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AMLIN-exploring organizations Report写作案例

学生自述:

作为UkTOP20的院校,对report的要求也是比较高的。由于平时实在太忙,很多课题无法完成,只能找代写机构了。在论坛看到几家代写的机构,综合对比还是选择了Bonrun,综合来货,Bonrun的性价比是比较高的,Report的质量也绝对是极好的!哈哈~~~这里就不一一夸赞了!我相信大家都有一颗雪亮的眼睛,自己做好比较一定会选择适合自己的!

以下是文章,大家可以随意看看!个人觉得是挺好的,至少让我得了A

Executive summary

This report makes critical analysis on Amlin organization exploring. It is mainly focused on the evaluation of its organization and gets a conclusion of whether it will successfully achieve its strategic goals. Previously, it gives a brief introduction to the background information of Amlin. It emphasizes that the company is a leading company in insurance industry. It has extraordinary performance and runs business in the Lloyd’s, UK, Continental Europe and Bermudian markets.And then, it applies four classic models to evaluate the company’s organization-Rich Picture, STEEPLE analysis, SWOT analysis, and Balanced Scorecard. For each model, it provides literature reviews in the characteristics. Then carefully apply them to evaluate the company to find its advantages, opportunities and potential improvements.

3.2 STEEPLE Analysis of Amlin

Amlin runs business in many countries and regions all over the world. Most of its chief offices are located in important financial centers, including London, UK, France, Bermuda, and Singapore etc.

Table 1 STEEPLE analysis of Amlin

 

Aspects

 

Issue/Risk

 

Strategic reaction

 

 

 

 

Social

 

 

Insurance industry is strongly related to macroeconomic status and is regulated by regional laws. Any unexpected change of social policy may lead to losses of the company.

Amlin diversifies its business in many countries and regions. The diversity of its business across regions, classes and platforms enables it to allocate capacity where can earn more profits. Also Amlin keeps close contact with the local governments and has talented analyzing team to keep an eye on every single fluctuation in the markets. (Pidd ,2003)

 

 

 

 

 

Technology

 

 

 

 

Technology in insurance industry refers to the management of the company’s investment portfolio, as well as its ability to maintain diversified business and avoid risks. (Mejia,2008)

To continue to seek higher return on its assets, Amlin focus on maintaining a balance between the catastrophe and non-catastrophe exposures within its portfolio. The asset portfolio has a broad spread by geography and class, which can effectively diversify risk. This kind of diversity of the business has contributed to its financial and operating performance in recent years. It also strongly sustains its rapid growth. (Campbell et al.,1996)

 

 

 

 

 

 

Economic

 

 

 

 

Insurance industry is closely related to the economic status. Either the financial market, or the real economy gets worse, will affect an insurance company’s profit.

As always, Amlin endeavors to build its business in flexible and opportunistic way. This type of running business enables the company to shrink or grow individual lines according to the market conditions. (Arthur and

Sheffrin ,2003) Meanwhile, Amlin establishes excellent and long-standing relationships with key brokers. All of these efforts above make Amlin maintain its market position as an advantageous international insurer and reinsurer.

 

 

 

 

 

 

 

 

Environment

 

 

 

 

 

Good environmental conditions can bring stable profits to an insurance company. Any catastrophe may shake the industry and incur losses.

As the level of natural catastrophe activity will influence its financial performance, it is important to spread its portfolio to different classes and run business in different regions. When business in a certain area get worse due to the increasing claims, the company can react quickly and find attractive opportunities in other regions. (Markowitz, H.M.,1959).The big earthquake happened in Chile in 2010 is a good example. Although the catastrophe caused an immediate loss in the company’s assets, the final return of its assets wasn’t affected a lot.

Political

Political factors may not affect the company’s business directly. But big political events may also lead to profits fluctuations.

A specialist team with expertise and watch closely on the political conditions is necessary. Because insurance industry is positively related with macroeconomics, and political changes are important composition of the whole economy, it is required to make quick reactions to political events, in order to maintain stable profits.

 

 

 

 

Legal

Insurance industry is regulated by international insurance laws. Meanwhile, a multinational company, like Amlin, is also subject to local laws in different regions.

