ปัจจัยที่มีผลกระทบต่อผลการดำเนินงานของธุรกิจประกันภัย

This study was aimed to study the general situation of business to compare the financial ratios between life insurance business and non-life insurance business and to study the factors which affected the performance of insurance business. The study results showed that the financial ratios between life insurance business and non-life insurance business were compared it was found that financial ratio of life insurance business was better than non-life insurance business for 6 ratios as follow: Net Premium Return on Assets Total Assets Turnover Policy Liability to Capital Fund Current on Premium and Debt-to-Equity Ratio. As for the study on the factors which affected the performance of insurance business it was found that the performance of life insurance business were affected by the following financial ratios: Return on Investment (0.810) and Dividend Payout (0.354). The factors which affected the performance of non-life insurance business were Policy Liability to Capital Fund (2.678) Debt-to-Equity Ratio (1.370) and Provision-to-Assets Ratio (0.755). And it could be concluded that the difference between the type and the size of business affected the performance differently.