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ZJUS-A
Journal of Zhejiang University-SCIENCE A (Applied Physics & Engineering)  2002, Vol. 3 Issue (2): 140-147    DOI: 10.1631/jzus.2002.0140
Computer Technology     
Estimation of financial loss ratio for E-insurance: a quantitative model
ZHONG Yuan-sheng, CHEN De-ren, SHI Min-hua
Department of Computer Science & Technology, Zhejiang University, Hangzhou 310027, China; School of Information Management, Jiangxi University of Finance & Economics, Nanchang 330013, China
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Abstract  In view of the risk of E-commerce and the response of the insurance industry to it, this paper is aimed at one important point of insurance, that is, estimation of financial loss ratio, which is one of the most difficult problems facing the E-insurance industry. This paper proposes a quantitative analyzing model for estimating E-insurance financial loss ratio. The model is based on gross income per enterprise and CSI/FBI computer crime and security survey. The analysis results presented are reasonable and valuable for both insurer and the insured and thus can be accepted by both of them. What we must point out is that according to our assumption, the financial loss ratio varied very little, 0.233% in 1999 and 0.236% in 2000 although there was much variation in the main data of the CSI/FBI survey.

Key words： Electronic commerce      Security      Financial loss ratio      Insurance     
Received: 18 April 2001     
CLC:  TP309  
  F840  
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CHEN De-ren
ZHONG Yuan-sheng
SHI Min-hua
Cite this article:

ZHONG Yuan-sheng, CHEN De-ren, SHI Min-hua. Estimation of financial loss ratio for E-insurance: a quantitative model. Journal of Zhejiang University-SCIENCE A (Applied Physics & Engineering), 2002, 3(2): 140-147.

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http://www.zjujournals.com/xueshu/zjus-a/10.1631/jzus.2002.0140     OR     http://www.zjujournals.com/xueshu/zjus-a/Y2002/V3/I2/140

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