财产险业务分析工具。分析财险市场、车险、非车险、承保利润、综合成本率等。使用AkShare数据、保险公司财报。适用于财险业务研究、承保分析。
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Skills Directorynpx -y skills add aifinlab/FinClaw --skill insurance-pc-analyzer --agent claude-codeInstalls into .claude/skills of the current project.
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---
name: insurance-pc-analyzer
description: 财产险业务分析工具。分析财险市场、车险、非车险、承保利润、综合成本率等。使用AkShare数据、保险公司财报。适用于财险业务研究、承保分析。
---
# 财产险业务分析器
## 功能
- 财险市场规模分析
- 车险业务分析
- 非车险业务分析
- 承保利润分析
- 综合成本率监控
## 核心指标
| 指标 | 说明 |
|------|------|
| 综合成本率 | 赔付率+费用率，<100%盈利 |
| 赔付率 | 赔付支出/保费收入 |
| 费用率 | 费用支出/保费收入 |
| 承保利润 | 保费收入-赔付-费用 |
| 车险占比 | 车险保费/总保费 |
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