction of the profit and the expected profit There is still a problem that it is difficult to obtain a stable profit on the target profit due to the impossibility of calculation.

The background art of the present invention is disclosed in Korean Patent Laid-Open Publication No. 10-2005-0037720 (published on April 25, 2005).

The present invention has been made to overcome the above problems, and an object of the present invention is to design a risk amount for an individual insurance so as to stably benefit from an insurance contract, The present invention provides a system for managing quarterly profit using a risk amount adjustment and a method thereof for achieving a target profit of an insurance company.

According to an aspect of the present invention, there is provided an apparatus for managing a quadratic function using risk amount adjustment, comprising: a contract condition input unit for inputting an insurance contract condition from an insurance contractor; A planned risk amount measuring unit for measuring a predetermined risk amount using the estimated risk amount, the guarantee amount and the subscription amount used in the insurance premium calculated according to the above contract conditions; A predicted risk amount measuring unit for measuring a predicted risk amount using the predicted risk ratio, the security magnitude and the subscription magnitude predicted by the empirical statistical data according to the contract condition; A forecasted profit / loss amount calculating unit for calculating a predicted profit / loss amount from the predicted risk amount and the predicted risk amount; A predicted loss / loss ratio calculating unit for calculating a predicted loss / loss ratio from the estimated loss and the expected risk amount; And a contract condition redesigning unit for determining whether the predicted profit / loss ratio is achieved at a predetermined target profit / loss ratio, and redesigning the guarantee content for the contract condition according to the determination result.

Further, the predicted-amount-of-loss-of-profit calculation unit may calculate the estimated risk amount by subtracting the predicted risk amount from the expected risk amount.

Further, the predicted loss-and-loss ratio calculating unit may calculate the predicted loss-and-loss ratio using the following equation.

Where Ce is the predicted loss ratio, Ao is the expected risk amount, Ae is the predicted risk amount, and Me is the predicted loss amount.

A prediction score calculation unit for calculating a prediction score to be achieved at the target profit margin rate according to the determination result; And a subscription example table creation unit for creating a subscription example table illustrating the subscription availability based on the change in the guarantee content of the contract condition by referring to the prediction score.

In addition, the prediction score calculating unit may calculate the prediction score by adjusting the subscription scale if the predicted profit / loss ratio is not achieved at the predetermined target profit / loss ratio.

In addition, the present invention provides a method of managing an insurance company profit, comprising: inputting an insurance contract condition from an insurance contractor; Measuring a forecasted risk amount and a predicted risk amount, respectively, by using a predicted risk rate, a guarantee amount, and a subscription amount predicted based on the expected risk rate used in the insurance premium calculated according to the contract conditions; Calculating a predicted profit / loss amount from the predetermined risk amount and the predicted risk amount; Calculating a predicted loss / loss ratio from the predicted loss amount and the expected risk amount; Determining whether the predicted profit / loss ratio is achieved at a predetermined target profit / loss ratio; And redesigning the guarantee content for the contract condition according to the determination result.

The risk management system and method of risk management according to the present invention are designed to design a risk amount for an individual insurance so that a target profit can be stably obtained from an insurance contract, It is possible to predict not only the level but also the level of the target, which can increase the control over the management environment.

Also, the present invention can predict future profits even when changing the sales conditions or the target profit rate due to changes in the business environment, so that it is possible to achieve stable profit and increase the responsiveness to changes in the management environment.

FIG. 1 is a block diagram illustrating a squadron control apparatus using risk amount adjustment according to an embodiment of the present invention. Referring to FIG.
FIG. 2 is a flowchart illustrating an operational flow of a quarter profit management method using risk amount adjustment according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, an apparatus and method for managing a quarter-mile profit using risk amount adjustment according to an embodiment of the present invention will be described with reference to the accompanying drawings. In this process, the thicknesses of the lines and the sizes of the components shown in the drawings may be exaggerated for clarity and convenience of explanation.