It is necessary for the working team to cultivate good sense of different laws. Once the regulations of insurance business change, making quick reactions and adjust the operating strategies accordingly, can help the company to avoid unnecessary losses. For a brighter side, legal changes may also bring opportunities for making profits in brand new fields.

 

 

 

Ethical

The nature of insurance business makes it closely related with ethical issues. Some insured companies may not conduct illegal actions, but not ethical.

As an insurance company, Amlin should make efforts to establish a good social image. It is necessary to keep alert and identify the risk factors involved in a certain business that may bring troubles to the company.

4.0 SWOT Analysis
4.1 Literature review

SWOT is a prevailing method used to analyze whether the internal and external factors are favorable or unfavorable to realize a company’s goal. This analysis method is an incorporated strategic model of four aspects: strengths, weaknesses, opportunities, and threats. By performing SWOT analysis, management can better determine whether a goal of the company is attainable or not. It is also quite helpful to identify the attractive areas for the company to develop growth. (Hill and Westbrook ,1997)

4.2 SWOT analysis of Amlin

Table 2 SWOT analysis of Amlin

 

 

 

Strengths

 

 

Weaknesses

 

 

 

 

 

 

 

 

Opportunities

Ø  The diversity of its portfolio-seek attractive profitable opportunities in different areas.

Ø  Well positioned with a profitable core portfolio supported by strong client and broker relationships

-allow the company to seek opportunities on a steady base

Ø  Benefits from previous investments in teams and acquisitions-sufficient capital support to further development.

Ø  Too many branches in different regions, countries and continents makes it difficult to manage the whole company efficiently- applying advanced management technology is the key focus. (Lawrence ,2011)

 

 

 

Threats

Ø  Over-capacity makes the competition intense in many market segments

-well diversified portfolio helps to withstand bad impacts.

Ø  Market conditions getting worse and is hard to predict-profitable core portfolio provides stable profits to the company.

Ø  Market unstable factors make it harder to realize higher return of the whole asset portfolio- branches spread in many regions, countries and continents make it difficult to withstand shocks of market downturns.

 

Strengths:

First, Amlin benefits from the diversity of its portfolio, which enables the company to get access to a varied range of market conditions. For example, energy physical damage rates and energy liability rates have increased by 20% and 50% respectively since the Deepwater Horizon oil spill. While drilling activity in the Gulf of Mexico is presently low due to restrictions on permits. The event prompted the reassessment of marine and energy exposures, and is likely to result in demand for increased coverage which may exceed current market capacity. Undoubtedly, this can create an attractive opportunity for Amlin to expand its underwriting in this sector.

Second, Amlin is well positioned with a profitable core portfolio supported by strong client and broker relationships. This kind of well position is reflected in the company’s high retention ratios. The company’s underwriting approach is disciplined and focuses on profit instead of volume. The company sets up a cross-cycle target of an average return on equity, and all of its businesses are trying to ensure a return rate of 15%.

Third, Amlin benefits from previous investments in teams and acquisitions. These investments have broadened the client base, distribution and market access of the business. Amlin also remains in a strong capital position with capital and available resources of £695.9million.

Weakness:

Amlin has too many branches in different regions, countries and continents make it difficult to manage the whole company efficiently. Diversity becomes a disadvantage here. Also, market unstable factors make it harder to realize higher return of the whole asset portfolio. Thus, to minimize the possible losses, applying advanced management technology should be the company’s key focus.

Opportunities:

As Amlin runs business in different countries and regions, the opportunities analysis should be focused in different countries and regions.

The investment in fleet motor accounts for an important part of the company’s portfolio. In the UK, an improving rating trend for fleet motor appeared at the end of 2010, and in January, there was an overall rate increase of 7.4% for fleet motor. It is reasonable to expect improvements in pricing for UK commercial lines. As market conditions improve, Amlin can take advantages of growth opportunities in the firmer motor fleet market and generates further substantial growth.

Amlin created Amlin AG through moving Amlin Bermuda to Switzerland. The new office is intended to provide the company with access to European reinsurance business which typically does not flow into the market places in London and Bermuda. Meanwhile, the location of the new office is Zurich, which is a major financial center and home of many global financial and insurance companies. This place provides great opportunities for the company to develop further growth and expansion of its reinsurance activities.

