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Theoretical and Applied Economics
No. 4 / 2007 (509)

Using the Statistical Indicators for the General Insurances Activity

Ion Partachi
Academia de Studii Economice Chisinau
Constantin Anghelache
Academia de Studii Economice Bucuresti

Abstract. The statistics of the general insurances activity is largely used in the actuarial calculations. The actuarial analysis are achieved exclusively on the basis of primary and derived indicators, which are drawn up by various statistical methods. The statistical indicators which are used in this respect are obtained on the basis of the factors and conditions allowing the compensation cases to occur.

The actuarial analysis is performed over the time as well, by using the chronological which allow the decomposition of the phenomenon being studied by its factors of influence.

In this article, after briefly presenting a number of point of view regarding the utilization of the statistical indicators in the actuarial analysis, we have analyzed, successively, a series of issues, such as: the statistical indicators as regards the general insurances fund forming, expressed in physical and value units, or as absolute, relative and average volumes; the statistical indicators of the utilization of the general insurances funds (with the same diversified form of expression) and the statistical indicators of the outcomes of the general insurances activity.

A particular accent went to the underlying of certain methodological aspects regarding the calculation of the above mentioned indicators, emphasizing certain particular characteristics concerning their utilization in the frame of the actuarial analysis.

The article is stressing the clarification of the fact that these indicators are used in the actuarial analysis as a real system. The respective proportions are enumerated, by underlying the concrete possibilities of computation, which secure the possibility of performing the necessary analysis involved by a decisional process.

Keywords: actuarial; general insurances; statistical indicators; insurance fund; damages.

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