Further, the terms described below are defined in consideration of the functions of the present invention, which may vary depending on the intention or custom of the user, the operator. Therefore, definitions of these terms should be made based on the contents throughout this specification.

First, a squadron control apparatus using risk amount adjustment according to an embodiment of the present invention will be described with reference to FIG.

FIG. 1 is a block diagram illustrating a squadron control apparatus using risk amount adjustment according to an embodiment of the present invention. Referring to FIG.

As shown in FIG. 1, the squadron management apparatus using the risk amount adjustment according to the embodiment of the present invention includes a contract condition input unit 110, a scheduled danger amount measurement unit 120, a predicted hazard amount measurement unit 130, A predicted profit / loss ratio calculating unit 150, a predicted point calculating unit 160, a subscription table generating unit 170, a contract condition redesigning unit 180, and a premium calculating unit 190. [

The contract condition input unit 110 receives the insurance contract conditions from the policy contractor.

The planned risk amount measuring unit 120 measures a predetermined risk amount using the estimated risk rate, the guarantee amount, and the subscription scale used in the insurance premium calculated according to the contract conditions inputted in the contract condition input unit 110. [

At this time, the planned risk rate can be defined as the standard risk rate, which means the risk of claim payment calculated through past statistical data under the regulation of FSS when calculating premiums.

The predicted risk amount measurement unit 130 measures the predicted risk amount using the predicted risk ratio, the guaranteed amount, and the subscription amount according to the contract condition input to the contract condition input unit 110. [

At this time, the predicted risk rate can be defined as the fluctuation risk rate and means the risk rate predicted by the empirical statistical data such as the big data.

The predicted profit / loss amount calculation unit 140 calculates the predicted profit / loss amount by subtracting the predicted risk amount from the predetermined risk amount.

The predicted profit / loss ratio calculating unit 150 calculates a predicted loss / loss ratio from the predicted profit / loss amount and the expected risk amount.

The predictive score calculating unit 160 determines whether the predicted profit / loss ratio calculated by the predicted profit / loss ratio calculating unit 150 is equal to or greater than a predetermined target profit rate. If the predicted profit / loss ratio is not equal to the target profit rate, Adjust the size of the condition subscription to calculate the predicted score for the forecasted profit / loss ratio to achieve the target profit rate.

The subscription example table creation unit 170 creates a subscription example table illustrating the subscription availability based on the guarantee content change of the contract condition input to the contract condition input unit 110 by referring to the prediction score calculated by the prediction score calculation unit 160 do.

The contract condition redesigning unit 180 redesigns the guarantee content for the contract condition input to the contract condition input unit 110 by referring to the subscription example table created by the subscription example table creation unit 170. [

The premium calculation unit 190 calculates the premium under the designed contract terms.

Hereinafter, the management method of the quarterly profit performed by the quarterly profit management apparatus using the risk amount adjustment will be described in detail.

FIG. 2 is a flowchart illustrating an operational flow of a quarter-mile management method using risk amount adjustment according to an embodiment of the present invention, and a specific operation of the present invention will be described with reference to FIG.

According to the present invention, the contract condition input unit 110 of the vehicle management apparatus receives the insurance contract condition from the policy contractor (S210).

The scheduled risk amount measuring unit 120 measures the scheduled risk amount using the estimated risk rate, the guaranteed amount, and the subscription amount used in the insurance premium calculated according to the contract condition inputted in the step S210 (S220).

At this time, in step S220, the scheduled danger amount can be measured as follows.

In insurance contracts, the risk of paying insurance means the possibility of the payment of insurance benefits during the period when the contract is maintained by selling the insurance, which occurs from the moment of sale of the insurance. Since the insurance company receives the risk premium from the contractor in order to pay the insurance money, the sum of the risk premium should be equal to the sum of the risk of the insurance claim, and this is called the principle of dime. Therefore, the risk premium is determined by the principle of dendritic, etc. (principle of Lexis), P = R / N

Z (N x P = R x Z).