Threats:

The impacts of the depressed global economy on premium volume, the declining investment yields, as well as the surplus capacity, are creating a challenging environment. Since Amlin is striving to pursue profitable growth, this challenging environment poses some threats to the company’s further development.

Over-capacity is still a driving factor to make the competition more intense in many segments of the market. In the US, the premiums to surplus ratios in property and casualty market are at the lowest level in the past 30 years. In many market sectors, particularly reinsurance, pricing is under the pressure of downward. Although the market had losses in 2010, the rates are still being reduced. Rate reductions in January in Amlin London and Amlin Bermuda are 3.2% and 4.4% respectively. Meanwhile, the trading conditions also remain difficult in Continental Europe, which needs the company to consider strategies to withstand possible bad impacts.

A further challenge is likely to be the substantially lower investment returns expected in 2011. The market conditions become more difficult to be predicted, and it gets even harder for Amlin to optimize its returns.

In Bermuda, the current pricing and new business are under pressures of incurring expenses before the development of earned premium. Thus, the company gives up on expecting it to make a material contribution in the short term, and is trying to find its longer term prospects.

 

5.0 Balanced Scorecard
5.1 Literature review

Balanced Scorecard (BSC) is used by managers as a strategic performance tool to keep track of the execution of activities by the staff within their control and to monitor the outcomes arising from these actions. As a model of performance, the BSC is effective in that “it articulates the links between leading inputs (human and physical), processes, and lagging outcomes and focuses on the importance of managing these components to achieve the organization’s strategic priorities.”(Abernethy et al., 2005)

5.2 Balanced Scorecard analysis of Amlin

The strategic focus released in the Amlin 2010 annual report includes:

·Continued optimization of the core business

·Further alignment of the business and operations with SolvencyIIrequirements.

·Completion of the integration of ACI, and continued performance improvement of its marine business.

The Core business has brought substantial and stable profits to the company. Continued optimization of core business will provide best support for the company to seek attractive opportunities in other lines.

SolvencyII is an EU directive that codifies and harmonizes the EU insurance regulation, and is scheduled to come into effect on 1 January 2013. SolvencyII should create an environment in which there are incentives and rewards for insurance firms to make use of modern risk management practices which are suitable to the nature and size of their business. (Hare , 2007) Under the implementation of SolvencyII , Amlin can better apply modern risk management practices tools into the regular businesses. Better understanding and application of SolvencyIIwill make Amlin earn more profits.

ACI is a key step in Amlin’s business integration plans. By completing the integration of ACI, the company can further develops the Amlin brand and maximizes the return from businesses.

i) First class client service

Amlin has a good tradition of thorough understanding clients’ needs and the market trends. This outstanding expertise helps Amlin develop its own brand and maximize the return from active marketing. What’s more, it also provides plenty of resources to support the company’s expansion. (Gollier ,2003)

ii) Profit focused underwriting excellence and effective risk management

Amlin’s underwriting business is organised around the goal of making profits. To make the profits remain stable, the company makes great efforts to develop its capacity to monitor underwriting quality. The implementation of SolvencyII is nearing, and the company keeps moving towards its new operating model. The implementation of a consistent risk management framework and risk assessment processes enables the company to optimize returns for the risks it undertakes.

iii) Core business expansion

Amlin endeavors to seek every attractive opportunity and continues to make expansions. Amlin Re Europe will be completed soon, which is an important step of its expansion. The company has extraordinary ability to identify and evaluate acquisition opportunities in target markets, which has been proven by its successes in several regions and countries. (Christos and Sugden, 2000)

iv) Superior culture for employees

Although Amlin is a big-size company and is still expanding, successful employment practices makes the whole company embed the Amlin Values. For the business, employee’s performance is related to remuneration, and the company makes great efforts to better manage its global talent. All of these above make Amlin the “place to work”.

report代写案例 Financial(part)


学生自述:

谁说在国外轻松我跟谁急,小女子今年21,来到米国被坑爹的theme、Essay、report各种折磨,无奈选择代写渡劫。经过仔细选择,赶脚bonrun的代写应该不错,我喜欢逛淘宝,国外也如此!没想到Bonrun竟然支持担保交易!之前还一直在担心被骗或者啥的,看到有担保果断选择。果然,Bonrun没有让我失望!谢谢~~~顺利过关!


