本文關(guān)鍵詞： 再保險(xiǎn) 最優(yōu)再保險(xiǎn)方案設(shè)計(jì) 風(fēng)險(xiǎn)類別 內(nèi)部再保險(xiǎn)　出處：《對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：再保險(xiǎn)作為“保險(xiǎn)的保險(xiǎn)”,具有分散風(fēng)險(xiǎn)、擴(kuò)大保險(xiǎn)公司承保能力,輔助公司業(yè)務(wù)創(chuàng)新拓展、風(fēng)險(xiǎn)管控的重要職能和作用,對(duì)于保險(xiǎn)公司而言是十分重要的一環(huán)。然而,在當(dāng)前的中國再保險(xiǎn)市場(chǎng)中,卻存在著對(duì)于再保險(xiǎn)的認(rèn)知存在誤區(qū)、分保方式單一經(jīng)營形式粗放、再保險(xiǎn)充足度有待提升、保險(xiǎn)公司不同層級(jí)之間的再保險(xiǎn)需求相互矛盾等問題,使得保險(xiǎn)公司的再保險(xiǎn)方案設(shè)計(jì)無法達(dá)到最優(yōu),阻礙著再保險(xiǎn)職能的發(fā)揮,對(duì)保險(xiǎn)公司的經(jīng)營發(fā)展具有不利影響。本文從財(cái)產(chǎn)保險(xiǎn)公司的角度出發(fā),研究最優(yōu)再保險(xiǎn)方案設(shè)計(jì)的相關(guān)理論,剖析中國再保險(xiǎn)的現(xiàn)狀及存在問題,并在此基礎(chǔ)上提出影響財(cái)產(chǎn)保險(xiǎn)公司最優(yōu)再保險(xiǎn)方案設(shè)計(jì)的因素和最優(yōu)再保險(xiǎn)方案設(shè)計(jì)應(yīng)滿足的要求,理清最優(yōu)再保險(xiǎn)方案設(shè)計(jì)的具體思路。同時(shí),為保證最優(yōu)再保險(xiǎn)方案設(shè)計(jì)實(shí)施的可行性,本文以風(fēng)險(xiǎn)種類為第一維度,從不同風(fēng)險(xiǎn)的特點(diǎn)出發(fā),按照文中提出的設(shè)計(jì)思路,對(duì)于每一類風(fēng)險(xiǎn)種類的最優(yōu)再保險(xiǎn)方案設(shè)計(jì)進(jìn)行研究,從而形成基于財(cái)產(chǎn)保險(xiǎn)公司的整體最優(yōu)再保險(xiǎn)方案設(shè)計(jì)框架。整體方案設(shè)計(jì)研究本著貼合財(cái)產(chǎn)保險(xiǎn)公司實(shí)際情況的原則,相應(yīng)的實(shí)施條件易于實(shí)現(xiàn),具有較高的可行性.本文的創(chuàng)新點(diǎn)在于提出了最優(yōu)再保險(xiǎn)方案設(shè)計(jì)的新思路——財(cái)產(chǎn)保險(xiǎn)公司內(nèi)部再保險(xiǎn),解決了傳統(tǒng)再保險(xiǎn)方案設(shè)計(jì)中無法解決的保險(xiǎn)公司不同層級(jí)之間再保險(xiǎn)需求存在矛盾的問題,是最優(yōu)再保險(xiǎn)方案設(shè)計(jì)的重要補(bǔ)充。
[Abstract]:As "insurance of insurance", reinsurance is a very important link for insurance companies to spread risk, expand the underwriting capacity of insurance companies, assist companies to innovate and expand their business, and play an important role in risk control. In the current Chinese reinsurance market, however, there are some misunderstandings about reinsurance. The reinsurance mode is extensive and the reinsurance adequacy needs to be improved. The contradiction of reinsurance demand among different levels of insurance companies makes the design of reinsurance schemes of insurance companies unable to reach the optimum, which hinders the exertion of reinsurance function. This paper, from the angle of property insurance company, studies the relevant theory of optimal reinsurance scheme design, analyzes the present situation and existing problems of Chinese reinsurance. On this basis, the factors affecting the optimal reinsurance scheme design of the property insurance company and the requirements of the optimal reinsurance scheme design are put forward, and the concrete ideas of the optimal reinsurance scheme design are clarified. In order to ensure the feasibility of the design and implementation of the optimal reinsurance scheme, this paper takes the type of risk as the first dimension, proceeds from the characteristics of different risks, and according to the design ideas proposed in this paper, The optimal reinsurance scheme design for each type of risk is studied, thus forming the overall optimal reinsurance scheme design framework based on the property insurance company. The overall scheme design study is based on the principle of matching the actual situation of the property insurance company. The corresponding implementation conditions are easy to realize and have high feasibility. The innovation of this paper is to put forward a new idea of optimal reinsurance scheme design-property insurance company internal reinsurance, It solves the contradiction between different levels of reinsurance demand which can not be solved in the traditional reinsurance scheme design. It is an important supplement to the optimal reinsurance scheme design.
【學(xué)位授予單位】：對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F842.69

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