Where P is the risk premium, N is the number of subscribers, R is the number of occurrences, and Z is the insurance premium, so R / N means the incidence rate.

In other words, since the risk premium is the premium received in return for the insurance payment, it can be expressed as the incidence × insurance premium, which can be expressed as frequency / depth indicating the general scale of the risk, N), and in the case of depth, insurance (Z).

Therefore, the change in the risk premium can be said to be the change in the risk and the insurance. In life insurance, the change in risk varies depending on the risk of the individual insured person such as age and occupation, and the experience inherent to the company. ).

However, since the size of accidents in life insurance is equivalent to the reason for payment of insurance money, and if the reasons for payment of the insurance money are paid, a single insurance money is paid, so that the volatility of the accident scale is "0" (B) × the guarantee content (T).

In other words, the amount of payment (Z) = guarantee size (B) × guarantee content (T), which means that there is n insurance coverage (i) , That is, when n risk ratios Ri exist, the risk premium can be calculated by the following equation (1).

Here, R _i is the risk rate, Z _i is the amount paid, B _i is the security magnitude, and T _i is the subscription magnitude.

As shown in Equation (1), each contract has its own risk premium according to the risk level, guarantee level, and guarantee level of each security level. Therefore, the predetermined risk level (A _o ) Can be displayed.

Here, the risk premium calculated by the predetermined risk ratio Ro is denoted by the predetermined risk amount A _o , and the calculation formula is expressed by Equation (1). That is, the risk premium can be expressed as the planned risk amount (A _o ) as shown in Table 1 below.

Here, if the sign-up scale (T) of equation (1) to the premium calculated based on the unit size (T _s), that is if a 'T = 1' to calculate the expected standard risk amount (A _so) for each guarantee information , And the predetermined standard danger amount ( _Aso ) can be calculated by the following equation (2).

Where R _oi is the planned risk and B _i is the guaranteed scale.

For example, if the projected risk ratio (R _oi ) and the guaranteed amount (B _i ) are contracted as follows, the planned standard risk amount (A _so ) is shown in Table 2 below.

However, the scale of guarantee is general death, disaster death 10 million won, cancer diagnosis 30 million won General death Disaster death Cancer diagnosis system Expected risk (

) 0.00054 0.000282 0.000589 Guaranteed Scale (

) 1000 1000 3000 Subscription size (

) One One One Scheduled Standard Risk (

) 0.54 0.282 1.767 2.589

At this time, Table 2 shows that a 30-year-old man is in the condition that general death, disaster death (non-risk) and cancer diagnosis are added at the standard unit scale, have. In other words, the expected payment of 25.88 million won will be the risk premium.

The insurance contract will receive the risk premium in return for the planned risk, which should be the sum of 'insurance premiums = sum of insurance premiums' according to the principle of dendritic, etc. However, in actual circumstances, 'sum of insurance premiums' . In other words, the expected risk rate (R _o ) used in the calculation of the premium is fluctuated (R _v ) by the condition of the insured and the experience with the inherent risk. Here, the factors of risk variation according to the status of the insured body include the financial situation evaluating the environmental situation evaluating occupation, driving, hobbies, residence, medical condition evaluating history, diagnosis, etc., and income and payment ability And a moral situation that assesses whether insurance premiums are scrapped or paid.

In other words, the guarantee contents in which the profit occurs by the above-mentioned factors and the guarantee content in which the loss occurs occur. In other words, it can be known that the predetermined reference risk amount A _so calculated by the above Equation 2 fluctuates due to the fluctuation of the risk rate in the actual situation, and as a result, profit or loss occurs in the actual situation. That is, the profit and loss amount M is generated.

At this time, as the reference loss amount (M _s) for the case that the sign-up scale (T) to "1", and when it contains display examples of Table 2 it can be seen the same as in Table 3 below.