作业简介:

1.0 The history of HSBC

HSBC, the Hongkong and Shanghai Banking Corporation limited, which was founded in 1865 to provide the financing service for the trade between china, Europe and India. Its name comes from its service scope. After its incorporation, it started to establish the branches overseas, the focus if the south-east Asia, especially in the city of Hong Kong and Shanghai. Leaded by the excellent CEO Thomas Jackson, the bank had become the most influential financial institution in the Asia region.

In the 20th century, HSBC faced great changes and challenges. At the early years, it broadened its scope of business in the Asia, which is to issue loans to national governments for their infrastructure projects and modernization, especially in China. Owing to the First World, its business had been disrupted for a long time. However with the prosperity of economy, it rebuilds its head office and some major branches to demonstrate its confidence of growing up again.

The 1930s have witnessed the great recession of economy and the turmoil in the politic. The followed by the Second World War, the staff of HKBC become the prisoners. Thanks to the great leadership and abundant reserves accumulated in peaceful time. Meanwhile, through its financial power, HSBC plays a great role in reconstructing the economy of Hong Kong, which have nowadays become the financial center in the world. But the most offices in mainland had been closed for its over concern its business in shanghai and Hong Kong.

At the end of the 20th, HSBC have adopted the strategy of incorporation acquisition and alliances with some merchant bank. These acquisition steps make the HSBC change from a regional financial bank into an international leading bank, which operate business on Asia、UK and USA. In the 1980s, it purchased Marine midland bank, which is a USA bank. Failing to acquire the Royal Bank of Scotland, it embarked on incorporation with Midland Bank in 1987. All these provide HSBC a lot of holding companies, which lay a solid foundation for the list of HSBC in London Stock exchange in 1991. With the foundation of new holding company, London have become the headquarter of HSBC.

In the 21th, HSBC reinforced its business in its birthplace of China, through a series of strategic cooperation. All in all, it keeps its leading status in financial bank for its ability to deal with an uncertain future.

Source: http://www.hsbc.com/hsbc-com/about-hsbc/history/hsbc-s-history.aspx


Economies写作案例


学生自述:

本屌很荣幸能到米国YOP50院校学习金融,算是了结老爸的心愿吧!平时课程太多,作业根本做不完的节奏!另外本屌也喜欢玩,所以很多时候Essay deadline 到了,只有找代写才能搞定。貌似在学校20%以上的学生都有找代写的经历吧!经人介绍了解到了Bonrun的代写,哈哈,确实给力,轻松得到了A!下次继续找你们


作业简介:

Is Eurozone an optimal currency area? Provide a critical assessment of this issue using key theoretical and empirical indicators including your analysis of the extent and the pattern of intra-industry trade within the Eurozone trading area in part (b), and an analysis of the extent of labour mobility in the Euro-zone trading area.


Optimal currency area refers to a geographical region where it could amplify economic efficiency to share a single currency in the entire region (Steven and Michael, 2007). There is no doubt that Eurozone is not an optimal currency whereas the evidence suggesting United States as an optimum currency area. Although the creation of the euro is often cited and the optimal currency theory has been most frequently used in recent years to euro, many have argued that the EU does not actually appear to satisfy all of the criteria for being an optimal currency area.


The extent of intra-regional trade is the first criteria of optimal currency area to decide if it can be optimal currency area. If the currency union’s economy is closely linked to its own, a country is willing to join a currency union to get more profits. The overall degree of economic integration can be evaluated by both of the integration of product markets, which is the extent of trade between the joining country and the currency area, and factor markets, which the labor and capital mobility is easy to migrate between joining country and the currency area. Almost 10 to 20 percent, which is larger than the number for trade between EU and United States of EU members output has been exported to other EU members. Also, the extent of intra-European trade is not large enough to serve as an optimal currency area, and there are still some restrictions, which limited the development of trade since 1992 reforms removed. The following figure points out intra-EU trade as a percentage of EU GDP. As you can see from the figure, intra-EU trade decreases sharply in the year after removing reforms, and later is just around the prior peak. It is not very clearly that if the measures in 1992 have pushed Europe dramatically closer to be an optimal currency area. Meanwhile, the volume of intra-EU commerce has not been high enough to form the European Monetary Union in 1999.


