U.S. P&C Insurance Ratings of Business Quality & Operational Efficiency by Hoeg & Company

What sets Hoeg & Company’s Ratings apart from other measures of business efficiency and quality is that they take into account the nature of each financial institution’s underlying book of business in determining operational efficiency. Data from financial statements issued by banks (call reports) and insurers (statutory financial statements) to regulators (FDIC & State Departments of Insurance) is used in our analysis to assure integrity and consistency. The data is analyzed to determine how well the resources of each entity are used to acquire customers, provide service and manage operations. In addition, the analysis indicates those business portfolios that best facilitate maximizing profitability and contribute to financial strength. The analysis is based on the “efficient frontier” concept used in investment portfolio theory to identify best performance in investment management. Companies are compared to the best performance level in their industry segment for how effectively and efficiently they manage their core business. Hoeg & Company transforms complex financial data into focused, accurate and actionable business information about financial institutions. Clients get a precise set of measures of how efficiently and effectively each firm in a selected industry segment operates.

Hoeg & Company评级与其他业务效率及质量衡量指标的区别在于，其在确定运营效率时会考虑各金融机构底层业务账簿的性质。我们的分析采用银行（呼叫报告）和保险公司（法定财务报表）向监管机构（联邦存款保险公司及州保险部门）提交的财务报表数据，以确保完整性与一致性。通过分析这些数据，可评估各实体资源在获取客户、提供服务及运营管理方面的利用效率。此外，该分析还能识别出最有助于实现利润最大化并增强财务实力的业务组合。此分析基于投资组合理论中用于识别投资管理最优表现的“有效前沿”（efficient frontier）概念。各公司会与所在行业细分领域的最优表现水平进行对比，以评估其核心业务管理的有效性与效率。Hoeg & Company将复杂的金融数据转化为针对金融机构的聚焦、准确且可操作的商业信息。客户可获得一套精准的指标，用于衡量选定行业细分领域内各公司的运营效率与有效性。