Table 3 shows that the actual profit margins were 35.3% for general death, 58.1% for accidental death, and 27.1% for cancer diagnosis. In calculating Table 3, it is necessary to measure the standard loss amount (M _s ) The precise method required for accurate calculation of fluctuation risk by individual data, and calculation of fluctuation risk by profit rate is only one example, so we will only refer to it.

Here, for the calculation formula for each item,

# 1) Variable risk rate (R _v ) = expected risk ratio (R _o ) X [100 - profit rate (P)] /

(However, it is assumed that the deviation scale of all cases is '0'.)

R _v1 = R _o1 X [100 - 35.3] / 100 = 0.000349

R _v2 = R _o2 X [100 - 58.1] / 100 = 0.000118

R _v3 = R _o3 X [100 + 27.1] / 100 = 0.000749

# 2) Risk standard for fluctuation (A _sv ) =

_{A sv1 = R v1 XB 1 =} 0.000349 X 1000 = 0.349

A _sv2 = R _v2 XB ₂ = 0.000118 X 1000 = 0.118

A _sv ₃ = R _v ₃ XB ₃ = 0.000749 X 3000 = 2.247

suma _sv = 2.714

# 3) Amount of standard profit / loss (M _s ) = A _so - A _sv

M _s1 = A _so1 - A _sv1 = 0.54 - 0.349 = 0.191

M _s2 = A _so2 - A _sv2 = 0.282 - 0.118 = 0.164

M _s3 = A _so3 - A _sv3 = 1.767 - 2.247 = - 0.48

sum M _s = - 0.125

It can be seen that the risk amount fluctuates due to the fluctuation of the risk rate.

From the above explanation, it is confirmed that the planned risk amount (A _o ) calculated by the predetermined risk ratio (R _o ) is the fluctuation of the risk ratio in the actual situation and the profit and loss amount (M) is generated and thereby the profit or loss occurs. That is, in the example of Table 3, since the profit amount (M _s ) is generated by the variation of the risk rate (-0.125) by the fluctuation of the risk rate, the contract is calculated as follows to predict the profit / loss ratio .

(C _e ) = [A _so - A _sv ] / A _so X 100

= M _s / A _so X 100

= [2.589 - 2.714] / 2.589 X 100

= -0.125 / 2.589 X 100 = - 4.8%

If you sell insurance under the above contract, you will find that the profit margin (loss margin ratio) of the case is expected to be -4.8%. .

The predicted risk amount measuring unit 130 measures the predicted risk amount using the predicted risk ratio, the guaranteed amount, and the subscription amount, which are predicted according to the experience value according to the contract condition inputted in the step S210 (S230).

At this time, in step S230, the predicted risk amount can be measured as follows.

As shown in the previous example, the risk amount (A _o ) calculated by the predetermined risk ratio (R _o ) was found to vary by the fluctuation of the risk ratio. Here, the predicted risk amount A _e can be measured by predicting the risk rate to be changed in advance and calculating the predicted risk ratio R _e , which can be expressed as shown in Table 4 below.

The predicted profit / loss amount calculating unit 140 calculates a predicted profit / loss amount from the difference between the predicted risk amount measured in step S220 and the predicted risk amount measured in step S230 (S240).

More specifically, based on income amount (M _s) the amount of the individual predicted income of the insurance contract, as shown in Table 5 below as a measure of the output shown is going to risk the amount of (A _o) and predicted risk amount (A _e) In the course of the (M _e ) Can be calculated.

That is, the predicted profit / loss amount (M _e ) of the individual case = the planned risk amount (A _o ) - the predicted risk amount (A _e ), and can be calculated using the following equation (3).

Since Equation 3 can be summarized as Equation (4), the expected risk ratio (R _o ) - the predicted risk ratio (R _e ) = the fluctuation risk ratio (R)

However, as mentioned above, it is the direct calculation of the predicted hazard rate (R _e ) that minimizes the error.