Labor mobility is another key criteria for optimal currency area. Since the formation of the EU’s Single Market with freedom of movement of services, capital, goods and labor in 1993, the border control probably cannot be the reason of the barriers to labor mobility within Europe. Unlike United States, labor is not moving freely. Labor movement is discouraged by the differences in languages, cultures and social security systems. There still some limitation of labor mobility even in European countries, which will partly due to governmental restriction. There is a risk of high employment rates of product market as the existence of limited labor mobility. It is difficult to balance economic shocks through labor migration within the European Union and seeking jobs from a region, which is far from their own country, is harder for unemployed workers.


三本院校也能上米国TOP100?

姓名:L同学

个人背景:四川普通三本院校

毕业时间:2012年6月

申请院校:UA

挑选服务:留学文书全套、选校服务

硬件:GPA3.1.  GMAT:690. 托福:90+

申请经验简介:

作为四川的普通三本院校屌丝一枚,个人是没有认识优势可言的。我也是比较悲催的一类人群,12年毕业以后再一家小公司上班,学的工商管理赶脚根本没人需要,你没背景的普通学生能教你管理什么呢?于是便萌生了去米国留学的念头。在学校的时候还不错,GPA平时不怎么听课也混到了3.0. 托福后来刷到了90+,也许和自己运气有关吧,哈哈~

标准学渣一枚是如何申请到UA的?我想说:非常感谢博远留学。刚开始准备留学的时候,自己是一边工作一边diy申请的,老爸老妈还是比较支持。但是自己精力有限,在咨询几家中介后赶脚巨坑!开口就是几万到到10多万不等!吓死偶了。然看到有人说可以diy,在论坛里面打听了良久之后也开始尝试自己diy申请了!

在没背景,没成绩,没经验的条件下,我觉得能申请一个一般的学校,随便混一个文凭就差不多了。在选校的时候,偶然在网上看到博远留学提供了diy留学的选校服务,加上价格非常便宜,而且评价也不错,毅然决定试一试!老师推荐了采用3+2模式。即三所保底+2所冲刺。我一看,都是公立学校,自己的条件应该不够吧!老师的耐心解答打消了我的疑虑,既然已经申请了,为什么不试一试呢?

之后的留学文书写作是让自己伤透了脑经,自小以来写作就不好,而申请的时候却需要写那么多篇留学文书,简直就是不可能完成的。又重新找到了博远的文书老师,老师帮我进行了系统的分析,通过交流和引导,我发现自己身上居然还有那么多亮点。

总的来说,对留学文书是非常满意的,在经过大约1周的时间,老师将文书递给我,看到整个文书赶脚自己都震撼了,这还是我吗?怎么写的那么出色,但是又毫不浮夸!而且表达非常地道。凭借这几篇文书结果成功冲刺到了UA,连我的老师都觉得不可思议!

亚利桑那大学录取案例

一篇Essay成功申请Columbia University

姓名:M同学

个人背景:国内二本院校,成绩一般

申请院校:Columbia University

选择服务:Essay写作

服务简介:

作为国内一个二本院校的学生,说实话,在申请时没有报多大的希望的,只希望能申请一个一般的艺术类院校读一读就行了。个人情况GPA3.5+、GRE:1400+、托福100+,这个成绩在申请时候明显赶脚后劲不足。

来到博远时候已经是快到提交申请材料的时节了,当初自己选择diy,非常辛苦。留学文书怎么改也不满意。随便百度一下来到了博远留学文书网。当时客服挺热情的,帮我安排了文书老师,在和留学文书老师的沟通中,她建议我想申请哥大,重点应该放在留学文书上,因为成绩已经定了,也已经刷不起来了。只有文书还有希望,我拿出了自己写的留学文书给老师分析了一下,PS和Essay没有主题思想,语法表达还有一些错误。我考虑了一下,决定还是试试。老师非常仔细,帮我修改了ps,并重新写了一篇Essay,我觉得Essay写的非常地道。非常感谢。

哥伦比亚艺术学院录取案例