The predicted loss-and-loss ratio calculating unit 150 calculates a predicted loss / loss ratio from the estimated loss amount calculated in step S240 and the estimated risk amount measured in step S220 (S250).

In this case, since the predicted profit / loss ratio C _e is a variation with respect to the predicted risk amount A _o of the predicted profit and loss amount M _e , it can be expressed by the following equation (5).

The predicted score calculating unit 160 determines whether the predicted profit / loss ratio calculated in operation S250 is equal to a predetermined target profit / loss ratio (S260).

If it is determined in step S260 that the predicted profit / loss ratio calculated in step S250 is not equal to the predetermined target profit / loss ratio, the predicted score calculating unit 160 adjusts the subscription scale to calculate a predicted score to be achieved in the target profit / loss ratio The subscription example table creation unit 170 creates a subscription example table illustrating the subscription availability according to the variation of the guarantee scale of the contract condition inputted in step S210 by referring to the calculated prediction score (S270).

The contract condition redesigning unit 180 redesigns the guarantee content for the contract condition with reference to the subscription example table, and repeats the process to step S210 so as to be sequentially re-executed (S280).

Specifically, the target loss rate (C _T), as the individual guarantee information _(i) is, so to estimate the reference scale reference loss scale (M _s) when the (T _i = 1) to adjust the subscription scale (T _i) Can be achieved.

Table 6 below shows a case with the above example.

Guarantee Content (i) General death Disaster death Cancer diagnosis system Scheduled Standard Risk (

) 0.54 0.282 1.767 2.589 Predicted Criteria Risk amount (

) 0.349 0.118 2.247 2.714 Predicted standard profit and loss (

) 0.191 0.164 -0.48 -0.125

In other words, general mortality occurs every time when the subscription size (T) is increased, and in the case of cancer diagnosis, loss occurs. As described above, the subscription size (T) (C _e ) is expected to be -4.8%.

By making this numerical,

[A _so -A _se ] / A _so X 100 = M _se / A _so X 100 = -0.125 / 2.589 X 100 = -4.8%.

However, it is possible to anticipate the achievement of the target loss ratio (C _T ) by adjusting the subscription size (T _i ) of each guarantee content ( _i ). For example, the target loss rate (C _T) for 15 Speaking% Up scale as shown in Table 7 below (T _i) by adjusting the target loss rate (C _T) ripening guarantee information (M _se> 0 for achievement of ) And reducing the hand warranty content (M _se <0)

Prediction gain or loss rate _{(C e) = [A o} - A e] / A o X 100 = M e / A o X 100 = 0.803 / 5.031 X 100 = be expected achieve a 15.96% target loss rate (C _T) .

Guarantee Content (i) General death Disaster death Cancer diagnosis system Subscription size (

) 5 2 One Scheduled risk (

) 2.7 0.564 1.767 5.031 Predicted Risk Amount (

) 1.745 0.236 2.247 4.228 Forecasted profit and loss (

) 0.955 0.328 -0.48 0.803

In other words, as shown in Table 7, it was confirmed that the target profit and loss could be reached through adjustment of the subscription size. However, if the target profit / loss ratio is displayed as it is, the target profit / loss ratio is changed, and the score is changed. Therefore, chaos occurs and the company's target is exposed. Is required.

For example, if you take a coefficient value k that is a base score of C _T + k = the base score, you always get the base score, and if C _T + k = 100, you always get 100 base points.

(C _e ) + k = predicted score is calculated in the form of calculating the reference score, and if the achievement is indicated by displaying the predicted score / reference score X 100 on the screen, If the score does not reach 100 points, do not design.

However, in order to facilitate the redesign, the subscription size (T _i ) of the selected guarantee content is listed, and a subscription example table indicating the achievement of the achievement according to the subscription example table is selected and selected to be redesigned.

If it is determined in step S260 that the predicted profit / loss ratio calculated in step S250 is equal to the predetermined target profit / loss ratio, the premium calculation unit 190 calculates the premium based on the redesigned contract (S290).

As described above, the system and method for risk management using the risk amount adjustment according to the embodiment of the present invention are designed to design a risk amount for the individual insurance so as to stably benefit from the insurance contract, By adjusting the conditions, it is possible to predict the level of the target as well as predict the level of the risk, which can increase the control over the management environment.

In addition, it is possible to predict future profits even when changing sales conditions or margins due to changes in the business environment, so that it is possible to achieve stable profits and increase the responsiveness to the management environment.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the scope of the invention as defined by the appended claims. will be. Accordingly, the true scope of the present invention should be determined by the following claims.

110: Contract condition input unit 120: Planned danger amount measuring unit
130: predicted danger amount measuring unit 140: estimated loss amount calculating unit
150: Forecasted profit / loss ratio calculation unit 160: Forecasted point calculation unit
170: subscription example table preparation part 180: contract condition redesigning part
190: Insurance premium calculation department

Claims

A contract condition input unit for inputting insurance contract conditions from an insurance contractor;
A planned risk amount measuring unit for measuring a predetermined risk amount using the estimated risk amount, the guarantee amount and the subscription amount used in the insurance premium calculated according to the above contract conditions;
A predicted risk amount measuring unit for measuring a predicted risk amount using the predicted risk ratio, the security magnitude and the subscription magnitude predicted by the empirical statistical data according to the contract condition;
A forecasted profit / loss amount calculating unit for calculating a predicted profit / loss amount from the predicted risk amount and the predicted risk amount;
A predicted loss / loss ratio calculating unit for calculating a predicted loss / loss ratio from the estimated loss amount and the predetermined risk amount;
A contract condition redesigning unit for determining whether the predicted profit / loss ratio is achieved at a predetermined target profit / loss ratio and redesigning the guarantee content for the contract condition according to the determination result;
A forecast score calculation unit for calculating a forecast score to be achieved in the target profit / loss ratio by adjusting the subscription scale when the predicted profit / loss ratio is not achieved at the predetermined target profit / loss ratio, according to the determination result; And
And a subscription example table creation unit for creating a subscription example table illustrating the subscription availability based on the change in the guarantee content of the contract condition with reference to the prediction score,
Wherein the estimated loss-
A quarterly profit management system using the risk amount adjustment to calculate the forecasted profit / loss ratio using the following equation:

The method according to claim 1,
The predicted-amount-of-loss-
And calculating the risk amount by subtracting the predicted risk amount from the predetermined risk amount.

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A management method carried out by an enterprise profit management apparatus using risk amount adjustment,
Receiving insurance contract terms from an insurance contractor;
Measuring a forecasted risk amount and a predicted risk amount, respectively, by using a predicted risk rate, a guarantee amount, and a subscription amount predicted based on the expected risk rate used in the insurance premium calculated according to the contract conditions;
Calculating a predicted profit / loss amount from the predicted risk amount and the predicted risk amount;
Calculating a predicted loss / loss ratio from the estimated loss amount and the expected risk amount;
Determining whether the predicted profit / loss ratio is achieved at a predetermined target profit / loss ratio;
Redesigning the guarantee content for the contract condition according to the determination result;
Calculating a predicted score to be achieved in the target profit / loss ratio by adjusting the subscription scale if the predicted profit / loss ratio is not achieved at the predetermined target profit / loss ratio, according to the determination result; And
And creating a subscription example table illustrating the subscription availability based on the change in the guarantee content of the contract condition by referring to the prediction score,
The step of calculating the predicted loss-
A method of managing profit margins by calculating the forecasted profit / loss ratio using the following equation.

The method according to claim 6,
The step of calculating the predicted profit /
Wherein the predicted risk amount is calculated by subtracting the predicted risk amount from the predicted risk amount.

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